Haha, that's pretty much spot-on.
Haha, yeah, insurers can be pretty creative when it comes to excuses. Had a similar case where the adjuster claimed my client's parked car was "partially responsible" for being parked too close to the curb...you can't make this stuff up.
Haha, that's hilarious and honestly a bit concerning at the same time. Reminds me of a case I dealt with recently where the insurer tried to argue that my client's car was "asking for trouble" because it was parked under a tree during a storm. Like, really? Where exactly are we supposed to park cars...floating safely in mid-air?
But seriously though, insurers get creative because they're incentivized to minimize payouts—it's just part of how the industry is structured. They're not inherently evil (well, most of them aren't anyway), but their business model means they're always looking for ways to limit liability. As frustrating as it can be, it's why being meticulous about documenting everything and knowing exactly what's covered in your policy is so crucial.
the adjuster claimed my client's parked car was "partially responsible" for being parked too close to the curb
That's definitely pushing it though. I'd love to see how they'd justify that one if it ever made it to court. Sometimes adjusters throw these wild claims out there just hoping you'll accept partial blame or settle quickly because you're tired of dealing with them. It's an annoying tactic, but unfortunately pretty common.
The thing about no-fault states is that while they simplify certain claims processes, they also tend to create these weird gray areas where insurers try to assign blame in really questionable ways. It ends up making things more complicated than they need to be sometimes, especially when adjusters start getting overly creative with their interpretations.
Anyway, I've learned over the years that patience and persistence usually win out in these cases—especially when you have clear evidence on your side. And if all else fails, gently reminding them that you know exactly what your policy covers tends to make them reconsider their stance pretty quickly...most of the time anyway.
Haha, insurers really do come up with some wild logic sometimes. Reminds me of when my parked car got sideswiped and the adjuster tried to say I was partially at fault because my mirrors weren't folded in. Like, seriously? Who even folds their mirrors in every single time they park?
You're totally right though—patience and documentation are key. I learned the hard way that taking a ton of photos at the scene can save you a lot of headaches later on. And yeah, gently reminding them you actually read your policy usually helps too...funny how quickly their tune changes when they realize you're not just gonna roll over.
Hang in there, sounds like you've got this figured out better than most of us!
Totally agree on documenting everything—it's crazy how much insurers rely on tiny details to wiggle out of responsibility. A couple things I've learned recently as a first-timer:
- Dashcams can be lifesavers, especially in no-fault states. Footage speaks louder than words (or folded mirrors, apparently...).
- Always double-check the fine print on deductibles. Thought I understood mine until I actually needed it—lesson learned there.
Still figuring out all the quirks, but threads like this definitely help.
Dashcam's definitely on my list now after reading this thread. I was hesitant at first—felt kinda paranoid—but hearing stories like yours makes it clear how quickly things get messy. Also, about deductibles... yeah, learned the hard way too. Thought mine was straightforward until I had a minor fender bender and realized I misunderstood the coverage limits. Insurance feels like one of those things you don't fully get until you actually need it.
