Delayed Claims Approval
A customer filed a claim after a minor accident, but the insurance company delayed approval for months. They insisted that the customer's car was “not properly insured,” despite the customer having paid premiums consistently. The company only approved the claim after the customer involved lawyers.
Denying a Legitimate Claim
After an accident, a policyholder's car was totaled, and the insurance company tried to deny the claim, stating the damage was "pre-existing." The customer had no prior accidents, and the vehicle had been regularly maintained. After months of back-and-forth, they finally got the compensation they deserved.
Underestimating Repair Costs
A policyholder’s vehicle was damaged during a storm, and the insurance company undervalued the repair costs. They quoted much lower amounts for repairs than what was needed. The policyholder had to fight for the actual cost, which was much higher than the initial estimate.
Claim for Stolen Car Denied
A customer reported their car stolen, but the insurance company refused to pay the claim, arguing the theft occurred under “suspicious circumstances” without evidence. After further investigation, they admitted their error and paid the full amount months later, but it caused a lot of stress in the meantime.
Coverage Confusion
A driver was in a non-fault accident and filed a claim expecting full coverage for the repairs. The insurance company claimed that due to a “technicality” in the paperwork, they were not eligible for full coverage. The customer had to escalate the issue, proving they were, in fact, covered.
Excessive Deductibles for Minor Damage
After a small fender bender, a policyholder's insurance company increased the deductible, making it almost impossible for the customer to repair the car affordably. The company argued that this was due to “policy changes,” but it was later found that they often did this to increase profits.
False Justification for Non-payment
A driver was rear-ended while waiting at a stoplight. The insurance company tried to claim the accident was "partially the policyholder's fault" without any reasonable explanation, despite clear evidence of the other driver’s fault. This delayed payments and left the driver in financial distress.
Changing Policy Terms Without Notice
A car owner discovered that their insurance policy had changed mid-year. The insurance company had added new clauses that reduced coverage for certain types of accidents, and they hadn’t notified the policyholder properly. This left the person with limited protection after a collision.
Claim Denial Over Minor Paperwork Mistakes
After a car accident, a driver submitted a claim but the insurance company denied it based on a minor error in the submitted documents. They claimed the form was incomplete, although the customer had provided everything required. The claim was only approved after a prolonged fight.
Fraudulent Lowball Settlement Offers
A customer was in a severe accident and had medical bills piling up. The insurance company offered a low settlement, far below what the actual medical and repair costs would be. The customer, under duress, initially accepted the offer, but later had to sue to get a fair settlement.
