Freedom National Insurance Services Inc

Please see the attached response provided. We are in receipt of complaint submitted to the Revdex.com on 05/12/16, to which we responded on 05/17/16. On 05/20/16, Mr. [redacted] responded stating that our answer does not resolve his complaint. Although we understand and sympathize with his position, we cannot afford coverage where there is none.Mr. [redacted] purchased this restricted policy on 09/18/15, insuring his vehicle for minimum limits liability and physical damage coverage with deductibles of $1,000. At the very top of his application for insurance, it states:                          THIS IS A RESTRICTED POLICY         Please review your coverage and make sure that you understand all of the coverage limitations and restrictions.On page 6 of the application it states:                   Certification of Applicant or Named Insured        I HAVE READ THE ENTIRE APPLICATION for an ACCC Insurance Company Policy and agree to the best of my knowledge and belief that it represents a true and                   complete statement...I understand that the policy is a restricted policy with conditions and limitations that are different than personal auto policies issued by other                     insurers.Mr. [redacted] signed this application. Additionally, he signed acknowledging the receipt of the policy.Page one of the policy states:       This is a restricted policy with conditions and limitations that are different from other personal automobile policies. It is important that you read the                  entire policy and understand all of the conditions and restrictions.Page two of the policy states:                                IMPORTANT NOTICE        ...Unless drivers residing with the named insured are named in the Declarations at the time of an accident or loss, damage to your auto will not be covered. If you desire        coverage for drivers in addition to those shown, you must request that your producer have your policy amended to list the additional drivers.This accident occurred on 05/01/16, while an unlisted driver was driving the insured vehicle. We afforded liability coverage in accordance with Utah Code 31A-22-303 as the driver was a “permissive user” as defined by this section; however, the Utah Code does not require that physical damage coverage be afforded for “permissive users.” Therefore, we denied physical damage coverage in accordance with our policy:        Part D – Coverage For Damage To Your Auto        AMENDED DEFINITION OF “YOU” AND “INSURED”:        Regardless of any wording in the other coverage parts of this policy, the definitions of you and insured are amended, in this Coverage Part D, to mean: Named Insured,         spouse residing in the same household and drivers listed on the application or on the Declarations.        EXCLUSIONS THAT APPLY TO PART D – DAMAGE TO YOUR AUTO        We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in           any sequence to the loss. We will, therefore, not pay for:                                              AA. While your covered auto is being driven by anyone other than you or an insured as                                                    defined in this coverage Part.D.Should you have any additional questions regarding this matter, please contact us. Sincerely,[redacted] Director of Operations [redacted] Ext [redacted]CC: [redacted] - ACCC      [redacted] - FNIS