Extended legal battles were the last thing on Tim Leonard's mind when he went to his job as a construction worker on June 14, 1996. But everything changed on that sunny day, when a safety bar gave way and Leonard plummeted 22 feet onto a concrete slab below. When you buy insurance, you're paying for the peace of mind that if anything were to happen to you, your family or your most valuable belongings, at least you'd be covered financially. But what W5 has uncovered in its investigation into the insurance industry may shake your faith in how protected you are.