This doesn't look like a win to me. When insurance companies (and equivalent products) pay a claim through legal action, even if it were 100% of the claim, they

This doesn't look like a win to me. When insurance companies (and equivalent products) pay a claim through legal action, even if it were 100% of the claim, they have won. That was all they were ever obliged to do and they got to put it through a filter first, where they benefit from filtering even a small fraction of claims (and in reality it's a large fraction). Sound legal principles demand double or treble damages for every litigated insurance claim to prevent this hazard.