fcobarr,
If your claim is clear cut (fault, damages in excess of policy limits, etc.), and you won't be following through on a law suit unless absolutely necessary, you might be able to find an attorney to work for his/her hourly rate rather than the usual percentage. If you need to pursue a suit and the threat of one doesn't bring the insurance company around, then it should move to a percentage basis. This is what we were able to do with a substantial claim my son had as an injured passenger in a vehicle driven by a friend who was the at-fault driver. It never hurts to ask. Good Luck!