I'm in the car business. Car insurance is just as bad. In "no fault" states they'll always claim a percentage responsibility...say 80-20. That means if you got hit, you have to pay 20% or go through a huge hassle of arbitrage...so you just pay it. They ALL do this so it's the insurance companies way of shaving off 20% of the claim or at least getting you to pay your deductible.
FWIW, I had health insurance deny a deviated septum surgery the day before due to it being "cosmetic". I cancelled my insurance, learned how to take care of myself, and cured my allergies...likely due to vaccines as a kid. Modern medicine is great for critical care but fails everywhere else.
I'm in the car business. Car insurance is just as bad. In "no fault" states they'll always claim a percentage responsibility...say 80-20. That means if you got hit, you have to pay 20% or go through a huge hassle of arbitrage...so you just pay it. They ALL do this so it's the insurance companies way of shaving off 20% of the claim or at least getting you to pay your deductible.
FWIW, I had health insurance deny a deviated septum surgery the day before due to it being "cosmetic". I cancelled my insurance, learned how to take care of myself, and cured my allergies...likely due to vaccines as a kid. Modern medicine is great for critical care but fails everywhere else.