Terry: Months ago, I submitted a claim for my stolen bicycle to my insurance company  After hearing nothing for several weeks, I contacted the firm and found they had no record of my claim  Since then, I have resubmitted the claim twice and called the firm repeatedly, but I have yet to receive a settlement
Anyone can make mistakes, of course, but the persistence of the error makes me conclude that the company is deliberately avoiding paying up
In judging the morality of a corporation's behavior, as opposed to that of an individual, mitigating circumstances are irrelevant.