Panelists will discuss a brief history on claims handling prior to the rise of AOB's, public adjusters, and soliciting plaintiff attorneys. Panel will then discuss the initial consequences of the insurance market/adjusting techniques upon opportunists entering the claim recovery arena. Finally, the panel will discuss what the future holds after the insurance companies and legislature have potentially overcorrected the issue with shrinking coverage endorsements and reducing and/or eliminating recovery of attorney fees in the event of dispute.