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The American Association for Justice recently published a report called "The Ten Worst Insurance Companies in America: How They Raise Premiums, Deny Claims, and Refuse Insurance to Those Who Need It Most." The findings of this report would probably shock many people, but for years my law firm has seen first-hand how insurance companies try to take advantage of people during their most difficult times.

There are two common themes that emerge in this report. The first is that insurance companies value profits over policyholders. Simply put, the companies have found that they make more money when they don't pay out claims. The second similarity among the companies is how they avoid paying these claims: deny, delay, and defend. They deny claims, no matter how valid they are. They delay the claims process, hoping that claimants will give up. They defend themselves, doing anything to fight a lawsuit.

The information in this report is very important, because it exposes the unethical practices embraced by the insurance companies, and it can also help those dealing with insurance companies protect themselves. In my upcoming posts I will give you detailed information about the insurance companies on the association's "Ten Worst" list.