Too often, insurance companies refuse to pay fair and just claims to policyholders. When they do, the only way to hold them accountable is through the civil justice system. Many insurance companies refuse to pay just claims, employ hardball tactics against policyholders, reward executives with extravagant salaries, and raise premiums while hoarding excessive profits. At the same time, the insurance industry has enjoyed its highest yearly profits ever, all at the expense of consumers. AAJ has conducted extensive research to examine insurance company greed and how consumers can hold them accountable.