Finding any excuse not to pay out.

Last month one of guy insured by outsurance had his trailer come of while driving and colide with me and do emence damages to my bakkie, now they are declining to pay out for my damages becuase "they say its a technical fualt that it came loose" *** Stay the hell away from this joke of a company. This is not the 1st time, i have heard loads of stories from friends.clients and family where they come up with joke excuses not to pay out. now i have to go to a lawyer to take this further and this is gonna cost even more.