Obviously, like any type of business, controlling losses is something that every insurer does. In my own professional experience, that does not mean lowballing claims offers. It means things like making sure you don’t overpay on claims or incur unnecessary adjusting expenses. Maybe it’s different in the auto insurance industry. I’ve only ever worked commercial lines, so I can’t speak to the auto insurance lines specifically.

Also, I’ve specifically only spoken about my own professional experience, and I said that I can’t speak to anyone else’s experience. Obviously there are some insurers who have operated unethically, and some individual adjusters will be better than others. But it’s not like the whole industry is evil, and it’s generally not cost-effective to “lowball” settlement offers even if it were ethical.

Again, if you had a bad experience with a doctor, would you start telling everyone how medical professionals are incompetent, try to spend as little time with you as possible, and can’t diagnose properly? Keep in mind that people who have acceptable experiences with insurance tend to be a lot less vocal, and many, many people misinterpret a fair insurance outcome as a “rip-off” because of ignorance about what is actually owed.

But, sure, keep downvoting me for sharing my informed opinion. I’m sure your anecdotes are much better than mine having worked in the industry for nearly a decade. Nice chatting with you.