Why does the insurance adjuster say that I can resolve my case without involving an attorney?

Always be wary of an insurance adjuster telling you that you don’t need a lawyer. They are not looking out for your best interests, as they are employed by the insurance company and are seeking to save the insurance company money. As a consequence, you shouldn’t take legal advice from an insurance adjuster. It would be like the bag handler at the airport telling you that you can fly the plane.