My cousin chose a smaller insurer than PZU (I think Warta) and when he had an accident they tried to wiggle their way out of paying siting various paragraphs and technicalities.
I hold it againat Balcerowicz that he chose to privatise the way he did by effectively destroying and/or giving away Poland's industrial assets foreigners for a song creating double-digit unemployment. All that energy should have been directed at creating a Polish National Capital Consortium comprising public and private assets. Back then (early '90s) there were still considerable: collieries, shipyards, refineries, KGHM, salvageable/modernisable manufacturing facilties, etc. plus incentives to attract Polish private capital. Such a consoritum would have had a human Polish face which would have to reckon with people's needs. Foreign hard-nosed capitalists see Poland mainly as an exploitation site. Poland could have saved its automotive industry, because when Daewoo collapsed such a capital consortium could have bought out their Polish-based facilties.