I didn't want to hijack anyone's thread so here is a link to a tip of the insurer fraud iceberg FINDING AN ATTORNEY
Another place, maybe the same as the last: The Allstate Abuse SiteRing
Although Allstate isn't always evil, they are the leader in ripping off their claimants. Other companies, in order to compete with Allscrew, have started resorting to the same tactics.
The usual tactic was to tighten the screws on a certain demographic and/or geographic area until someone takes notice. Then relax the screws and move the "operation" to another area. One, maybe two or three of the "Big " companies has been CONVICTED of racketeering and fraud on more than one occasion.
There is also a lottery type of claims settlement. A certain number of claims sail right through the "adjustment" process and are paid promptly. These cases are far outnumbered by the denied claims.