Part 7/13:
A particularly alarming aspect is the problem of claims payments. A case in point is a fire survivor in California, Amelia McDonald, whose $876,355 claim was put on hold due to "insufficient funds," revealing potential insolvency issues within the industry. She reported that her check, issued by State Farm, didn't clear initially because the insurer's bank account reportedly had a negative balance. She described her experience as "horrible," emphasizing that, despite her long history working in insurance law, such a bounce had never happened before in her 25 years of practice.