WE pay insurance companies for the pleasure of watching them find obscure, arcane, insane and seriously a pain reasons to NOT pay claims they promised they would honour as long as you paid premiums to them.
Insurance companies are worse than any parody could make them, and those who work in their sales or “adjustment” departments WILL meet G_d someday, and they can explain to HIM why they deny damned near EVERYTHING.
Not true!
As a newbie insurance adjuster I believed it was my job to deny every claim and did. After a few weeks I was called into the President’s office and told that “Our policy is that every claim is payable”.
My decades of experience in the insurance industry has seen that principle decline because of overbearing regulations, ambulance chasers, forced coverage for incalcuable risks, resulting in a diminished product and increased premiums.