Huh? I certainly expect my car insurance to pay out. I expect them to pay the minimum they can, which for collision insurance means "not quite enough to actuall

Huh? I certainly expect my car insurance to pay out. I expect them to pay the minimum they can, which for collision insurance means "not quite enough to actually replace my car", but I expect them to fully cover any liability I might have, up to the limits of the coverage I bought. Actual experience has borne out these expectations.