Let me short form what happened in my own legal case.
We had an accidental fire in my husband's studio. It occurred mere minutes after we returned from a long trip. Everyone agreed it was an accident. The investigator. The fire department. The evidence.
My insurance company then attempted to say it was arson, based on the fact that there were volatile chemicals and oil in the carpet. (IT WAS AN ART STUDIO! ARTISTS USE VOLATILE CHEMICALS AND OIL! AND THEY SPILL A LOT!) Completely ignoring the fact that their own investigator found it was started by an electrical short.
We had to sue. A year later, increasing depression (I was popping 3 prozac a day, my husband was popping 4), being told Larry's damaged drawings and paintings were "worth nothing", and having had the insurance companies lawyers read the gay "sex scenes" from the Herald-Mage books into the pre-trial record (I am not making this up. And I had to answer yes or no to whether I wrote them--it was obvious they were going to actually use these scenes as an attempt to prejudice a rural Oklahoma jury against us) and bring up every book or story I ever wrote with "Fire" "Flame" or "Burn" in the title as evidence that I was a pyro (I am not making that up either) we went into arbitration. We ended up getting back about half of what we had spent on rebuilding the studio and cleaning and saving what we could. Which means, essentially, we were now deeply in a financial hole, as well as a psychiatric hole.
This was the outcome with a solid case. This is why I would only advocate a class action suit where there was some kind of evidence that we could win...the "no refunds" might, maybe, barely, have had a chance, and NCSoft took care of that by offering refunds. So right now, I stand with the legal eagles in saying "For Godssake don't go there."
