I'm suprised too. But then again, I'm not. It's part of the insurance company's business model to wriggle out of any payment whatsoever - blaming someone for "the wrong tyres, void insurance" is just about as petty as we could expect from this disgustingly filthy and uncontrolled industry.
How such a magnanimous concept as insurance could be turned into such a vile and stinking business is really quite remarkable.
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