[drtillberg]

Ok, point taken on underwriting and excluded risks, both of which are closely regulated and create legal commitments which insurers scrupulously honor by paying claims.

I think in any organization when management constantly is trying to squeeze costs there will be instances of incompetent conduct (which folks on HN will quickly note is often indistinguishable from malice). That said, if an insurer denies claims where liability and damages are reasonably clear, or abuse legal processes-- both of those are torts, legal fees are often available for the successful party, and if you feel you've been wronged by an insurer in any of those ways by all means go speak with a bad faith insurance attorney and good luck.