This doesn't require research. Just reject by default and concede if a lawyer shows up. It doesn't cost any money to have a default denial policy and saves millions.

works for health care providers. deny then let the survivors sue.

Same case goes to the same court too many times and you are gonna raise eyebrows.

They broadly decline it for BS reasons betting that most people don't know it's illegal and/or won't try to force them to follow the law.