In a perfect world, when Baton Rouge residents are injured in car accidents, they could file a claim against the other driver's or their own auto insurance, and receive a timely settlement that allows them to get on with their lives.
But we don't live in a perfect world. Insurance companies are in the business of routinely denying and low-balling claims. Despite the cute commercials with the friendly insurance adjusters assisting consumers with snappy resolutions, that's not how it actually works. A few years ago, CNN investigated the standard operating procedures of America's top insurance companies -- delay, deny and defend.