"But if the claim is straightforward, obvious and well documented, they will pay out unless you are dealing with unscrupulous insurers." I think this a fallacy

"But if the claim is straightforward, obvious and well documented, they will pay out unless you are dealing with unscrupulous insurers." I think this a fallacy (unless most insurers are unscrupulous). It is very common for insurance companies to reject the claim initially and hope you'll go away.