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Quite often, Australian’s have the perception that insurers are always looking ways to escape paying out on claims. However, in 2016 alone insurance providers paid out over $9 billion in claims, $3 billion more than the previous year and was the 11th straight year of increased claims (riskinfo.com.au). That figure equates to over 60% of total premiums dollars paid back to the insured…. In addition to that, in their industry-wide review last year, ASIC found just over 90% of claims were paid in the first instance. The small fraction of claims that were disputed primarily due to a lack of evidence supplied to insurers about the claims (On a side note, in the same review, ASIC also found claims