The problem is with some of the tactics that insurance companies use. Here is an example:
Farmers, was in the business of
denying claims as a way to boost its bottom
line. Farmers even ran an employee incentive program,
“Quest for Gold,” that offered incentives, including $25
gift certificates and pizza parties, to adjusters who met
low payment goals. One Farmers’ executive told claims
representatives to stop paying claims, saying, “Teach
them to say, ‘Sorry, no more,’ with a toothy grin and mean it.”
Insurance companies are supposed to act in good faith with their insured and on behalf of their insured when dealing with someone their insured injures. Arbitrary denials and low offers for no reason are not good faith.
Read the report. You’ll get a feel for what personal injury attorneys deal with day in and day out. You’ll understand why Allstate, Farmers, Progressive et al get on our nerves.