You only ever seem to hear complaints about travel insurance companies and that we're a bunch of cheating lying thieves. Well, we thought we'd open the lid on a little of what we do and tell it as it is from some of the people we have helped.
I was crossing the street in Jerusalem, Israel when a police car moving 80 km/hr flew through the cross-walk and hit me. I flew 10 feet into the air and landed on a metal pole in the middle of the traffic island. The ambulance came right away and took me to the emergency room. 
Jerusalem, Israel