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Maybe I am lucky but my recent claim experience with Intact is quite positive. Even though it's a bit frustrating that I am the one who has to call all the time and I never get to speak the same person twice, all the agents I talked to are very helpful and can usually resolve any issue I have. The appraisal did take longer than expected probably because I chose to use my own body shop instead of the one they recommended, but Intact was quite reasonable in their appraisal as the repairs were quite expensive. The claim process itself is very stressful and I am just thankful that no one is hurt in the accident. I would imagine it could be a lot more complicated if personal injuries claims are involved.