Insurance companies will go to any lengths to deny your claim and are well practiced in the art of intimidation. Best tool – private investigators. My insurance company hired private investigators within weeks of my car accident, investigators who invaded every aspect of my life in an effort to assist my insurance company to intimidate me and deny my claim. Private investigators that were prepared to make my life hell at any cost – dangerous high speed chases, high powered cameras, perverts sneaking around my home, following my daughters, interviewing their friends, our neighbors and business associates, and it got so bad that my neighbors had to call the police several times. There was nothing I could do, my daughters were terrified, my wife wouldn’t leave the house and driving the car while being chased was a nightmare. My daughters moved away as soon as they could but they still look over their shoulder to see if they are being followed. They are changed forever. How much does it cost to become one of these private investigators and ruin someone’s life? $315.00 plus tax. I read here on this site in the anti-fraud task force report that the Financial Services wants to give insurance companies broader immunity? So they can do whatever they like to their policy-holders and their families as they see fit, because they think we are cheating them? I’ve seen what that can do and after a decade I don’t think it will ever be over. The injuries from my car accident were catastrophic but my insurance company’s intentional damage to my life and those around me wasn’t accidental, their strategy of delay, deny and intimidate has been catastrophic too.