The car reflect the owner?

At some point people are just going to roll the dice on this bullshit. If they aren't gonna pay out when they should why are we even paying them? This seems incredibly criminal to deny payment while accepting increasing payments.

The figures don’t mean insurers rejected nearly half of otherwise valid claims. Claims can close without payment because another insurer covered the loss, a customer withdrew the claim, damages fell below the deductible or the loss wasn’t covered by the policy.

You can't just say this shit and then just dismiss it:

Still, the increase suggests motorists face greater scrutiny when seeking compensation for some of the most complicated and costly types of auto claims.