Sometimes you'd think the bear was sitting in the insurance office – grumbling, shoving papers around, and saying, "Not covered." But behind this "bear" there's often nothing but excuses, misinterpretations of contracts, or simply laziness. The fact is: many claims are rejected even though they are covered .

Typical traps:

• Water damage: Burst pipe? Insurance company refuses to pay out because of the fine print.

• Car accident: Liability unclear? Claims settlement delayed or rejected.

• Defective device: Wear and tear argument, even though the policy or warranty pays.

Here's how to fight back against the bear:

1. Know your contract: Clarity about coverage and exclusions.

2. Document everything: photos, invoices, witnesses – completely.

3. Stay persistent: Giving up is expensive.

4. Seek expert advice: real estate agent, lawyer, consumer protection agency.

💡 Tip: Knowing your rights and gathering evidence gives you the upper hand. Don't be intimidated – your loss is your right!