In reality, it varies. Some insurance companies may handle claims fairly and efficiently, striving to provide prompt assistance and adequate compensation to their policyholders. However, others may employ tactics to minimize payouts or delay settlements, which can make the claims process more challenging for accident victims.
Factors including the insurance company's policies, the specific adjuster assigned to the case, and the circumstances of the accident can influence the overall experience. Additionally, differences in state regulations and insurance laws may impact how insurance companies handle claims.
It's also known that insurance company legal departments have detailed information of each law firm they may come up against in a damages lawsuit - which includes any trial history of lawyers at a given firm, the possibility that the lawyers will take the case to trial (as opposed to settling out of court which is much less expensive in many ways) and, how good the lawyers are at handling cases. For example, some lawyers are lazy and will take the first offer from the insurance company, while others will fight to recover every additional dollar.
The perception of whether auto insurance companies are difficult to work with can vary depending on individual experiences and the specific circumstances of each case.