I think my insurance is trying to scam me so I'm not going to pay my bill.
What are they doing that makes you suspicious of them?
I just don't trust them so I'm not gonna pay!
If you think there is an issue, then you should contact their customer service and talk to them. If you think it's a bigger issue than that, you should contact a lawyer. Otherwise, you need to pay your insurance so you have coverage.
Fuck you. I'm taking this to court.
If you really think there is something underhanded going on, then taking them to court can be a good idea. You should contact a lawyer though and talk to them since suing a company can be very expensive. Make sure you know what you're getting into before going through with this.