I've been saying this for years. Improper denials or non-payments (like when the other driver's insurance went silent after agreeing on what they owed me) shou

I've been saying this for years. Improper denials or non-payments (like when the other driver's insurance went silent after agreeing on what they owed me) should carry a penalty multiplier and a high interest rate beyond that. If improper rejection saves them money they'll do it. The system has to be engineered that proper behavior is also economically sensible behavior.