I don't know why people even bother with them? If they can bullshit you with reasons why they can't insure you, what makes you think its going to be even better with a claim?
I know Wayne got f**ked when someone reversed into him. They ruined the side indicators on the quarter panels then when his headlight got moisture in it they blamed it on age, even though the other side was fine nor was it leaking water into it before the accident. So they refused to fix it. Bullshit.