An insurance company distributes to claimants a flyer entitled ‘‘Do I Need an Attorney?’’ that apparently attempts to advise claimants about the efficacy and costs of hiring a lawyer. Is this UPL? Is it speech that should be protected under the First Amendment? For an interesting analysis, see Allstate Ins. Co. v. W. Virginia State Bar, 233 F.3d 813 (U.S.C.A. 4th Cir. 2000).