If you ask from those people who have suffered losses in some accident and received money as insurance claims then they will tell you how clever insurance companies are. They will tell you that insurance companies work only for their benefit and they assess the losses of insurance owners in wrong ways. Most of the time insurance companies offer very lees amount as insurance claims to the insurance policy holders. But you need not to worry because insurance loss adjusters can always hired for tackling those insurance companies which do not pay sufficient insurance claims. Claim adjusters work for their clients and negotiate with insurance companies on their behalf.