Why can't drivers get car insurers to honour and promptly settle legitimate claims instead of delaying, denying, or refusing agreed payouts?

“Lack of objectivity in handling claims and internal conflicts. Lack of CRM. Lack of quality and managing repairers. Treating me as the paying…”

“come at a massive long-term cost. It took them over four months to repair minor damage to my vehicle, during which their complaints team completely ignored my repeated follow-ups, and I discovered that their "comprehensi…”

“Just purchased my dream car and whilst driving had a steering malfunction ended up into trees on the median strip. Contacted Enthusiast and spoke to…”