KNOW FOR CERTAIN that an insurance company has not paid out to a victim in an accident?
I'll tread lightly here, 'cause I'm not an expert, however...
Insurers might refuse to pay out the hull portion of a claim if the owner was found to be in violation of any of a number of requirements for legal flight. They might also pay out a third party claim, and then sue the owner, or other "negligent" insured party, for what they had payed out to the "victim".
All in all, best to not have the insurer turn on you, when you've had the accident, keep everything in order.....