ORIGINAL: ShatoDavis
But, from my experience with other insurance I would say that they will fight tooth and nail to try and not pay if you have a claim. Then they will probably cancell your policy after you don't give up and make them cough it up.
Insurance companies want you to pay your premiums and never ask for anything back. As you can probably tell I hate Insurance and think that they are a bunch of thieves. Spend your money on a 12 inch conrete bunker to store your valuables at least you'll get something for your money other than empty promises. Man I'm cynical, aren't I!
That's a common misconception coming from people who see one side of the issue.
Most of the time, the people who get the most upset about their claims are the ones who have never bothered to read their policy. They think that because they pay money for insurance, they are entitled to hit the jackpot when they turn in a claim, no matter what the actual circumstances are. The policies typically spell everything out in great detail as to what's covered and to what extent it's covered.
That's not to mention the 'extras' that people like to tack on to their claims. Like the ones who say their radio no longer works after their rear bumper got tapped at 5mph. Or their transmission is now slipping, etc.
Insurance generally boils down to documentation.The policy documents what is/isn't covered, andfrom there, it's up to the individual to document their damages.