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Aviva had offered to settle his claim for £350,000, but he insisted on fighting for more in court even after his lawyers withdrew from the case.
Mr Kovacic, who represented himself, told the High Court in London that the undercover footage was 'unrepresentative' and did not show him on his 'bad days'.
He was also seen walking without a stick and carrying heavy items.
However, he did use his stick, and appeared to limp and get in and out of a taxi with difficulty, while attending an appointment with a Harley Street medical expert for the defence.
Artist and teacher Stanley Lewis, who died last year at the age of 103, painted every single day for 84 years.
Yet despite his remarkable talent and prolific work ethic, the first major exhibition of this little-known artist is yet to be held.
In his judgement, Mr Justice Spencer said Kovacic has two daughters aged eight and ten and he noted that his wife had been diagnosed with cancer in 2013 and was due to meet a consultant for her next appointment in December.
A respected academic and authority on French 20th-century theatre, she was also a talented dancer and musician as well as a champion fencer.He insisted that he could not return to his job or achieve his ultimate career aim of training to be a social worker.But Judge Bidder said the odds against him only having been filmed on his 'bad days' were 'huge'.'I am satisfied that having regard to the seriousness of the conduct for which you have to be punished and the importance of deterring such conduct in the public interest, it would be proportionate to pass upon you a short sentence.' Justice Spencer added: 'In all the circumstances I am just persuaded that it is not necessary for you to go to prison immediately.Instead I am prepared to suspend that sentence of three months for a period of 18 months, on condition that you commit no further contempt of court, and that you pay the fine I also impose which is a fine of £10,000.'In earlier hearings, Kovacic claimed he had suffered life changing injuries after Mrs Wroe's car crossed the white line on the A422 near Newport Pagnel in March 2010.