I can count the number of times I've been put into an empty server on one hand. The game has a pretty dedicated playerbase.
That said, I completely agree with the notion that time restrictions don't really make sense right now. The game is far too buggy in it's current state to really make the insurance claim times make sense and the developers seem a little out of touch on that. They have actually tried to increase the wait time several times to massive outcry from the community. I really think they would be better served cutting the grind down a little bit while they iron out the game.