As they say, there are no such things as accidents. Someone was negligent and it wasn't you. Have you tried reporting them to the Dept of Insurance? They need to do a thorough investigation and come up with a relatively reasonable answer. What they did was not reasonable.
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Apollo Insurance is not your insurance company, why do you expect customer service. They do not have to talk to you, pay you, investigate the claim, or anything else of that nature. Their sole contractual obligation is to their insured - not you. Seems like they are doing a good job for their customer by not paying you. To the extent that any insurance company pays someone other than their insured, it is to save money or limit the risk to which their insured is exposed.
This is why we should carry collision insurance on our vehicles and med pay coverage. Protect yourself at all times.
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It must be a whole lot different in Florida, JR. Up here they certainly do have to pay the damages caused by their insured.
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Ken, it's not different in Florida. The guilty party's insurance company must pay. But, as in many cases elsewhere, you may have to sue them. JR is looking at it as a contract between the insurance company and their insured. He is conveniently leaving out that the insurance company also has a contract with the State of Florida to pay damages (as you stated) their insured causes.
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Tnchuck: I am sorry if my comment seemed incomplete, but I was commenting on the factual situation the op was in. Obviously, if an insured is found liable for negligence in a civil litigation before a court, the insurance company has a duty to pay up to the limits of the policy. Until liability is established in a civil case, as I said, the insurance company has no duty to pay the injured party, to talk to them, or otherwise treat them as if they were the customer. The insurance company could just simply ignore the injured party if it chose to. Certainly insurance companies pay persons injured by their insured prior to litigation all the tim... more >>
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JR, I agree that the insurance company should serve their customer. Part of the service for their customer is to ensure that their customer doesn't get sued when their customer is obviously at fault such as the case with this OP.
When one purchases liability insurance one should choose a company who definitely doesn't play by your rules of, "the insurance company has no duty to pay the injured party, to talk to them, or otherwise treat them as if they were the customer" because by ignoring the claimant they are putting their client at risk for a law suit. In fact you as the customer of the liability insurance would be well served by choo... more >>
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Absolutely correct, Stew.
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most of you guys are here left the comments, i can tell you work for the company. shouldn't you be working instead of surfing online.
YES, the company is responsible to talk to the victim, more importantly they suppose to pay for the victims loss. that's what the collision coverage do since your customer had the full coverage. it has nothing to do with me have to get a liability or collision coverage, there is no law saying you have to get a collision coverage to recover from your loss even if it wasn't the drivers fault who was just stopped at a red light. well , you guys are unbelievably cheaters and i just know one of these days it will ... more >>
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ooo which company do we work for this time?
maybe i can go play on the servers. I've been practicing my linux "delete all files" skills already today!
actually that's true. one of the guys tried altering my account so to figure out why his account wouldn't work on the server and he really messed up my files. good thing it's a practice server.
had to "su" in and delete my entire account and all the files just so i could remake the account with the proper settings.
but o well. ain't worse than trying to keep a failing hard drive alive (my laptop). but after 5 reformats i've given up doing CPR on it...back to the original d... more >>
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Oh good grief. contrary comments do not mean the person works for the company.
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When someone is obviously at fault why can't a company do the right thing. Stew is right. Part of the insurance companies obligation is to keep their insured from being sued. If a lawyer gets involved it will end up costing the company more. If they are found liable they will have to pay attorneys fees on top of the car damage.
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So let me get this straight. The driver of the car who caused the accident had insurance and the insurance won't pay to have the victim's car fixed? I hope her lawyer is successful in suing the crap out of the company. I'd take a few thousand for mental anguish, too. This is worse than an uninsured motorist. Also, why isn't the OP's insurance company going after these people? Mine sure did when I got T-boned a few years back. My car was fixed perfectly and I paid only the deductible.
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hey sorry guys, i misunderstood some things and commented stuff i shouldn't have. once again ignore what i commented and sorry.
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I understand your frustration, hate appollo casualty. I worked in insurance for many years both in an agency, claims and underwriting and although it is a law to carry it on all your vehicles in most states (I think), it also often feels like a double-edged sword. Unfortunately I've been hit many times by other negligent drivers and had to work with many different insurance companies to take care of my losses and suffering. Every company is different but yes, they can choose to ignore you, even though that is not ethical. If their insured is to blaim for the incident because they were issued a citation and it is noted in the police repor... more >>
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I realize you are frustrated but there are lots of people out there that go through this exact same thing. This is why the government is working on enforcing laws with insurance companies. It doesn't really suprise me that with the economy, claim insurance companies are trying harder not to pay out. I'm going through the exact same thing right now and they won't call me back at all. I was sitting at a stoplight and a teenage girl dressed like a stripper driving a freaking suburban (like any teen needs to be driving a suburban) rear-ended me in my Chevy HHR. Miraculously my car is barely scratched while her bumper looks like she hit a tree... more >>
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(11/04/2009) 
