CNN.com recently reported on the Delay, Deny and Defend mentality of insurance companies when confronted with small or "minor" injury claims. Read the entire article here. These tactics are even more prevalent in Alabama where laws overwhelmingly favor insurance companies and our insurance regulations do nothing to protect insurance claimants.
In response to these hardball tactics, several States have adopted a "Claimant's Bill of Rights" that requires insurance companies to deal in good faith with claimants. They have also adpoted laws that penalize insurance companies for unneccesary delays and in some cases require the insurance companies to pay the claimants legal fees. So far, no such legislation is on the horizon for insurance claimants in Alabama.