Can't blame them, really.
Two things: one, they're afraid of getting sued. Two, it's probably written into their insurance coverage that they do it they way they do.
Over the last couple of years, I've become convinced that the insurance firms have become a blight upon our society. That this has happened, however, is not really their fault; they were simply acting rationally. The real fault for this lies at the feet of the judiciary, specifically in the civil court system.
--\n-------------------------------------------------------------------\n* Jack Troughton jake at consultron.ca *\n* [link|http://consultron.ca|http://consultron.ca] [link|irc://irc.ecomstation.ca|irc://irc.ecomstation.ca] *\n* Kingston Ontario Canada [link|news://news.consultron.ca|news://news.consultron.ca] *\n-------------------------------------------------------------------