I highly recommend reading this book:

https://www.amazon.com/Delay-Deny-Defend-paperback-JayM-Feinman/dp/0989501701/ref=sr_1_1?crid=2QI6VYLR8W605&keywords=Deny%2C+Delay+defend+book&qid=1644942699&sprefix=deny%2C+delay+defend+book%2Caps%2C73&sr=8-1

The world of insurance made a BIG change in the early 1990s......and not for the better....... Remember, insurance is one of the world's OLDEST businesses and is the only TRILLION dollar business in the United States. There is a reason Warren Buffet is all up in it.......