When you buy insurance, you are simply buying a promise.  If something happens, we promise to do or pay for that covered risk.  Some Insurance companies are making record profits by not fulfilling their promise.  Some companies employ a tactic called delay, deny and defend the claim.   The idea is to wear down the claimant and the attorney in a lengthy and expensive legal battle.  Of course, insurance companies are well funded and can wear down the claimants over time.  We are dealing with billion dollar companies.  All the while the company holds onto the money it should have paid the claimant  years before. 

    Insurance companies pay to defend lawsuits and pay their defense attorneys hourly fees, while not paying the injured person a penny.  Companies realize that all the years of negative media campaigns against trial attorneys is paying off in the Court rooms across this state and nation.  Many jurors have accepted the insurer's media campaign and are now biased against the plaintiff and their attorney.  Jurors are now awarding less money to injured people.   Defense lawyers are paid win or lose and most jurors do not know this fact.  Plaintiff attorney's only are paid if the client gets a verdict.   Companies sometime spend  more money to defend the claim than the claimant asked for in settlement.  Of course the jury knows nothing of this insurance reality.

Adjusters are trained by their employers on how to speak with you and what to say.  Adjusters work for the insurance company and are not looking out for your interests.  The adjuster's goal is to pay as little as possible on the claim as quickly as possible.   Fair and reasonable compensation for you is not their goal.    If you battle with an insurance adjuster alone, you will not fair well.