It's Anecdotal Evidence Day!
About a year ago Alexander (yours truly's Significant Other) was hit by a car. At the time he was in a crosswalk, obeying the pedestrian signal, and was hit by an inattentive Mom (hereafter known as iMom) in a minivan talking to her children while trying to find the nearby McDonald's. iMom immediately admitted her fault in the accident and gave him her name and insurance information, which he gave to the hospital he was taken to for payment of his bills.
Weeks later, he was sent a bill from the hospital saying that iMom's insurance (Farmer's) had refused payment. When he called to question them over the following weeks, he was simply told, "Use your own insurance."
Since the damages to his person were pretty extensive (being thrown 15 feet by a minivan will do that), the bills piled up quickly. He sought legal counsel and found a firm that specializes in dealing with insurance companies and hates Farmer's SO much that they took his case on a contingency basis. They usually don't even take cases from individuals, never mind on contingency. I don't know about you, but that tells me something about Farmer's reputation in the insurance industry.
It's a year later and the case is ongoing. Farmer's neither denies their client was at fault, but they won't pay, either. Alexander's credit and bank account is impacted by this.
I can understand the business reasons that Farmer's will delay payment on this claim until the last possible moment, but seriously? Way to be an asshat, Farmer's. I will never do business with you if I can avoid it knowing that this is your business model.
Do you personally care about the business ethics used by the companies you choose for various services? How severe do their crimes have to be?