In order to help consumers before they have to file a claim,
researchers at the American Association for Justice (AAJ)
did a thorough investigation to determine the 10 worst insurance
companies in America.  AAJ studied court documents, SEC
and FBI records, state insurance department investigations and
complaints,  news accounts from across the country, and the
testimony and depositions of former insurance agents and adjusters.

To no surprise to anyone litigating cases over the past 10 years,
 Allstate was rated the Worst Insurance Company in America by a longshot.

Allstate’s organized and settled plan to put profits over policyholders
 gave Allstate the title.  According to CEO Thomas Wilson,
Allstate’s mission is clear: “our obligation is to earn a return for
our shareholders.” The  “good hands” people actually teaches its
claims agents to employ a “boxing gloves” strategy against its own
 policyholders.A former Allstate adjuster Jo Ann Katzman said,
“We were told to lie by our supervisors—it’s tough to look at
 people and know you’re lying.”

Allstate's plan for profit:

a. Get the Premiums:

   1. Hire your hometown neighbor that you know and trust to sell
       insurance to you. I personally know and like our local agents 
       and they are good people doing nothing wrong.  My wife has relatives
       in another state that sells Allstate insurance.

    2. Use a well liked and soft spoken actor to encourage you to
        buy insurance from them because they are "the good hands people".

b. Delay and Deny claims

    1. Instead of paying small claims, try to find anything to deny or delay
        the claim. Wear down claimants. See  Anderson Cooper's CNN special
        report located here
 and part 2  here..

    2. Don't use the same local agents who know you, rather use teams
       of adjusters, most of whom you don't know,
        to deny and delay your claim to wear you down while they 
        hold your money.

    3. Drag out small claims by refusing to settle to make it unprofitable
        for attorneys to represent the victims. Once attorneys are out the way,
        Allstate can bully those making claims.

c.  Hold down Jury awards once case gets to court 

     1. Participate in Tort Reform campaign by telling potential jurors
         through ads that fraud, frivolous suits and high verdicts are causing
         premiums to rise. 

      2.  Just in case potential jurors research for themselves and determine
           that the tort reform story is a lie, Allstate supports big business
           politicians who will pass laws to make it harder to get fair
           verdicts and overrule you and your neighbors when you determine what is fair..

No wonder they come in at number 1 as the worst Insurance company in America. 
The entire list is listed below.

The Ten Worst
Insurance Companies
1. Allstate
2. Unum
3. AIG
4. State Farm
5. Conseco
6. WellPoint
7. Farmers
8. UnitedHealth
9. Torchmark
10. Liberty Mutual

To see the full report on each of these insurance companies, click here.

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