Grillo & Associates

There were two policies involved with the refund situation in regards to the Toyota being double insured [redacted] s policy is [redacted] and [redacted] (his mother) policy was [redacted] The Toyota was insured on [redacted] ’s policy, [redacted] Nationwide received a request from [redacted] to remove the vehicle from [redacted] ’s policy effective March **, as he indicated it was insured on his policy ( [redacted] ) at that timeThe policy was cancelled and a refund of $2,was mailedBased on [redacted] explaining the vehicle was covered on both policies, a call was then placed to the [redacted] DMV, who advised the plates expired October **, for [redacted] and were not transferred to [redacted] until November **, It was advised that [redacted] ’s policy would need to be cancelled October **, 2011, not March **, to avoid a day lapse suspension and fines from the stateSince [redacted] ’s registration expired October **, and [redacted] received registration November **, 2011, there would be no lapse or fines for not having the vehicle insured during that timeWhen [redacted] spoke with [redacted] (OCA) in July regarding the duplicate coverage on the Toyota, he was advised that the $2,refund was not correct and would be adjusted and reducedThat refund was for an incorrect cancellation date and to avoid the lapse/suspension the policy was being corrected to reflect an October **, cancellation dateIt was advised to [redacted] that the Toyota would then be removed from his policy effective the date it was added, March 10, and added November 25, when the vehicle was registered to himHe was advised a refund would be sent for his policy being adjusted with the removal of the Toyota from March 10, to November 25, During the OCA discussion with [redacted] in July, it was offered that we could apply the refunds to the current balance on his policy which would pay his renewal in full and then we could refund the remainder of the refund, or we could refund both amounts directly to the member ( [redacted] ’s adjusted refund and [redacted] s refund for removing the vehicle) [redacted] advised he preferred the refunds be sent to his address as he pays for his insurance via automatic draft• Nationwide adjusted [redacted] ’s policy ( [redacted] ) to refund for coverage on the Toyota starting October **, instead of the March **, cancellation dateThis adjustment caused the $2,refund to be reduced to a refund of $1,The cost to insure the Toyota from March **, to October **, was $so this amount was removed from the initial $2,refundThe adjusted refund was mailed to [redacted] via [redacted] and was delivered on July **, (tracking [redacted] )This check was cashed on July **, • Nationwide adjusted [redacted] s policy ( [redacted] ) to remove coverage on the vehicle from March **, to November **, when the vehicle should have been added to his policyThis system refund generated for $1,and was mailed via [redacted] and was delivered on July **, (tracking [redacted] )This check was cashed on July **, To summarize, the Toyota reflects being covered on [redacted] ’s policy ( [redacted] ) until October **, when the registration ended per the [redacted] DMVThe Toyota reflects being insured on [redacted] s policy ( [redacted] ) effective November **, when the vehicle was registered in his nameThere is a lapse in the vehicle being insured from October **, to November **, when the vehicle was not registered in anyone’s name, which does not result in state fines [redacted]