Before buying your brand new car you do extensive research on it.
You look over results of safety tests, you check for certain desirable and essential features, you make sure you get what you're after.
Then, after you've had your brand new car only one month you smash it into the side of a building rounding a sharp curve at 55 MPH in a 35 MPH zone coming home from the club late one night while texting a friend about "what a great time you had".
You then call your insurance company to make your claim.  But they refuse to reimburse you for the full amount of your brand new car.  They say it's "due to your having been cited for 'reckless driving', 'DUI', 'speeding'" ...and "because there's a lawsuit pending against you by the owners of the building".
WOW!!! WHAT THE FUCK!!!
Seems you should have also done some research on insurance companies.
...and on your relationships as well.  How dare friends and relatives tell you things like "Some shrink could afford to do some 'research' on your head".