From the moment a claim is filed, insurance companies have one singular mission: to pay you as little as possible to settle your claim.
After all, the more money an insurance company collects in policy premiums, and the less it pays out in claims, the more money the insurance company makes. Publicly traded insurance companies like Travelers, Allstate, and Progressive have a duty to post the highest possible return for their shareholders.
That means when you file your claim after a car accident, the insurance company weighs paying you the fair value of the claim versus its own financial interest. With one thumb already on the scale, the insurance company is not a neutral arbiter. It will ensure that the scales are tilted to protect its bottom line.