There are several reasons why an insurance company does not pay. The decisive factor is ultimately whether the non-performance of the insurance is justified or not.
Are you accused of a violation of a duty? Sometimes the damage caused by the insurance policy is not covered or there is underinsurance or the damage has been reported too late or has not been adequately documented. But other reasons such as deliberate sluggish regulation of the insurer occur again and again.
We can help you professionally: ask us.