Below is a letter from Allstate defending their position. Take note of the vulgar language. Seems to me that it was the government, whether in their infinate wisdom or otherwise. This world is based on a supply and demand idea that if someone demands it, by God, somebody better be out there to supply it.
Insurance policies are a contractural agreement between the insurance company and the insured.
If an insurer fails to hold up their end of the contract, believe me when I tell you that the particular states' departement of insurance is fast to bite the offending ass of that insurer. To fail to identify or even acknowledge the many people who fraud the insurance industry everyday of the week, some even for a living. I think not. I think you must be one of those assholes who had an auto accident and were denied a rental car because it wasn't purchased in your policy, or you must be a disgruntled body shop owner who feels like you got fucked one too many times, when in fact, you were the one who probably fucked the consumer and frauded the insurer and got caught. People scream and cry and bitch when they have a claim all too often because they feel they are entitled to more than the policy that they purchased allows.