My wife works in the health care field its not just car insurance companies that don't want to pay health insurance companies are just as bad: clerks deciding which treatment and medication is best and covered for a patient with no medical training. She is on the phone for hours trying to find out if a patients diagnoses and treatment is covered.
I once had a claim denied after it had been approved, and after I'd already had the surgery. Got a bill for $25k. Took me 3 months of wrangling to get it fixed, but ultimately, insurance paid the bill. Part of the screw up was the surgeon's office staff, part was the insurance company.