Lawyesr and insaurance companies.
Tell the insurance company to **** off, and you'll see them in court.
Don't bother with a lawyer, that's their threat they can bankrupt you with their lawyers. Tell them "knock yourself out buddy I'm going for free".
You think the judge will award costs against you to a insurance company?
You think the judge needs a smart arse lawyer to help see the situation and make a decision? He'll most likely be annoyed as hell that some ****** is wasting his time on trivial ****. It s a car window for christ sake, a lawyer costs $500 an hour and 2000+ /day to go to court. Everyone need to do a reality check.
Answer their letters, play the game, waste time, waste their money, , go to court for free It's your right as a citizen.:D