Insurance companies have a network of beliefs and practices set up against the people who pay them. There is a theory that what insurance companies actually sell is piece of mind, and that any financial benefits they actually provide to policy holders is secondary. The number of legitimate claims I have seen denied lends some credibility to this theory. The most egregious claims to deny are those held by individuals who have lost a limb due to recklessness, and this is why the Davis Law Group tenaciously defends those subjected to this injustice.