Curious if anyone’s ever actually had a big-name company drag their feet? Feels like you only hear horror stories about the little guys, but I wonder if it happens just as much with the big ones and we just don’t notice.
Honestly, I’ve seen the big names stall just as much as the smaller ones. Had a claim with State Farm a couple years back—rear-ended at a stoplight, nothing complicated. Took almost a month to get the payout sorted. They kept “reviewing” paperwork and asking for more photos, even though everything was clear from the start. Didn’t feel any different from what people complain about with the smaller outfits.
I get why people trust the big brands, but I’m not convinced they’re any faster or more reliable when it comes down to it. Maybe it’s just luck of the draw, or maybe it depends on the adjuster you get. Has anyone actually had a claim go faster with a national company compared to a local one? Or is it just the marketing making us think they’re better?
Big companies drag their feet just as much, if not more sometimes. Had a Geico claim last year—took forever, and I swear every time I called, I got a different person who had no clue what was going on. Honestly, the only difference I’ve noticed is the hold music. Local or national, it’s a gamble. The “big name” peace of mind is mostly just marketing fluff in my experience.
I get what you mean about the “big name” thing being mostly hype. Had a claim with State Farm last year after someone sideswiped my BMW in a parking lot. Took weeks just to get an adjuster out, and every time I called, it felt like I was starting from scratch. Honestly, I expected more given what I pay for coverage. At this point, I’m not convinced the extra cost for a national brand is worth it—service is hit or miss either way.
That sounds about right—my experience was weirdly similar, except it was with Allstate. My old Civic got rear-ended, and I swear it felt like I was playing phone tag for a month just to get a straight answer. The “big brand” thing seems to be more about the commercials than actual service. Sometimes I wonder if going with a smaller, local company would be any worse... or maybe even better, who knows. At this point, price is pretty much my only deciding factor unless someone’s got a truly awful rep.
I hear you on the endless phone tag—it’s like they’re training for the Olympics or something. But does a smaller company actually answer faster, or do they just have fewer commercials? Has anyone actually had a claim with a local insurer that went smoothly? I’m skeptical, but curious.
