Insurance companies may refuse to make payments in cases where the insured person is not covered by the policy or has unjustly claimed compensation. Violations of policy terms, such as the insured intentionally causing damage or providing false information, can lead to the insurance company's escape from the responsibility of paying compensation. Additionally, events such as natural disasters, war, and terrorism that fall outside the scope of the policy may also be considered reasons for refusing compensation. In the event of a denial of the compensation claim, the insured person has the right to consult a lawyer to assess the situation and, if necessary, to pursue legal action.