My friend was a claims adjuster for State Farm. He would get dinged if he didn’t pay out what was promised in the contract. That wasn’t his problem. If losses were too high the actuaries got dinged.
I’ve had cars totaled and payouts exceeding the value of the car. (I’ve also fought and gotten +50% what was offered from other insurance companies)
When I had cancer, there were a few times the hospital had to get things approved. Eventually they just got the entire treatment plan approved instead of one off approvals. It wasn’t too bad.
If your insurance company doesn’t want to make good on your claim, find a different insurance company and stop buying the cheapest insurance you can find.
Depends on the insurance company.
My friend was a claims adjuster for State Farm. He would get dinged if he didn’t pay out what was promised in the contract. That wasn’t his problem. If losses were too high the actuaries got dinged.
I’ve had cars totaled and payouts exceeding the value of the car. (I’ve also fought and gotten +50% what was offered from other insurance companies)
When I had cancer, there were a few times the hospital had to get things approved. Eventually they just got the entire treatment plan approved instead of one off approvals. It wasn’t too bad.
If your insurance company doesn’t want to make good on your claim, find a different insurance company and stop buying the cheapest insurance you can find.