The GP is saying that you shouldn't assume that insurance companies are playing the game of civil society (wherein everyone is expected to be ethical to one-another), when in fact they are playing the game of profit-maximizing (wherein everyone is expected to rip each-other off to the fullest extent of the letter of the law.)

See also: the tax code. An accountant is just someone who rips off the government for you, to stop the government ripping you off so much. Because that's the game that's being played, as agreed by all players.