Quote Originally Posted by angrybear View Post
"If's, but's & maybe's" is a common phrase in the English language, for people who quote 1 or 2 examples & think that proves their point against something that works for the majority of people.

Normal as an example might be a miss, ricochet or through & through that puts a hole in a shed roof or the shed wall & maybe hits a vehicle, person or livestock the other side.

As for settling irrespective in my book that's what insurance is supposed to do

But this is now dragging the thread way off line
Maybe, but it's important people know what they are buying. There's a reliance on insurance and even with the examples you give there's reasons why there could be no payout and why you might not like the settlement because of the ramifications it might have on you. The best advice is really look into what you're buying and what it ask you to do in order to be covered.