My sister & her late husband had REAL life insurance. My sister is still trying to get the payout almost 9 months since his death, she started trying to claim maybe a few days or a week after his death at most. So we havent had a positive experience with them, but maybe all life insurance claims drag on like this? I dont think so though.

Hopefully they'd be better with car insurance?
oh god ur poor sister!

hmmm maybe ill do some googling!