Waste my time

I bought my first car in April last year and opted for First for Women as my insurer - they were so nice on the phone and it sounded like I’d be covered for everything if anything ever went wrong. And they’d support women right? So it was a no brainer.

I wish I had asked around a bit more beforehand. Almost 5 months later (August 2023), I was involved in an accident and my car was a write off. That’s when things started going downhill. The proposed payout was going to be a lot less that what I owed the bank, or what I bought the car for. I queried and disputed this because i didn’t choose to be covered for only market value. This process dragged on for 2 months. Communication also became less frequent to the point where I would get absolutely no response to my emails despite follow up. I’d call but everything just went in circles. The person seeing to my case had also left the company but I received no communication on who to contact until I contacted again first. Eventually I settled and they paid out.

Not only was I left with a chunk of debt after the accident, but my excess was high. 8 months later, I am still waiting for TIH to claim my excess reimbur*****t (10K+) from the third party. I have no energy to deal with more lawyers or keep following up on matters related to my accident (which was traumatic and I wasn't even the cause - I just want to move on already). And honestly I think these companies know that eventually we'll give up and stop bothering them. But I'm going to persist for what is mine.