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The American Association for Justice (AAJ) has exposed some of the most underhanded ways insurance companies attempt to make money at the expense of victims in a publication called Tricks of the Trade: How Insurance Companies Deny, Delay, Confuse and Refuse.  According to the AAJ, insurance companies have trillions of dollars in assets, pay their CEOs more than in any other industry, enjoy average profits of over $30 billion a year, deny valid claims to boost their bottom lines, and