Well allstates pretty big and they lost a 16 million dollar bad faith claim around two years ago. I am pretty sure with minimal effort I can find articles about what ever company you work for settling lawsuits or getting judgements against them.
I will say the following. When the person first calls the first thing done is to see if the policy is enforce or has lapsed for some reason. After this the claim is triaged and the adjuster gets it, amoung determining what happened is asking a series of questions based on the policy and facts to determine exposure and if another person is liable for claim. If not then it needs to be determined if insureds policy will cover and if there was anything done that would exclude coverage. It was not a small insurance company its serves the whole country. Coverage is always checked and the company is always trying to determine if they are not responsible for paying.
Insurance companies are businesses with shareholders. The goal of any business is to make profits. Paying claims and making as much profit as possible are in direct conflict.
You said your piece I have now said my piece . We are definitely not going to agree. I quit because I hated it you love it.
As to ontopic wife was called by her screener today. She is set for next monday. I am still waiting to hear from mine. Hopefully tomorrow. Looks like next week for me also.