I’d be fairly confident that you would have heard of at least one case of insurance companies getting out of paying for a claim in the case of an accident. Realistically, this happens a lot more than people realize. Insurance for your four wheel drive comes under the policy that you sign, which happens to include a number of things in the fine print that can be a problem. For example, if you have modifications done to your vehicle that are not legal (regardless of whether you know about them or not), the insurance company can refuse to pay out your claim. Of course, they usually have to prove that the modification contributed to the accident, but it’s the sort of problem I am sure most people would want to do without.