Insurance agents are trained to provide the lowest payback possible, that’s why there are accident lawyers. I interned in college for one of the largest car insurance companies and it’s the culture. The concept is “idiot pays large insurance premiums, we barely pay anything in an accident”.
I have dealt with several insurance companies. Two stood out for just simply taking care of me: State Farm and All State. When I had a claim, they paid for all damages and costs with no hassle. In the cases that the damage was caused by someone else, they went to town on that person’s insurance company.
Once *I* was in the wrong, and State Farm backed me 100%
Sio they aren’t alll scum...