Many problems develop into expensive litigation before counsel are consulted.  That need not be the case.  The earlier qualified counsel are involved in the decisionmaking with regard to a disputed claim, the better the chances a reasonable resolution can be achieved short of the courthouse door. In addition, input from experienced counsel on anticipated changes to policy language, MGU-Carrier Administrative Agreements, treaty provisions, TPA service contracts, and the like can be invaluable in heading off potentially expensive disputes before they arise.