Attorneys did deal with this. Courts decided against the victim. Courts have decided against the victims in much larger cases, where even more money would have been spent on attorneys. Fundamentally, there has to be a cause of action in order for insurance companies to apply any "pressure".
The attorneys you buy, and the hours and angles they’re willing to explore for a single $16k payout is very different than the attorneys your insurance company buys for 50 $50k payouts.
