The only times I've ever made insurance claims are when somebody hit my stationary, parked vehicle. And each time, their insurance has tried to pull funny business.
Once was somebody hitting my Miata in a parking lot, did enough damage to make it not driveable, and they wanted to go 50/50, since "nothing is ever 100% in a pakring lot"
Second time was somebody backing into my BRAND new Ducati 1098 superbike. Took me six months to get the bike back from insurance hassle and getting parts from Italy (yellow was an uncommon color for only one year).
