Quote:
Originally Posted by why?
Because insurance companies are evil.
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The more aggressive cost cutters actually don't mind you believing that. Such a silly value judgment is a purely emotional response. People who insert emotion into their interaction with the insurance company are easier to manipulate and on average make poorer decisions. You start out afraid of them (because "evil" is something to fear) and are at a disadvantage from the very beginning.
You get more out of the insurer by approaching the claim coldly as a business problem. Attorneys understand this. The average attorney gets better results from an insurance negotiation than the average layman, but it's not because a law degree is magic. It's because as your proxy they aren't emotionally manipulated by the claims manager the way regular claimants trying to handle their own negotiations are.