Good on you for pushing back a bit. Insurance companies always seem quick to deny stuff...makes me wonder how many people just accept it without questioning. Glad you got most of it sorted in the end.
"Insurance companies always seem quick to deny stuff...makes me wonder how many people just accept it without questioning."
Yeah, totally agree with this. I've seen it happen a lot in the classic car community—especially when it comes to valuations and repairs. A buddy of mine had his '68 Mustang claim initially denied because the insurer argued the parts weren't "necessary." Took him weeks of back-and-forth, but eventually they caved. Definitely pays to be persistent and know your policy inside out. Glad you stuck with it and got most of it sorted.
I've had similar headaches, especially with aftermarket mods and performance parts. Seems insurers love the "not necessary" card—until you point out their own fine print. Like you said:
"Definitely pays to be persistent and know your policy inside out."
Saved me more than once...
You're spot on about persistence being key. As someone who's been on both sides of the desk, I can confirm insurers often reconsider once you highlight their own wording clearly.
Glad it worked out for you!"Definitely pays to be persistent and know your policy inside out."
Have you tried asking for a supervisor or someone higher up? Sometimes the first person you talk to doesn't have the authority to reconsider. Also, did you document everything in writing... emails, letters, etc.? That can really help your case later on.
