Had a similar issue last year when my windshield got cracked by debris on the highway. Insurance initially denied it, claiming it wasn't covered under my policy. I didn't threaten regulators or anything, but I did firmly mention I'd read through the fine print and asked to speak directly with a supervisor. Funny how quickly their tune changed once they realized I wasn't just gonna roll over. Sometimes you gotta push back a bit to get them to take you seriously...
Had a similar run-in myself a few years back. Had some storm damage to my roof, and the initial adjuster was pretty quick to deny coverage, claiming it was just normal wear and tear. I didn't buy it, so I requested a second inspection and pointed out specific policy clauses. Sure enough, they reconsidered and covered most of it. Not saying insurance companies always try to dodge claims, but sometimes you gotta keep them honest...
"Not saying insurance companies always try to dodge claims, but sometimes you gotta keep them honest..."
Haha, that's the truth. Reminds me of when a tree branch fell on my garage last summer—thankfully missed the car (whew). At first, insurance tried to say it was just cosmetic damage and not covered. I sent them photos, pointed out some fine print in my policy, and politely asked if they'd reconsider. Took a bit of back-and-forth, but eventually they came around. Pays to stay calm and persistent, I guess...
Had a similar run-in with my classic Mustang a few years back. Insurance initially denied coverage, claiming the damage was "pre-existing." Had to dig up old maintenance records and photos to prove otherwise. Like you said,
Glad yours worked out too."Pays to stay calm and persistent..."
Had something similar happen with my Corolla a while back. Insurance tried to say the cracked windshield was already there, but luckily I'd taken photos during a road trip just a week before—pure luck, honestly. Definitely taught me to document everything more carefully now. Staying calm definitely helps, but insurance companies can be tricky... sometimes persistence means politely escalating things or even getting someone else involved. Glad you got yours sorted out though, classic Mustangs deserve better treatment!
