Insurance coverage

I took out car insurance with Pineapple in November 2023, believing they would provide adequate coverage in case of an unfortunate incident. Unfortunately, in December 2023, I was involved in an accident. I promptly submitted all the required documents as per their claim process. However, to my disappointment, I was informed that my claim would not be paid in full because I had not taken pictures of the vehicle prior to the accident.

I understand that insurance companies have protocols, but this response feels unreasonable. We purchase insurance precisely to cover unexpected situations like accidents, not to have claims reduced due to technicalities. While I do not expect insurers to cover reckless behavior, denying a claim for not having pre-accident photos seems contrary to the purpose of having insurance in the first place. It raises questions about the true value of the coverage being offered.