Can you recommend an American novel where a guy crashes his car for insurance money?

There could be. American literature is vast. In some gritty, real - life - inspired novels, this sort of situation might be depicted. Maybe in a novel set in a struggling community where people are pushed to extreme measures for money. But off the top of my head, I can't name a specific one. It could also be a sub - plot in a larger story about insurance fraud or a character's downward spiral.

I heard of a case where a driver paid their premiums on time every month. Then when they had a minor fender - bender, the insurance company found a loophole in the policy to deny the claim. It turned out some small print said that a certain type of repair wasn't covered, which the driver wasn't aware of. They were stuck with a big repair bill.

Sure. One time my friend got his car insurance bill and it was way more expensive than he expected. When he called to ask why, the agent said it was because he lived in an area with a lot of 'car-eating trees'. Turns out there were a lot of old oak trees that had a habit of dropping branches on cars during storms.

One option is to try to repair the car yourself if you have some mechanical skills. You can watch online tutorials and buy the necessary tools and parts. Another thing you can do is to see if there are any local charities or organizations that help people in your situation. They might be able to provide some financial assistance or at least give you some advice on how to get the car fixed.

A man thought his comprehensive car insurance covered everything, so when his kids drew all over his car with washable markers, he called the insurance company. They had to explain that it was not a covered event. He was so embarrassed. He thought any kind of 'damage' to the car was covered.

Delayed claim processing is common. Like when insurers take forever to assess a claim. Another is claim denial for flimsy reasons, such as small - print exclusions.

One horror story is when the insurance company tried to deny a claim for a legitimate accident. The driver had clear evidence of the other party's fault, but the insurer kept delaying and asking for more and more paperwork. It took months of fighting and stress to finally get the claim approved.

Sure. There was a case where a driver with State Farm car insurance was in an accident that wasn't their fault. However, State Farm took a long time to deal with the other driver's insurance company, which meant the policyholder had to wait months to get their car repaired. It was a big inconvenience as they had to rely on public transport in the meantime.

Well, there's also the case of a young driver who had a minor fender - bender. He filed the claim with his insurance company promptly. But the company decided to raise his premiums drastically after the claim was settled. They said it was because he was in a high - risk category as a young driver. However, they didn't take into account his clean driving record prior to the accident. He tried to negotiate with them but they were unyielding. So he ended up having to pay much more for his insurance than he expected.

One common horror story is being charged exorbitant fees for damages you didn't cause. The rental company might claim there was a scratch or dent that was already there before you rented the car. Another issue could be the insurance not covering what you thought it would. For example, if you got in an accident and the insurance you bought from the rental company didn't pay for a rental replacement while your car was being repaired. It's really important to read the fine print before getting rental car insurance.