When I was in my thirties, I was absolutely confident that with my health insurance and my doctor, there would be no stone unturned should my health take a turn for the worse. I treasured that insurance. I'd frankly just as soon take my chances at the county hospital, dismal though it is. Anyone who's my age and remembers dealing with a car accident thirty years ago, versus today, can attest to how difficult it's become with virtually all carriers. Making a claim today leaves one feeling dirty, as if you intentionally got hit by the truck to make a buck, and that you are just trying to rip off the carrier.
Every single repair is nitpicked.
The claimant often has to wait outrageous periods of time for settlement, and finds the whole process exhausting. Many, many of them just let it go and accept what they're given, or just walk away. This process has now spread to virtually every kind of insurance, and it appears to me that the only way it will now be reversed is through legislation and judicial process, both tedious and expensive. I think the only hope is through people joining forces. A lone claimant is in a terrible position.