We pay our insurance premiums on time for months, or even years! When we are involved in an auto accident, we expect that the insurance company of the driver at fault will make things right. They will pay to repair our vehicle, pay for medical bills and other losses as a result of the accident.
While many cases can be easily settled, others cannot. Insurance companies deny all or part of your claim. Maybe they try to underpay your bills or outright deny valid claims. Or even take weeks to process your claims.