auto insurance horror stories

One horror story is when an insurance company took forever to process a claim after a car accident. The claimant had to constantly call and fight for weeks just to get an adjuster to look at the damage. It was extremely frustrating as they couldn't get their car repaired in time and had to rely on public transportation, which was inconvenient and costly.

Sure. There are cases where Allstate has blamed the policyholder for accidents that clearly weren't their fault. For example, in a situation where another driver ran a red light and hit an Allstate - insured vehicle, Allstate initially tried to say the insured driver was partially at fault. Also, some people have had problems with Allstate not covering all the damages to their cars. Even if they had comprehensive coverage, Allstate might only pay for a portion of the repairs, leaving the policyholder to foot the bill for the rest.

Sure. There was a situation where an insurance company refused to cover a stolen vehicle because the owner had left the keys in the ignition. But it was just for a few seconds while they ran into a store. The owner thought it was a normal part of their coverage, but the insurance company used this small mistake to deny the claim, leaving the owner without a car and no compensation.

There was a story where a woman's car was flooded because she drove it into a pond trying to avoid a squirrel. She thought her auto insurance would pay for it as it was an 'accident'. But it turned out that her policy didn't cover self - inflicted 'accidents' like this. She had to pay for the repairs herself, which was quite a costly mistake.

I remember a story where a man had a pet parrot that he took everywhere in his car. One day, the parrot got loose and started pecking at the dashboard, causing some damage. He tried to claim it on his auto insurance, saying it was an 'unusual incident'. The insurance company didn't cover it, of course.

I knew a person who had a cavity that grew into a huge problem. Since they had no dental insurance, they couldn't afford to go to the dentist right away. By the time they finally managed to save some money, the cavity had turned into an abscess. The pain was unbearable, and they had to get an emergency extraction which was very expensive and also a very difficult procedure because of the advanced state of the problem.

There was a traveler who got sick during a trip overseas. The local medical bills were very high. The travel insurance was supposed to cover the medical expenses. But when the claim was made, the insurance company claimed that the pre - existing condition clause applied even though the traveler had no known pre - existing conditions. They fought for months but still had to pay a large portion of the bill out of pocket.

One horror story is when a family's home was severely damaged by a storm. They thought their home insurance would cover it all. But the insurance company found a tiny loophole in the policy about pre - existing roof damage. So they only paid a fraction of what was needed for repairs, leaving the family to struggle with huge out - of - pocket expenses.

I heard of a case where a driver paid their premiums on time every month. Then when they had a minor fender - bender, the insurance company found a loophole in the policy to deny the claim. It turned out some small print said that a certain type of repair wasn't covered, which the driver wasn't aware of. They were stuck with a big repair bill.

One common element is slow claim processing. Insurance companies often take a long time to review and approve claims. Another is denial of valid claims. They might find some excuse not to pay out. And also, under - estimating damages or coverage amounts, like in home or auto insurance cases.