You should be able to get insurance for your insurance. So when you need insurance and it doesn't pay out. Then that insurance company can go after the first one without having to resort to twitter or medium to shame them.
After they arrived they both quickly got sick, not flu type symptoms but a weird spot on the neck, dizziness, and a couple other things I can't remember. It seemed like it could be serious so we took them in. Doctor examined them, said they were okay and we went home. Filed a claim with insurance.
Insurance asked for medical history. They literally don't have any, nor was it really relevant as they weren't diagnosed with anything. I think the insurance wanted to claim pre-existing conditions (which they don't cover). They still refused to pay anything. The bill wasn't even that much, maybe a few hundred dollars? It was less than what I paid the insurance!
Look up contact info here:
If this doesn't exist it seems like an opportunity worth investigating. Your premiums would essentially be paying for consumer research on insurers (this should also include so-called "extended warranties," which is a huge market). The relative costs of premiums for different insurers should drive consumers to more trustworthy insurers, which should improve the insurance marketplace for everyone.
It's possible it just may not be economically viable though.
Of course, whether THEY will pay out on a claim is a separate question.
I think that's every insurance purchasers worry. The insurance companies have people who work for them to look for ways to deny your claim. But if the claim is straightforward, obvious and well documented, they will pay out unless you are dealing with unscrupulous insurers.
I think this a fallacy (unless most insurers are unscrupulous). It is very common for insurance companies to reject the claim initially and hope you'll go away.