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Originally Posted by Mattyk72
You've pretty much answered your own question but I'll just elaborate.
If it wasn't for the people out there scamming the insurance companies, you probably wouldn't hate the insurance companies as much.
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You're right. Unfortunately, they are a business who profits from NOT providing a service. The more of their service they provide (paying claims), the less money they make. So, they do everything in their power to invalidate any claims made from people who are (for the most part) honest, loyal, and paying customers.
Also, if they didn't behave this way they would be less profitable and the shareholders would fire the corporate officers. It really comes down to a fundamental flaw in the corporate model.