Because I am a soldier on the battlefield between insurers, insureds, third party claimants and Doctors, I can say there is a lot of truth to what Scott says. There is an "us against them" mentality that often pervades on both sides, and since I am one of the few attorneys who is often on both sides, I get to see it and hear it in the flesh. Doctors are frequently spoken about in very unflattering terms based on reputations that they have developed from any of a number of criteria, including the quality of their reporting, their eagerness or lack thereof to perform surgery, the perceived excessiveness or lack thereof in their disability assessments, or work capacity assessments. I know one doctor who has a reputation for being an aggressive advocate for surgical treatment, and is called a certain name due to that reputation.
How this type of conduct manifests at the lower levels of an insurance company is largely a by product of management philosophy. A number of years ago, I was called upon to get involved in a subrogation claim between two insurance companies over a homeowner's loss and payment for same. In reviewing the file that was sent to me, I noticed that an agreement to accept liability had been set forth in an email from one low level insurance company employee to the similarly low level employee at the other company. The acceptance of liability couldn't have been any clearer in a pithy email. 6 months later when the promisee company called the promisor company asking where was payment, a supervisor picks up the file, and promisor company that had accepted liability told the other to go pound sand. Long story short, I file a lawsuit from hell and within days I get a call from someone very, very high up the food chain in the sued insurance company, who made it clear to me he wanted to settle the case and asked for an extension of time to respond to the lawsuit so he could get one of his more senior staff litigation attorneys involved to conduct the settlement negotiations. I granted the extension and the case was settled within a week for a sum that included the full subrogation claim plus my attorneys fees plus costs (there was a bad faith claim and other statutory claims so I could recoup my attorney fees).
When the smoke had cleared, the settlement docs were signed, and the case was over and withdrawn and in the rear view mirror, I ran into a friend of mine who was in house counsel at that insurance company, who had some familiarity with the lawsuit. I asked him how on Earth something like this could have happened (it's very rare in my experience which is over 20 years litigating this stuff).
He then put the blame on the insurance company's management, telling me that "they really don't teach their new employees how to adjust claims, because they think you can train a monkey to do it. And we have had some other stuff like this happen that hasn't spilled into litigation yet."
To be fair I work for some insurance companies that are very good at what they do, are very professional, and their senior adjustors know the files and the law and when they call you they ask some damn good questions. Most of the senior people at insurance companies who are very good at what they do are "true believers"- they don't believe anyone deserves a nickel of insurance money, but they will give you a number of good reasons why.