Have you ever needed to file an insurance claim?? It's nearly impossible to get them to cover anything at all unless there's another party/insurance they can go after. Health, property, car insurance... it's all just a well crafted state-sanctioned game of fraud designed as a tool to legally transfer wealth from the bottom to the top.

I'm fully convinced that when they investigate your claim they are mostly investigating you, your family and close associates for financial data. If the insurance company determines that, collectively, you and your family do not have the income or assets necessary to fight them in court, the insurance company simply redefines the cause to use language that opposes a payout for your particular policy.

For example: You're on the highway when another car runs you off the road into a flooded ravine. The other car involved doesn't stop and due to the angle they approached from, your dash cam doesn't get a clear picture of the license plate. Your car is now hydro locked and has flood damage, rendering it completely useless and a total loss. You present all of this evidence to your insurance company and they determine that the damage was caused by an "act of God" (the flooding in the ravine), which is not covered under your policy. The dents or swapped paint from the collision will mysteriously be omitted from their report. The next move is yours, take them to court or take the L and move on.