Assessing insurance claims

Time was if misfortune or accident struck, you called your insurer and left it up to them to sort put estimates and costs. That's what insurance companies did. But then, insurers realised they could cut operating costs by turning themselves into call centres, which handled the initial contact, and sent out premium reminders - which have now morphed into egregious auto renewals, complete with nasty, unexpected direct debit bills. The difficult site visits and dealing with builders, mechanics, car body repairers, etc being farmed out to loss adjusters.
The insured, having notified the insurer of a claim, would then deal with someone from a different company, who sorted out the costs and expenses and instructed the repairer. But now, yet another entity has interposed itself between insured and insurer: the claims or loss assessor. Once a claim comes into existence, these bottom-feeding ambulance chasers use divers means, including, apparently, payments to emergency service personnel, to discover the identity of the insured, and then hasten to 'sign' them up, by getting signatures to a contract that allows the assessor to 'manage' the claim on the insured's behalf, in return for commission payments from the repairers they obtain permission to use from the loss adjuster.
In reality, however, the assessor is doing nothing the insured couldn't do in person, and adding yet another party into the equation also increases the time taken to put right the damage caused. Unnecessarily complicating the claims procedure adds to adminstration cost and that forces up premiums, meaning that we all lose, due to the resistable rise of the loss assessors.