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!
"Oh what wouldn't I give to be spat at in the face..." -- a prisoner in "Life of Brian"