Funny story about an insurance adjuster, 45 years ago. I was in a car wreck and not at fault. I also lost a week of work because of the collision. The adjuster came by the house and was good about the repairs. I said I want my week of lost wages, and he said they could not do this. My mom turned to the adjuster and said, “this conversation is surely paining my boys neck.” He immediately decided to pay the lost wages.
I was T-boned in a car accident, different state, 400 miles away, over Christmas holiday. No one was hurt, and thankfully they didn’t total my car, which was a 1999 Oldsmobile Cutlass Supreme, gold, with leather interior, sun/moon roof, and gold accents on the trim. I LOVED that car.
Anyway, when the repairs were completed, I had to drive back to the other state to retrieve my car. I asked to be reimbursed for 2 days’ work, plus gas and 4 meals, to make that trip. I stayed with relatives, so didn’t even have any lodging expense, and had 2 “free” meals.
It was State Farm, and they said NO. So I went, in person, to one of their claim offices, with my receipts for gas and meals, and said I was not going to leave until the additional expenses were reimbursed. I said I would gladly call the state insurance commissioner, if this was going to be any problem.
After a couple minutes of waiting while it was discussed by the claim person and office manager, they approved the additional money. IIRC, it was under $300, and seemed like a small price to keep from having complaints filed.
The only good thing about that whole experience was that the loaner car I had for about 6 weeks was a Bonneville, which was very nice. But it was a bit wider than I was used to, and I knocked off one of the sideview mirrors, backing out of the garage, and had to pay for the mirror to be replaced out of pocket.