Many, many years ago.....way back when I was in high school, I had State Farm. During a big snow storm I was involved in a multiple car pile up. One of the cars I hit had already come to a stop after it had gone off the road and hit a stop sign, doing damage to the front end of his car.
State Farm agreed to pay for the damage I had done when I slid on the ice into the side of his car but refused to pay for the damage already done when he hit the stop sign prior to my hitting his car. He sued for more money.
My father had worked for the old Life and Casualty Insurance Co (now part of American General) for the better part of his life and pretty much expected that, on such a small claim, State Farm would just roll over and pay the claim. They didn't. They let it go all the way to court and, in the end, there was a law on the books that stated just sliding on ice was not cause for liability. It was shown that I had done nothing to cause the accident and therefore there was no liability. They hired an attorny who apparently had told them a good story and suspected that State Farm would pay up rather than go to court. He was wrong. The judgement not only was for the defence but, the judgement was for $0. Not only did they not win but they lost the money State Farm had agreed to pay them in the first place.
To this day I've respected State Farm for not allowing lawyers to black male them into paying unjust claims by threatening to cost them even more in attorny fee's and court costs.