Do you really understand what insurance is? The common perception is that insurance is something you are either forced to have or you take to hedge your losses. Therefore most people obtain insurance begrudgingly. They feel like they have not gotten their monies worth without their company pays them something back.
Now let me tell you what insurance really is. Insurance is western civilizations answer to socialism or communism. In a socialistic or commune society the responsibility of the welfare of the individual is pooled by the entire society. It works great on paper, until you do the long math. When your income is taxed to pay your share of society's debts, the government is charged with administering this task and everyone knows governments are inefficient and can never run as well as companies. Governments have bureaucracies, companies trim the fat.
Paying money to an insurance company and pooling it with other policy holders is for your benefit and if you never have to use this benefit you will be better off in the long run. If you put in inflated or fraudulent claims you are just going to cause yourself and everyone else to have a rate increase. That rate increase is going to make someone else feel like they "have to get something for their money" and do the same thing as you. Rates will get higher and higher as we have seen them do in the past. This is called insurance inflation. If people only put in the claims that were necessary, rates would not go up or they would only go up nominally after periods of higher natural disaster, and they go lower after periods of normality. This is because insurance is actuarial rated based on very sophisticated formulas and statistics that take potential losses into consideration way before they ever happen.
An insurance company knows that during times of economic recession, claims start to rise. Everyone thinks they are the first to invent some kind of scheme or idea to make money from their insurance company. The truth is there is an old saying that pre-dates (although it mentioned in) the first Biblical books that says "there is nothing new under the sun."
The best way to get money back from an insurance company is by not paying too much in the first place. There are thousands of companies to choose from and that fosters a lot of competition. Competition breeds lower prices, you just have to look for it. Shop your insurances out very thoroughly every year. To make it easier, call on independent agents or brokers that represent you and do business with many different companies. Make sure you are only getting rate quotes from A rated carriers or better and make sure your coverage is quoted "apples to apples." Companies that are not complacent to the type of fraud I mentioned earlier are apt to have much better rates than companies that just drop you after your first significant claim. Look for a company with stricter underwriting guidelines. This will put you in with better company and you will pay tens of thousands of dollars less in insurance premiums over the years. Apply this savings towards your debt and live a better lifestyle than the people what think they are smarter than a multi-billion dollar corporation and are always trying to make a quick buck on the backs of other policyholders.