I've wondered about this too—do insurance companies actually count on people giving up? It seems plausible, given how often you hear these stories. I had a minor fender-bender last year, and even though I had clear photos, they initially said the damage didn't match my description. Took some polite but firm emails and a second opinion from a mechanic before they finally reconsidered. Makes you wonder how many people just accept the first denial...
- Had something similar happen a couple years back—felt like they were hoping I'd just drop it.
- Good on you for sticking with it, though... makes me curious how often persistence pays off versus people just letting it slide.
- Definitely worth pushing back gently but firmly.
Had a similar headache myself last year when my car got rear-ended. Insurance initially denied the claim, hoping I'd just shrug and move on—yeah, right. I politely pushed back, documented everything (photos, emails, the works), and after some gentle arm-twisting, they finally came around. Persistence can definitely pay off, especially when you're clear and organized. Honestly though, sometimes I wonder if their first step is always to deny and just hope we budget-conscious folks won't bother... Glad you stuck with it.
"Persistence can definitely pay off, especially when you're clear and organized."
Fair point, but is persistence always enough? I'm new to insurance and honestly pretty skeptical. Feels like even if you're organized, they're still holding most of the cards... Did you ever feel you needed legal backup or was documenting everything yourself enough? Curious if there's a point where pushing back solo just isn't realistic anymore.
Persistence helps, but you're right—there's definitely a limit. Documenting everything yourself is usually enough at first, but if they're consistently stonewalling, getting legal advice can shift the balance. Have you checked if your policy has an arbitration clause or anything similar?
