Kinda reminds me of a life lesson in the movie "Bronx Tale". Guy1 owes another, guy2 $10 and the guy2 keeps chasing guy1 around the city trying to get his money back, till someone tells him, "stop, you got off easy, its only $10. That guy will never bother you again or ask you for money again, so take it as a win."
Insurance is one those things you pay all your life for, no questions asked, all is fine, they take your money. And as soon as you make a claim or something happens, they never want to payout or help, just fight you on everything if it cost them any of your money.