APOLLO Insurance
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Terrible Liability Claim experience
Hope you never are in an accident with someone with this insurance. I had someone re-end me in morning commute traffic. I filed claim and almost immediately got an email about not paying for any storage facility if the vehicle was towed. I was able to drive mine so it was not an issue, but it should have been my first clue they were going to be a pain. on Someone finally called and I gave them my statement about the accident then never heard anything for two weeks. I finally called back about the status (no one ever answers) and when they finally called back they were still trying to decide liability. He re-ended me but was still trying to decide on liability? Said they were waiting on police to upload some video supposedly. Finally after almost a month they finally admitted liability and after uploading numerous photos from all angles they requested they made an assessment to total the vehicle. Then came the next problem. For totaling the vehicle, they found 10 cars to assess for determining the "market value" of my vehicle. Of the 10 only 2 were same model/trim level. For the other 8 were all lower trim levels with different engine. Mine is turbo charged, with nearly a 3k price difference new and always priced a couple thousand higher used. However, for there comparison only adjusted $600 for the 8. Additionally, most of the ones they found are at your small mom pop dealerships and they deduct $875 for "difference between private party and retail" saying that a reseller spend money to "recondition" vehicles for sale. I'll by this maybe if it's a big dealership with a maintenance shop etc, but I've bought many a car from these small dealers and you're lucky if they even wash/vacuum most of the time. I refused the offer had to give them a big write up about all this. They came up about $500 but still not to what I consider a fair value. I finally just gave up after about 6 weeks and took the money to just be done with them. Additionally, they never provided any time of rental for me to use, nor paid for any kind of lose of use of vehicle for the 6w or so it took they to determine liability and settle. This company is not about doing the right thing, they are about stalling and delaying until you get tired and give up for minimum they can pay. Bottom line if you're in an accident with someone that has this insurance company, just find yourself a lawyer day one and let them handle and deal with them.