Lighthouse Casualty Company

Complaint: [redacted]
I am rejecting this response because:
I guess the Illinois Dept of Insurance is my next step too. I'm sorry but but when my truck was Tboned the other insurance company settled within 2 weeks 
[redacted]

Thank you for the opportunity to respond to this complaint, however, I cannot find this gentleman in our database. If he could provide a claim number starting with [redacted], that would be helpful.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the claims notes, I see that we received the estimate and made an offer, which the complainant accepted. The Lighthouse associate also explained the rental reimbursement policy to the complainant and she said she understood what is...

needed to receive payment. At this time, a check has been issued.Thank you again,[redacted]

The Lighthouse adjuster spoke with the complainant and explained that their is an issue with the insured's vehicle not being on the policy. Also, our company has still not contacted the insured on this claim. A Reservation of Rights letter has been sent to the insured and the complainant advised the adjuster that she has filed with her carrier.
Thank you,
[redacted]

I have purchased auto insurance for the first time with this company and got in an accident a month ago and totaled the car. I have not received any communication or communication from the agent. I would not recommend this company to anyone who needs to be insured against damage.

Initial Business Response /* (1000, 8, 2015/05/04) */
Mr.[redacted] estimate was approved on 04/23/2015 and a check was sent the same day. This claim is closed, per our database.
We sincerely apologize for the lack of communication between our company and our insured.
Thank you,
Nick [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]

Complaint: [redacted]It is not my problem if you have issues with out of state clients and who they let drive there vehicles! This is why people have insurance. Maybe you should not be doing business out of state. Your agent told us that this is what the amount is and the body shop should contact us if there are any additional costs for repairs.  You insured your client so you are responsible for damages that he accurse to other vehicles and property. Seems like your company has a very bad track record and reputation when it comes to dealing with insurance. I will be perusing this matter in small claims court and you will be hearing from a lawyer. Don't be surprised if your local News company comes walking in your front lobby asking questions and  has a write up about how you screw people out of there claims. 
I am rejecting this response because:
Sincerely,
[redacted]

Revdex.com:
I have reviewed the response made...

by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Lighthouse Casualty did extend an offer to me and after not answering the phone for over a week I received paperwork in the mail. A week later I received a phone call confirming that the check would be cut and sent to me. I have now received a check for my loss and rental car bill.
Sincerely,
Michael [redacted]

We are very happy to hear that our supervisor was able to work with the complainant to a satisfactory resolution. His car will not be in the shop for very long so he should have it back within a reasonable amount of time.
Thank you,
[redacted]

The complaint number is [redacted]-[redacted].Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.
Mr. [redacted]' claim was filed on 01/10/16, and our resolution is well within the 60 day guideline set by the IL Department of Insurance. As of Wednesday, 02/03/15, the complainant had been notified that his estimate was approved. The...

adjuster is speaking with him today about the process to have the repairs done and resolving his claim completely. Thank you,
[redacted]

What you should know if you are ever involved in a accident with somebody that is insured by Lighthouse auto insurance. While driving one night my 2006 Ford van was broadsided on the left side by a auto that blew a red traffic light. The driver who was later cited by the village of Palos Hills Police for disobeying a traffic light was insured by Lighthouse ins. Co. When I went to court the defendant pleaded guilty to causing the accident and was given a small fine. Ok after I filed a claim with Lighthouse they sent me to a body shop to have an estimate on the damage to my van. Est was done for the amount of $2455.00 for the repairs. I waited to here from Lighthouse ins. After about 6 weeks an agent at Lighthouse ( Audrey [redacted] ) contacted me about my claim I filed with her ins. Company Lighthouse. Mrs [redacted] told me she is just waiting to here from the man who hit my van to return a question form she sent him. Another 2 weeks went by and no call from Lighthouse about my claim. I left 3 more messages for mrs. [redacted] none were returned in regards to the damage claim that was now 6 months old. So I started doing the repairs on the van and I paid for them out of pocket. After I had most of the damage on my van repaired witch I paid for. I received a letter from Lighthouse saying that my claim had been denied signed by Audrey [redacted].

Per the claim notes, we have attempted contact with the complainant or her carrier adjuster throughout this week. We did receive the photos sent on 08/23 but cannot open the files. We need the photos sent over in a different file format or PDF. Lighthouse reached out to the complainant on 08/22 & 08/30. The adjuster also attempted to contact the claimant's carrier on 08/28 and 08/29.Thank you,[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]

Complaint: [redacted]
I am rejecting this response because:I only got one call from Lighthouse since this message was received on 8/22. They told me they needed me to send pictures and a copy from the estimate I did with my insurance to them, which I did on 8/23. I have not heard from them since then and I don't feel as though this will get resolved if they are "waiting on documents from their insured" What if they never come? Then what is supposed to happen, and why haven't I been contacted since I sent in the pictures of the damages and estimate report? I just feel as though I am going to be stuck in the same situation that led to me submitting this complaint in the first place.
Sincerely,
[redacted]

The body shop was contacted as of 01/24/17 to move forward with the repairs. The adjuster has also explained to the complainant that once we receive the rental receipt, we will issue a check for reimbursement; at this time Lighthouse has not received the rental receipt. If the complainant emails it directly to me at n[redacted]@producersnational.com, I will forward it to the appropriate adjuster and make certain that the check is issued in a timely manner. As was explained to the complainant before, Lighthouse will only reimburse starting from the time his vehicle was taken in for repairs.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.We can certainly understand the complainant's frustration. While we would like to have had this claim completed in a more timely manner, we are waiting on a response from the IL Secretary of State's office. We have sent our letter twice to...

them and have not heard back. While this can be a lengthy process, Lighthouse cannot complete its investigation until we receive this documentation. Lighthouse representatives have explained this to the complainant and she has said she understands, as noted in the claims notes. We apologize for the inconvenience.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.
This claim was filed on 08/01/2016 and by the IL Department of Insurance guideline, we are well within the 60 day timeframe allowed to move a claim toward resolution filed by a claimant. Due to extenuating issued with the purchase...

of the vehicle and guidelines set forth by our policy, we are waiting on specific information from the insured. We can understand if the complainant is frustrated but we have a fiduciary duty to our insured to provide a full investigation of the claim. Once we have provided this service to our customer, we will be able to make a strong decision on the claim. Without the full information, we would not be able to fulfill this function. Lighthouse is sure the complainant would want her company to do the same for her in the same situation.Best,
[redacted]

I work in a dealership. I have made 8 attempts to contact two different adjusters about a claim. I have left so many messages for these people that I cant count them. I literally sat on hold for 24 minutes and was then cut off the line. I called right back and again waited on hold for 28 minutes and finally got someone on the line. They said they would call back. Never have yet. I called the following day and waited on hold for 34 minutes before I couldn't waste anymore time and left a message. We are still not any further with this claim than we were on day 1. I would never recommend this insurance. Maybe someone will respond to this review.