What???? Don't believe that for a minute. I bet you either work or used to work in insurance.
You're right, as I have posted previously, part of my career was in insurance, for a large insurer and as an untied broker, that's how I know what I am talking about.
The figures that I quote are accurate; insurance claims statistics are widely available for those who care to look (most don't want to) but it's funny how all those who dispute the available statistics can't ever come up with opposing statistics to back their cynicism - hearsay and anecdotal tales are not stats representative of the whole industry. If the figures were the other way around, 90% denied and 10% paid, as most AN poster like to fantasise, there would, obviously, be no insurance industry as no one would ever buy any policy.