Ever been duped by insurance companies?

Laying in bed last night I was thinking about how often we read about insurance companies not doing the right thing by their customers.
A few years ago I had a car crash which saw my vehicle totaled.
Surprise, the insurers agreed to pay $13500 on my written off Toyota Rav4. I paid $14000 plus add ons.
They also agreed to pay the residual still owing. About $4000.
So though I needed to buy another car, I had no debt hanging over my head.
Do you have any good or bad Insurance stories?

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DeWayfarer · 61-69, M

Oh yes. My 2006 trailblazer by lady going in the opposite direction. It got totaled and I got nothing.

They said that I was going too fast... when I was traveling behind a firetruck. The firetruck driver couldn't be certain that it was me. I was quite a ways behind him on a windy road and he didn't see the accident.

You don't drive close to a firetruck though. Not during fire season.

Spoiledbrat · F

@DeWayfarer That sounds bogus.

DeWayfarer · 61-69, M

@Spoiledbrat well let me put it this way. The lady had to be going thirty five miles an hour on a twenty mile an hour curve. We both ended up in the ditch on my side of the road.

Insurance always assumes you're going too fast. In a no fault state you get nothing if you can't prove it! Proving it costs money on the spot before it gets towed.

Spoiledbrat · F

Once our insurance company tried not to pay us because our car got totaled and it wasn't our fault. We had to push it.

Gusman · 61-69, M

@Spoiledbrat They will try it on. One has to be persistent and never give up.

Spoiledbrat · F

They had to pay us 20k for it. We miss it though. I would have rather had my car back. @Gusman

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