>> I'm not trying to be smart or picky..
I typed it badly. More concisely Insurers moved from a quality of service sensitive market to a price sensitive market and thus removed everything quality of service oriented to reduce the price.
This changed their claims handling generosity, introduced admin fees, cover breadth and many other things. Very similar to why a cheap airline charges you for peanuts rather than including them in a quality service.
>> they used to be really helpful and cooperative
Both of which cost money, none of which they can recover from higher, quality oriented, pricing.
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