09/22/2026
This article is disturbing on many levels.
The irony is that some may read it and say, “This simply proves that you need a lawyer to have any real chance of getting an insurance company to pay your claim.” As a lawyer, perhaps that should be good for business. But that misses the larger and far more troubling point.
Insurance is a contract—one of society’s most important and trusted forms of agreement. Every month, insurance companies readily collect premiums that often represent a meaningful portion of a person’s income. For automobile insurance, most people have no practical choice: without it, they cannot legally drive; without the ability to drive, many cannot reliably get to work; and without work, they cannot earn the income needed to support their families and continue paying those premiums.
The circle is unavoidable. The insurer’s hand is always extended when the premium is due. Yet, according to the findings discussed in this article, that same hand honors the contractual promise only 45% of the time.
That is unacceptable.
Policyholders should not need an attorney simply to compel an insurance company to honor the agreement for which it has already been paid. Yet the practical reality is that remaining unrepresented can place a claimant at a serious disadvantage. If these numbers are accurate, 55% of claimants may be denied the benefits their premiums were supposed to secure.
That is not merely poor customer service. It makes a mockery of the contractual obligations upon which the entire insurance system depends.
At The Baker Law Group, holding insurance companies accountable is one of our primary motivations—and insurance companies are often our clients’ greatest adversaries. We are here to help ensure that policyholders receive the protection they paid for and are not counted among the 55% left behind.
If an insurance company is refusing to honor its obligations, do not hesitate to contact us.
Recover with us—physically, mentally, and financially.
