I am one of the honest people who doesn't try to cheat the other person if the accident is my fault or my insurance company.
I have even avoided claims on my homeowners because I didn't feel it was honest. Like when my roof needed replacing from age but roofers kept wanting to charge it to my insurance.
Still, I can talk for hours about all the insurance snafu's in my time.
They all boil down to 3 things.
Discount insurance companies.
State Farm
Allstate
If it were not for them I would never have had had insurance problems.