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Next I’d like them to go after windshield chip repair shops and pharmacies that advertise “free*” services. Where free == paid by your insurance. Assuming your insurance will pay for all of it.

Free doesn’t mean paid for someone you paid to handle it for you.

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I asked one of those chip repair guys how it worked years ago. He said the insurance companies pay them to repair the chips, because those little fixes are much cheaper than paying to replace the whole windshield when it inevitably cracks. It seems like a win-win-win. The driver gets the windshield fixed with no out of pocket cost, the chip guy makes some cash, and the insurance company saves money.

Where’s the downside?

While that does sound good I think the previous comment was saying how it's not free without insurance so it's not technically free

I suppose. Where I’m at, and I think almost everywhere in the US, drivers are legally required to have car insurance. Assuming the chip repair places don’t require a premium level of insurance, it should be a non-issue, as the requirement is something everyone is already paying for.

It is still not free. We need to stop redefining things.

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