Perhaps but in my experience some insurers want to keep their money much more than others. Hence the
Supreme Court of Canada setting out rules that give rise to bad faith and punitive damages against insurers and restoring the trial verdict of $1M in punitive damage against a small insurer. That sent some shock waves through the Canadian insurance industry since prior to the 2002
Whiten v. Pilot decision, the punitive damages awarded against insurers in Canada were nominal amounts (unlike our neighbours to the south) and the Ontario Court of Appeal had that same view -- which the Supreme Court of Canada did not share -- and thus they restored the trial court's jury verdict of $1M punitive. The unfortunate thing is you have to sue and go all the way to the Supreme Court of Canada to get it. It's very easy for an insurer to play games with an insured and the recourse for an insured, after a claim, are costly. So research before buying a policy is always more prudent than finding out after a claim. Saying they're all the same isn't really an answer when one insurer gets 200 reviews and another gets 3. I have to think with all those people taking time to post a bad review, perhaps there's something inherently wrong with their claims process? In any event, I wouldn't want to find out.