Insult's are used, purely to put you on "tilt" they hope to upset you and get under your skin, so that you make mistakes, but I just ignore them and get on with playing the game, there is nothing better than taking a bully out of the game, and insults and fowl language are just a sign of a low intelligence.
They cannot think of anything intelligent to say so they resort to insulting other players, I am lucky in that I am a big guy, and people usually think twice before they upset me in a Live game so I rarely come across things like this, On-line however they feel safe, sat at home smashing the insults out on the keyboard, but in reality they are just big Coward's and Loser's.
When the fun Stops, STOP!