Some will fight you on 90% of the claims, rather legit or not. Others will pay immeditely to avoid any possibilty of legal action down the line.

Now if I was still working (I am not young like you Travis), you could have just given me a call. A phone call to the right company man would have settled that claim but quick.

In the future if you have any insurance problems, call the Insurance Department (now called the NYS Department of Financial Services). The examiners know just who to talk to.