I generally try to minimize insurance except for the "holy shit" scenarios. Get as big a deductible as you can stomach, since even if insurance works exactly as it's supposed to, it's a long term financial losing proposition. For your pocket book and sanity, it's best to have to deal with them as little as possible
I mentioned this before in another thread, but my grandmother had cancer, and was several years free (enough to be considered fixed), and docs gave her the green light to spend the winter in Florida. A different cancer came, and ended up getting flown back to Canada on a $37k US air ambulance. (on insurance co's recommendation vs treating her in the US)
Anyways, while everything was getting settled, the $37k claim was denied. The doctors said it wasn't pre-exisiting, but the insurance company said it was. Then it was a huge issue of dealing with doctors and lawyers, and heaps of added unneeded hassles and cost on top of dealing with the rest of her estate. Eventually got the money though.
As AneroidOcean says, even faced with opinions and documents from professionals who deal with this stuff for a living (police, doctors) they can unilaterally just ignore it. If you owned a building, and an engineer said it was unsafe, and you ignored it because "you know better" you'd be liable as fuck if it collapsed.
I mentioned this before in another thread, but my grandmother had cancer, and was several years free (enough to be considered fixed), and docs gave her the green light to spend the winter in Florida. A different cancer came, and ended up getting flown back to Canada on a $37k US air ambulance. (on insurance co's recommendation vs treating her in the US)
Anyways, while everything was getting settled, the $37k claim was denied. The doctors said it wasn't pre-exisiting, but the insurance company said it was. Then it was a huge issue of dealing with doctors and lawyers, and heaps of added unneeded hassles and cost on top of dealing with the rest of her estate. Eventually got the money though.
As AneroidOcean says, even faced with opinions and documents from professionals who deal with this stuff for a living (police, doctors) they can unilaterally just ignore it. If you owned a building, and an engineer said it was unsafe, and you ignored it because "you know better" you'd be liable as fuck if it collapsed.