21st Century Insurance

Review: In November of 2012, 21st Century sent me a bill to renew a 6 month policy, $610.75. In November of 2012, I mailed a check for the full amount due, $610.75. In August of 2013, I received a letter from 21st Century requesting that I pay an additional $97.16 or fax an insurance declaration page showing proof of insurance from a different provider. In August of 2013, [redacted], an Allstate insurance agent, , faxed 21st Century the information they requested. Why is a collection agency contacting me and requesting I pay $97.16?Desired Settlement: According to my records, 21st Century has been paid in full. I am requesting that 21st, inform the collection agency of the billing discrepancy, send me a letter stating that the balance has been paid in full and the collection agency has been notified.

Thank you,

Business

Response:

Thank you for allowing us to respond to [redacted] concerns.

We correctly canceled his policy effective June 18, 2013.

The balance of $97.16 on the account is in part a result of a $75 refund check that was inadvertently sent to [redacted] on October 26, 2012 when a customer wrote [redacted] policy number on his payment in error. The refund was cashed by [redacted] on November 5, 2012. When the other customer discovered his error in January of 2013, we debited [redacted] account for the unearned refund on January 11, 2013. This was explained to [redacted] on May 24, 2013.

The remaining $22.16 is the earned premium charge for coverage from June 13, 2013 to June 18, 2013.

[redacted] can either contact 21st Century Insurance to pay his balance or make payment through our collection agency.

Please feel free to contact me with any additional questions or concerns.

Consumer

Response:

Review: My car was not operational so I sold it to the junk yard. So I called in 11/10/2014 to cancel my 21st century insurance plan. The representative named [redacted] said since I don't have the car I can get the cancellation fee waved. Then he didn't know how to operate that part of his computer program so he asked his manager. [redacted] comes back saying they cannot wave the cancellation fee. Now I have not driven that car since 9/24. 10/20 car was gone.

So I do not believe it is moral to lie saying they will wave a fee(50 dollars). Then come back on the line and say on top of not waving the fee of cancellation they need to charge another 6 dollars and 32 cents. I asked him if it was moral [redacted] laughed. I wanted to talk to supervisor he kept brushing it off.Desired Settlement: I believe an apology would be appropriate at a time like this. I believe he is making a mistake on behalf of 21st century which I believe it is not right. I would want him to go through better training and review the guidelines about being honest to customers, not making promises and breaking them. As for me I would like my money refunded.

Business

Response:

Thank you for allowing me to respond to [redacted]’s concerns. We are sorry to hear that [redacted] was not satisfied with the service he received when he contacted us on November 10, 2014. I have reviewed our file and found that on October 30, 2014, [redacted] called and requested to suspend coverage on his 2000 Nissan Altima. [redacted] indicated to our Customer Service Representative that his vehicle would be in the shop for repairs for an extended period of time. As [redacted]’s vehicle did not carry physical damage coverage, we were unable to accommodate his request for a storage policy. [redacted] denied our offer to cancel his policy at that time. On November 10, 2014, [redacted] called and requested to cancel his policy as his vehicle was still not operational and did not know when it would be repaired. As [redacted] was still the owner of his 2000 Nissan Altima, the Customer Service Representative canceled [redacted]’s policy effective the date of the call in accordance with our guidelines. We assessed a $50.00 cancellation fee and charged premium for coverage provided up until November 10, 2014. [redacted] currently has an earned premium balance of $56.32 for coverage that was provided up until November 10, 2014. The cancellation fee, as well as other possible policy fees, is outlined on the bottom of the policy declaration page in the gray box. It is also noted by policy endorsement. The fee and the assessment thereof is filed and approved by the California Department of Insurance. It was not until after he was advised of our exceptions to waive the cancellation fee did [redacted] state that he sold his vehicle. All prior information provided by [redacted] indicated that he still owned the vehicle. We would be happy to backdate the date of cancellation and waive the cancellation fee if he can provide proof of transfer of ownership of his 2000 Nissan Altima prior to November 10, 2014. Without this documentation, [redacted]’s earned premium balance of $56.32 is valid and due to be paid immediately. If you have any additional questions or concerns, please feel free to contact me.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: 21st Century cancelled my insurance without giving me proper notice. They say they sent me a cancellation notice to my home address but I never received notificaiton. They charged me over $70 for cancellation and late fees. I've been a client of theirs for over 15yrs and have never missed payment or had policy cancelled.

I called them and asked for a refund. The stated he couldn't refund my monies because proper notification was given. But I never received it!!!

The refused to offer any accomodation even after 15yrs of commitment.Desired Settlement: I would like a refund and continue to have 21st century has my insurer.

Business

Response:

Thank you for allowing me to respond to [redacted] concern.

I reviewed our file and found that [redacted] was on our 2 Payment Plan and set up for automatic payments from his credit card. We attempted to take a payment of $108.00 on September 2, 2014. The payment was declined by his bank. As a result of the returned payment, he was assessed a $10 Returned Payment Fee and a $5 Late Fee. On September 4, 2014, we mailed a renewal cancellation notice and billing advising that we must receive a payment of $123 before September 24, 2014 in order to continue his coverage. The proof of mailing for the Cancellation Notice is available should he wish to review it.

We did not receive the necessary payment and the policy canceled effective September 24, 2014. The policy was assessed a $50 Cancellation Fee and the Late Fee was reversed. This left [redacted] with and outstanding balance of $86.

The policy is not eligible for reinstatement due to the length of time the policy has been canceled, but we can offer [redacted] a new quotation to start a policy and transfer the balance from his prior policy to the new one.

Additionally, we respectfully decline to waive the applicable billing fees as we made an accomodation on April 8, 2014 and waived the Returned Payment Fee and Late Fee resulting from his declined payment on April 2, 2014.

If you have any additional questions or concerns, please feel free to contact me.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: We had our debit set up originally for the 12th of the month, but after talking with Century21st last month they changed the debit date to the 15th of

the month, but admittedly failed to update their system which led to a debit on the 12th when there wasn't enough money in the account causing my

account to be in the negative and incurred a $35 over draft fee by our bank Wells Fargo.Desired Settlement: Wells Fargo will refund the $35 over draft fee if 21st Century will admit to the mistake in writing.

Business

Response:

Dear Customer,

We appreciate the opportunity to review this concern for you.

We reviewed your file and called and provided you with a phone message with our findings.

Please let us know if you have any followup questions.

Best Regards,

Consumer

Response:

Review: I made a payment of 530 before canceling my policy with 21st the insurance company stated that the payment was reimbursed and they sent a paper statement to me which is a LIE I have been canceled the policy and paid everything off. It was a new billing cycle before I canceled the policy now they have bill collection calling and harassing me stating I owe a payment when the payment cleared my bank account this is ridiculous and stressful tk know that this insurance company cannot keep up when bills are paid and if they sent a noticed. I'm not please with the harassment I left the insurance company due to them continuing to raise my premium payment each month . The harassment is getting out of control especially for something that was paid before the policy endedDesired Settlement: I feel that 21st Century Insurance need to stop contacting me as well as their bill collector, I would like an d apology fir all the harassment and stressed caused, and I would like a complete refund on a policy I no longer owns and canceled it out the correct way.

Business

Response:

I was not able to send this response the web page way. I hope you can still post this. I am willing to review any documents she may have to support her view.

Complaint Information

Please provide a brief and factual response to the complaint that you received.

Our former insured has an outstanding balance of earned premium $215.15. Our records reflect that our balance is correct. I left a detailed message for the former insured that if she has a bank statement showing we received the alleged $530.00 payment we will gladly research the matter further. The last payment of record was 2/13/2014, in the amount of $284.38. This policy has been sent to collections. I asked the former insured to fax any supporting documents to [redacted] and to contact us and confirm the same.

Review: My auto policy amount changed after a minor collision my husband had. Yet customer service said we will not get a premium increase, when my husband made a claim. Before new policy renewal I notice an increase on my new policy charges. I called and was told it was because of the auto collision my husband was involve. I had told them that when my husband call for claims the agent said there would be no increase on our policy. The Representative said because to fix the auto was more than 50% our policy had increase. I then said I was going to cancel my policy renewal. the agent said if I would cancel now( april 23) I would get a fee of $50, for canceling. She said I would have to call on May 12 the date my auto policy renewal started. She also mention that if I would cancel after the May 12 I would also incur a fee of $50 so I had to call and cancel on MAY 12. The agent also said since my payments where auto deducted from my checking account she would put a stop payment that way 21st would not auto deduct for the payment of may. I then contacted 21st again on May 12, at 8am. To cancel policy. To my surprised 21st century collect payment for may12. Apparently they never put the stop payment! When I cancel they told me I would get my money back within 10 business days, (around 27th of may)!! That was absurd. Given the fact I had called 3 weeks prior to cancelation date. I then ask to speak to a manager to see if I can get my money reverse sooner. I spotlessly to [redacted] at the Phoenix office and she said if I would send in a banking statement showing I had those $179 funds withdrawal from 21st century they can reverse the payment within 24 hours. Yeah what a fool of me right! When I can show proof of banking statement till June! Since banking statements are till end of each month. I then said to [redacted], my account was indeed withdrawal $179 from 21st. Can I email you proof showing the funds were taken. She then said I can do that and she will submit paperwork to [redacted] at billing department. I then email [redacted] on Tuesday may 13th unfortunately the email she gave me would not take attachments. I spoke to an agent on the 13th of may and stated that [redacted]'s widing email address is not getting my email attachment. That agent was so polite and gave me her work email and said she will then forward the email to [redacted]. The agent [redacted] did receive my email with attachment of bank showing that 21st did withdrawal funds. Them I call once again to confirm the email was received. Yay! My email went through and the Representative said since it was 3pm mountain central time [redacted] at billing will not have time to reverse that day. But she will look over on Wednesday may 14 and I should get my funds within 24 hours. Which would be Thursday 15, late's Friday 16. I was glad to hear that. The weekend passed and I check my bank Monday may 19, no money reverse from 21st. I called and [redacted] won't answer my calls nor voice messages. I'm trying to get ahold of. [redacted] and apparently she is not someone who talks to customers. Only representatives can speak to customers and forward message to her. All 21st century agent I speak with say I have to wait 10 days for a reversal to happen. Although I explain to each and all different agent the same story. I'm getting very upset they are giving me the run around. I no longer have business with them why are they with holding my money! I'm out $179 and I have no policy with 21st, shouldn't I get my money back ASAP. Specially after sending my checking bank proof.Desired Settlement: I want 21st century to stop giving me the run around. If I was told as per my conversation with [redacted] (( a manager)) that she will refund me within 24 hours if I email out proof that 21st did withdraw payment. Which I did, stand up to what you told me. Now saying she might be on vacation that is why she won't answer my calls!!! That is avoiding my calls!

Business

Response:

Dear Customer,

We reviewed your file and sent a written response to you.

We appreciate the opportunity to review this concern for you. Please let us know if you have any followup questions.

Best Regards,

Representative

Consumer

Response:

Review: received a verbal amount over the phone of $31.00 for my insurance quote, when the bill was received it was for a bill of $57.00 even. I called around numerous times to receive the verbal amount given from a representative back in October, 21st Century refused to honor this quoted price. I contacted a manager named [redacted] she did not offer this price instead was disrespectful. I e-mailed corporate office where I was contacted by a [redacted] who also said she could not help me. 21st did not give me the quoted price.Desired Settlement: I wish for my quoted price of $31.00 and a reimbursement for the difference of the fully paid amount of $57.00. [redacted] needs to be placed in a better Customer Service class, she was very disrespectful when taking my call.

Business

Response:

21st Century received a complaint from the son of our insured. Our insured is [redacted]. His son, [redacted] who has permission to speak regarding the policy was given a quote for adding a vehicle to the policy on October 7, 2013. The premium quoted him for the remainder of the term was $51.00. This premium was good for the policy period October 7, 2013 to December 11, 2013.

After receiving an executive complaint regarding the premium and the poor service the insured's son referenced the policy was reviewed. We also addressed [redacted] concerns with respect to how he was treated by a customer service representative.

After careful review it has been determined the premium given to Samuel was prorated until the end of the term. The current monthly payments are accurately rated.

Below you will see my initial email to [redacted] on 11/14/2013.

Thank you for your recent email to our executive mailbox. I have identified your father's policy. I have confirmed you are able to speak regarding the policy.

The renewal effective December 11, 2013, has a six month premium of $368.00.

The premium for each vehicle is as follows the 2000 Pontiac Grand AM is $228.00 and the six month premium effective December 11, 2013, is $140.00 for the 1990 Toyota Corolla.

Each monthly premium payment is $92.00 per month. How you and your father divide that premium is between you both, however we must receive the $92.00 on or before the 11th of each month.

The payment of $51.00 was a prorated premium for the time frame of 10/7/2013 to 12/11/2013. That was not the full six month premium.

We are not able to make any adjustments as the six month premium is accurate.

Consumer

Response:

Review: On June 26th 2013 we agreed on a six months policy quoted at $ 1,948.75. the next day , 06/27, a deposit of $ 400.00 was agreed upon to be deducted from my account. No problem! On July 22nd My second payment of 350 dollars was made. before august the 28th, which would have the due date of my third payment, I received a letter announcing the premium has been increase to $ 2, 600 for six months instead of the $ 1,948.75 that I was quoted. I called in to find out why. I was told that my son Birth day was recorded wrong : instead of July 09, 1993 , it was July 09, 1963 , being in the wrong age bracket changes the rates. I understand. But I told them he is my son , and my DOB is June 23, 1965, How could he be born before me, his dad? Second reason is that he had an accident , Which I did tell them before we had agreed on the first quote.

I told them that I do not agree on the increase of the premium and that I want to cancel my policy . An agent perform the calculation to prorate my coverage and concluded that I owe 36 dollars. I do not think that the calculation was based on the $1,948.75 that I agreed on. I am looking for your Revdex.com assistance as to : do you think it is fair for me to pay on prorate that I did not agree upon.

Thank you for your time.Desired Settlement: Correct prorate for the correct quote agreed on.

Business

Response:

Dear Customer,

We reviewed your file and sent a written response to you. We appreciate the opportunity to review this concern for you.

Please let us know if you have any followup questions.

Best Regards,

Representative

Consumer

Response:

Review: My auto insurance was canceled due to nonpayment. The $115.81 was in my account on August 14, 2015, now they are charging me a $25 bank fee plus a $15 reinstatement fee. I contacted AMEX about the payment and they investigated. After the investigation, 21st Century tried to take my payment at 2am but previous months, they have taken the money out before 12pm. How are they going to take money at that time of morning when the call center close at 12 midnight. My payroll check did not post until 8am. I signed up for automatic payment and they failed to mention bank fees. If you don’t sign up for automatic payment, you are charged a processing fee. If you signed up for automatic withdrawal, you are charge a bank fee. I’m currently experiencing financial hardship and only have the $115.81. In the state of Texas it is mandatory to have auto insurance. I’m just trying to pay my bills/obey the law without any trouble and it seems like loyalty means nothing.Desired Settlement: Reinstate my auto insurance

Business

Response:

Case: [redacted]

To Whom It May Concern:

Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond to this inquiry.

Our records show that we received notice on August 14, 2015, that the customer's renewal payment of $115.81 was not honored by her financial institution. As a result, the policy voided effective August 14, 2015, and was assessed a $25 returned payment fee. Notification of the returned payment fee is provided on our automated payment plan statement. 21st Century strives to review every customer’s request that we receive with due diligence and care. Based on our review of the prior cancellations, we are unable to honor the customer's request for reactivation of the policy.

We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

Enterprise Customer Relations

Review: Every time it comes time for my renewal my rate increase and keep getting informed that there was a rate increase in my state. After questioning exact reason I get told in fact there was not an increase and no one can explain why rate went up instead of decrease.Desired Settlement: I would like to know why I keep getting the run around being told my current policy increase is due to my wife turning a year older, then being told that is not the reason. I would like to have the company to honor a quote amount that was given to me for our coverage.

Business

Response:

Case: [redacted] To Whom It May Concern:Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond.Upon learning of the consumer’s frustration, the policy was referred to our Actuarial Department for review. Upon completion, a member of our Customer Relations Department will respond directly to the insured. The insured has been notified and is in agreement with our action. We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

Review: Auto policy for 2 cars states discount is based on our credit score. My husband died, I sold his car, I cancelled his car insurance July 29th and they raised my rate from 689.12 to 936.19 on my car. My policy period is may 20th to Nov 20th. I had already paid them for the 6 month period. His policy was 658.43 and they are giving me a refund of 250.00 It should be 350.00 but because they raised my insurance its not.Desired Settlement: I want my policy rate to stay the same and I want the money back due to me from my husband's unused insurance.

Business

Response:

Dear Customer,

We reviewed your file and sent a written response to you.

We appreciate the opportunity to review this concern for you. Please let us know if you have any followup questions.

Best Regards,

Representative

Consumer

Response:

Review: I switched to 21st Century in Oct.2013 as I was offered a better policy 12. cheaper a month and every 6 months than my current provider did and Im on a limited income. (SSDI) At the time I first inquired was Feb 2013 upon receipt of an ad in the mail from 21st. I called and spoke with them. I was told until the time period was over I couldnt obtain their policy but after Sept. 2013 (my license being suspended and reinstated in Sept/Oct 2010) and the 2 years was up I could be insured by them. During that time and suppose to be included in my quote of $255.55 for the policy was supposedly an SR22 price included in that. Come to find out, no it wasnt. Today I just went and reinstated my license again!!! for another $95.00, and according to DMV, 21st Century has never contacted them. All they have is where I was cancelled by the previous agent. I got a letter from DMV in November 2013, stating I was due to be cancelled. I contacted 21st Century at that time (in Wichita Ks. at that moment, as my boyfriends mother grew ill and we drove back there on November 29, 2013) the insurance co. told me no you don't have an SR22 on your account we'll add it in for you, and proceeded to charge me $25. more a month, and another $15.00 to rewrite the policy. The second $15.00 re-wrirte they did actually as a result of sending me their paperwork to sign and send back without marking where I was supppoes to sign and what all I had agreed to at that time. So I guessed and marked it myself and as a result it evidentally boosted my insurance policy amount to some extravagant policy amount. They made it perfectly clear as mud. They have proceeded to chargew me for an SR-22 they have yet to ever report to this day. Furthermore when I would contact them while in Wichita, I was already suspended by the time I'd spoke with them. I didnt know that and they didnt inform me. I also discussed with them about another car on my policy as my boyfriend had just bought me a newer car for my birthday on Nov. 27, 2013, and I wanted to know what it would cost to insure them both. I thouht at first they'd boosted my amt. by adding the other car. No, upon closer examination of my policy, it would appear that they are giving me 'multi car' discounts without insuring multicars furthermore they have my age down as 22 years old. No, I was born in 1963 I am 50. I happen to know anybody under 25 pays more for auto insurance. So now legal and reinsured again by somebody else of course. But overcharged and drained by the previous insurance co., to whom I have paid to date on a 255.55 policy, $322.45 and to their credit cancelled me on the 5th of February 2014 when I didnt send them another $63.00 making that 255.55 cent policy now worth $385.45. (aproximated as I didnt feel like goig back and re re re adding this all up again. I drove to Wichita myself and Im so thankful I wasnt stopped or in an accident for that matter. Being under suspension, fault or not, I'd have been liiable!! My boyfriend has proceeded to pay out $222.00 to reinstate me and bought insurance for my car out of his own pocket, indirectly mine as I now have to pay him back as well.Desired Settlement: I want the $222.00 that I now have to pay back; and $129.90 back for their misquoted amount. Regardless if they did or didnt add in the Sr22, they told me from the get go that it was figured into the 255.55 policy amount and as a result when it wasnt it caused me legal problems which could have damned well been catastrophic to say the least.

Business

Response:

Dear Customer:

We reviewed your file and sent a written response to you.

We appreciate the opportunity to review this concern for you. Please let us know if you have any followup questions.

Best Regards,

Representative

Review: I was contacted by mail several times by 21st Century to change my auto insurance to them. I was told due to my good driving they were reaching out to me. I called and was promised the lowest rates. They asked what my current policy was and provided a quote lower than what I was paying. Based on this representation, I switched my insurance to 21st Century. From 2012 to Present, my insurance has increased 69% with no accidents or tickets and no significant policy changes. Every time I call to find out why there is an increase, I am told it is a "statewide increase" which has already been approved so it is a waste to contact the Revdex.com. Below is a breakdown of my policy increases:

01/25/2012 $435.72;

08/27/2012 $465.90;

02/27/2013 $497.00;

08/27/2013 $608.96;

02/27/2014 $629.58

It is clear that 21st Century did a "bait and switch" or used "teaser rates" to lure customers in under the false notion of lower premiums only to increase them substantially thereafter. How else can one justify a 69% increase with no accidents or tickets?Desired Settlement: I would like for the Revdex.com to explain how a 69% increase is acceptable and why their was agreement to raise rates so drastically. I want the Revdex.com to be aware of the facts and to see first hand how these increases are affecting consumers. Finally, I would like for 21st Century to stop this "teaser rate" practice. Second, I would like 21st century to lower my premiums closer to what they promised when they first solicited my business. I recognize and appreciate modest increases, however, a 69% increase over two years with no tickets or accidents is unconscionable. I look forward to your response.

Business

Response:

The underwriting losses experienced under 21st Century Centennial Insurance Co. and the steadily increasing cost of settling claims have increased over time. Costs on items such as attorney fees, medical treatment, auto body repair, and fraud have increased dramatically. In order to meet these increased costs, and to ensure that all of our customers are adequately protected, we have increased our rates.

The following rate adjustments have impacted the insured’s premium: 04/11/12, 08/31/12, 12/05/12, 06/12/13 and 12/18/13, and they correspond to the increases outlined in the insured’s complaint. In addition, the third term was impacted by a revised rating plan, and an increase in Medical Payments limits. The fourth term was impacted by an increase in mileage on vehicle one.

21st Century Insurance does not make rate revisions arbitrarily, or without substantial statistical analysis and documentation. Although we cannot directly control the above mentioned costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs may affect auto insurance premiums whether or not an insured has had an accident or claim.

Per review of the file, the insured’s premium is being rated correctly, and the next scheduled deduction will occur on 02/27/14. Thank you for allowing me the opportunity to respond.

Consumer

Response:

Review: I have recently during a phone conversation with a 21st century agent that since 2008 I have been over charged for my auto insurance premiums approx $180.00 per year. That I had (comprehensive and collision) that was in fact not required. I feel I have been deliberately deceived, perhaps due to the nature of my disability which is a brain injury. I base this on the fact that I have made contact (via phone) several time over the last 5 years ( at least 1-2 times per year. ) asking for a lowered premium. Each of these times I stated that I wanted only the legal minimum required. Until recently this information was withheld from me.When I last called I was told that as my auto was paid off that I was no longer required to carry additional coverage that I had to have when the auto had a lean ( was still making payments ) However the auto in question a 95 buick has been paid off for 5 years now. I sent an email explaining my issue and was promptly told "There is no record of your asking us to remove the lien holder and comprehensive and collision until 11/04/13." though as I stated I had asked many times for any possible rate decrease was possible as I live on a very limited income and rarely drive.Further attempts by me to have this resolved via e-mail have been ignored even though I stated this needed to be done before I had another payment due. Though They have now removed the unneeded coverage I am owed the over payments.I feel if they were able to tell me that I was over paying on my last call I could have been informed just as well in 2008. Each time I called I asked for help as my disability causes me to have help understanding my policy as it is needlessly complicated enough without a brain injury and medication.Desired Settlement: I feel I am due a refund for the overpayment as well as an apology for being cheated, lied to and then promptly ignored.

Business

Response:

Our automobile insurance policy for the insured became effective on 11/20/2008.

On 12/09/2008, according to the application the insured had a lienholder on the policy. Both Comprehensive and Collison coverages were added.

On 1/13/2012, the insured called looking for cost savings, the representative explained annual mileage and offered to raise the deductibles from $500 for Comprehensive coverage and Collision coverage to a $1,000. The insured listened to the saving of $22.00 but ultimatley insured declined making any changes to his policy.

On 11/4/2013, we removed the Physical Damage Coverage as per the insureds request. We may not backdate Physical Damage Coverage as that decision is determined by the insured.

I had an opportunity to speak with the insured prior to my personally receiving the Revdex.com Complaint. I discussed with him that many vehicles are paid in full and insureds still carry the Physical Damage Coverage.

We will not back date the removal of the Physical Damage Coverage.

We have treated the insured with the utmost respect and we have responded promptly to each of his emails and phone calls. Our company provided coverage for the insureds vehicle.

Consumer

Response:

Review: My auto insurance policy was cancelled with out my knowledge. I was under the impression that my policy was on auto payment. 21st Century canceled the policy that would have reviewed for about $500 and now wants to charge me more than $1500 to renew my policy.

The representatives said they have no resolution besides purchasing a new policy.

I find this to be extortion and a way to charge me more for a policy. The insurance company is finding ways to better their bottom line, as there is outrageous to charge me three times more to reinstate the policy. I find this to be their way to regain the money spent on claims from last fall. I endured a gunpoint assault with car damages a year ago. The customer service given was terrible and 21st Century interrogated me multiple times in attempts to find a way to not pay for the expenses. It was a painful and frustrating experience. Now, I find myself without car insurance and with a expected high cost in order to have coverage.

As a customer, I have a clean driving record, a decent credit history and consider myself a responsible individual. I find that having to pay $1500 to ensure a 2007 HHR is a rip off and unjust business.Desired Settlement: I want the auto policy to be reinstated at the renewal rate which according to the website as of today (10/7/15) it would have been $581.

Business

Response:

Case: [redacted] To Whom It May Concern: Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond to this inquiry. As an insurer, it is always our intention to provide excellent service to our policyholders, and we regret the difficulties that this customer experienced. According to our records, the policyholder’s request to update their account with a new payment source did not occur, which caused the policy to non-renew. We contacted the customer and provided a resolution to their satisfaction. We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

Review: I haven't been with the company long. I received a bill for $294.00, I paid $300.00. Today, I received a cancelation notice, the person on the phone told me I received no such bill, even though I'm looking right at it, then proceeds to tell me he needs an additional $411.00. This is supposed to be a monthly policy. He also said I ahad credit card auto pay, which was declined, but couldn't tell me which of my accounts was on it. Incredibly unprofessional attitude. Acct number [redacted]Desired Settlement: I want my money back. I would also like to see actual professionalism come from this company. Here he was calling me a liar, and then got offended when I got upset.

Business

Response:

To Whom It May Concern: Thank you for notifying 21st Century of the concerns presented to the Revdex.com on June 17, 2015. We appreciate the opportunity to respond. Our records reflect that the customer requested the replacement of the vehicle insured by the policy. This resulted in an increase in the policy premium, which increased the scheduled monthly installment balance. Review found that the appropriate billing notices were mailed to the customer at the address on file detailing the draft balances. At the consumer's request, the policy cancelled and a refund was provided for the unused premium. A detailed correspondence and explanation of account have been mailed directly to the customer. The customer is encouraged to contact us directly should they have additional questions. We thank you for your time and attention to this matter. If we can be of further assistance, please contact us by email at [redacted]

Review: I was provided with car insurance at $319 per 6 months at beginning of agreement. I received a letter less than 1 month later saying that my vehicle was "commercial" so they raised the price to $480 every 6 months. I explained to them, that had I known this was the premium, I never would have used them. I am only asking that I am not charged the $50 cancellation fee.Desired Settlement: I will pay what I owe minus the $50 cancellation fee

Business

Response:

We would not have wanted the insured to accept our offer of insurance had we known we would not be competitive. As a result, I have waived the $50 cancelation fee. The policy was canceled effective 11/5/13 and is paid in full.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: they will not help me with a claim I had put in because they say that my car policy started on 5/01/2015. the incident happen on 4/16/2015. when I had open the new policy I ask the customer service should I call my old insurance and she had said yes. when I called them they had cancel my insurance. I never thought that by calling my old insurance they would cancel it right away. If I would have known I would had never called them. I know have this incident that I would like them to take care off and they are not willing to help.Desired Settlement: would like them to help me with my claim.

Business

Response:

Thank you for your correspondence posted on May 22, 2015, and received in our office on May 27, 2015, in which [redacted] has expressed dissatisfaction in our coverage denial of this claim. We appreciate the opportunity to review this matter and tespond .Our records indicate Mr. [redacted] reported his Toyota Sienna had been involved inan accident on April 16, 2015 However, since the policy for this vehicle did not become active until May 1, 2015, a coverage investigation was opened to determine if coverage could be applied for the loss date. Our claims personnel listened to the recording of the call from Sandra [redacted] on April 13, 2015, in which she applied for both auto and homeowners coverage to be effective on May 1, 2015. At the time of the call,Ms. [redacted] indicated she belie'9'ed her policies with State Farm were active until May 9, 2015 and/or May 31, 2015. Ms. [redacted] also asked about calling State Farm to cancel her current coverage, and the sales reptesentative advised she could call them that day. However, the representative did not advise her to cancel her current coverage prior to the effective date of her new policies. That effective date was reiterated to Ms. [redacted] several times during their conversation.Unfortunately, since the new auto coverage with our company was not yet in force at the time of the loss, we were unable to CO'Q'et the damage to the vehicle that occurred prior to the effective date.We regret we are unable to provide a more favorable response to this inqu.U.y. However, should Mr. [redacted] have any additional questions about our position, we would encourage him to contact Chums Supervisor [redacted]. Please direct any other inquiries regarding the contents of this letter to me at the above toll free number, directly at ([redacted]

CHECK YOUR COVERAGES.........they lie!!

I had 60k/100k insurance, and was getting a quote to raise my limits to 100k/300k.

I was quoted 482 every 6 mo.

I stupidly switched and never read every work of lawyer talk.

I was getting quotes from others as I do every year or so to see how competitive the rates are.

Come to find out they were lowest legal 20k/50k coverage limits!!

I have switched to a more reputable dealer with a real location.

Don't trust this fly by night company!!!!

Review: On October 11th, 2013, I was severely injured in a car accident with your insurer [redacted]. I was driving West on the 60 Freeway heading towards the Montebello Mall. As I was coming up on Crossroads the traffic had stopped and I was able to stop safely. Then your client slammed into the back of my car. Your insurer is responsible for the accident, since she clearly failed to stop before hitting the back of my car. This is a clear indicator that your insurer was driving too fast. Her car was heavily damaged maybe totaled. My car was also heavily damaged. The Doctors Diagnosis - Intial Chief Complaints 1.) Cervical pain, along with constant headaches, stiffness muscle spasms. 2.) Cervical pain tht radiated down into his shoulders and arms. 3.) Low back pain with most movement. 4.) Low back pain that radiated down into his right lower extremity. 5.) Numbness and tingling of the upper left extremities. Research studies have found that patients with acceleration deceleration injuries will continue to have symtoms of the injuries for up to 2 years after care. See Macnab, Wickstrom Etal, Stephen Forman Whiplash injuries. ([redacted] received all this information in the Report) On Decenber 10, 2013 [redacted] Offered me $700.00 for Pain & Suffering and $1,000.00 for Medical. I declined the offer because I didn’t know the final cost of my medical charges and there was no mention of any current or future coverage. He received the paperwork from [redacted], D.C. in March which totaled $3.704.00 ([redacted] said the charges were excessive - apparently he knows what the Doctors charge for Therapy & how I feel). The total visits were 23 averaging $161.00 per visit but this also includes Consutation, Intermediate Exam, Manual Therapy, Electrical Stimulation, Therapy on Exercise Equipment, Chiropractic Manipulation, OFC/Output E&M Estab Min and X-Rays. [redacted] called me on April 4, 2014 and said he would make another offer on the 8th or 9th, he didn’t call me until the 10th and offered $700.00 for Medical and $300.00 for Pain & Suffering which was less than the first offer now knowing the charges and still no mention of current and future coverage. I’m still experiencing dizziness, headaches & migranes along with the back pain. Need less to say I’m declining the offer and he did say in his message which you can listen to on my phone any time, that I can accept the offer or file a lawsuit but I just want a fair offer and settelment as soon as possible (Not sure if this is normal practice to tell people to sue your company). [redacted] has not given me a breakdown of how he came up with $700.00 or the amount of coverage the Insurer had.Desired Settlement: When I gave him a offer, I took the total Medical + Car Damage + the charge of the rental car & multiplied it by 4, Insurance companies use a rating of 1 to 5. Then Added that number of percentage of wrong doing which was 100% her fault. (I didn’t come up with this equation the Insurance companies did) I didn’t add any extra costs or loss time at my company because they were willing to work with me on the time off. Maybe I should have use the rating 2or 3. Total Medical was $3704.00 + Total Vehicle was $3144.43 + Total Rental Car $178.88 = $7027.31 multiplied by 2 = $14054.62 then add the percentage of fault which was 100% hers. Range would be $14,054.62 - &28,109.24. Again all I want is a fair offer and settelment as soon as possible

Business

Response:

We received [redacted]e’s inquiry regarding his bodily injury claim for the accident on October 11, 2013. We regret [redacted]e was dissatisfied with our settlement offer on his claim. Our records reflect we have received and evaluated [redacted]e’s medical records for this accident. Our offer was based on our evaluation and experience regarding settlement values for bodily injury claims. We would like to work with [redacted]e to resolve his claim amicably. Claims Representative Justin White extended an offer of $1,000. The claim notes reflect on April 10, 2014, Mr. White left a message for [redacted]e and outlined our offer. We received a letter from [redacted]e on April 16, 2014, and our claims office is reviewing this correspondence. We would not release the amount of coverage on our insured’s policy as this is confidential. Should [redacted]e have any questions regarding his claim we recommend he contact Claims Supervisor[redacted]

Sent on: 4/21/2014 1:09:34 PM

Consumer

Response: