Adjusters knew that their greatest ally in meeting their 30/60/90 goals were the poor and uneducated policyholders. The ones with poor English, the elderly living on Social Security, or the ones in desperate need of the money to pay bills. “If you knew they were living paycheck to paycheck, they were a prime target,” Brady said. If Allstate sent them a lowball check in the mail and they cashed it, that was tantamount to settling. “If they cash the check, it is full and final. Kind of scary, isn’t it?”
