AAA Ohio Auto Club

Regarding the Travel Insured travel insurance policy purchased by Mr [redacted] on January 12th, 2018, Mr [redacted] submitted a trip cancellation claim to the third party insurance company, Travel Insured, which was denied due to the non-refundable trip cost not being fully insured on the purchased policyMr [redacted] attempted to resolve the claim with Travel Insured directly with no success and asked AAA Ohio Auto Club Insurance Agency to advocate on his behalf AAA Ohio Auto Club Insurance Agency disputed the claim to Travel Insured on behalf of Mr [redacted] and unfortunately were unable to reach a mutual agreement with Travel Insured to reverse the claims denial decision Please note the following policy language as stated within Mr [redacted] ’s Travel Insured policy: Fourteen Day Look (Page 7): “If you are not satisfied for any reason, you may cancel insurance under this policy by giving the company or agent written notice within the first to occur of the following (a) days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this PolicyMr [redacted] also states that he was unaware that the trip must be insured at 100% of the prepaid Trip costs in order to be eligible for the Cancel For Any Reason coverage Mr [redacted] did not have in his possession a copy of his trip invoice with him when purchasing the insurance (note: Mr [redacted] did not purchase the trip through AAA) and therefore provided the insurance agent with an approximate trip cost Please note the following policy language as stated within Mr [redacted] ’s Travel Insured policy: Section II – Coverages: Coverage C, Cancel For Any Reason (Page 13): If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:Your Payment for this Policy and enrollment form are received within days of the date Your initial Payment or Deposit for Your Trip is received;You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insured with days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; andYou cancel Your Trip hours or more before Your Scheduled Departure DateMr [redacted] requested a full reimbursement of the $premium he paid for the travel insurance policy Travel Insured denied the refund of the $policy premium as, per Travel Insured’s policy, premium refunds cannot be issued once a claim has been filed Therefore, AAA Ohio Auto Club Insurance Agency issued a premium refund directly to Mr [redacted] equal to the $premium Mr [redacted] spent for the policy AAA Ohio Auto Club Insurance Agency strongly feels that it has demonstrated going above and beyond to alleviate Mr [redacted] ’s out-of-pocket expense regarding the claim denial from the third party company by issuing Mr [redacted] a premium refund check totaling $on February 6, as AAA Ohio Auto Club Insurance Agency was under no contractual obligation to refund premiums paid to a third party source

I do appreciate Revdex.com’s role in this because AAA was not responding to my correspondence letter of February 9, 2018, with regard to their liability on the travel expense.1) AAA does agree with me that AAA was the responsible agent for executing the purchase order with TravelInsured.2) With regard to AAA paying my premium, they did this at their own volition, because they wanted to buy time to get TravelInsured to pay the claim, after AAA had made a mistake in the data entry.3) The simple problem is that the AAA insurance agent did not perform due diligence in executing the purchase order with TravelInsuredThe AAA insurance agent did not follow the simple instructions on the screen in terms of collecting the necessary data to make the claim viableThe reason I went to AAA was to insure integrity in the purchase process with an experienced insurance agentHowever, there was no integrity in the purchase processThe error on the part of the AAA insurance agent created a significant negative financial impact.The financial impact on me is a loss of $AAA is assuming no responsibility for this, even though the mistake was solely their mistakeI am pursuing this because I am retired on a fixed income and cannot afford this lossThere has to be some protection for the consumer

In response to Mr [redacted] ’s comments dated February 28, 2018, AAA’s original response of “(note: Mr [redacted] did not purchase the trip through AAA)” appears to have been misinterpreted The statement does stand correct that Mr [redacted] did not purchase the trip itself through the AAA Travel Agency however, as stated previously, the travel insurance policy was purchased through Travel Insured, a third party insurance carrier, and sold by one of our AAA insurance agents The limits on the travel insurance policy were purchased at an agreed amount value by both the insurance agent and Mr [redacted] The travel insurance policy language and contract provide the client a fourteen-day look period which allows the purchaser to cancel insurance under the policy for a full premium refund so long as the cancellation request falls within the parameters stated within the policy itself AAA feels that it has fulfilled its duty Furthermore, AAA feels it has gone above and beyond to remedy this for Mr [redacted] by refunding the travel insurance premiums paid

Mr [redacted] , In response to your complaint concerning damage done by an AAA independent contract providerWe thoroughly investigated your claim and compensated as a goodwill gesture the amount of $for any perceived damage done by the towing facilityIt was apparent during our investigation that the damage occurred while the ball joint broke not as an effort of the service provider moving your vehicle two houses awayAt this time, we must decline your desired settlement for the entire sum of repairs, as the vehicle clearly had pre-existing damage

AAA Ohio Auto Club provides all the terms and conditions from tour vendors when confirming a reservation for a customer The travel vendor in this case is [redacted] [redacted] imposes a $per person non-refundable deposit and the airlines impose a $per person penalty During the booking process Mr [redacted] was offered cancellation insurance and declined [redacted] will apply the $per person penalty towards a new reservation for the customer but the [redacted] Airlines will not waive the $per person penaltyIf the State Department issued a ban to travel in Mexico, then [redacted] would refund the full deposit amountThe Department of State issues a State-by-State Assessment of security conditions throughout Mexico and the Cancun area is currently under an advisory Mr [redacted] signed a AAA recap accepting the terms and conditions set forth by [redacted] along with the tour company’s cancellation policy

We have investigated this matter and contacted the the Car Care center that provided assistance According to AAA records the technician went to start your vehicle and noticed the engine was idling very rough and a loud with a banging noise coming from the engine areaThe
technician immediately shut off the vehicle and lifted the hood to inspect the vehicle furtherUpon checking the oil level, the technician noticed the dipstick had no oilHe then put quarts of oil in the vehicleWhen starting the vehicle again, the noise remained. The noise was diagnosed as the vehicle "jumping time" which caused the low idle and noise. It was informed the vehicle would most likely need a new timing chain and possibly a new engine. There was no other repairs or services done to the vehicle other than adding oilWe cannot support the claim that AAA is responsible for the engine problems

We worked thoroughly on Mr***'s behalf in an effort to recoup his money, as Royal Caribbean was not obligated to refund the cruise portion because they considered the clients as a no-showThrough our efforts of working with Royal Caribbean's customer relations, we were able to recoup the
original trip cost of $4,556, as well as an additional $This refund consisted of a future cruise credit in the amount of $2,and a check for the remaining money, $2,448.05. Through conversations with our client, we understand their perspective on what they viewed as confusingHowever, numerous recaps were signed by Mrand Mrs*** stating that they received all documentation, which included a detailed outline of the cruise itineraryThey also received formal boarding documents from the cruise line that clearly outlined the itinerary and sailing information for their cruise, including boarding information as well disembarkation and embarkation times
We consider this matter resolved pending any new information being presented

I feel AAA has an obligation to act in the best interest of travelers by providing them full and complete information about their destination prior to bookingThey failed to do so and we do not feel safe taking this tripHad this information been presented to us beforehand, we would never have booked

Hello to whom it may concern my name is *** ***, I have filed a complaint against aaa ohioThe reason being I have $in damages on my car and I only received $in payment to fix my vehicleI have been talked to in a disrespectful way, hung up on and told that that's all that I would receiveEven though they made the damages to my car along with this letter is have also sent videos and pictures with the aaa affiliate admitting damaging my car as well as pictures show the damages I am turning to the Revdex.com for help with this situation if there is anything else you need please contact me at ###-###-#### any help with this situation will be much appreciated thank you and have a blessed day Sincerely *** ***

Mr. [redacted], In response to your complaint concerning damage done by an AAA independent contract provider. We thoroughly investigated your claim and  compensated as a goodwill gesture the amount of $509.63 for any perceived damage done by the towing facility. It was...

apparent during our investigation that the damage occurred while the ball joint broke not as an effort of the service provider moving your vehicle two houses away. At this time, we must decline your desired settlement for the entire sum of repairs, as the vehicle clearly had pre-existing damage.

We apologize for the extreme wait time on your recent service request. The extreme temperatures in Columbus the week of January 1st resulted in over 5 times our normal call volume. AAA offers your next membership year for free so that you can give us another opportunity to service you better. In...

regards to the problem with your battery, AAA's internal records don't reflect a battery sale and I will need more information to make a determination. The subcontract driver who assisted you on the 6th of January entered that the battery was over 3 years old which would not fall within the 36 month free replacement term. If that was in error please visit one of our ten Central Ohio Car Care Plus facilities and they will follow the warranty guidelines for the battery. If you would prefer you can contact our Member Relations department at 614-431-7899 to arrange for a driver to assist you on site at your convenience.

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. On January 1st, the CSR found the battery I had purchased in your system, but I am going to find the receipt. Thank you for the resolution.

In response to Mr. [redacted]’s comments dated February 28, 2018, AAA’s original response of “(note: Mr. [redacted] did not purchase the trip through AAA)” appears to have been misinterpreted.  The statement does stand correct that Mr. [redacted] did not purchase the trip itself through the AAA Travel Agency however, as stated previously, the travel insurance policy was purchased through Travel Insured, a third party insurance carrier, and sold by one of our AAA insurance agents.  The limits on the travel insurance policy were purchased at an agreed amount value by both the insurance agent and Mr. [redacted].  The travel insurance policy language and contract provide the client a fourteen-day look period which allows the purchaser to cancel insurance under the policy for a full premium refund so long as the cancellation request falls within the parameters stated within the policy itself.  AAA feels that it has fulfilled its duty.  Furthermore, AAA feels it has gone above and beyond to remedy this for Mr. [redacted] by refunding the travel insurance premiums paid.

AAA Ohio Auto Club provides all the terms and conditions from tour vendors when confirming a reservation for a customer.  The travel vendor in this case is [redacted].  [redacted] imposes a $50.00 per person non-refundable deposit and the airlines impose a $250.00 per...

person penalty.  During the booking process Mr. [redacted] was offered cancellation insurance and declined. [redacted] will apply the $50.00 per person penalty towards a new reservation for the customer but the [redacted] Airlines will not waive the $250.00 per person penalty. If the State Department issued a ban to travel in Mexico, then [redacted] would refund the full deposit amount. The Department of State issues a State-by-State Assessment of security conditions throughout Mexico and the Cancun area is currently under an advisory.  Mr. [redacted] signed a AAA recap accepting the terms and conditions set forth by [redacted] along with the tour company’s cancellation policy.

Regarding the Travel Insured travel insurance policy purchased by Mr. [redacted] on January 12th, 2018, Mr. [redacted] submitted a trip cancellation claim to the third party insurance company, Travel Insured, which was denied due to the non-refundable trip cost not being fully insured on the purchased...

policy. Mr. [redacted] attempted to resolve the claim with Travel Insured directly with no success and asked AAA Ohio Auto Club Insurance Agency to advocate on his behalf.  AAA Ohio Auto Club Insurance Agency disputed the claim to Travel Insured on behalf of Mr. [redacted] and unfortunately were unable to reach a mutual agreement with Travel Insured to reverse the claims denial decision.  Please note the following policy language as stated within Mr. [redacted]’s Travel Insured policy: Fourteen Day Look (Page 7):  “If you are not satisfied for any reason, you may cancel insurance under this policy by giving the company or agent written notice within the first to occur of the following (a) 14 days from the Effective Date of Your Insurance; or (b) Your Scheduled Departure Date.  If You do this, the Company will refund Your premium paid provided no Insured has filed a claim under this Policy. Mr. [redacted] also states that he was unaware that the trip must be insured at 100% of the prepaid Trip costs in order to be eligible for the Cancel For Any Reason coverage.  Mr. [redacted] did not have in his possession a copy of his trip invoice with him when purchasing the insurance (note:  Mr. [redacted] did not purchase the trip through AAA) and therefore provided the insurance agent with an approximate trip cost.  Please note the following policy language as stated within Mr. [redacted]’s Travel Insured policy: Section II – Coverages:  Coverage C, Cancel For Any Reason (Page 13):  If You cancel Your Trip for any reason not otherwise covered by this Policy, benefits will be paid for 75% of the Prepaid, forfeited, non-refundable Payments or Deposits You paid for Your Trip provided:Your Payment for this Policy and enrollment form are received within 21 days of the date Your initial Payment or Deposit for Your Trip is received;You insure 100% of the Prepaid Trip costs that are subject to cancellation penalties or restrictions and also insured with 21 days of the Payment or Deposit for those Travel Arrangements the cost of any subsequent Travel Arrangements (or any other Travel Arrangements not made through Your travel agent) added to Your Trip; andYou cancel Your Trip 48 hours or more before Your Scheduled Departure Date. Mr. [redacted] requested a full reimbursement of the $210 premium he paid for the travel insurance policy.  Travel Insured denied the refund of the $210 policy premium as, per Travel Insured’s policy, premium refunds cannot be issued once a claim has been filed.  Therefore, AAA Ohio Auto Club Insurance Agency issued a premium refund directly to Mr. [redacted] equal to the $210.00 premium Mr. [redacted] spent for the policy.  AAA Ohio Auto Club Insurance Agency strongly feels that it has demonstrated going above and beyond to alleviate Mr. [redacted]’s out-of-pocket expense regarding the claim denial from the third party company by issuing Mr. [redacted] a premium refund check totaling $210 on February 6, 2018 as AAA Ohio Auto Club Insurance Agency was under no contractual obligation to refund premiums paid to a third party source.

I do appreciate Revdex.com’s role in this because AAA was not responding to my correspondence letter of February 9, 2018, with regard to their liability on the travel expense.1)      AAA does agree with me that AAA was the responsible agent for executing the purchase order with TravelInsured.2)      With regard to AAA paying my premium, they did this at their own volition, because they wanted to buy time to get TravelInsured to pay the claim, after AAA had made a mistake in the data entry.3)      The simple problem is that the AAA insurance agent did not perform due diligence in executing the purchase order with TravelInsured. The AAA insurance agent did not follow the simple instructions on the screen in terms of collecting the necessary data to make the claim viable. The reason I went to AAA was to insure integrity in the purchase process with an experienced insurance agent. However, there was no integrity in the purchase process. The error on the part of the AAA insurance agent created a significant negative financial impact.The financial impact on me is a loss of $1300. AAA is assuming no responsibility for this, even though the mistake was solely their mistake. I am pursuing this because I am retired on a fixed income and cannot afford this loss. There has to be some protection for the consumer.