I am pretty young and have never bought any insurance, but am currently shopping for some. Since I hear relatively many "insurer didn't pay" stories (often bec

I am pretty young and have never bought any insurance, but am currently shopping for some. Since I hear relatively many "insurer didn't pay" stories (often because of a weird detail), I don't have much trust in insurance and do place a lot of value on actually understanding what will be covered. I'm still a fan of a good deal, but confidence in reliability is a pretty important part of the features, no?