Insurance mixed up my two claims and now nobody will call me back — anyone dealt with this?

Ugh, this happened to me with two fender-benders in the same month — totally different situations but the insurer kept conflating them. What finally helped me was emailing (not just calling) a written summary of what happened and asking them to confirm in writing which damages belonged to which claim. Having it in email made them take it more seriously than my phone calls ever did.

Former adjuster here. Honestly, claim mix-ups like this aren't as rare as insurers want you to believe, especially when two files get opened close together on the same policy. The escalation to a manager is actually a good sign — it usually means they've acknowledged the error and someone with authority is now cleaning it up.

That said, 'we're still reviewing' for two weeks is too long. I'd send a written follow-up — email if you have it, certified letter if not — asking for a specific timeline and the name of the manager handling it. Paper trails change the pace of things on the inside, trust me.

To answer your question about the partial payment — generally, cashing a check doesn't automatically 'settle' anything unless the check itself or accompanying paperwork contains release language. Check anything they sent you really carefully for phrases like 'full and final settlement' or 'release of all claims.' If it's just a partial payment toward one specific item, you're likely fine, but read that paperwork closely before assuming.

Also worth knowing: most states have rules about how long insurers can drag out a claim response. Look up your state's insurance department — you might have a legitimate complaint avenue if this keeps stalling.

Not legal advice, but — if the two claims involve different at-fault parties (like the truck driver for the debris and the other driver for the rear-end), those could potentially be two entirely separate liability situations, not just two insurance claims. Worth thinking through whether both incidents have been fully reported to the right parties. If things stay stalled, a free consult with a PI attorney wouldn't hurt just to understand where you stand.

Stop relying on phone calls. Write a concise email to the manager (or ask for their email on your next call) that spells out: incident 1, date, damages. Incident 2, date, damages. Payment received, amount, which claim it was for. Then ask directly: what is the resolution timeline? Phone calls disappear. Emails don't.

Were you physically okay in both incidents? The debris thing and a rear-end hit — even if your car took the brunt, sometimes adrenaline masks stuff. Just flagging it because people sometimes get so wrapped up in the vehicle claim that they don't realize until later they've got neck or back stuff brewing. Hope you're doing alright physically on top of all this stress.

This sounds so exhausting. Two accidents AND an insurance mess on top of it? I'd be losing my mind. Hang in there — the fact that they already admitted the error is actually something, even if the silence since then is infuriating.

Quick clarifying question — were both claims filed under your own insurance, or was one of them going through another driver's insurer? That changes things a bit in terms of how much leverage you have to push for a faster resolution.