My in-laws had a housefire a couple of years ago, and they live in the boonies outside of a small farm community.

The volunteer fire department handed them a bill afterwards and told them "give this to your insurance. We only want what your insurance will pay so don't worry about it if they only pay part or don't pay at all"

Its a dystopian racket, but at least its pulling a bit of money from the haves to get it to the have-nots and helps sustain a vital service to the community