No matter how sympathetic they may seem, adjusters who work for insurance companies have only one goal in mind when they offer to settle your case. It is their job to settle your insurance claim with paying you the least amount of money possible. Insurance companies are businesses. The goal of insurance companies is to take your premiums/money in – not to pay claims/money out. Also, by delaying claims or otherwise creating an insurance claim dispute, insurance companies are able to hold on to money a little longer – money that is invested somewhere earning them money.