Almost everyone can tell of a story that they heard (or experienced themselves) where there was a car accident and the insurance company did not pay out for the repair or replacement of the insured vehicle or they paid out way too little! Now we know what the first things everyone says are: "Why should I pay insurance if they just look for reasons not to pay out when I claim?" "All I need is third party cover!" "Insurance companies just do what they want!" This is not the cas