The presented idea tangentially touches on what IMO is the main issue with the current system.: The objectives of customer and company are unaligned. Insuran

The presented idea tangentially touches on what IMO is the main issue with the current system.: The objectives of customer and company are unaligned. Insurance companies fight tooth and nail to avoid paying once incidents happen. And people have to do the same but as you say it's a David vs golliath scenario. I've always wondered why don't we have companies that "equalize" that fight, with some kind of subscription or other revenue model that aligns with the consumer. They could also have armies of lawyers fighting on the side of the claimer.