Because insurance companies are greedy blankety blanks that are robbing us blind.
That's kind of a broad statement sara. Do you realize just how much fraud there is in insurance???? Unfortunately fraud hurts us all by having astronomical premiums and also having claims at times scrutinized more than they should be. I do work in the industry and I have seen both sides of the situation...the company's greed and the insured's greed. What it adds up to is higher premiums for all!