Those laws do not prevent it from happening, they just offer a small stick for anyone getting screwed to attempt to use in court. Meanwhile your insurance comp

Those laws do not prevent it from happening, they just offer a small stick for anyone getting screwed to attempt to use in court. Meanwhile your insurance company can just wait for you to die while you try to hash it out. Plus, every calendar year that passes while you’re desperately trying to get them to cover services is another shot at them avoiding any responsibility for the next service you need.