> LOL, wait until you hear about ERISA and learn that everything you just said is wrong for most employee insurance plans and that you can't even get damages when they act in bad faith.

We may be talking past each other here. I was referring to property and casualty insurance in my comment, while it sounds like you're talking about health and disability insurance. Two completely different worlds and regulatory frameworks.

Fair, those are definitely much more fair but just a quick search will show there is no shortage of courts ruling in insurance companies favor even when acting in bad faith. Just looking at complaints on the insurance commissioners website for my state seems to indicates even when they do get fined the amounts are small.