My car got hit-and-run'd while parked in a hotel parking lot, and there was no evidence of who did it. I filed a claim with State Farm and the repair process was super smooth. I paid my deductible and they gave me a rental, and that was that. It's the only claim I've ever filed, so I don't really have anything to compare it to.
Insurance can or can't be easy depending on 50000 circumstances. What you just described is worst possible situation for many people.
- a 1200 dollar deductible on a car worth 4 grand is a life ruin-er for some people.
-if insurance decides to total your vehicle and you have to dispute the value, absolute nightmare.
Personal story,
I am 7 months in awaiting my court date for an uninsured dude that totaled my buddys car I was driving. It's my buddys extra car, no UIM or comprehensive coverage. I paid 7 grand to fix it out of pocket, because his insurance would have totaled it and charged him deductable. car is valued around 4k or so, despite being the cleanest 0 legacy on the planet. all new paint, mechanic owned. Other motorist hasn't paid a dime and is ignoring all court orders.
