It is important to remember that an insurance company makes money when it does not pay out on a personal injury claim. You should always keep in this in mind and never forget that the insurance company is not your friend. Not in Virginia Beach, Norfolk or Chesapeake. Not in Kitty Hawk, Nags Head, or Corolla. Other factors that may influence the insurance company's willingness to pay out on a claim is if liability is contested by the defendant. Learn more by watching this video.