>> one of the consequences is that when situations lie this occur insuance companies require law suits to recoop their costs
I broke an ankle while on a friend's boat and my insurance company harrassed me for a long time. They first seemingly casually asked for the name and address of the boat-owner and, when I refused to give it to them, they got aggressive about it, told me (threatened, really) that they may not pay for my medical care, etc. Basically told them to do what they had to do... and I'd do what I have to do. They called periodically with the same threats, sent me forms to fill out, etc. I just kept ignoring it. At some point, they stopped.