News flash! Insurers have been raising your rates by 47% every year for the last 47 years and 47% of the time they get their way! And this is happening in 47 states! And insurers only pay 47% of all valid claims because they’re betting that 47% of customers won’t fight the denial and they can make a spread on a 47% chance of victory through attrition by hiring shitty hate-themself-defense lawyers to do their bidding against the small few that do put up a fight.
(They also are frequently sending lists of 47 other things to exclude down to underwriting)