[potato3732842]

The AI won't reject a claim because that's easier than doing the paperwork to approve the claim and it's 4:30 on a Friday.

It also won't approve it because despite not putting the "magic words" on the form it's clear from the situation that you'll get approved regardless and it's a waste of the company's labor to have you file an appeal that they then have to review.

I'm not sure which case is more common though.