Random Update

[nekosensei]

Today, doomsey and I finally got the deductible back from when I was rear-ended over a year and a half ago. Our insurance company ended up suing the guy because his insurance company wouldn't pay. He was covered by a very crappy insurance company called Apollo. I googled them last year-- after the officer who filled out the police report said that they were one of the worst-- and found out that they're infuriating to deal with. The most common complaints are that they refuse to pay out on claims, don't answer the phone, and hang up on people who are trying to get them to pay. I'm guessing that, after not getting anywhere with the guy's insurance company, they just sued the driver, who ended up settling out of court. Yay! Money!

doomsey and I went to voidness' house tonight for anime night. I have decided that the show, Detroit Metal City, is evil.

Comments

[misswitch.livejournal.com]

I had the same problem with the insurance company awhile back. Neither my insurance agent or I could get anyone on the phone to help. I don't remember the name of the company now, but it was actually one that was pretty well known.

I'm glad you finally got the money back.

[methuss.livejournal.com]

We had the same problem when Duchess' Outlander was hit only a couple months after buying it. The other driver had a similar insurance (Colonial I think it was).

Anyways, I found out something interresting about car insurance when we went through all this: If you get hit and the other driver is at fault (ticketed) their insurance has no obligation to pay the claim if their own policy holder refuses to cooperate with their investigation. What happens if the other driver refuses to answer their own insurance company calls? The policy is void and you were hit by an uninsured motorist.

I know this sounds stupid but once it was explained to me why, it made a twisted sort of sense. The isnurance company represents their policy holder much like a lawyer would. If you make a claim against their policy holder and they can't verify the policy holder was even there then they don't pay... from the insurance company perspective it's like someone walking up and asking for money with no proof.

Oh, and the isnurance company does not have to take the police report as proof either. It's hearsay unless the police person actually witnessed the collision.

Nice racket...

[nekosensei.livejournal.com]

When that happens, I hear that you can usually get the person who hit you to pay up by taking them to small claims court. Or, you could get your insurance company to take them to court for you. Then, that person has to turn around the sue their insurance company to recover their losses. At least, that's how I'm told it works.