What amazes me is that these people don't realize how much it costs them over time. When a pad today comes back at a greater amount over the next twenty years. There is something to say for morality.
When I first started working as a court reporter, I did a lot of personal injury work for defense attorneys; most of them worked for insurance companies.
One night when I was typing a deposition from some whining woman who had "soft tissue injury," I asked my husband, who is in the insurance business, why they didn't just pay these people so I wouldn't have to listen to them whine and lie.
He pointed out to me that they HAD already paid the people with legitimate claims.......which, of course, I could have figured out from the testimony most of them give. ("I can't even lift a CD to put in my DVD player.")