Adjuster Lisa sent me a video from The Incredibles which demonstrates a far too common occurrence at some insurance companies:

Experienced adjusters have explained to me privately how they use similar techniques to help insurance customers get paid, despite company protocol which would mandate otherwise. Unfortunately, as discussed in yesterday’s post, Florida Senate Passes Anti-Consumer Insurance Legislation, many private insurers provide economic incentives that are tied to the amount paid on claims to encourage claims management to underpay or deny claims. The Incredibles also has a scene regarding that ethical dilemma: