No, that's not what I'm saying. I'm saying that if you have a working mechanism for contract enforcement, then insurer specific mechanisms on top should be redu

No, that's not what I'm saying. I'm saying that if you have a working mechanism for contract enforcement, then insurer specific mechanisms on top should be redundant. The replies arguing with this seem to mostly be arguing that contracts don't really work, at least in the USA. Contracts are a very general construct that really do need to work, and it'd make far more sense to make them more enforceable than set up hundreds of industry specific commissions to try and make every commercial dispute one between a company and the government.