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this post was submitted on 28 Jul 2024
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No Stupid Questions
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No such thing. Ask away!
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Car insurance isn't efficient nor effective. It's a complete ripoff.
Go file a claim, see how much grief they put you through. Every claim I've ever made, I've had to file a complaint with the state insurance regulators to get my insurance company to reimburse me (and I've never been at fault).
Insurance is the problem for both cars and health. They artificially inflate pricing for both, because they get to determine what is paid and at what rates (especially for health care).
It's why you hear stories of things like tylenol at the hospital being $10 a pill. Since insurance may only reimburse the hospital at 10% of the filed claim, the hospital increases the cost 10x. (It's more complex that this, it's why medical coding is a specific job now, finding ways to code things to get sufficiently reimbursed).
My sister lives in British Columbia, and from what I've heard, they have single-payer provincial government run car insurance (in addition to health insurance like the rest of Canada). It sounds awesome.
Now I think of it, it's odd that British Colombia is nowhere near either Brittain nor Colombia
I have made two claims with my insurance and they paid without any pushback. I think that's just your insurance company. I would highly encourage you to name and shame.
Yeah I've also had 0 issues with my insurance the two times I've used them.
Hell when I went to a repair shop I insisted on only OEM parts and the guy there said insurance typically wouldn't replace that part OEM. But when I asked them about it they said they were happy to keep things 100% OEM.
I also had to get the state involved when the insurance agent just wouldn't return my calls
Might be your company, I've had 3 not at fault and 1 at fault accident and I've never had any issues with the insurance company paying out. In fact, my insurance has always been super chill about it, and the two not at faults that involved another driver both had the opposing insurance company tried to screw around to get out of paying.
A number of states have moved to 'no fault' insurance, with the claim that it would save everyone money. Surprise, insurance rates go up, sharply, and insurance companies end up being less responsive to claims.
How do you file a complaint? I had frame swap that cost almost 20k a couple years ago after getting rear ended and my insurance said the diminished value was only 60 bucks. I never even cashed the check I was so pissed.
I agree that insurance companies are a scam, but it sounds like you had the work done before repairs and shops were agreed on? Insurance companies generally work like that..
I did not. I went to one of their “approved” shops and they paid them directly.
I also have to say I've had only good experiences with my current insurance provider (Amica) but I also pay a little more. My mom got an at fault accident in my car she borrowed when her car was in the shop and it was handled without complaint nor did they raise my rates.
But you're still right about a lot of others. I'm almost certain GEICO or Progressive would have raised mine. I wish it was regulated such that my experience is the mandatory norm.