Everyone should remember it is the job of the insurance companies to avoid paying any money out and increase the money coming in.
Insurance companies are insured themselves to cover large payouts to large policy holders.  Small policies,such as car owners or householders, are not the bread and butter for them, merely a source of income.
The detail is always in the small print, the very small print, and failure to fully understand that small print is almost always the reason for non payment. That is the insurance companies get out of jail free card.
I have never made an insurance claim, thankfully, and as the insurance companies still use foolish protection as Act of God I only buy insurance which is required by law. Everything else I pay for myself with the money I saved by not paying insurance companies.
In the U.K. now there are 2 in 5 motorists with no insurance so I always check the small  print to ensure cover includes damage from non insured drivers, but there are always loop holes for clever companies.
My son, driving a lorry, had a car swing across the road directly into the front of his lorry in a suicide bid.
The car driver acheived his aim and was killed on impact and was also 5 times over the drug drive limit with cannabis. It took 2 years before the car drivers insurance accepted liability.
My sons legal team estimate another 2 years before the case will be settled. Luckily my son learnt to walk again but has never been in a lorry since. The insurers now are trying to avoid the future loss of earnings payment which is substantial for a 40 year old proffessional driver.
It´s nice  to know that at least one company will be paying out.
Rant over.