> Nobody is as motivated as them to make the other driver/car manufacturer/etc pay/hurt/apologize/etc.
I don't know why you think that. Insurance companies working together is an iterated game with no clear end point. It makes all the insurance companies more money if they just settle all claims as quickly as possible, as long as the total money changing hands among all claims is correct to within the margin of how much much they save from not investigating.
I don't know why you think that. Insurance companies working together is an iterated game with no clear end point. It makes all the insurance companies more money if they just settle all claims as quickly as possible, as long as the total money changing hands among all claims is correct to within the margin of how much much they save from not investigating.