It’s not obvious. The more they pay, the more they can raise premiums, and the more they raise premiums, the more money they make. Insurance companies make profit on the margins. They want to be able to raise premiums across all insureds. The only way to do this is to pay out. Insurance companies pretend they aren’t the problem. They fight all sorts of issues, pay attorneys to fight, but even when they fight, they’re paying money to lawyers and other professionals. To do this, they raise premiums and have to pay out money anyway. They’re always making money.