Most insurance companies are beholden to stockholders, claimant’s not so much even when the insurance company is your own. Each dollar spent on claims places downward pressure on insurance stock value. In modern days property & casualty insurance companies such as Geico, Progressive, State Farm, USAA and Farmers spend millions, often a billion or more dollars on advertising each year. At the same time, many of these insurers boast about low prices. With high advertising overhead and rock bottom premium prices, something has to give—claims payment. The bottom line is that insurance companies are highly motivated to pay as little as possible on each claim unless they believe it will be held accountable. You need an attorney who will hold the insurer accountable if it does not fully compensate you.