Another reason to not get into an accident (sounds stupid to say) is insurance is not at all what it was back 10-15 years ago. I have been on the phone with 6 different individuals no less than 15-20 times to get to this point. My original adjuster was horrible. So bad, they fired him. All of a sudden I get an email "your claim is closed" and meanwhile, the truck wasn't even repaired. I called, they tell me the adjuster "is no longer with the company" and they will get me back on track.
They reopen the claim, tell me to drop the truck at the shop, and they will handle it. The shop then tells me "This isn't how it works..." Call back the adjuster and he says "Oh, no, this is DEFINITELY how it works." I drop the truck off. Then, two days later, I get a new estimate for basically 50% of what the shops initial estimate was. I call the shop and ask "What now?" Their response was "Wait, we had no idea anyone even stopped by? Your keys haven't left the hook on the wall." Now we're about 10 days in. Apparently a "photo adjuster" stopped by, took maybe 5-10 photos, and drafted an estimate. We are now stuck, nothing happening.
I get my new internal adjuster assigned, who is really good. They also assign an external adjuster, who is also very good. He goes to the shop, meets with them, approves their estimate within $50. Finally, they start ordering parts. He calls them every 3-4 days for updates, and conveys to me it's all an issue with the parts taking forever to arrive.
It takes ANOTHER 10 days before they are able to get all the parts. And I am sitting here looking at the repair invoice and they ordered parts, OEM, from ALL over the place. They are all OEM but it's not like a one-place source. From that point? 5 days the truck is "done."
That 5th day was today, I go, the truck isn't right. The external adjuster calls me back to tell me "Do not drive that truck off the lot until everything is the way you want it" and proceeds to tell me if there is another issue, he will stop by and personally inspect again.