From what I've seen most ins companies are quite fair and do pay out when they should - most of the litigation ends up when someone wants a benefit they never paid for is is doing something shady like burning their own house down for the ins payout. Also there's a huge range of ins defense from auto liability to D&O to general commercial liability.
At least at this firm - it's 2000 hr requirement for the firm, and hours get kicked back ALL the time! It seems really stressful since the clients are pretty sophisticated.
I'm sure an insurance company is a much better client than most for obvious reasons.
Sometimes, you're probably fending off frauds who are looking for a quick payday; that would be gratifying. But most of the time you'll be across the table/aisle from someone who just had something terrible happen to her -- and you'll be telling her that, for X reason, you're not going to pay. And, before that, you'll have searched through her policy to find any clause, and and her file to find any action, that would render your client's coverage inapplicable. Sometimes, you might even string her along for a while, making her think you'll settle, then, as soon as the statute of limitations runs, you either hang that over her head and make her settle for a fraction of what her case would've been worth, or litigate and pray the judge doesn't find a way around enforcing the time bar.
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