Lighthouse Casualty Company

Thank you for the opportunity to respond to this complaint.Quite honestly, I am undure why there is a complaint as this claim is closed and checks have been issued for repairs to all vehicles. The only way for checks to be issued is if the estimate is approved and the Lighthouse check was issued on...

01/09/17. The body shop should have the check by now but Accounting says the check has not been cashed as of yet. Also, I see from the notes that Lighthouse Claims spoke with the complainant a few times over the course of the investigation, including a call on 01/06/17 where the Claims associate explained to the complainant that all they need to do is submit their rental receipt for reimbursement; the handling adjuster provider a fax number where to send the rental receipt.At this time, I will notify the claims adjuster to contact the body shop as a follow up on whether they received the check or not.Thank you,[redacted]

They're quick with responding & very friendly. They're the first insurance company I've had under my own name and couldn't be happier with them.

Initial Business Response /* (1000, 8, 2015/04/28) */
We have been in contact with Mr. [redacted]'s insurance company and notified them of our offer, as of 04/14.
We sent them the offer and left a message but still no response. We, too, like Mr. [redacted], would like to complete this claim,...

however, we have not heard back from his company.
We understand this has been a long process and at times the complainant may feel like we hadn't called him back in a timely manner. However, we may have been waiting for documentation, such as a police report for example, and were waiting to gain this info to update the claim before contacting them back. Lighthouse Casualty must complete their investigation in order to safeguard our insureds over the claim process.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (3000, 10, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response is not accurate. [redacted] has contacted them the following day on 4/15 with no response since. So to say we are waiting to hear back is completely false, if they ever decided to check their voicemails and return calls they will notice [redacted] is awaiting a response from them not the other way around. These third rate insurance companies are such a fraud and unethical by not paying claims out. I am appalled to have to contact them as it always leads to dishonestly and illegal code of conduct. I am looking for resolution to never have to work with them again and add to the list of poor reviews as a clear sign of how this organization should be further reviewed by the Revdex.com.
Final Business Response /* (4000, 12, 2015/05/05) */
Lighthouse negotiated a settlement between Mr. [redacted]'s carrier. We settled on an agreement and the claim amount was agreed upon by both parties.
Lighthouse received the signed settlement document and the check was requested and sent via USPS.
Thank you,
[redacted]

Initial Business Response /* (1000, 5, 2015/02/25) */
The complainant filed a claim with Lighthouse on February 9, 2015 based on an accident from February 5, 2015.
We spoke to the insured, or his representative, on several occasions and lastly, spoke with his mother, who later OK-ed the...

work to begin on his vehicle. She said she had worked in insurance and understood that Lighthouse was completing its due diligence. We contacted the insured to notify him that his mother approved the repairs to begin on his vehicle. He agreed as well.
We settled the claim on February 19, 2015, faxed the approval to the body shop and issued payment for the repairs.
His claim is now closed and his vehicle is in the process of being fixed. Thank you

Thank you for the opportunity to respond to this complaint.At this time, this complainant is attorney represented and we cannot discuss the claim in this forum. Lighthouse respectfully requests this complaint be closed by the Revdex.com.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.
This complaint was filed on 12/16 which is the same day that the complainant spoke with one of our claims associates about this situation. She was informed that Lighthouse is waiting to hear back from the insured, which...

unfortunately some people do not respond when their insurance company contacts them. She was advised to provide her medical bills. At this time, we have not received word from our insured. Lighthouse apologizes if this claimant has had a sour experience with our company but until we are working toward a resolution. Without hearing from the insured, this will take some time.Thank you,
Nick [redacted]

Thank you for the opportunity to reply to this complaint. At this time, a complaint with the IL Department of Insurance has been filed. I. respectfully, request the Revdex.com close this complaint administratively as it is beyond the purview of this forum. Lighthouse Casualty senior management is handling...

this complaint with the state.Thank you,[redacted]

After being hit by someone with Lighthouse Casualty Insurance, I have tried on numerous occasions to start a claim and have left several messages regarding the claim. Only after my insurance went after them, did they finally call to verify some information. They sent me to a collision shop that was very rude and was told I would receive the estimate via email the next morning. That was five days ago and after being on hold with Lighthouse for a half hour, the phone just rings and disconnects. I have left several messages for a return call and have not heard anything more. I highly recommend NOT using the company and pray you don't get hit by someone who does.

Thank you for the opportunity to respond to this complaint.
After reviewing the claim notes, I see that the Lighthouse Claims team has been in touch with the complainant and that we are waiting on a word from the insured. At this time, we remain seeking a statement from our insured. I will...

ask the claims team handling this incident to reach out to the insured again and be sure to make note of the claim until she is reached. Lighthouse apologizes to the complainant for the lack of communication.Thank you,
[redacted]

My son was accidentally part of an accident. His car was tapped by another car after it was hit and rolled. It did practically nothing to his car. However they have been calling me for information, yet when I turn a call they send me to an answering machine.it took four days , and spending two solid hours on the phone the fourth day, to get to talk to the original person who called me. Who then couldn't even provide me with any information except my claim (never filed one) was denied (huh?) and the letter she sent me was the denial of claim (I've read it four times now, plus had someone else read it. It doesn't even MENTION a claim or its denial. But somehow I was psychically supposed to understand that?)

I asked for one thing after all of this, a letter telling me they do not need any information from me. She can't even provid that. She promised to let this now mad old man talk to a supervisor, but couldn't even do that, claiming he was in a meeting, and when I said she could interrupt a meeting she just tried to tell me she would have to end the conversation with this even angrier old man.

Complaint: [redacted]
I am rejecting this response because:  This insurance company should be shut down. I was NEVER told that I would only be reimbursed for rental car for the time my vehicle was in the shop!! That's a boldfaced  lie. Your policy holder was at fault and put my vehicle out of commission since 11/30/2016. I work and need my car. I should not be without a car when I was never at fault. It was not my delay either. This insurance company left me without a car for 2 months not because of my delay but because of THEIR delay. I'm already losing money because of an only $20 dollar a day reimbursement. This accident was YOUR INSURED FAULT. I want reimbursement for the total number of days I was without my car. I will be expecting full day reimbursement or I will need to file a lawsuit against the insured........ and as I'm sure they know already,  my receipts were faxed yesterday morning. I am not letting this go without getting reimbursed for everyday I waited for my car. 
Sincerely,
And 
[redacted]

Thank you for the opportunity to respond to this complaint.This complainant's estimate was received last week and paid yesterday. Lighthouse acted well within the 60 day guideline set by the IL Department [redacted] in processing this claim.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.
At this time, we have received a few phone calls now from a man who says he is the new owner of the complainant's vehicle but she wants to continue the claim through Lighthouse. The man calling says he represents the complainant,...

then says he is the new owner; he is very rude and our calims associates have noted that he is not a pleasant individual on the phone. We explained to him that the insured/complainant would need to contact us directly so that we may speak with him about the claim. We will speak to the adjuster about not receiving or returning calls and ask that the complainant call us about her "representative".Thank you again,
[redacted]

I do not find this complainant's name in our database. If a claim number is provided, I can further investigate this issue.
Thank you,
[redacted]

Initial Business Response /* (1000, 5, 2015/04/02) */
On February 5, 2015 the claimant reported that our insured vehicle had backed into the claimants vehicle. This took place in a parking lot, the incident was not reported to police.
Upon receiving a detailed statement from the insured we...

extended an offer of $362.14 or 75% of the full estimate, as the insured reported the claimant vehicle was speeding down the aisle at the time of the accident.
The claimant refused the offer.

Thank you for the opportunity to respond to this complaint.I see from reviewing the claim notes  that checks have been issued for the vehicle repairs, as of 06/13/16. The complainant requested that the check go directly to her house and we complied with this request.Thank you,[redacted]

The Lighthouse claims staff has again tried reaching our insured on this claim but to no avail. At this time, the adjuster is waiting for approval to deny the claim.
Thank you,
[redacted]

How on God's green earth is this company Revdex.com accredited? One of their insured rear-ended me 11 months ago and they just sent me coorespondance. It took me going to the IL state insurance regulatory arm to get anything done. Abysmal is how I would rate Lighthouse.

Thank you for the opportunity to respond to this complaint.Per the claim notes, the Lighthouse adjuster reached out to the complainant on 05/11/17 and left a message where she can submit her receipt for rental reimbursement. The adjuster also left a fax number and a mailing address. Outside of this...

call to the complainant, I see that the adjuster has been in touch with the complainant's carrier, not directly with the complainant. I also see that an offer has been made to the complainant and she refused it on 04/06/17. On 04/07/17, the complainant sent an email to the adjuster saying she would see her in court.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the notes, I see that the complainant did speak with one of our adjusters on 06/16/17. She said he began using profanity and she ended the call.That said, I see that on 04/27/17, Lighthouse sent a letter to Medical Reimbursement of...

America for an explanation of benefits. Lighthouse would be a secondary payment coverage in this case as the Lighthouse policy clearly states that Medical Coverage Payments are secondary to any other collectible insurance. At this time, I do not see any response from Medical Reimbursement of America. If we can get the explanation of benefits from them, we can move the claim forward.Thank you,[redacted]