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So, from what I'm reading here, why would an insurance company ever take 100% fault for a parking lot accident? All they have to do is ensure their customer gives a BS statement that is slanted in their favor, deny the claim and know that 90% of the time they aren't going to get sued - even when it is clearly their clients fault. This my friends is why people think insurance agencies are crooked, money grubbing con artists.
Upon advice of my attorney, we will be taking them to small claims court. Looking forward to it. I'll let everyone know how it turns out.