If an insurance company is making money, then that means it is NOT paying many claims. That's how they make it. They don't make money by paying claims. It's part of the business model.
Actually, it's not like that. I used to work for a big one. Insurance lines usually break even or garner less than a 2% profit. When you think of it, P&C must have all that customer service to support claims, whether they pay out or not. That's expensive. The real profit comes from the company taking your money and then using it to invest. With smart portfolio management, the insurance company can turn huge profit off your money. I know, because I used to run the portfolio management software for the company. Insurance companies can usually afford to be generous.
I'm sort of getting lost here as to how this all relates to Scent-Lok and their ilk. The bottom line here is that a lot of hunters put faith in a lot of stuff that they have no reason to. I agree with folks that are saying: "Let the buyer beware." However, that only can go so far. Fraud is not part of it. If a product's claims are judged to be fraudulent: (from Wikipedia)
Common law fraud has nine elements:http://en.wikipedia.org/wiki/Fraud#cite_note-1http://en.wikipedia.org/wiki/Fraud#cite_note-2
[ol][*]a representation of an existing fact;[*]its materiality;[*]its falsity;[*]the speaker's knowledge of its falsity;[*]the speaker's intent that it shall be acted upon by the plaintiff;[*]plaintiff's ignorance of its falsity;[*]plaintiff's reliance on the truth of the representation;[*]plaintiff's right to rely upon it; and[*]consequent damages suffered by plaintiff.[/ol]
. . . then this is a crime. Go back and look at these 9 parts. They all have to be true. This isn't about puffing up your merchandise. This is not about simply saying it's the best. It is a deliberate and calculated criminal act. This is what Scent-Lok did, and they did so wantonly.