I'm cynical enough to believe that the insurance company did a cost/benefit analysis beforehand and understood the regulatory risks of denying that coverage, an

I'm cynical enough to believe that the insurance company did a cost/benefit analysis beforehand and understood the regulatory risks of denying that coverage, and in the end, they still saved more than $6.4 million in denied claims to people who didn't have their *%it together enough to be part of the class-action.