Didnt work like this in the case I had a connection with. The car had passed the CT on the previous occasion, fitted with American Style headlights that dipped straight down instead of to the right. This year the rules had tightened, or at least the CT station's rules had tightened. Now the headlights had to dip to the right. The CT inspector said the insurance should cover the new lights. The insurance Co was contacted, situation fully explained and a quote was requested for the new headlights. This was duly passed to the insurance comapny, was accepted. The work was done, bill submitted to the Insurance and a cheque received by return. All very proper, no fraud, just the way things are done..Also it seems, some insurance companies actually like to pay out occasionally. I have found that with household claims here. We had an electric blanket fire and of course we didnt have receipts for the matress that was at least five years old. The insurance company huffed and puffed and took ages to make up their minds but eventually sent me a payment that more than covered replacement costs. Thus they kept my goodwill and my business and I go about saying nice things about that particular company. It's different here, thank God!