How does the ambulance know where my insurer wants me to go? For that matter, why is it the responsibility of EMT's to, whilist driving at high speed through traffic and attempting to keep my organs in my torso, go through my insurance info and figure out which hospital I should go to and potentially risk both my and their safety with a longer trip, to respect the wishes of a corporation which barely knows I exist?
How about instead, we just fix people? And figure out the rest of the BS later?
That's a pretty bad straw man argument. Of course you have to pick an insurer before the accident happens otherwise it's not insurance.