I can only comment on the claims department. When you fairly evaluate a case and send it “up the line”, your supervisor will cut the amount of authority requested significantly. The next level of management will then give you half of the actual settlement amount and tell you to schedule an in person mediation. You are instructed to only offer the insufficient amount if it will settle the case! They then spend thousands of dollars in defense costs. If they get a trial date, they panic and tell you to offer what you originally asked for, or MORE, to settle. Ironically, they have yearly meetings to tell everyone that they want to be known as a “Good” company! The hypocrisy is unbelievable.