Thank you for sending the complaint filed by Mr. [redacted],
which we received on November 17, 2015. We understand that
he
would like additional details surrounding a change in premium. We
appreciate the opportunity to address
his concerns.The changes to...
Mr. [redacted]’s premium are
due to a rate revision that was filed with the Ohio Department of Insurance and
became effective for policy terms beginning on or after March 10, 2015. The
overall change for our homeowners program was 4.7 %; however, the realignment
of our rates affects each policyholder differently based on the individual
characteristics of their policy. Statistical data is collected and
analyzed periodically to determine if the rates being charged are adequate to
cover future losses and operating expenses. Our recent analysis showed that a
rate increase was necessary to support our projected claims and operating
expenses in Ohio. Our analysis involved an evaluation of many important
insurance risk factors, such as: the exposure to all of the various perils
covered by the homeowner’s policy, the geographic location of each risk, and
the specific characteristics of the insured dwelling and homeowner. The rate
increase was necessary for us to continue to provide the same high-quality, comprehensive
coverage on which our clients have come to rely. Mr. [redacted] expressed concern
about his premium increasing because he filed a claim. While his individual premium was not
increased because of the claim, loss information is one category of statistics
used when analyzing and setting our overall rates. We regret that Mr. [redacted] was
dissatisfied with the adjusting service we engaged on his claim. We will review the service records and provide
any necessary feedback to improve future interactions. If you have any questions about this
information, you may contact our Client Service department at ###-###-####.
Thank you for sending the complaint filed by Mr. [redacted], which we received on April 13, 2015. Weunderstand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.Mr. [redacted] reported this claim on March 19, 2015. We assigned an independent appraiser to inspect thedamages to his vehicle. On March 25,2015, we contacted Mr. [redacted] to inform him his vehicle wasdeemed a total loss, and we offered to pay $7,644.72 less his $1,000 deductible to settle his claim. Hesaid the offer was not acceptable and the loan on the vehicle was greater than our offer. He also inquiredabout filing the claim with the responsible party's insurance company - which we said he could do.We followed up with Mr. [redacted] on March 26, 2015, to discuss the settlement further. We also informedhim we wanted to have his vehicle removed from the repair facility where it was located so we couldassist him in mitigating the storage costs that were incurring.On March 27,2015, Mr. [redacted] informed us that he wanted to move the vehicle to another location andfile his claim with the responsible party's insurance company. Therefore, we verified the charges with the 'repair facility, and we overnighted them a check to release the vehicle so, per his request, Mr. [redacted]could take possession of his vehicle.We received an email from Mr. [redacted] on April 7, 2015, demanding $38,000 to settle his total loss claim.We obtained an additional vehicle evaluation, which increased our offer to $7,897 less his $1,000deductible. We sent our revised offer with the supporting documentation to Mr. [redacted]. We alsoexplained that if he files his claim with us and does not agree with our evaluation he has the right toinvoke the appraisal clause in the policy as way to resolve this difference.On April 14, 2015, we sent Mr. [redacted] another communication outlining our current offer and reiteratinghis right to invoke the appraisal clause to resolve this difference.
Thank you for sending the complaint filed by Ms. Amy [redacted] and Rebecca [redacted], which we receivedon 10/04/2016. We understand that she feels there was a delay processing the claim. We appreciate theopportunity to address her concerns.In further discussion with Ms. [redacted]’s and Ms. [redacted]’s contractor we were able to come to anagreement on repairs on October 3, 2016. We also authorized housing for Ms. [redacted] and Ms. [redacted]. OnOctober 3, 2016, we advised to save their invoices and submit for reimbursement. At this time we havebeen able reached desired resolutions outlined by Ms. [redacted] and Ms. [redacted].If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the
complaint filed by Mr. [redacted], which we received on March 7, 2016. We
understand that he feels there was a delay processing the claim. We appreciate
the opportunity to address his concerns. Mr. [redacted] filed a claim on
January 25, 2016, under his home policy...
for items stolen from his vehicle on
January 24, 2016. We explained the claim process to Mr. [redacted] on January 26,
2016, including our need for a police report; we also sent this information in
writing the same day. On February 3, 2016, we reminded
Mr. [redacted] in an email that we were waiting to receive the police report and
would need it prior to considering any payment to him. We advised that while we
had requested the report, if he wanted to expedite the process, he could obtain
a copy and route it to us. We spoke with Mr. [redacted] on
February 17, 2016, and reiterated this information. Mr. [redacted] obtained the
report and sent it to us on February 18, 2016.
That same day, we issued a payment to him for $3,429.75 as follows: Replacement Cost Value $6,113.23 (cost to repair/replace the property with property of equivalent kind and quality at the time of loss) Recoverable Depreciation ($683.48) • Actual Cash Value
$5,429.75 • Deductible ($2,000.00) • Total payment
$3,429.75 (decrease or loss in value, relating to age, wear or market conditions) The police report and supporting
documents we requested are vital to our claims investigation and they are proof
of recovery if the perpetrator is identified at a future date. If you have any questions about
this information, you may contact me at ###-###-####, Ext. [redacted]. Sincerely, Scott [redacted] Scott [redacted] IDS Property Casualty Insurance
Company Ameriprise Auto & Home
Insurance
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 25, 2015.We understand that he feels there was a delay processing the claim. We appreciate the opportunity toaddress his concerns.When our insured, Mr. [redacted], filed this claim on May 22, 2015, he did...
not provide us with Mr.[redacted]'s contact information. According to our file notes, we lacked this information until June 15,2015, when we spoke with Mr. [redacted].On June 24, 2015, we obtained a statement regarding the accident details from Mr. [redacted]. At that time,we requested Mr. [redacted] forward us photographs of the damage to his bicycle and receipts to assist usin detennining the repair or replacement cost for his bicycle.We are currently attempting to reach our insured for his statement as to how the accident happened. Oncewe have our insured's statement as well as receipts and photos ofMr. [redacted]'s bicycle, we will be in aposition to determine liability for this accident. Once our determination is reached, we will promptlyadvise Mr. [redacted] of our decision on this claim.As of June 26, 2015, we have not received any information relating to the damages to Mr. [redacted]'sbicycle. Additionally, we assigned an injury adjuster to resolve Mr. [redacted]'s injury claim oncetreatment is complete. The adjuster will contact Mr. [redacted] in the coming days to discuss the process.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I could NOT accept the response. Because the hole with dirt was enclosed the drywall under the staircase. The home inspection conducted in Dec 2013 is not accurate and correct at all.
Regards,
[redacted] **
Thank you for sending the complaint filed by Mr. [redacted], which we received on August 26, 2016. We understand that he feels there was a delay processing the claim. We appreciate the opportunity to address his concerns.Mr. [redacted] was concerned about the fact that the policy purchased by...
Ms. [redacted] on-line through Progressive was underwritten and serviced by IDS Property Casualty Insurance Company. The website contains verbiage that clarifies the insurance is underwritten by us, and explains where we are located. A confirmation of the purchase is provided and it includes the coverages the buyer chose in the transaction. All policy quotes, declaration pages of the policies, new business and renewal business documents and any other written correspondence clearly lists our company information.As of the date of this letter, we paid Mr. [redacted] $97,480 and that amount by coverage under his Homeowner policy is as follows:Coverage A /Dwelling: total paid $47,647.13 (Includes emergency services, Althouse Restore, invoice paid $532.55 on July 1, 2016)Replacement Cost Value: $55,088.56Depreciation: $ 6,973.98Actual Cash Value: $48,114.58Deductible: $ 1,000.00Payment: $47,114.58 Payment issued July 8, 2016It was determined during the site inspection that the structure components/framing members were not physically damaged by fire, rather, the interior materials/finishings needed to be removed and replaced with like kind and quality material/finishings. No visible fire damage was found to the exterior or the roofing system or surface.Coverage C/Contents: total paid $46,238.91NOTE: the full amount of Contents Insurance applicable to the property for which the claim was presented is $68,880.00Cost to Repair or Replace Contents $80,385.09Depreciation Amount $32,944.72Actual Cash Value $47,440.37Covered Loss at Actual Cash Value $47,440.37Settlement Amount $47,440.37Advance Payment of June 24, 2016 $ 5, 000.00Final Payment August 24, 2016 $42,440.37We issued a $5,000.00 initial payment to the customer on June 24th, 2016.We issued two Coverage C payments on August 24, 2016 as follows:Computer $ 1,201.46Personal Property $41,238.91Coverage D/ALE (Additional Living Expense): total paid to date based on receipts received from the insured $2,392.50Hotel receipt: $1667.50 IssuedJuly 21, 2016Additional receipts for ALE: $ 725.00 Issued August 25, 2016The outstanding items that exist on Mr. [redacted]’s claim are:Coverage A- Recoverable depreciation -$ 6,973.98Coverage C- Recoverable depreciation - $21,439.63, up to the $68,800 policy limitALE: additional amounts unknown at this timeMr. [redacted] received a spreadsheet outlining his payments and a letter explaining how to claim his recoverable depreciation by submitting invoices, cancelled checks or other supporting documents.If you have any questions about this information, you may contact me at ###-###-####, Ext. 6698.Sincerely,[redacted] Home Claims Divisional ManagerIDS Property Casualty Insurance Company
Thank you for sending the complaint filed by Mr. Balwant Singh, which we received on June 7, 2016. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.We inspected Mr. Singh’s 2008 Honda Accord and determined it is a total loss...
with an actual cash value of $5,538.39 including taxes and appropriate fees. Mr. Singh is of the opinion that his vehicle has a much higher actual cash value but has not supplied any supporting documents for a similar vehicle keeping in mind mileage and condition.We inspected the vehicle and it should be noted that it has a branded or salvage title and has damage from a prior impact that is noticeable from the exterior. When determining the vehicle value, these two components constitute a deduction of approximately $6,000.We maintain our offer to Mr. Singh. Again, if he has documents he would like us to review, we are willing to do so.If you have any questions about this information, you may contact me at 1 (800) 872-5246 Ext. 6557
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] Thank you very much for the response!Unfortunately I have explained why I didn't contact Ameriprise earlier about the unilateral cancellation action by Ameriprise before October in my last response. I am trying my best to explain this again. Since the prerequisite conditions didn't meet or satisfy per Ameriprise policy which are 1) the effective of [redacted] house policy doesn't exist; 2) [redacted] house is still the primary residency.Therefore the cancellation of the [redacted] house is completely a mistake by Ameriprise. Why should we take immediate action or quick response to something that is purely a mistake?? Again, please help correct the mistake and be responsible to reinstate the policy without any changes needed asap without further delay!!! Thank you very much for your attention!
Thank you for sending the complaint filed by Mr. [redacted], which we received on October 11, 2016.We understand that he feels there was a delay processing the claim. We appreciate the opportunity toaddress his concerns.Our investigation of [redacted]’s claim is ongoing. We are in communication with [redacted]...
** andwill keep him informed of the status of his pending claim is it progresses towards conclusion.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on January 27,2015. We understand that he feels there was a delay processing the claim. We appreciate the opportunityto address his concerns.On December 31,2014, Mr. [redacted] reported that on December 25, 2014, our...
insured, Mr. [redacted],swerved into his lane and struck the driver-side rear of his vehicle. During that conversation, we obtaineda statement from Mr. [redacted] and confirmed there were no witnesses and no police report. We explainedthat we needed to speak to our insured to confirm the details of the loss prior to accepting anyresponsibility. That same day we also scheduled a vehicle inspection, which was subsequently approvedon January 8, 2015.On December 31, 2014, we left a message for our insured to contact us. We followed up with our insuredon January 13, 2015, in an attempt to obtain a statement. We also left a message for Mr. [redacted]explaining we still needed the statement from our insured to complete the investigation. Mr. [redacted]called on the January 14, 2015, and we confirmed liability was still pending.Our insured called us on January 15, 2015, but, unfortunately, the claim representative was unavailable totake the statement. We called the insured back the same day to obtain a statement, but had to leave amessage. After unsuccessfully attempting to call our insured again on January 16, 2015, we emailed astatement form to the insured to expedite the claim process. We also spoke to Mr. [redacted] and confirmedthat we still needed the insured's statement to process the claim.On January 21 , 2015, our insured called and we advised him that we attempted to reach him by phone andemail. Our insured stated he did not receive the email and provided an alternate email address. Weforwarded the statement form to this email address on January 26, 2015, and we also spoke to Mr. [redacted]to inform him of the claim status. On January 27, 2015, we sent a status letter to Mr. [redacted] wherein weconfirmed we are still awaiting insured statement.On January 30, 2015 our insured returned the statement form in which he admits being at fault for thisaccident. Consequently, we have accepted full liability for the loss 011 behalf of our insured, and we haveissued Mr. [redacted] a settlement check in the amount of $4,743.34.We understand that Mr. [redacted] is frustrated with the length of tune it has taken to resolve this matter. Itis always our intention to handle all claims efficiently but, in this case, we needed extra time to obtain ourinsured' s statement. Regrettably, without an independent witness and police report, we required theinsured's statement to properly investigate the loss.If you have any questions about this information, you may contact me at * ###-###-####, Ext. [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, it was a someone else who had geico insurance had not at fault accident with his car in Mar 2016. He went to other person's insurance resolved problem. It was nothing to do with me or my driving record and it was not incident through my insurance. Why do you consider it was my fault? Only because he is a second driver of my car? You increased my insurance premium for second time because this is considered my driving history? That is just wrong! Please explain.
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
[redacted]
Their claims on how the quote was handled are bogus.After I confirmed that I wanted to buy their insurance, they started asking for different paper work. They asked for my daughters' insurance even though they would not be on the policy, they asked for me to get the same coverage that they have on their insurance, what bearing does one thing have with the other?At the end when I asked foe a quote with the same terms as my daughters coverage (lower coverage than originally quoted) I asked the agent that to charge my credit card. Her reply was "not so fast, I wish it was that easy, I need to know who drives which car. I replied with " my mother drives the Versa I drive the Infiniti as it was stated in the application that I filled out"That application with the info was filled out a month prior to this happening.Furthermore, on their response they say they quoted me a different price, they never did. after the last e-mail I never heard an answer. When I reviewed the letter the premium had gone up from their original quote at 1/3 the coverage. A typical bait and switch strategy.I did receive a phone call from a Steve at Ameriprise on 10/29, a Saturday morning inquiring about their quote. I told Steve that they provide a lousy service and I would not buy their insurance.No I am not satisfied with their answer, I got the runaround from them for a month.Nobody should go through this trying to procure a service. should
Dear Mr. [redacted]:Thank you for sending the complaint filed by Mr. [redacted], which we received on December 15,2015. We understand that he would like additional details surrounding a change in premium. Weappreciate the opportunity to address his concerns, and believe the following timeline will...
help provideclarity.• On November 30, 2015, Mr. [redacted] contacted us requesting a quote to add his daughter, [redacted], to hispolicy. We confirmed that [redacted] lived in the same household as Mr. [redacted]. We advised that [redacted] metthe definition of an insured person according to the policy book, and if Mr. [redacted] did not want [redacted]added to the policy then we needed proof that she had her own insurance policy with Bodily Injurylimits equal to or greater than those on Mr. [redacted]’s policy. We allowed Mr. [redacted] seven business daysto send the requested information.For your reference, the definition of an insured person per Mr. [redacted]’s policy book is: a) You or arelative; b) a person using your insured car.• On December 9, 2015, we added [redacted] to the policy because we had not received proof of insurancefor her.• On December 14, 2015, Mr. [redacted] spoke to a supervisor requesting [redacted]’s removal from the policy.We were unable to do so because we had not received proof of insurance for her. We advised Mr.[redacted] what we needed in order to remove [redacted], and we emailed him a copy of his policy book whichincluded the definition of an insured person.• On December 15, 2015, Mr. [redacted] emailed us a document from [redacted]’s insurance company.Unfortunately, it was not acceptable proof because it did not state the Bodily Injury limits. Weresponded to Mr. [redacted] by email advising that his documentation was unacceptable, and we explainedwhat we did need.• On December 15, 2015, Mr. [redacted] responded to our email requesting a phone call. We called and lefta voicemail.• As a goodwill gesture, I contacted [redacted]’s insurance company on December 18, 2015, to verballyobtain the information we needed and resolve this matter for Mr. [redacted]. Unfortunately, they wereunwilling to provide any information without [redacted] first providing permission.Without being able to confirm if [redacted] has Bodily Injury limits equal to or greater than those on Mr.[redacted]’s policy, we are unable to process the request to remove her from the policy.We regret that Mr. [redacted] is frustrated by the addition of his daughter to his policy. This requirement isdesigned to help ensure that he has adequate protection in the event of a claim, and that we are providingrates that correctly correspond to the level of risk we are insuring. We appreciate that he has been a longtermcustomer and we value his business. We look forward to receiving the necessary documentation sowe can resolve this matter for him.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,Mathew [redacted]Mathew [redacted]IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Ms. Jessica [redacted], which we received on January 27, 2016.We understand that she disagrees with our determination of liability. We appreciate the opportunity toaddress her concerns.We agree that our driver carries the majority of negligence for the...
accident of December 1, 2015. Ourdriver failed to yield the right of way to oncoming traffic as she entered SR 161. However, Mr. Kyle[redacted] also had responsibility as he travelled on SR 161. We assigned 10% of the fault to Mr. [redacted] forimproper lookout and speed. Mr. [redacted] was aware that traffic in the right lane had stopped, yet heproceeded at a speed of 30-35mph in rainy conditions. He stated he had no obstructions to his view, yetdid not see our insured vehicle until it was one half of a car length in front of him.Ms. [redacted]’s vehicle is a total loss, and we offered to pay 90% of her damages. We suggested that if shedid not want to accept our offer, she could file a claim with her own insurance company, [redacted].On January 27, 2016, Ms. [redacted] notified us she was accepting our total loss offer with the 10%negligence assessed. Therefore, on January 28, 2016, we paid Ms. [redacted] as follows: Actual Cash Value of [redacted] $6,499.00 9.10% sales tax + $591.41 Additional fees (registration, license, title) + $75.62 10% liability assessment - $716.60 Total settlement amount $6,449.43If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on April 2, 2015.We understand that she feels there was a delay processing the claim. We appreciate the opportunity toaddress her concerns.We received the notice of loss on February 20, 2015. We assigned ICA Claims to...
contact Ms. [redacted] todiscuss the full extent of damage and to coordinate an inspection. ICA inspected the home on February23,2015. The adjuster observed damage from a frozen pipe that burst causing water damage and createdan estimate for the needed repairs. Due to some difficulties identifying the product used on Ms.[redacted]'s floors, a sample was sent to Itel to confinn both the identification and pricing of the existingflooring.ICA completed their estimate and forwarded it to us for review on March 28, 2015. We have completedour review of it and have approved the repairs in the amount of $13, 193.97, less the policy deductible of$1,000. Payment is being issued today, and ICA will follow up with Ms. [redacted] to discuss the repairsand payment.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on April 22, 2015.After a discussion with Ms. [redacted], we have agreed to continue her auto policy at the rate she wasoriginally quoted on December 8, 2014.Ms. [redacted] has been advised that her premium will remain the...
same, and she was pleased with theoutcome of this matter. We regret there was any confusion regarding our requirements.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on June 6, 2016. We understand that she disagrees with our decision regarding the claim. We appreciate the opportunity to address her concerns.Ms. [redacted]’s vehicle sustained minimal rear damage, estimated at $438,...
which we agree was caused by an unknown party striking her vehicle in the rear. However, the extensive front end damage, the vehicle has been deemed a total loss, was the result of actions by the driver of her vehicle. Ms. [redacted] told us she was slowing in traffic with her foot still on the accelerator when she was struck in the rear. After the impact, her foot remained on the accelerator, and she choose to make a right turn travelling over the curb on the west side of the intersecting street, striking one light pole, making a U-turn, travelling over the curb on the east side of the street and striking a second light pole. Ms. [redacted] reported travelled 50 feet after the minor impact to the rear of the vehicle she was driving.We maintain that this is an at-fault accident and we understand this is not the result Ms. [redacted] desires. We appreciate her tenure with our company and hope to retain her as a customer. However, we must accurately evaluate the facts of each loss and in this case, her driver exhibited negligent actions in failing to apply the brakes, and failure to control the vehicle resulting in significant vehicle damage.If you have any questions about this information, you may contact me at ###-###-####, Ext. 5201.
Thank you for sending the complaint filed by Mr. [redacted],
which we received on November 17, 2015. We understand that
he
would like additional details surrounding a change in premium. We
appreciate the opportunity to address
his concerns.The changes to...
Mr. [redacted]’s premium are
due to a rate revision that was filed with the Ohio Department of Insurance and
became effective for policy terms beginning on or after March 10, 2015. The
overall change for our homeowners program was 4.7 %; however, the realignment
of our rates affects each policyholder differently based on the individual
characteristics of their policy. Statistical data is collected and
analyzed periodically to determine if the rates being charged are adequate to
cover future losses and operating expenses. Our recent analysis showed that a
rate increase was necessary to support our projected claims and operating
expenses in Ohio. Our analysis involved an evaluation of many important
insurance risk factors, such as: the exposure to all of the various perils
covered by the homeowner’s policy, the geographic location of each risk, and
the specific characteristics of the insured dwelling and homeowner. The rate
increase was necessary for us to continue to provide the same high-quality, comprehensive
coverage on which our clients have come to rely. Mr. [redacted] expressed concern
about his premium increasing because he filed a claim. While his individual premium was not
increased because of the claim, loss information is one category of statistics
used when analyzing and setting our overall rates. We regret that Mr. [redacted] was
dissatisfied with the adjusting service we engaged on his claim. We will review the service records and provide
any necessary feedback to improve future interactions. If you have any questions about this
information, you may contact our Client Service department at ###-###-####.
Thank you for sending the complaint filed by Mr. [redacted], which we received on April 13, 2015. Weunderstand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.Mr. [redacted] reported this claim on March 19, 2015. We assigned an independent appraiser to inspect thedamages to his vehicle. On March 25,2015, we contacted Mr. [redacted] to inform him his vehicle wasdeemed a total loss, and we offered to pay $7,644.72 less his $1,000 deductible to settle his claim. Hesaid the offer was not acceptable and the loan on the vehicle was greater than our offer. He also inquiredabout filing the claim with the responsible party's insurance company - which we said he could do.We followed up with Mr. [redacted] on March 26, 2015, to discuss the settlement further. We also informedhim we wanted to have his vehicle removed from the repair facility where it was located so we couldassist him in mitigating the storage costs that were incurring.On March 27,2015, Mr. [redacted] informed us that he wanted to move the vehicle to another location andfile his claim with the responsible party's insurance company. Therefore, we verified the charges with the 'repair facility, and we overnighted them a check to release the vehicle so, per his request, Mr. [redacted]could take possession of his vehicle.We received an email from Mr. [redacted] on April 7, 2015, demanding $38,000 to settle his total loss claim.We obtained an additional vehicle evaluation, which increased our offer to $7,897 less his $1,000deductible. We sent our revised offer with the supporting documentation to Mr. [redacted]. We alsoexplained that if he files his claim with us and does not agree with our evaluation he has the right toinvoke the appraisal clause in the policy as way to resolve this difference.On April 14, 2015, we sent Mr. [redacted] another communication outlining our current offer and reiteratinghis right to invoke the appraisal clause to resolve this difference.
Thank you for sending the complaint filed by Ms. Amy [redacted] and Rebecca [redacted], which we receivedon 10/04/2016. We understand that she feels there was a delay processing the claim. We appreciate theopportunity to address her concerns.In further discussion with Ms. [redacted]’s and Ms. [redacted]’s contractor we were able to come to anagreement on repairs on October 3, 2016. We also authorized housing for Ms. [redacted] and Ms. [redacted]. OnOctober 3, 2016, we advised to save their invoices and submit for reimbursement. At this time we havebeen able reached desired resolutions outlined by Ms. [redacted] and Ms. [redacted].If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the
complaint filed by Mr. [redacted], which we received on March 7, 2016. We
understand that he feels there was a delay processing the claim. We appreciate
the opportunity to address his concerns. Mr. [redacted] filed a claim on
January 25, 2016, under his home policy...
for items stolen from his vehicle on
January 24, 2016. We explained the claim process to Mr. [redacted] on January 26,
2016, including our need for a police report; we also sent this information in
writing the same day. On February 3, 2016, we reminded
Mr. [redacted] in an email that we were waiting to receive the police report and
would need it prior to considering any payment to him. We advised that while we
had requested the report, if he wanted to expedite the process, he could obtain
a copy and route it to us. We spoke with Mr. [redacted] on
February 17, 2016, and reiterated this information. Mr. [redacted] obtained the
report and sent it to us on February 18, 2016.
That same day, we issued a payment to him for $3,429.75 as follows: Replacement Cost Value $6,113.23 (cost to repair/replace the property with property of equivalent kind and quality at the time of loss) Recoverable Depreciation ($683.48) • Actual Cash Value
$5,429.75 • Deductible ($2,000.00) • Total payment
$3,429.75 (decrease or loss in value, relating to age, wear or market conditions) The police report and supporting
documents we requested are vital to our claims investigation and they are proof
of recovery if the perpetrator is identified at a future date. If you have any questions about
this information, you may contact me at ###-###-####, Ext. [redacted]. Sincerely, Scott [redacted] Scott [redacted] IDS Property Casualty Insurance
Company Ameriprise Auto & Home
Insurance
Thank you for sending the complaint filed by Mr. [redacted], which we received on June 25, 2015.We understand that he feels there was a delay processing the claim. We appreciate the opportunity toaddress his concerns.When our insured, Mr. [redacted], filed this claim on May 22, 2015, he did...
not provide us with Mr.[redacted]'s contact information. According to our file notes, we lacked this information until June 15,2015, when we spoke with Mr. [redacted].On June 24, 2015, we obtained a statement regarding the accident details from Mr. [redacted]. At that time,we requested Mr. [redacted] forward us photographs of the damage to his bicycle and receipts to assist usin detennining the repair or replacement cost for his bicycle.We are currently attempting to reach our insured for his statement as to how the accident happened. Oncewe have our insured's statement as well as receipts and photos ofMr. [redacted]'s bicycle, we will be in aposition to determine liability for this accident. Once our determination is reached, we will promptlyadvise Mr. [redacted] of our decision on this claim.As of June 26, 2015, we have not received any information relating to the damages to Mr. [redacted]'sbicycle. Additionally, we assigned an injury adjuster to resolve Mr. [redacted]'s injury claim oncetreatment is complete. The adjuster will contact Mr. [redacted] in the coming days to discuss the process.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I could NOT accept the response. Because the hole with dirt was enclosed the drywall under the staircase. The home inspection conducted in Dec 2013 is not accurate and correct at all.
Regards,
[redacted] **
Thank you for sending the complaint filed by Mr. [redacted], which we received on August 26, 2016. We understand that he feels there was a delay processing the claim. We appreciate the opportunity to address his concerns.Mr. [redacted] was concerned about the fact that the policy purchased by...
Ms. [redacted] on-line through Progressive was underwritten and serviced by IDS Property Casualty Insurance Company. The website contains verbiage that clarifies the insurance is underwritten by us, and explains where we are located. A confirmation of the purchase is provided and it includes the coverages the buyer chose in the transaction. All policy quotes, declaration pages of the policies, new business and renewal business documents and any other written correspondence clearly lists our company information.As of the date of this letter, we paid Mr. [redacted] $97,480 and that amount by coverage under his Homeowner policy is as follows:Coverage A /Dwelling: total paid $47,647.13 (Includes emergency services, Althouse Restore, invoice paid $532.55 on July 1, 2016)Replacement Cost Value: $55,088.56Depreciation: $ 6,973.98Actual Cash Value: $48,114.58Deductible: $ 1,000.00Payment: $47,114.58 Payment issued July 8, 2016It was determined during the site inspection that the structure components/framing members were not physically damaged by fire, rather, the interior materials/finishings needed to be removed and replaced with like kind and quality material/finishings. No visible fire damage was found to the exterior or the roofing system or surface.Coverage C/Contents: total paid $46,238.91NOTE: the full amount of Contents Insurance applicable to the property for which the claim was presented is $68,880.00Cost to Repair or Replace Contents $80,385.09Depreciation Amount $32,944.72Actual Cash Value $47,440.37Covered Loss at Actual Cash Value $47,440.37Settlement Amount $47,440.37Advance Payment of June 24, 2016 $ 5, 000.00Final Payment August 24, 2016 $42,440.37We issued a $5,000.00 initial payment to the customer on June 24th, 2016.We issued two Coverage C payments on August 24, 2016 as follows:Computer $ 1,201.46Personal Property $41,238.91Coverage D/ALE (Additional Living Expense): total paid to date based on receipts received from the insured $2,392.50Hotel receipt: $1667.50 IssuedJuly 21, 2016Additional receipts for ALE: $ 725.00 Issued August 25, 2016The outstanding items that exist on Mr. [redacted]’s claim are:Coverage A- Recoverable depreciation -$ 6,973.98Coverage C- Recoverable depreciation - $21,439.63, up to the $68,800 policy limitALE: additional amounts unknown at this timeMr. [redacted] received a spreadsheet outlining his payments and a letter explaining how to claim his recoverable depreciation by submitting invoices, cancelled checks or other supporting documents.If you have any questions about this information, you may contact me at ###-###-####, Ext. 6698.Sincerely,[redacted] Home Claims Divisional ManagerIDS Property Casualty Insurance Company
Thank you for sending the complaint filed by Mr. Balwant Singh, which we received on June 7, 2016. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.We inspected Mr. Singh’s 2008 Honda Accord and determined it is a total loss...
with an actual cash value of $5,538.39 including taxes and appropriate fees. Mr. Singh is of the opinion that his vehicle has a much higher actual cash value but has not supplied any supporting documents for a similar vehicle keeping in mind mileage and condition.We inspected the vehicle and it should be noted that it has a branded or salvage title and has damage from a prior impact that is noticeable from the exterior. When determining the vehicle value, these two components constitute a deduction of approximately $6,000.We maintain our offer to Mr. Singh. Again, if he has documents he would like us to review, we are willing to do so.If you have any questions about this information, you may contact me at 1 (800) 872-5246 Ext. 6557
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted] Thank you very much for the response!Unfortunately I have explained why I didn't contact Ameriprise earlier about the unilateral cancellation action by Ameriprise before October in my last response. I am trying my best to explain this again. Since the prerequisite conditions didn't meet or satisfy per Ameriprise policy which are 1) the effective of [redacted] house policy doesn't exist; 2) [redacted] house is still the primary residency.Therefore the cancellation of the [redacted] house is completely a mistake by Ameriprise. Why should we take immediate action or quick response to something that is purely a mistake?? Again, please help correct the mistake and be responsible to reinstate the policy without any changes needed asap without further delay!!! Thank you very much for your attention!
Thank you for sending the complaint filed by Mr. [redacted], which we received on October 11, 2016.We understand that he feels there was a delay processing the claim. We appreciate the opportunity toaddress his concerns.Our investigation of [redacted]’s claim is ongoing. We are in communication with [redacted]...
** andwill keep him informed of the status of his pending claim is it progresses towards conclusion.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted], which we received on January 27,2015. We understand that he feels there was a delay processing the claim. We appreciate the opportunityto address his concerns.On December 31,2014, Mr. [redacted] reported that on December 25, 2014, our...
insured, Mr. [redacted],swerved into his lane and struck the driver-side rear of his vehicle. During that conversation, we obtaineda statement from Mr. [redacted] and confirmed there were no witnesses and no police report. We explainedthat we needed to speak to our insured to confirm the details of the loss prior to accepting anyresponsibility. That same day we also scheduled a vehicle inspection, which was subsequently approvedon January 8, 2015.On December 31, 2014, we left a message for our insured to contact us. We followed up with our insuredon January 13, 2015, in an attempt to obtain a statement. We also left a message for Mr. [redacted]explaining we still needed the statement from our insured to complete the investigation. Mr. [redacted]called on the January 14, 2015, and we confirmed liability was still pending.Our insured called us on January 15, 2015, but, unfortunately, the claim representative was unavailable totake the statement. We called the insured back the same day to obtain a statement, but had to leave amessage. After unsuccessfully attempting to call our insured again on January 16, 2015, we emailed astatement form to the insured to expedite the claim process. We also spoke to Mr. [redacted] and confirmedthat we still needed the insured's statement to process the claim.On January 21 , 2015, our insured called and we advised him that we attempted to reach him by phone andemail. Our insured stated he did not receive the email and provided an alternate email address. Weforwarded the statement form to this email address on January 26, 2015, and we also spoke to Mr. [redacted]to inform him of the claim status. On January 27, 2015, we sent a status letter to Mr. [redacted] wherein weconfirmed we are still awaiting insured statement.On January 30, 2015 our insured returned the statement form in which he admits being at fault for thisaccident. Consequently, we have accepted full liability for the loss 011 behalf of our insured, and we haveissued Mr. [redacted] a settlement check in the amount of $4,743.34.We understand that Mr. [redacted] is frustrated with the length of tune it has taken to resolve this matter. Itis always our intention to handle all claims efficiently but, in this case, we needed extra time to obtain ourinsured' s statement. Regrettably, without an independent witness and police report, we required theinsured's statement to properly investigate the loss.If you have any questions about this information, you may contact me at * ###-###-####, Ext. [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, it was a someone else who had geico insurance had not at fault accident with his car in Mar 2016. He went to other person's insurance resolved problem. It was nothing to do with me or my driving record and it was not incident through my insurance. Why do you consider it was my fault? Only because he is a second driver of my car? You increased my insurance premium for second time because this is considered my driving history? That is just wrong! Please explain.
Regards,
[redacted]
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
[redacted]
Their claims on how the quote was handled are bogus.After I confirmed that I wanted to buy their insurance, they started asking for different paper work. They asked for my daughters' insurance even though they would not be on the policy, they asked for me to get the same coverage that they have on their insurance, what bearing does one thing have with the other?At the end when I asked foe a quote with the same terms as my daughters coverage (lower coverage than originally quoted) I asked the agent that to charge my credit card. Her reply was "not so fast, I wish it was that easy, I need to know who drives which car. I replied with " my mother drives the Versa I drive the Infiniti as it was stated in the application that I filled out"That application with the info was filled out a month prior to this happening.Furthermore, on their response they say they quoted me a different price, they never did. after the last e-mail I never heard an answer. When I reviewed the letter the premium had gone up from their original quote at 1/3 the coverage. A typical bait and switch strategy.I did receive a phone call from a Steve at Ameriprise on 10/29, a Saturday morning inquiring about their quote. I told Steve that they provide a lousy service and I would not buy their insurance.No I am not satisfied with their answer, I got the runaround from them for a month.Nobody should go through this trying to procure a service. should
Dear Mr. [redacted]:Thank you for sending the complaint filed by Mr. [redacted], which we received on December 15,2015. We understand that he would like additional details surrounding a change in premium. Weappreciate the opportunity to address his concerns, and believe the following timeline will...
help provideclarity.• On November 30, 2015, Mr. [redacted] contacted us requesting a quote to add his daughter, [redacted], to hispolicy. We confirmed that [redacted] lived in the same household as Mr. [redacted]. We advised that [redacted] metthe definition of an insured person according to the policy book, and if Mr. [redacted] did not want [redacted]added to the policy then we needed proof that she had her own insurance policy with Bodily Injurylimits equal to or greater than those on Mr. [redacted]’s policy. We allowed Mr. [redacted] seven business daysto send the requested information.For your reference, the definition of an insured person per Mr. [redacted]’s policy book is: a) You or arelative; b) a person using your insured car.• On December 9, 2015, we added [redacted] to the policy because we had not received proof of insurancefor her.• On December 14, 2015, Mr. [redacted] spoke to a supervisor requesting [redacted]’s removal from the policy.We were unable to do so because we had not received proof of insurance for her. We advised Mr.[redacted] what we needed in order to remove [redacted], and we emailed him a copy of his policy book whichincluded the definition of an insured person.• On December 15, 2015, Mr. [redacted] emailed us a document from [redacted]’s insurance company.Unfortunately, it was not acceptable proof because it did not state the Bodily Injury limits. Weresponded to Mr. [redacted] by email advising that his documentation was unacceptable, and we explainedwhat we did need.• On December 15, 2015, Mr. [redacted] responded to our email requesting a phone call. We called and lefta voicemail.• As a goodwill gesture, I contacted [redacted]’s insurance company on December 18, 2015, to verballyobtain the information we needed and resolve this matter for Mr. [redacted]. Unfortunately, they wereunwilling to provide any information without [redacted] first providing permission.Without being able to confirm if [redacted] has Bodily Injury limits equal to or greater than those on Mr.[redacted]’s policy, we are unable to process the request to remove her from the policy.We regret that Mr. [redacted] is frustrated by the addition of his daughter to his policy. This requirement isdesigned to help ensure that he has adequate protection in the event of a claim, and that we are providingrates that correctly correspond to the level of risk we are insuring. We appreciate that he has been a longtermcustomer and we value his business. We look forward to receiving the necessary documentation sowe can resolve this matter for him.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,Mathew [redacted]Mathew [redacted]IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the complaint filed by Ms. Jessica [redacted], which we received on January 27, 2016.We understand that she disagrees with our determination of liability. We appreciate the opportunity toaddress her concerns.We agree that our driver carries the majority of negligence for the...
accident of December 1, 2015. Ourdriver failed to yield the right of way to oncoming traffic as she entered SR 161. However, Mr. Kyle[redacted] also had responsibility as he travelled on SR 161. We assigned 10% of the fault to Mr. [redacted] forimproper lookout and speed. Mr. [redacted] was aware that traffic in the right lane had stopped, yet heproceeded at a speed of 30-35mph in rainy conditions. He stated he had no obstructions to his view, yetdid not see our insured vehicle until it was one half of a car length in front of him.Ms. [redacted]’s vehicle is a total loss, and we offered to pay 90% of her damages. We suggested that if shedid not want to accept our offer, she could file a claim with her own insurance company, [redacted].On January 27, 2016, Ms. [redacted] notified us she was accepting our total loss offer with the 10%negligence assessed. Therefore, on January 28, 2016, we paid Ms. [redacted] as follows: Actual Cash Value of [redacted] $6,499.00 9.10% sales tax + $591.41 Additional fees (registration, license, title) + $75.62 10% liability assessment - $716.60 Total settlement amount $6,449.43If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on April 2, 2015.We understand that she feels there was a delay processing the claim. We appreciate the opportunity toaddress her concerns.We received the notice of loss on February 20, 2015. We assigned ICA Claims to...
contact Ms. [redacted] todiscuss the full extent of damage and to coordinate an inspection. ICA inspected the home on February23,2015. The adjuster observed damage from a frozen pipe that burst causing water damage and createdan estimate for the needed repairs. Due to some difficulties identifying the product used on Ms.[redacted]'s floors, a sample was sent to Itel to confinn both the identification and pricing of the existingflooring.ICA completed their estimate and forwarded it to us for review on March 28, 2015. We have completedour review of it and have approved the repairs in the amount of $13, 193.97, less the policy deductible of$1,000. Payment is being issued today, and ICA will follow up with Ms. [redacted] to discuss the repairsand payment.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on April 22, 2015.After a discussion with Ms. [redacted], we have agreed to continue her auto policy at the rate she wasoriginally quoted on December 8, 2014.Ms. [redacted] has been advised that her premium will remain the...
same, and she was pleased with theoutcome of this matter. We regret there was any confusion regarding our requirements.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Ms. [redacted], which we received on June 6, 2016. We understand that she disagrees with our decision regarding the claim. We appreciate the opportunity to address her concerns.Ms. [redacted]’s vehicle sustained minimal rear damage, estimated at $438,...
which we agree was caused by an unknown party striking her vehicle in the rear. However, the extensive front end damage, the vehicle has been deemed a total loss, was the result of actions by the driver of her vehicle. Ms. [redacted] told us she was slowing in traffic with her foot still on the accelerator when she was struck in the rear. After the impact, her foot remained on the accelerator, and she choose to make a right turn travelling over the curb on the west side of the intersecting street, striking one light pole, making a U-turn, travelling over the curb on the east side of the street and striking a second light pole. Ms. [redacted] reported travelled 50 feet after the minor impact to the rear of the vehicle she was driving.We maintain that this is an at-fault accident and we understand this is not the result Ms. [redacted] desires. We appreciate her tenure with our company and hope to retain her as a customer. However, we must accurately evaluate the facts of each loss and in this case, her driver exhibited negligent actions in failing to apply the brakes, and failure to control the vehicle resulting in significant vehicle damage.If you have any questions about this information, you may contact me at ###-###-####, Ext. 5201.