"The only entity that got screwed was the insurance company," Unlikely they got screwed over. Insurance money doesn't come out of thin air. Insurance companies

"The only entity that got screwed was the insurance company," Unlikely they got screwed over. Insurance money doesn't come out of thin air. Insurance companies charge a premium for coverage and that premium usually goes up after a coverage event to make up for the increased risk. Insurance companies very rarely get screwed over.