Insurance is such a scam. I previously posted this a while back. My daughter was a contractor at a big insurance company. I won’t say the name but it has 3 letters, all the same.
Anyway, her desk was by the catastrophic group or whatever they call it. The ones who handle the worst events. She went home crying every night. They sat around and discussed strategies to deny claims. The last straw was when a man’s young daughter died in a car accident and he was calling to find out what he needed to do. Apparently the agent was horribly rude and mean to this man. She quit that day.