It really irritates me when I hear people talking about how insurance companies try every way they can to screw people. The truth is that they try to pay for exactly what you and they agreed that they should pay for in writing--nothing more, and nothing less.
When you buy an insurance policy, it is extremely specific, and is in writing in black and white. It says that in exchange for you paying them X amount of dollars, they will agree to cover either (depending on the type of policy) the replacement cost or the actual cash value (essentially the cost to buy a new one verses what your used one was worth) for certain things or items A, B, and C, but only if they are damaged by certain things or in certain ways 1, 2, or 3.
You pay them an agreed amount to cover specific things damaged in specific ways. 99.9999999999% of the time that people b!tch about how an insurance company "screwed" them, the reality is that they were actually trying to get the insurance to cover something extra that was never agreed to in your contract (the policy), and for which you never paid any premiums for.
Essentially you are trying to get something for nothing, a service you never paid for. My guess here is that you are upset that your AUTO insurance did not cover your CD's, even though they are not an AUTO, and are not a part of an AUTO. Does that sound about right? CD's are personal property, and you get your personal property covered by homeowners or renters insurance policies (subject to your deductible of course). Auto policies cover autos.
If that wasn't why they denied your claim on the CD's then please elaborate, and my apologies in advance if this was one of the .0000000001% where they actually attempted to not pay for something that they clearly should have per your policy (which they rarely, rarely, rarely, rarely do because it is called "bad faith" in the legal world and comes with massively SEVERE punitive monetary damages were you to take them to court--it is far, far cheaper for them to just pay all the claims they owe). And to tie this whole thing into the thread, it is no different than if Earl had only run 5 racks and then missed, and said "well I ran half the amount I was supposed to so I am entitled to get paid half the money by the insurance company." No, you're not, because that wasn't the coverage you agreed to or paid for.
I must be one of the unlucky 0.0000000001% (I wonder where that number came from, the same guys who calculated the chances of running 10 racks at 7.8 million to 1?), but I have been on the bad end of four auto claims where they attempted to screw me, so I must have one of those clouds of misfortune that follow me around everywhere I go.
The first time was after a car slid down a snowy hill and hit me at high speed, almost killing me and my family. The car was a piece of junk, but it was my only transportation. The insurance for the woman who hit me offered $333 for my car and sent me a check for that amount. I was livid, but they wouldn't budge, saying if I didn't cash the check they would put a hold on it and I would get nothing. I called my sister who worked for a lawyer, who referred me to another guy. They sent a guy out to take pics (my wife's face was pretty cut up and my infant son had some facial contusions).
I showed him the check and he said not to cash it, but to give it to him and wait to hear from them. Three days later I got a check for $1200 - more than the car was worth. All I wanted was another car to replace the one that got wrecked, but the case developed a life of its own and we ended up settling for $25,000 in total damages. My end after lawyer fees was $16,500... which was just enough to buy the stock to start my musical instrument repair business, which I run to this day. They did duck out of further compensation for my damaged knee (which still hurts to this day, 30 years later), but all in all it was a pretty nice score..
Danny 1, Ins. Co. 0
One fly-by-night company refused to pay a dime when my '78 BMW got creamed by a drunk, saying the car was too old to have an evaluation from their charts. That didn't stop them from collecting a few $K on collision payments for the previous five years, however.
Danny 1, Ins. Co. 1
The next car I got was a decent Subaru wagon that got totaled by a guy eager to spend the money he just won at the Saratoga Racetrack and ran a light. The car was worth over $3K, but the insurance company spent down every rust speck and scratch they could find, getting their valuation of the car down to $588 dollars. I had a $500 deductible, so they only had to pay me $88, but they screwed me on that as well after going under from the claims they had to pay after Hurricane Andrew struck Florida. I filed a claim with the State of New York to collect the $88 for me, but they let it sit for over a year, after which time they informed me that the one-year statute had run out (their fault, not mine) and I was due nothing.
Danny 1, Ins. Co. 2
The last time I had dealings with an insurance company was two years ago when my truck caught fire and burned up. The KBB on the truck was over $5K, but they said it was only worth $2400 because of previous damage (again, in the form of rust spots and paint fade), but this time I got them. I squawked and screamed about how they were screwing me after so many years of doing business with them (Allstate), and the claims adjuster said "she would see what she could do about it". The next day I got a call asking if $3700 would be acceptable. I was fine with this since I only paid $2200 for it from a broke college-bound student who had to get rid of it in a hurry.
Danny 2, Ins. Co. 2
Short of it is, always fight them. Their first inclination is to not pay, or to lowball you at best.