First of all, it is far from scaremongering. Even with the current safeguards there is already far too much abuse of the system.newcal wrote: ↑Jan 18th, 2018 1:39 amI think you are missing the point here completely! I am making an assertion here.
If The insurance companies are so generous and so accurate and have the best interest of their clients and consumers, then they should pass this simple test i mentioned with flying colors, yes? The scaremongering about abuse of system is in very bad taste. Why don't we all wake up one day and call all insurance companies a scam too. we don't.
Besides It is not my job to negotiate. they are the ones charged to compensate victim. The victim should not go hat in hand and ask to be made whole again.
You are forgetting that insurance company cannot restore to "whole" if they unilaterally determine market worth with appraiser films and Market Research firms all eat the bread from the hands of insurance companies and work for them. We should not think for a second that their views are impartial.
Second, you chose not to deal with your own insurance company, therefore you are not their client and they are not there to look out for your interests.
The insurers need a way to handle large number of claims efficiently, using firms and tools is one of those ways. Again you are free to disagree with those tools, and negotiate. Negotiating is part of every settlement process. If you feel that is not "your job", unfortunately, you could be leaving money on the table.