Errrrr.....It's been my experience that insurance companies don't have much mercy or forgiveness, so I would expect the worst. If they can find a way to make you pay, they will.
A woman here in Seattle was breaking up with her boyfriend. The boyfriend went bonkers and rammed his car into hers, crippling her permanently. She was self-employed and now she can't walk so she can't make a living.
The insurance company told her that they wouldn't pay her anything. They claimed the car accident wasn't really a car accident- they said she was "the victim of a crime" and so they owed her nothing. Tra-la-la! Cute, huh?
The insurance commisioner here stepped in and made the insurance company pay up, but that's just one example of how they'll try to weasel out of paying for anything if they can.
Just remember: Insurance companies are NOT in the business of paying claims. That's not what they're all about. Their entire business model revolves around the principle of not paying claims.
