“I’m a pilot. My experience with insurance companies as far as airplanes go is that they really are no longer insurance companies at all. They are law firms masquerading as insurance companies”
Many insurance companies will deny claims at random just to see if the people will dispute it. Things like denying every 10th claim or large claims are common place.
No source that I can post. My source is a ex-director at a local insurance company and others in the medical field.
That would explain our experience. We got new insurance a few years back, and my wife scrutinized every bill and EOB form. She is a wonderfully detail-oriented person. Things would get denied for no reason at all, and she was constantly calling to get things corrected.
After a while, they stopped making mistakes. It appears of file has been placed in the "Won't take any sh!t" pile, which is a pretty good pile to be in!
I own a grass strip and used to run a not for profit glider club from my strip. I was told by AIG that I could not use a general liability waiver to protect myself from the club members because, as an agent of the insured, it might prevent them from suing me for negligence if somebody insured with them balls up an airplane on my runway and as a result AIG has to pay a claim for the damages. Essentially, AIG wanted to reserve the right to come after me to recoup their losses, regardless of whether I was at fault or not. That is not insurance. That is a law firm masquerading as an insurance company.
Needless to say, I no longer tow gliders from my strip and I do not allow anyone to operate from my strip besides me. AIG was foolish enough to send me a statement to this affect in writing, which was promptly forwarded to the State Insurance Commissioner. The Commissioners office seems pretty interested in this tact of AIG, although I'm not at all hopeful that anything will come of it.
a lot of missing details here.
Read the The Rainmaker by John Grisham (lawyer). It is fiction but how did he come up with the idea of a cold blooded insurance company?
True details are missing, but I feel experimental, random withholding and other reasons are used to deny treatment. It is based on cost.
Always follow "The Money Trail".
I fought through a serious illness last year and also had to battle my insurance company and various medical providers to live up to the terms of the contract for my coverage. I’ve heard similar stories from far too many others. I really think the insurance companies assume (probably correctly) that many people won’t fight them on the unjust denial of coverage, so in the end it benefits their bottom lines.