"Curious though, has anyone noticed if certain insurers are consistently easier to deal with on this stuff, or does it mostly depend on the rep you get?"
Honestly, from what I've seen, it's a bit of both. Had one insurer that was usually pretty rigid, but then got a rep who genuinely seemed to want to help—made all the difference. Another time, I dealt with a company known for flexibility, but the rep was super by-the-book and wouldn't budge an inch. Seems like luck of the draw sometimes...
Had something similar happen when I was sorting out a minor claim. Company had a strict rep at first, got nowhere... called back later, different rep, totally chill and sorted it right away. Seems pretty random tbh.
Had a similar experience when I was trying to get a payment timeline adjusted—first rep was all policy-this, policy-that, no wiggle room at all. Called again later, got someone who was way more flexible. Makes me wonder if it's just luck or if certain reps have more authority?
Yeah, had something similar happen when I was trying to shift my payment dates around. First rep was like a brick wall—kept quoting policy. Called back later and got someone who sorted it out in minutes, no hassle. Makes me wonder if it's about seniority or maybe just reps interpreting the rules differently? Seems like there's some room for judgment calls there...
I've had similar experiences, but honestly, I don't think it's always about seniority or discretion. From what I've seen, insurers tend to have pretty rigid payment structures to keep their cash flow predictable. The second rep might've just found a workaround or exception you qualified for—doesn't necessarily mean there's tons of wiggle room across the board. In my experience, it's smarter to plan ahead and avoid relying on exceptions... saves you headaches in the long run.
