Why are those so afraid to stand up to the insurance companies?



Answers:
because they have adjectives the money so therefore they hold all the power.. if you're rude to them they can variety it really tough for you to collect any money.. they won't come out and tell you this, but they can be particularly good at finding little loopholes to attain out of paying someone.. of course if they did that to everyone, nobody would ever buy insurance, so the insurance companies own to pick and choose which people they screw over.. so mortal nice to them makes them smaller quantity likely to choose you as a nominee to be screwed over when you need to collect money from them..
They enjoy more lawyers that could tie you up contained by so many years if nearby are problems with your coverage specially if you hold missed payments. They can be your friend or your foe.
Because of the perception that they're so powerful. Although they have access to tremendous resources, they do hold limits to their power.

Instead of turning to an insurance agent (who won't hold experience with insurance law and can't compel any action whatsoever from the insurer) or an attorney surrounded by general practice (who charges elevated fees and often is ignorant of insurance laws and regulations), it is recommended that folks contact their state insurance commissioner's organization. They can be assured their complaint will be investigated thouroughly and that, if a law or contract provision is violated, the insurer will be ordered to pinch corrective action. The process is completely free to the complainant, even if the shield goes to court after an charge is issued.

I hope this helps.
It is not that they are afraid they merely have more sense - realize, insurance companies are single in business to create money and not to insure your possessions or your life. People near more sense do not waste their money giving it to legalized thieve.
I don't know if "afraid" is the right word for it.

I think that most population don't understand what they are buying contained by the first place, and don't take the TIME to get the message it. So when the claim comes around, they are more likely to listen to friends & relatives roughly speaking what to do (more people that don't read between the lines what it is, or how it works) and NOT turn to their agent.

So when the problem crops up, instead of turning to their agent to solve it, they turn to their neighbor to complain . . . and the problem never gets resolved.

So I suppose it's more an issue of ignorance and laziness.