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This is one of those situations where EVERYBODY KNOWS it's a racket, but the insurance companies simply pay lawyers to come up with new fine print or new procedures to circumvent regulations designed to protect the policy holders. Then a couple of years are spent in litigation about the claim adjusting policies, and if they are found in violation they pay a fine and rewrite their procedures and go right back to denying claims based on the new system until somebody sues again, then rinse and repeat the whole game. Meanwhile a few dozen people die, the company rakes in millions in premiums, the lawyers and managers get fat paychecks and the shareholders get a nice dividend. Thus explaining why some policy holders have given up on getting help from the legal system and are investing in 3D Printers (ones that actually work).
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