insurance people are really the scum of the earth. personally experienced many cases involving them cheating. concerning LOU, the story was simple:
1. i claimed LOU
2. received letter saying claim received
3. waited many weeks, no reply
4. called person in charge
5. idiot said he already sent a letter saying claim approved,
this letter wanted me to confirm final amount (less than claimed),
re-checked with him - wrong address! how did he get wrong address when 1st letter was sent correctly?
won't send new letter, asked me to find letter myself
that's why i avoid dealing with insurance as much as possible
Accident 101: i teach u claim loss of use