All Creatures' Inn Inc.

Response:
In response to the Revdex.com complaint submitted on 7/8/15 by Ms. [redacted] (“Ms. [redacted]”), with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”) is an insurance subrogation firm providing services on behalf of a...

number of the nation’s largest health/disability plans. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Texas. It should be noted that Trover Solutions is a Revdex.com Accredited Business with a A+ rating. 2. After review of Ms. [redacted]’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we have contacted her mother. 3. In this case, Trover’s client is [redacted] (“[redacted]”). Ms. [redacted]’s mother’s insurance is through [redacted] of Texas, a division of [redacted]. Trover is acting as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right. [redacted] Texas’ insurance contracts with its insureds expressly allow them to subcontract their rights to pursue potential subrogation claims. 4. After receiving and processing data files of paid claims provided by insurance companies (like [redacted] of Texas), Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the injury for which certain medical claims paid and processed through insurance. 5. While [redacted] TX (and Trover) knows that medical services were provided, they have NO information as to the cause of the injury or whether there might be a third party liable for the injuries suffered by the member. The information requested by Trover from Ms. [redacted]’s mother is supplemental to the information that has already been filed with the original claim for coverage. That contact was on behalf of [redacted] TX, and at their request. 6. Trover apologizes if Ms. [redacted] or her mother misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional information. The inquiry is simply an attempt to gather information on behalf of her health insurance company. Trover is not a bogus company or a fraud or scam. In fact, Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties. These recoveries act to reduce insurance premiums.

[redacted] has conducted a complete investigation and cannot find any references in our systems for Mr. [redacted] at the address and phone number listed.  That doesn't mean that there isn't a file, it means that with that limited information, we cannot locate anything.  If he could provide us...

with a file number or reference number, perhaps we could address his concerns more fully.  We look forward to getting additional information so we can resolve Mr. [redacted]'s complaint.

Response:
In response to the Revdex.com complaint submitted on 8/17/15 by Mr. [redacted] M. [redacted] (“Mr. [redacted] or “Member”), with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”) apologizes for any confusion that may have occurred...

with Mr. [redacted] receiving our letter and the subsequent phone conversation. Trover is not a fraud or scam. Trover’s letters are not phoney, are not phishing, are not attempting identity theft, and are not an attempt to collect a debt. Hopefully this explanation will operate to clarify who Trover is and how we are contacting him on behalf of [redacted] of Massachusetts (“[redacted]”). 2. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Massachusetts. Trover is a legitimate business engaged by Mr. [redacted]’s health insurance company [redacted]. Trover is an accredited Revdex.com member with an A+ rating. 3. Trover is an insurance subrogation firm providing services to a number of the nation’s largest health plans. Trover is legally and contractually allowed to contact the member to make certain information requests. In this case, Trover is not using [redacted] as a cover. Trover provides services for [redacted] pursuant to a contract between the two companies. Trover is acting as an agent for [redacted] to provide investigative services as allowed under Mr. [redacted]’s insurance contract with [redacted]. 4. While [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the injury/issue or whether there might be a third party liable for the injuries suffered by the member, or someone under his policy. The information requested by Trover from the [redacted] member is supplemental to the information that has already been filed with the original claim for coverage. After receiving and processing data files of paid claims provided by [redacted], Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to [redacted] members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through [redacted]. 5. With regard to Mr. [redacted], it appears that the facts are as follows: • The Member has been sent at least one (1) letter requesting that he contact our customer service department to discuss treatment rendered to someone in his family. • Trover received a call from Mr. [redacted] and was informed that the treatment rendered involved his son. However, Trover did not obtain the basic information on the cause of the injuries/illnesses for which his son received treatment. • Trover is not seeking money from Mr. [redacted] or his family. Rather, Trover, on behalf of [redacted] is simply seeking information for which it is legally entitled. • A simple response on Trover’s website (www.troversolutions.com) or a short follow up call to the customer service number listed on the letter by Mr. [redacted] or his child (if of legal age) would quickly resolve this matter and enable Trover to likely close its file. 6. Trover is not a fraud or a scam. In fact, Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties. These recoveries act to reduce insurance premiums.
Sent on: 8/18/2015 1:35:25 PM

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
If this company was appointed by Mother's insurance company, they would have had her account information on the letter instead of an attempt to have her contact them using an event number.   This could be very confusing for the average senior citizen, however, she is not.  I'm reporting this to protect others.   The letter head was very poor and unprofessional.  Please explain why mail from Kentucky was metered in [redacted].   I need to understand that before I can let this go.  Maybe there is a scam on [redacted] that needs investigation or [redacted] Hospital.   
Regards,
[redacted]

The Revdex.com complaint goes to [redacted] event # [redacted]. It should be noted that [redacted] is NOT an insurance company and is NOT a fraudulent company.  [redacted] is a vendor that performs services FOR insurance companies.  In this case, [redacted]'s client is Auto Owners.  The...

initial letter was sent to the responsible party on 10/27/17. The 3rd party, [redacted], contacted [redacted] and stated that she (Ms [redacted]) got out and took pictures and didn’t see any damages to the insured's vehicle. Ms [redacted] requested [redacted] send her pictures of the damages and a statement from the AO adjuster who adjusted the claim verifying damages were caused from this loss. However, there are no photos in our file documents or in the supporting documents [redacted] received from Auto Owners.  [redacted] did not send a suspension request to the Indiana DMV,  It appears that in this state if an accident occurs and the police report notes the responsible party did not have the state required liability insurance. they will automatically suspend their driver’s license.  After Ms. [redacted] refused to pay the damages, since we could not send her damage photos, the file has since moved to a outside collections vendor ([redacted] and Associates) who has the file in active collections. If Ms. [redacted] doesn't have the documentation, she can contact Wilbur and receive documentation of the full amount owed (including the loss notice, the rental invoice, the damage estimate that Auto Owner's sent to [redacted] for auditing, and their complete audit report of the damages). The total of the damages presented is $1653.61 (which includes the insured’s $1000 deductible).

Calls are often recorded for training purposes, however, after 30 days, any recordings are destroyed.  As such, Ms. [redacted]'s recording is no longer available.  Trover maintains notes in the electronic file of the contact made and any responses from the responding member.The response made to Ms. [redacted] was not generic, but in fact generated directly in response to her specific complaint after reading the complaint and analyzing her file in order to determine the facts and circumstances of her file in light of her complaint.  Trover would be happy to provide more information if Ms. [redacted] still has questions, however, we believe that we have directly addressed all of her questions and concerns.

Upon a review, Equian confirms that claim number [redacted] and the other claim related to member [redacted] regarding the date of injury at issue have both been closed.

In response to the Revdex.com complaint submitted on 10/26/15 by [redacted]. [redacted] (“Ms. [redacted]”), with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows:  1.  Trover Solutions, Inc. (“Trover”) is an insurance subrogation firm providing services on behalf...

of a number of the nation’s largest health/disability plans.2.  Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Delaware. 3.  Trover Solutions is a Revdex.com Accredited Business with an A+ rating.4.  In this case, Trover’s client is [redacted]. 5.  After review of Ms. [redacted]’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted her.  Trover apologizes if Ms. [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional information.6. Trover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right.  Trover is expressly allowed by contract with [redacted] to pursue potential subrogation claims.7.  Through that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAA.  Everything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA.8.  After receiving and processing data files of paid claims provided by [redacted], Trover analyzes those files to identify claims with potential subrogation rights.  Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insurance. 9.  With regard to this matter specifically, Trover sought basic information from Ms. [redacted] on behalf of [redacted].  That contact was on behalf of [redacted] (and at [redacted]’s request).  The file was investigated based on bills that indicated a beginning of treatment for thoracic spine pain.  The bills began with date of service 4/10/15 and continue with physical therapy and last date of service 10/12/15. 10.  Ms. [redacted] responded to Trover’s discovery letters that the treatment was not related to an accident or injury and that was not work-related.  As a result, Trover closed the file.  No further contact related to those dates of service should be necessary.11.  Trover is not a bogus company or a fraud or scam.  In fact, Trover's services allow health insurance companies to be reimbursed by responsible third parties for claims paid on injuries that are the responsibility of other payors.  These recoveries act to help reduce insurance premiums.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
 
 
 I have talked to the insurance company and told them I have no other insurance other than Medicare Part A. According to my account online the insurance has been paid except for my part. It appears that this issue has been resolved and no further action is needed.

In response to the Revdex.com complaint submitted on 4/25/16 by [redacted] (“Ms. [redacted]”), with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”) is an insurance subrogation firm providing services on behalf of a number of the...

nation’s largest health/disability plans. 2. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Virginia, West Virginia, and Washington D.C. 3. Trover Solutions is a Revdex.com Accredited Business with an A+ rating. 4. In this case, Trover’s client is [redacted]. 5. After review of Ms. [redacted]’s complaint and statements, Trover is glad to have the opportunity to explain who we are and why we contacted her. Trover apologizes if Ms. [redacted] misunderstood Trover’s role and potentially misinterpreted Trover’s purpose for contacting her. 6. Trover acts as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right. Trover is expressly allowed by contract with [redacted] to pursue potential subrogation claims. 7. Through that contractual relationship, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAA. Everything being done by [redacted] and Trover is in full compliance with all applicable federal and state laws, including HIPAA. 8. After receiving and processing data files of paid claims provided by [redacted], Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the illness/injury for which certain medical claims were paid and processed through insurance. 9. With regard to this matter specifically, Trover sought the assistance of Ms. [redacted] in having her college aged son contact Trover related to a matter he was already involved in with Trover. It is my information that no PHI was sent by email to Ms. [redacted]. Trover apologizes for contacting her at work on her government email account for this purpose. Trover has no plans to contact her again on this matter.

In response to the Revdex.com complaint submitted on 9/8/15 by Mr.[redacted] with an assigned Revdex.com ID [redacted], Trover Solutions, Inc. responds as follows:  1.  After review of Mr. [redacted] complaint and statements, Trover is glad to have the...

opportunity to explain who we are and why we have contacted him. Trover apologizes if Mr. [redacted] misunderstood Trover’s role and potentially misinterpreted the attempts to obtain additional information.   The inquiry is simply an attempt to gather information on behalf and at the direction of [redacted]2.  Trover Solutions, Inc. (“Trover”) is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Illinois.  Trover is an insurance subrogation firm providing services on behalf of a number of the nation’s largest health/disability plans.    3.  In this case, Trover’s client is [redacted] (“[redacted]”). Mr. [redacted] insurance is through [redacted] of Texas, a division of [redacted].  Trover is acting as an agent of [redacted] to provide investigative services designed to determine if [redacted] has a subrogation right.  [redacted] Texas’ insurance contracts with its insureds expressly allow them to subcontract their rights to pursue potential subrogation claims.  4.  While [redacted] (and Trover) knows that medical services were provided, they have NO information as to the cause of the injury or whether there might be a third party liable for the injuries suffered by the member. The information requested by Trover from Mr. [redacted] is supplemental tothe information that has already been filed with the original claim for coverage.  That contact was on behalf of[redacted], and at their request.  5.  After receiving and processing data files of paid claims provided by insurance companies (like [redacted] of Texas), Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to causation of the injury for which certain medical claims paid and processed through insurance.6.  Trover is not a bogus or “fly by night” company, or a fraud or scam.  In fact, Trover is a Revdex.com Accredited Business with an A+ rating.  Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties.  These recoveries act to reduce insurance premiums.  7.  Trover apologizes that Mr. [redacted] found it difficult to reach Trover through the 800 number provided on his letter.  That should certainly not happen.  I encourage him to try the number again, or, as stated in his letter, Mr. [redacted] has the option of contacting Trover through our website at www.TroverSolutions.com.

In response to the Revdex.com complaint submitted on 10/12/16 by Ms. [redacted] (“Ms. [redacted]”), with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows: 
 
1.  Trover Solutions, Inc. (“Trover”) is a duly organized corporation under...

the laws of the state of Delaware and is validly authorized to do business in Kentucky, Ohio (and most every other state in the United States). 
2.  Trover is an insurance subrogation company who provides subrogation related services to a number of the nation’s largest health plans.  In this case, Trover was providing subrogation services to its client related to an auto accident involving Ms. [redacted]. 
3.  It appears that Ms. [redacted] was driving the car of a friend, Ms. [redacted], and hit the vehicle of an insured of a Trover client.  Neither Ms. [redacted] nor Ms. [redacted] had insurance on the at fault vehicle.  As a result of the accident, the original amount due was $6054.41. 
4. Trover representatives went back and forth with Ms. [redacted] and Ms. [redacted] as they were both responsible parties.  While it appears that there was an error with the calculation of the original amount due, that error was fixed and both individuals were notified of the amount due.  Both individuals agreed to pay down payments, which didn’t occur.  Then they agreed to pay $500.00 down (over a 3-month period), but that also failed to occur. 
5.  At no point was a formal agreement executed between any of the parties here, everything was verbal and by email.  To our knowledge, there have been sporadic payments between the two persons that result in approximately $4,789.41 being still due.  Due to our inability to recover the sums due, this file was deemed “failure to pay” and referred to our outside collection group. 
6.  The sums due are valid, no consistent payments were received, and the file was assigned to and is being handled by [redacted] (1-[redacted]) and is no longer in our control.

In response to the Revdex.com complaint submitted April 20, 2016 by Mr. [redacted] (“Mr. [redacted]” or “Member”), with an assigned Revdex.com ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”), a duly organized corporation under the laws of the...

state of Delaware and is validly authorized to do business in all fifty states including California. Trover is an insurance subrogation firm providing services to a number of the nation’s largest health plans. Trover is a legitimate business engaged by [redacted] not trolling and is not a fraud, scam, identity thief, or a phishing scam. In fact, Trover is an accredited Revdex.com member. In this case, Trover’s client is [redacted] (“[redacted]”). 2. In order to keep healthcare costs low for all members, [redacted] has contracted with Trover to review medical services provided and/or paid claims that may have been the result of an accident or injury to determine whether another party or insurer should be responsible for the cost of the treatment (Third Party Liability or TPL). [redacted]’s expertise is in providing quality medical care. Trover’s expertise is in providing identification and recovery services for TPL. 3. With regard to Mr. [redacted], the facts are as follows: • Mr. [redacted] did not provide the file number in his complaint; however, we believe that we have located his file. However, it appears that we have sent out 2 inquiry letters to the address we have been provided by [redacted] to see if on 6/03/2015 Mr. [redacted] was treated for anything related to a third party accident. The Member has been sent letters requesting that he contact our customer service department to discuss the treatment rendered. As of this date, no response has been received by Trover.  If he does not recognize the provider, a simple phone call will easily resolve and end this matter. • The reason the Member does not recognize Trover is because Trover is a contractor FOR [redacted] provided Trover with certain information (as is their right under the law and pursuant to their health insurance contract with Mr. [redacted]. Trover now simply requests some very minor information related to the cause of the injury treated at [redacted]’s facility. • The member can respond to Trover in one of two easy ways: 1) respond via Trover’s online secure website at any time of the day or night or 2) call Trover’s customer service department during extended business hours M – T, regular business hours on Friday and abbreviated hours on Saturday. Trover commits to keeping the conversation brief/to the point and asking only those questions necessary to determine whether a third party liability claim exists. 4. Trover apologizes for any confusion that may have occurred upon receipt of our written correspondence. As outlined above, Trover’s contact letters are not phoney, are not phishing, are not an attempt to at identity theft, and are not an attempt to collect a debt. Trover is simply requesting information related to the need for medical services already provided. Hopefully this explanation will operate to clarify who Trover is, how we represent [redacted]’s potential rights of reimbursement, and Member’s obligation to cooperate. 5. Trover is a Business Associate of [redacted], as defined by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule. A Business Associate is a party with whom a covered entity like [redacted] can share confidential protected information under certain specific circumstances. The signed Business Associate agreement between Trover and [redacted] ensures that both parties fully comply with the HIPAA Privacy Rule and that Trover discloses only the minimum information necessary to carry out the work it has been contracted to do for [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond here ONLY]
Regards,
[redacted]
 
 
I don't even have [redacted] insurance,  and I can offer no help of information  I refuse to contact any of their services based on their correspondence is in contrast to their statement their letters are a threatening nature that if I don't respond it  Will be turned over to a credit agency with attorneys name's on the top of the correspondence, that is unacceptable. Close the file, and move on.

We appreciate the extra effort made by Mr. [redacted] to provide additional information in order to assist us in locating the file.  However, despite the provided information, we are unable to find anything that allows me to assist him. 
He states that “Trover & Associates” is calling him.  Our company is [redacted], it was formally known as Trover Solutions, but never Trover & Associates.
He states that the caller’s name is “[redacted]”.  We have no current or former employees with that name. 
He states that the case name and number that is quoted to him is in reference to a [redacted] / Case # CA [redacted].  We have no file under that name and no files using that type of case number reference. 
We also searched our files and databases for his name / address / phone number, all to no avail. 
Based on our inability to find anything in our systems, it is impossible for us to attempt to remedy his complaint. 
I suggest that if he ever gets another call, please record the phone number from his caller ID and provide that to us.  Also, if he will request to speak with a supervisor, we always grant such a request. 
However, I can’t stop contact when I can’t find any record of contact being made.  I sincerely apologize for Mr. [redacted]’s frustration.  If he gets any more or different information, please so notify us.

In response to the Revdex.com complaint submitted April 26, 2015 by [redacted] (“Ms. [redacted]” or “Member”), with an assigned Revdex.com ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”), a duly organized corporation under the laws of the state of...

Delaware and is validly authorized to do business in all fifty states including California. 2. Trover is an insurance subrogation firm providing services to a number of the nation’s largest health plans. In this case, Trover’s client is [redacted] (“[redacted]”). 3. Trover is not a fraud, scam, or identity thief, but a legitimate business engaged by [redacted]. In fact, Trover is an accredited Revdex.com member. 4. As provided for in [redacted]’s insurance contracts with its insureds and employees, [redacted] subcontracts its rights to pursue potential subrogation claims to Trover. 5. In order to keep healthcare costs low for all [redacted] members, [redacted] has contracted with Trover to review medical services provided and/or paid claims that may have been the result of an accident or injury in order to determine whether another party or insurer should be responsible for the cost of the treatment (a/k/a third party liability). 6. After receiving and processing data files of paid claims provided by [redacted], Trover analyzes files to identify claims with potential subrogation rights. Trover’s process involves sending letters to [redacted] members simply to facilitate the exchange of information between the member and Trover customer service center to verify details related to medical claims processed through [redacted]. 7. The investigation conducted by Trover determines whether [redacted] has a right of subrogation or recovery related to claims it paid under its policy. The information requested of the members by Trover is supplemental to the information that has already been filed with the original claim for coverage. 8. Trover has the basic claim information and only requests cooperation from the insured as set forth in the insured’s insurance policy. 9. Through the contractual relationship between [redacted] and Trover, Trover is a “Business Associate” of [redacted] (who is a “Covered Entity”) under HIPAA. Everything being done by Trover and [redacted] is in full compliance with HIPAA. 10. Trover is legally and contractually allowed to contact the member to make certain information requests. 11. With regard to Ms. [redacted], the facts are as follows: • The Member has been sent letters requesting that she contact our customer service department to discuss treatment rendered to her [redacted]. • As of this date, no response has been received by Trover. • Trover’s website (www.troversolutions.com) is not an invalid site. The site is and has been up and running properly. It is not known why the Member might have encountered problems with the site. The Member is requested to re-try accessing the website (www.Troversolutions.com). 12. Trover apologizes for any confusion that may have occurred upon receipt of our written correspondence. As outlined above, Trover’s contact letters are not phony, are not phishing, are not an attempt to at identity theft. 13. Hopefully this explanation will operate to clarify who Trover is, how we represent [redacted]’s potential rights of reimbursement, and Member’s obligation to cooperate in the future.

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.  I consider this complaint to be resolved.Regards,[redacted]

[redacted] with an assigned ID of [redacted], Trover Solutions, Inc. responds as follows: 1. Trover Solutions, Inc. (“Trover”) is an insurance subrogation firm providing services on behalf of a...

number of the nation’s largest health/disability plans. Trover is a duly organized corporation under the laws of the state of Delaware and is validly authorized to do business in all fifty states, including Oklahoma. 2. In this case, Trover’s client is [redacted] (“[redacted]”), Mr. [redacted]’s health insurance carrier. As specifically allowed in [redacted]’s insurance contracts with its insureds, [redacted] is subcontracts its rights to pursue the investigation of potential subrogation claims. In this case, Trover is acting as an agent providing [redacted] with investigative services. The information sought by Trover is information that it is entitled to request from the insured and the insured is obligated to cooperate pursuant to the terms of their insurance policy. 3. Trover is not a bogus company or a fraud or scam. In fact, Trover is an accredited Revdex.com member. Trover apologizes if the member misunderstood Trover’s role and didn’t understand that we are contacting him ON BEHALF of his insurance company to seek basic information that his insurance company is entitled to request. While [redacted] (and Trover) knows that medical services were provided, no information is known as to the cause of the condition necessitating the medical care or whether there might be a third party liable for payment. The information requested by Trover from Mr. [redacted] in the letters sent is supplemental to the information that has already been filed with the original claim for coverage. 4. After receiving and processing data files of paid claims provided by insurance companies (like [redacted]), Trover analyzes those files to identify claims with potential subrogation rights. Trover’s process involves sending letters to members in order to facilitate the exchange of information between the member and Trover customer service to verify details related to the medical claims paid and processed through insurance. 5. Trover’s services allow health insurance companies to be reimbursed by responsible parties for claims paid on injuries that are the responsibility of third parties. These recoveries act to reduce insurance premiums.