The only thing I know about the legal system apart from the Golden rule that it is best entirely avoided all together is that it's a game. It's NOT about the truth or whats right or fair or decent or anything else.
It's merely a set of rules that Lawyers bend and twist and manipulate to get the outcome they want and will do anything within or outside of those rules they can get away with to achieve it.
It's not about the truth or fact or what you know, it's about what you can prove and are allowed to admit as evidence. 100 people can witness something but if they are deemed inadmissable as witnesses in court and you have no other way of proving anything, Your screwed.
Apologies to anyone that thinks the law and legalsystem is about truth, fact, decency, morals, justice whats right or fairness, but you are dangerously Naieve and hoplessly ignorant to the reality of this world.
As for insurance companies, they are the most low down, sleazy, dishonest pack of blood sucking con men in the world. After polititians.
An uncle of mine was a director of an insurance company and his often stated assesment is " The first thing insurance companies do when you make a claim is look for a way out of it. If there isn't any way too straightforward then they decide if the cheaper out is to pay or fight it. Now the tactic is to stretch out any claim as long as possible with apparent incompetence so the claimant gets fed up and drops it so they can just get on with their lives".
Insurance companies deny completely just and moral claims every day on the most insignificant technical grounds when the truth and fact they should pay are clearly known. This is where the law comes to their advantage, they write policys with such complex conditions and disclaimers that there are a 100 escape hatches for them to open, none of them being about the truth or fact or any other logical standard of decency a Naieve person may expect.
The idea of taking the moral high ground and fighting against those that will use the lowest of tactics and ploys is also Stupidly ignorant. That will get you beaten every single time but if people think they won when they get their arses handed to them because they ruined any chances of winning because they Stuck to their lofty morals, Congradulations.
No doubt the other side will be well pleased with their win as well which will be a lot more financially tangible than your percieved victory.