The American Association for Justice (AAJ) has released a brand new report condemning some insurance company claim adjustment practices. Everything from "deny till you die" to arbitrary and irrational claim denials and disclaimers.  I have first-hand knowledge of these practices and when I represented the carriers, I advised to curtail them.  Did they listen?  No, because in doing so, they would have had to pay more money to do the right thing.

http://www.justice.org/InsuranceTactics.pdf