I don't get why some insurance companies act the way they do. Yesterday I met a new client on a relatively small car accident case. The defendant had ignored a stop sign and pulled in front of my client, who was traveling 50 miles per hour. His car was totaled, his air bag deployed (good thing or he might have been killed) and he suffered injuries.
The defendant was given a ticket. His medical bills aren't that much...probably $2,100 or so and the initial ER bill was around $1,300. He tried to work the claim out himself, based on what I teach in Five Deadly Sins That Can Wreck Your Virginia Accident Case. The insurance company tried to rip him off, offering $700!
Now, here was a case that clearly could and should have been worked out without lawyer involvement, yet, because this adjuster got greedy (my client is a legal immigrant who speaks with a heavy accent) there is now attorney involvement and the insurance company will end up paying more than they would have had they dealt with the claimant honestly in the first place. And then they'll whine about the high cost of claims.
I see this stuff every day in my practice. Good, honest people trying to work out small claims themselves meeting greedy insurance adjusters who think its their own money they are protecting. Not all insurance adjuster, mind you, but enough of them to keep me very busy. Five Deadly Sins is the Ultimate Guide to Personal Injury Cases in Virginia. It's free to Virginia residents.