I deal w/ insurance companies all the time (shipping, freight, transport, health for my crews, etc) and they are ALL experts at collecting premiums and experts at making claims into nightmares. The "nightmares" are intentional steps to prevent having to pay claims that they can weasel out of. Many people settle for less, just to be done with the whole incident. They actually have people who are paid to say "NO" repeatedly to claims. Especially these little "fly by night" f'ing insurance cos.
Remember: Insurance companies make money by not having to pay out. They're like "inverted bookies" -Bookies pay out to winning bets, Insurance Cos pay out on a losing bet.
