No, liability insurance pays out according to the terms of the contract.
If I were writing an insurance policy to protect a company against hacking, I'd sure as heck include clauses that require the insured party to take certain steps to protect that data. *If* such terms were part of the contract, and *if* Sony didn't abide by the terms of the contract, then the insurer isn't under any obligation to pay out.
It all comes down to: what were the terms of the policy? None of us knows that, so we're all just taking WAGs on this issue.
Most liability contracts have clauses that require the insured to take certain measures to reduce their risk. If this policy does contain such clauses, and Sony didn't take those measures, it certainly stands to reason that the policy won't pay out.
It all comes down to what the contract says. Since that contract hasn't (as far as I'm aware) been released, all we can do here is guess.
When I stopped asking questions, Shail had one for me. "I have experienced some Americans—please don't mind—they don't like Indians. They act rude as soon as they come to know I am Indian. Why is this?" I stammered something about protectionism, but really I didn't know what to say.
Simply put, nobody likes communicating with people who are.. well... difficult to communicate with.
This doesn't explain it.
American consumers are watching companies abandon customer service and outsourcing these functions to overseas companies that employ call-takers that have no knowledge of the products they support, no ability to do any real troubleshooting, and no authority to give any help at all outside the script on their desk.
India isn't the cause of the problem; it's the symptom. When we call and talk to someone in India, we're not upset at India, we're upset at the company we're trying to do business with, which has let us down. Talking to someone in India is simply the indication that the company we're working with doesn't care about us as customers.
The hardest part of climbing the ladder of success is getting through the crowd at the bottom.