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Insurance companies spend millions of dollars creating characters, spokespeople, and mascots to gain the trust of consumers. Taglines such as “Nationwide is on your side”, “You’re in good hands with Allstate”, and “Like a good neighbor, State Farm is there” all help sell the image that insurance companies exist to do the right thing for the people they insure. However, this is not the case.
The truth is that insurance companies have built a reputation for delaying, denying or defending legitimate insurance claims just to avoid paying consumers.
Many people who have dealt with insurance companies, especially lawyers who have experience dealing with these kind of tactics, view insurance companies as evil villains because of the way they put their shareholders over the needs of the very people who pay them for insurance.
With the help of 1point21 Interactive, we decided to use AI to imagine and create evil villain characters for each of the 10 largest auto insurers in the country.
What would be your vote for most evil insurance company in America?
State Farm: State Farm is known for aggressively defending its insureds, often by denying liability or downplaying the extent of injuries. They also have a reputation for using delay tactics, such as dragging out the claims process or requiring excessive documentation before paying out a claim.
Progressive Insurance: Progressive Insurance is known for using software called “SnapShot” which tracks the driving habits of their insureds. They may use this information to challenge the legitimacy of a claim or to argue that the insured was driving recklessly or negligently. They also have a reputation for offering low-ball settlements.
GEICO: GEICO is known for its fast claims process, but this often comes at a cost to the claimant. They have a reputation for offering low settlements and pressuring claimants to accept them quickly. They also frequently use recorded statements to try and trap claimants into saying something that could hurt their case.
Allstate: Despite the motto of “you’re in good hands with Allstate”, Allstate commonly underpays or denies valid claims. They have also found themselves at the top of several ‘worst insurance companies’ lists, including one from the American Association for Justice. Turns out they are more Mayhem, than good hands.
USAA: USAA is known for its strict policies and procedures, which can make it difficult for claimants to navigate the claims process. They also have a reputation for low-ball settlements, and like GEICO, they frequently use recorded statements to try and weaken a claimant’s case. However, they tend to be more lenient with their insureds and may offer higher settlements if the case goes to court.
Liberty Mutual: Liberty Mutual is known for downplaying the extent of injuries and the damages sustained in an accident to minimize the amount they pay out. They may also delay the claims process by requesting excessive documentation or taking their time to investigate the claim.
Farmers Insurance: Farmers Insurance is known for offering low-ball settlements, which means they will offer an amount that is much lower than what the claim is worth in the hopes that the claimant will accept it to avoid a lengthy legal battle. They also tend to use surveillance and investigations to challenge the legitimacy of a claim.
Travelers Insurance: Travelers Insurance is known for using surveillance and investigations to challenge the legitimacy of a claim. They may also offer low-ball settlements or delay the claims process in the hopes that the claimant will accept a smaller amount just to get the claim resolved.
Nationwide: Nationwide is known for its strict policies and procedures, which can make it difficult for claimants to navigate the claims process. They may also challenge the legitimacy of a claim or downplay the extent of injuries sustained in an accident to minimize the amount they pay out.
American Family: American Family is known for being difficult to negotiate with and for offering low-ball settlements. They may also delay the claims process by requesting excessive documentation or taking their time to investigate the claim. Additionally, they may challenge the legitimacy of a claim or the extent of injuries sustained in an accident.