The three steps referred to below as "S.T.R." are very effective in helping to recognize when someone
The name of the game in the insurance world is deny, delay, defend- --do anything to avoid paying claims. For companies like Allstate, there are corporate training manuals explaining how to avoid payments, portable fridges awarded to adjusters who deny the most claims, and pizza for parties to shred documents. The insurance infdustry is exempt from anti-trust laws. While the industry is regulated on a state level ( where not pre-empted by federal law) laws and regulations promoted by pro-business/anti-consumer governors (such as Mark Sanford of SC) give the industry unfettered ability "to rape and pillage" the consuming public.