A few years ago, a lawyer's group now know as the American Association for Justice [and formerly known as "ATLA" or the Association of Trial Lawyers of America], put out a fascinating publication called the '10 Worst Insurance Companies in America'. https://www.justice.org/news/allstate-ranks-worst-insurer-consumers
Insurance companies are massive, and profitable.
It's probably a safe bet to say that most people don't really understand just how much money the major insurance companies actually make. The American Association for Justice puts that figure at 30 billion dollars, annually, for US property/casualty insurers. [citing information from the Insurance Information Institute].
The profits are the result of taking in more in premiums- and investment returns on those premiums- than is paid out in claims. The less paid out in claims, the higher the profits.
So, obviously the incentive is there to pay out as little as possible on each claim. Spread out paying as little as possible on each individual claim over the spectrum of thousands and thousand of claims, and those profits add up quickly. A seasoned Baltimore personal injury lawyer my play a vital role in assuring that your claim receives full compensation. Although everyone in this business likely has their own personal favorite, according to the American Association for Justice, the 10 worst, in descending order are: Allstate, Unum, AIG, State Farm, Conseco, WellPoint, Farmers, UnitedHealth, Torchmark, Liberty Mutual.