Because they're an insurance company…
I just got off the phone with a defendant in a car wreck case. We had served him with a suit a few days ago, and he’s been leaving harassing messages at off hours claiming he didn’t own a car and was out of town on the date of the wreck. The messages also threatened he was going to call the state bar, the attorney general, local television stations and whomever else he could think of. But he wouldn’t leave a number to call back.
He finally called during business hours, and I talked to him. He “remembered” that he had been in a wreck when he ran a red light, but he said he was fully covered legally. I asked what that meant. He said he had a valid driver’s license and full insurance. And then he asked, “You mean the insurance company didn’t pay?” “No.” “Well, why would they do that?” he asked. And I replied with the truth, “Because they’re an insurance company.”
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