To avoid having to pay up often, they'll want to discourage such lawsuits as much as possible. That means making an example out of the fool who has the audacity to initiate a lawsuit that is covered by the insurance policy.
Who do you think I am? Samuel Pepys? I don't even have time to 'Read The Articles' let alone write a fscking journal!
"The Avis WIZARD decides if you get to drive a car. Your head won't touch the pillow of a Sheraton unless their computer says it's okay." -- Arthur Miller