I worked in Injury. Management will beat the drums about following the SCP's and KPI's. I do not know how people in Injury do their job except to deliver consistently unremarkable claim service or just work a lot of overtime to do a good job. Management would complain how my peers would not apply comparative fault or make good liability decisions, but my peers would usually have better KPIs than I would. I would observe some people just taking a liability position without further investigation because doing so was quicker. In order to do a quality liability investigation, a claims specialist must take time to do a good investigation. I was the best liability investigator on my team, applying comparative fault whenever I could. I also was pretty good at sniffing out fraud as well because I took the time to investigate claims.
The key element to good claim handling is taking the time to make sure ALL facts are being considered.
Management wants you all to to follow the SCPs because they know that you cannot follow the SCPs. For example, I worked in the Murfreesboro Operations Center. All of my fellow claims handlers for Tier 2/3 Injury were taken aside and given "additional" training which was not led by management. Rather, this training was informal and led by claim specialists who had been doing the work for several years. They said that we should not follow the SCP's because there was not enough time.
I remember being in a team meeting about how we should be trying to settle claims even if this includes lying. Management said that we should not use the term lying, but we should use the term "negotiating." I was good at "negotiating" settlements; there were quite a few months that I led the team in securing recorded releases.
I am by personality a cynical realist. I think the SCPs are in place for two reasons. One reason is that they do sort of set a framework in which to handle a claim. However, I think the most important reason is that executive leadership knows that not one person is going to handle every single claim within that framework. Management can then have plausible deniability about unethical claim handling, and they can have a reason to punish claim handlers that do not "buy" into how wonderful and how remarkable the claim process is.
Note: The State Farm claims process is remarkable. I always heard someone complaining about the service.