Kemper Corporation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution does address the original situationBut I have lost so much time, and working like a mad man just to resolve this issueIn all honesty I should be compensated this is unfair, and totally unjust Sincerely, [redacted]

P.OBox 2855Clinton, IA 52733-June 24, Revdex.com of Chicago and Northern Illinois North Wabash AveSuite 3120Chicago, IL CLAIM NUMBER: [redacted] INSURED: [redacted] POLICY NUMBER: [redacted] COMPLAINANT: [redacted] Revdex.com CASE #: [redacted] DATE OF LOSS: May 18, To whom it may concern: We acknowledge receipt your correspondence dated June 22, regarding Ms [redacted] ’s concerns over the deductible on her auto policyMs [redacted] had purchased a new car in February and her agent requested the vehicle to be added to her policy with a $deductible A Declarations sheet was sent to Ms [redacted] shortly after showing this change to the policy and the new premium charged In discussing with her agent and in reviewing our internal underwriting records, there is no indication that Ms [redacted] ever requested her deductible to be lowered to $until after her May 18th loss when a tree branch fell on her car causing $of damage We have explained to her that unfortunately we cannot backdate her policy to provide a higher level of coverage for a loss she has already sustained We have lowered her deductible for any future losses as she requested, but we cannot lower it for the time before the requestWe regret that Ms [redacted] is not pleased with this outcome, but we feel that we have handled the claim correctly based on the contract that she has and the amount of premium that she paid If you have any further questions, please feel free to contact Team Manager [redacted] at ###-###-####Very truly yours, [redacted] , AICAuto Material Damage Claims ManagerOn behalf of Alpha Property & Casualty Insurance Company Tell us why here

Revdex.com PO BOX DuPont, WA Your File #: [redacted] Our Claim #: [redacted] Policy #: RC [redacted] NAIC#: [redacted] Insurance Co: Unitrin Auto and Home Insurance Company Date of Loss: August 14, Our Insured: [redacted] Dear Sir/Madam: This letter will serve as response to the above referenced complaint on behalf of Unitrin Auto and Home Insurance CompanyWe do apologize for any miscommunication Mr [redacted] had from the initial handlers of his claim Please be advised that we have resolved this matter to the consumer’s satisfactionWe have agreed to settle the total loss in the amount of $3,as of October 14, If you have any additional questions or concerns, please feel free to contact me at 1- [redacted] ext***Sincerely, [redacted] National Total Loss Manager Kemper Services Group for Unitrin Auto and Home Insurance Company [redacted] ext [redacted] b [redacted] @kemper.com

P.OBox Clinton, IA 52733- June 27, Revdex.com of Chicago and Northern Illinois North Wabash Ave Suite Chicago, IL CLAIM NUMBER: *** INSURED: *** *** POLICY NUMBER: *** COMPLAINANT: *** *** Revdex.com CASE #: *** DATE OF LOSS: May 18, 2016 To whom it may concern: We have received the follow up inquiry initiated by *** *** after she read the original response we wrote to her prior inquiry We have also brought Ms***’s concerns to her agent and her agent is clear that they added the coverage that Ms*** wanted and they did not receive any requests to lower the deductible prior to the loss. They also clarified that they never told Ms*** that they made a mistake as she alleges they did “numerous” times. What we do know is that a $deductible was put on the *** when it was purchased and a Declarations sheet was sent out to the customer documenting this immediately thereafter. We did not receive a request to lower the deductible until after her May 18, loss occurred. Based on these facts, we regret that there is nothing we can do to change our claims handling Very truly yours, *** ***, AIC Auto Material Damage Claims Manager On behalf of Alpha Property & Casualty Insurance Company

The claim was assigned to the Subrogation department in Dec/and we could not our subro demand until the salvage sold. The salvage was finally sold and the subro demand was sent in May/to *** advised us that they only had PD limits of $10,and the damages for
this claim would surpass that amount but they were still pending the final subro demand from ***. We contacted *** and was told yesterday that they were still pending the demand from *** before they could send out offer letters and releases We contacted our insured and advised them that normally we wait until a recovery is secure before reimbursing their deductible but in the case, we would go ahead and issue it to them today since this is being handled as a PD limits case. The insured provided a new mailing address and a payment for $was issued to them yesterday. They thanked us and we advised them that if they needed anything further to please call us directly *** *** *** *** ManagerTell us why here

Dear ***, It appears this policy was issued in error by the agentWe have updated our records and written off the premium amount of $There is nothing due at this time, and there will be no further attempt to collect this balance.Thank you, Kemper

Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** This is unacceptable! I called Kemper Insurance roughly a week and half ago to get an update on the claimThe representative advised me that the claim was deniedSo at this point I can't believe anything KEMPER INSURANCE saysI had full coverage at the time of the accident and I want my ** fixed or compensated for months without my vehicleOther potential customers beware of Kemper. Ive also contacted the insurance and commissioner of Washington stateIf there is no progress or settlement with months end I will seek counsel!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

On October 3, the claimant’s father, Mr***, was contacted and advised the delay in handling his daughter’s repairs is due to the property damage limits issue in regards to his daughter’s claim. Explained that before we can send out offer letters we must secure all demands
from both claimants in the accident and we were still pending the demand from *** Rent-A-Car, which our insured also struck Advised Mr*** that once we secure ***’s demand we can send out offer letters and releases to start to finalize the claim file. As of this date we have made numerous attempts to contact *** in order to get their demand but as of today’s date we have yet to receive their demand Advised Mr*** that if he any questions or concerns moving forward he can contact me directly. Thanks *** *** National Recovery Manager Kemper Services Group *** *** *** *** *** *** ** ***
*** *** *** * *** ***
*** *** d***[email protected] kemper.com Tell us why here

Revdex.com PO BOX 1000 DuPont, WA 98327 Your File #:                          [redacted]  Our Claim #:         ...

             [redacted] Policy #:                               RC [redacted] NAIC#:                                  [redacted] Insurance Co:                    Unitrin Auto and Home Insurance Company Date of Loss:                      August 14, 2015         Our Insured:                      [redacted]                    Dear Sir/Madam: This letter will serve as response to the above referenced complaint on behalf of Unitrin Auto and Home Insurance Company. We do apologize for any miscommunication Mr. [redacted] had from the initial handlers of his claim.  Please be advised that we have resolved this matter to the consumer’s satisfaction. We have agreed to settle the total loss in the amount of $3,344.98 as of October 14, 2015.   If you have any additional questions or concerns, please feel free to contact me at 1-[redacted] ext. [redacted]. Sincerely, [redacted] National Total Loss Manager Kemper Services Group for Unitrin Auto and Home Insurance Company 1[redacted] ext [redacted] b[redacted]@kemper.com

Complaint: [redacted]
I am rejecting this response because: in the rejection letter she claimed that there were no indication of me  wanting  to  change to a $500 deductible but the agent in Orange Park made it very clear that that is what I asked for and they made a mistake so I don't understand how your agent makes a mistake and I'm suffering for it and if there's more proof that they need as far as whether or not I asked for my deductible to be 500 back in February they can call the agent and the agent has already said it numerous amount of time that they made a mistake and switched it for one car and not the other car. I am really not sure how much more proof you will need when the person that you hired as a third-party agent is telling you they made a mistake it was switch for the 2013 Nissan but not the 2016 [redacted].  So the reason for rejecting my request is no proof, then all they will have to do is call the agent or theirs over two recorded phone calls of the agent also telling you guys that it was a mistake on their end.  When I spoke to them I did let them know that I wanted the same exact policy as what was on the Nissan which a $500 deductible.  If they need [redacted] phone number (which is the agent in Orange Park fl) they have it on notes. So if somebody actually did contact her they will have the proof that they need. Thank you
Sincerely,
[redacted]

Revdex.com:
I have...

reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution does address the original situation. But I have lost so much time, and working like a mad man just to resolve this issue. In all honesty I should be compensated ...... this is unfair, and totally unjust 
Sincerely,
[redacted]

In Reply Please Refer to Complaint reference:         [redacted] Complainant            :         [redacted] NAIC                      :         [redacted] Our policy number   :         [redacted] Our claim number   :         [redacted] Our insured             :         [redacted] Date of loss            :         11/07/16 Type of Coverage    :         Auto-Private Passenger     Dear sirs:   This letter is to respond to the above referenced inquiry.  It appears Mr. [redacted]’s inquiry is related to our ongoing coverage investigation.    We are currently reviewing this matter with defense counsel and the Washington State Department of Insurance regarding the coverage issues on this claim.  We are not in a position to accept or deny coverage at this time.   While we can appreciate Mr. [redacted]’s concerns regarding this matter, our coverage investigation continues. We will advise you of our final coverage decision when our coverage investigation is completed.  In the meantime, if you have any questions on this matter, please contact our adjuster [redacted] at 1-800-[redacted].   Sincerely, CHARTER INDEMNITY COMPANY     [redacted] Claims Department P.O. Box 2856, Clinton, IA 52733 [redacted] ext [redacted] Fax Tell us why here...

Complainant            :         [redacted]NAIC                     ...

:         [redacted]Our policy number   :         [redacted]Our claim number   :         [redacted]Our insured             :         [redacted]Date of loss            :         11/07/16Type of Coverage    :         Auto-Private Passenger  Dear sirs: This letter is to respond to the above referenced inquiry. It appears Mr. [redacted]’s inquiry is related to our ongoing coverage investigation.   Mr. [redacted] reported this loss to our company on November 9th, 2016.  Our adjuster contacted Mr. [redacted] and took his statement that same day and set up an appraisal of the vehicle involved in this loss, a 2006 [redacted].  Mr. [redacted] reported that he was driving the 2006 [redacted], lost control and hit a tree.   Upon further review of this claim, we referred this claim to our Special Investigations Unit (SIU) on November 15, 2016 since the loss occurred within 14 days of the inception date of the policy, there was no police report or witnesses and no tow bill.  A Reservation of Rights letter was mailed to Mr. [redacted] on December 27, 2016 to advise him of our concerns regarding the coverage issues on this claim. Defense counsel was assigned to take Mr. [redacted]’s examination under oath and provide a coverage opinion on this claim.  Defense counsel reviewed this claim and took Mr. [redacted]’s examination under oath on February 1, 2017.  We are currently reviewing this matter with defense counsel regarding the coverage issues on this claim.  We are not in a position to accept or deny coverage at this time.    While we can appreciate Mr. [redacted]’s concerns regarding this matter, our coverage investigation continues. We will advise you of our final coverage decision when our coverage investigation is completed.  In the meantime, if you have any questions on this matter, please contact our adjuster [redacted] at 1-[redacted]
 Sincerely,CHARTER INDEMNITY COMPANY  [redacted]Claims DepartmentP.O. Box 2856, Clinton, IA 52733[redacted] ext [redacted] Fax

P.O. Box 2855Clinton, IA 52733-2855 June 24, 2016 Revdex.com of Chicago and Northern Illinois 330 North Wabash AveSuite 3120Chicago, IL 60611 CLAIM NUMBER:             ...

            [redacted] INSURED:                                        [redacted]POLICY NUMBER:                                    [redacted]COMPLAINANT:                            [redacted]Revdex.com CASE #:                                    [redacted]DATE OF LOSS:                              May 18, 2016              To whom it may concern: We acknowledge receipt your correspondence dated June 22, 2016 regarding Ms. [redacted]’s concerns over the deductible on her auto policy. Ms. [redacted] had purchased a new car in February 2016 and her agent requested the vehicle to be added to her policy with a $1000 deductible.  A Declarations sheet was sent to Ms. [redacted] shortly after showing this change to the policy and the new premium charged.  In discussing with her agent and in reviewing our internal underwriting records, there is no indication that Ms. [redacted] ever requested her deductible to be lowered to $500 until after her May 18th loss when a tree branch fell on her car causing $1473.60 of damage.  We have explained to her that unfortunately we cannot backdate her policy to provide a higher level of coverage for a loss she has already sustained.  We have lowered her deductible for any future losses as she requested, but we cannot lower it for the time before the request. We regret that Ms. [redacted] is not pleased with this outcome, but we feel that we have handled the claim correctly based on the contract that she has and the amount of premium that she paid.  If you have any further questions, please feel free to contact Team Manager [redacted] at ###-###-####. Very truly yours,   [redacted], AICAuto Material Damage Claims ManagerOn behalf of Alpha Property & Casualty Insurance Company Tell us why here...