The company came pretty close to getting away with "our systems are down so we can't pay you". I'm sure there were far more policy holders during that time that

The company came pretty close to getting away with "our systems are down so we can't pay you". I'm sure there were far more policy holders during that time that didn't pursue arbitration than those that did. So why wouldn't they just shrug and try to blow it off? On balance it likely made them money.