You will receive many tips that will help you when dealing with insurers - from the consultation to the contract signing and up to the claims reporting. Openness and transparency are the foundations of trust. However, this statement does not seem to apply to insurers. Insurance companies suggest a serious and quick processing of claims, providing security for customers. Yet, especially in the case of claims, insurers often reject the payment of the claim amount, particularly for large and expensive damages, either entirely or partially - sometimes with valid arguments, but often with unjustified ones as well. Concrete examples from car liability insurance illustrate the tricks that insurance companies use to minimize or completely deny payments in the event of a claim. The behavior of the ADAC towards its members is also addressed.