Someone pulled out into my passenger side wing on a roundabout, then when I stop gets out the car and starts swearing at me saying it was my fault etc.
The insurance company tries to palm off the claim on a 3rd party without making it clear that means they take 0 responsibility for the claim. Not to mention a cursory google shows that a lot of these companies deliberately overcharge on repairs and hire cars so the other party's insurers will flat out refuse to pay even in cases where they accept liability - which means it defaults to you owing them the sum total of the charges...
Anyway I chuck it back to my insurer saying you sort this out and give me your approved garage for repairs. Takes the garage a week or two to make the repairs which is all well and good, except I called multiple times asking if I could tag on a small rust repair(talking 50p size spot) and some discolouration on my bumper out of my own pocket. The night before I'm due to pick my car up they actually bother to call me and say that it will cost £900 because apparently cleaning a small rust spot on the door involves dismantling half the car...
Pick the my car up and it looks great, would struggle to tell it was damaged plus it's been steam cleaned. Probably the only part I was happy with.
Day after I pick my car up I get a message saying my car is ready to pick up....
A few months later I get a letter from the garage saying I didn't pay them and I owe them the money. Obviously they would hand over the keys and let me leave without paying. Call them up and ask them wtf is going on, barely seem to care and say something glib about having a system issue so I say why is that my problem but get nowhere.
Tempted to let them try and pass it off to a debt collection agency because I will then prove I paid and they will charge the garage their admin fees. At least that's how it works in my head
Bunch of fucking crooks and jobsworths from start to finish.