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Chaco, you must enjoy aggravation.
The real scam with insurance is that they will find any sleazebag excuse to get out of paying off, and their lawyers can beat up your lawyers. One case that I recall was about ten years back, a woman driving through Tacoma was hit by a stolen SUV as the car theives were running from the police. Her insurance company (Farmer's Insurance) refused to pay off even though she was carrying full boat coverage. Their excuse was that the bad guys apparently hit her on purpose to knock her out of the way, so therefore it wasn't an accident, and she was only covered for accidents. The lady had paid faithfully for decades, now she was in the hospital in a body cast, and the dirtbags went slithering for the exit. The only thing that saved her was the shitstorm of negative coverage in the news. I know all the other insurance companies are just as dirty, but that scratched Farmer's off my list forever.
But the classic scam involved so-called health insurance. For decades private health insurance contracts had a clause that prohibited coverage for pre-existing conditions. The contracts were always written for a one year duration. The annual renewal was presented as a formality. Until you got sick. They would pay your medical bills for the remainder of the contract, and then refuse to renew at the end of the year. If you were in the hospital with cancer and needed one more round of chemo to survive, tough shit. It happened that way to my grandfather, and again about 20 years ago to the mother of a guy I worked with. They both died.
Actually, scam is too nice of a word for what these people do.
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