Man oh man. Last October I had an f350 stolen in Miami, it was a work truck so I had to buy a new one right away to keep business going smoothly. I found out the hard way that my insurance company (Auto Owners) outsources total loss claims to another company and they were completely unresponsive and would not negotiate at all, they just play the wait game and see how long you hold out if you want to get more than what they are willing to pay. I STILL have not received money for my loss.
Insurance companies suck.
Insurance companies suck.