Why can't insurers pay out legitimate claims instead of denying, delaying, and treating claimants like criminals?

“to drill me with questions. Yes I was confused because of my terminal illness but I tried my best. They knew I was robbed because I told them them the police called me and found some of my property in cash converters.the…”

“builder with poor customer service. My gate and fence were damaged by a car, and even the car insurance company admitted they would pay for the repairs. They made my life difficult with poor service, rejected fixing my h…”

“I regret to insure with Coles Home Insurance, and even the one star rating they don’t deserve. They refused to fix my home and provided a poor…”