21st Century Insurance

I was not able to send this response the web page wayI hope you can still post thisI am willing to review any documents she may have to support her view
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Please provide a brief and factual response to the complaint that you received.Our former insured has an outstanding balance of earned premium $Our records reflect that our balance is correctI left a detailed message for the former insured that if she has a bank statement showing we received the alleged $payment we will gladly research the matter furtherThe last payment of record was 2/13/2014, in the amount of $This policy has been sent to collectionsI asked the former insured to fax any supporting documents to *** and to contact us and confirm the same
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Thank you for the opportunity to respond to our former customer's concern
The aforementioned error in re-establishing *** ***’s auto pay enrollment contributed to his policy cancelling for non-payment effective 5/19/We did notify him by e-mail that a billing notice was available to viewThe notice advised him to mail in his paymentWhen we did not receive the payment, we mailed a cancellation notice advising of the past due amountHe did not respond to either of the notifications
Due to the auto pay failure, an accommodation was offered to reinstate the policy with or without a lapse in coverage*** *** declined this offer of reinstatementWe still waived the $cancellation fee that was assessed when the policy canceled for non-payment even though he declined to reinstate the policyThe remaining earned premium balance of $is for coverage provided up until his policy canceled on 5/19/and is due to be paid to our company
The earned premium balance has been sent to our collections agency, *** *** ***, as it has remained unpaid for more than days*** *** will need to contact First Source Advantage directly at *** to make payment arrangements for this remaining balance
Please let me know if you have any additional questions or concerns

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The attached offer of $1,does not include the devaluation of my vehicleAccording to Kelly Blue Book, my vehicle was worth $12,prior your clients at fault accidentThe average loss in value after an accident is between 10% - 30%Now my vehicle is worth about $9,causing a loss of $2,If the additional amount of my vehicles devaluation of $is added to the $1433.19, totaling $3833.19, I will accept this outcomeIf you are unwilling or unable to meet this request, I will have to insist this go to litigation and for the accident and my damages will need to be reevaluated by a professional.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am attaching a copy of my payment history with explanation of why they owe me $in over payment by meAs you can see they have been able to keep my payments on an even payment because they figure it either for months or a year then take automatic payments from my checking accountIt's never late due to auto payThis would be worse if I had not called them before the Oct 2nd payment when I complained about the rising paymentsThey lowered it for October and November then it jumped in December enough to get back the reduction for the months which almost $more a month that when started with my new vehicleThe last straw was the next increase of additional for April 2nd 201. I have done the math on all of the increases which you ca do with this copy of my payment historyI come up with a total of $I may be off a couple of cents but that's allThey held my payments within $from 4/2/thru 9/2/which is months which amounted to a cost of $So why would I stand for increases of over $in a period of months????? My and my family's driving records haven't changed!! The state of Minnesota has had one of the mildest winters on record with almost ZERO iceI'd like to know how the costs for Minnesota drivers could possibly even gone up????? That doesn't even seem possible!!!!
Regards,

Our fees are printed on the second page of our Billing Invoices, and are filed with the State of FloridaWe assess a $fee when a premium payment is returned from the bankWe make exceptions to the fee when it becomes evident that a bank error occurredIn this case, the insured knowingly
canceled his debit card, which resulted in the returned paymentWe certainly understand the insured’s position, however; we beleive the insured had sufficient time to notify us and to change the bill planUnfortunately, the the fee remains valid

I apologize for the delay in responding to his rebuttal.We do not allow a household driver to be added for two weeks onlyAll licensed household members must to listed or excluded from the policyThe waiver is for students away at school who are excluded from the policyThis information was provided to Mr*** prior to his canceling his policyThe cancellation fee and the premium charge for his son being added to the policy is valid and will not be waived.We consider this matter closed.?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
In addition, road side assistance stated I have wheel locks on my vehicle and that is incorrect, I have lugs they did not carry any tools

We apologize for the delay in our responseIt appears that the consumer's information was secured from a sub source of one of our affiliated partners. As a preventative measure, our Marketing Department has initiated a pause on this sub source, which should stop/and or decrease incoming referrals. In addition, the consumer's information has been added to our Do Not Call listWe apologize for any inconvenience this matter has caused

Tell us why here...In our evaluation of Mr***’s Kia Optima, we considered the mileage, options, condition and recent maintenance. We referenced a market valuation report from CCC Information Services, Inc(CCC), a third party vehicle
evaluation company, along with NADA, AutoTrader and Kelley Blue Book evaluation websites. We also obtained an appraisal from ClaimSolution, Inc
Based on our research, the actual cash value of Mr***’s vehicle was $2,995.00. After adding $for sales tax, $for license/transfer fee and subtracting the $deductible, the net settlement offer was $2,
We maintain our net settlement offer is fair and accurately reflects the actual cash value of Mr***’s vehicle. We also maintain his claim has been handled in accordance with Florida Statute and all other applicable statutes. Our claims department has discussed the appraisal option as described in the policy to Mr***
Should Mr*** wish to discuss his claim, he may speak with Claims Supervisor *** *** ** *** ***
Thank you again for the opportunity to review Mr***’s concerns and respond. Should you have any additional questions, you may contact me toll free at *** *** *** *** ** ** ** *** *** ** *** *** or by e-mail at ***
Sincerely,
21ST CENTURY CENTENNIAL INSURANCE COMPANY
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Thank you for the opportunity to respond to our insuredOur records reflect the insured's payment due on 1/28/2014, was reversed
Later in the evening of 1/28/2014, the insured went online and made a payment for the reversed payment.
At this point we had already
charged her for the late fee and the returned payment fee since her regularl scheduled payment was not received according to the automated billing plan
The total fees were $15.00. The payment the insured had made was through our automated voice systemThat payment wasnot updated and credited on 1/29/
Her actual credit card was updated on 1/30/
The insured confirmed she had the new card for about days prior to contacting usThis is why we explained that we did not make any errors and we would not waive the $in fees
After reviewing the policy and in the interest of meeting the insured's expectations we have waived the $for the insured
We appreciate the insured's business and I am sorry this was not resolved at the Customer Service level

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
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I beleive this complaint crossed in the mail with my May 23, 2014, response
Thanks

Documentation of there involvement in my insurance claim, also involvement with the California Department of Insurance

Case: ***
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To Whom It May Concern:
Thank you for notifying 21st Century of the concerns presented to the Revdex.comWe appreciate the opportunity to respond to this inquiry
Our records reflect that the renewal policy experienced a premium decrease over the prior termWe regret that this information was not clearly communicated to our customerUpon review of our policyholder’s interaction with our sales department, we wish to apologize for their unfavorable experienceWe acknowledge that his wife maintains a learner’s permit, and therefore does not need to be included as an operator on the policyAs an insurer, it is always our intention to provide excellent serviceWe appreciate our customer’s feedback concerning the difficulties experienced
We thank you for your time and attention, and we apologize for any inconvenience this matter has causedIf we can be of any further assistance, please contact us

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my
complaint. For your reference, details of the offer I reviewed appear below
The company is lying regarding the fact I was ineligible for insuranceI was sent the application in which I am attaching screenshots ofThey told me conflicting information which is also attachedThe *** *** agency is refusing to assist because the home is in a predominately African American community They were going to insure the home without problem until they found out where the home was located

*** ***' claim was reported on August 20, 2014, after her vehicle was damaged in a collisionAfter the collision, *** *** left her vehicle at the accident scene overnight, and it was subsequently reported
stolenDue to the circumstances surrounding this matter, we asked our Special Investigations Unit to assist us in completing our investigation of the factsWe have since been trying to reach the police officer that responded to the accident scene, but have been unable to obtain all of the necessary information to dateWe are continuing our efforts and will proceed accordingly once we have been able to discuss the matter with the officer*** *** has been kept informed of the status of our investigation, most recently on Monday, September 29, We spoke to her again on October 2, 2014, and will continue to keep her informed of our progressIn the interim, should *** *** have additional questions she may contact Senior Special Investigator *** *** ** *** *** ** *** *** *** *** *** ** *** ***
Sent on: 10/3/11:38:AM

Thank you for your recent filing dated July 14, 2014, regarding this matter We appreciate the opportunity to respond
This claim was reported on July 12, 2014, after personal property was stolen out of a vehicle at the ***s' home Our file indicates Claims
Representative HeatherHopkins spoke to *** *** on July 14,2014, and after reviewing the policy information informed him theft coverage was not included Mr*** indicated he was unaware he did not have theft cover and that his agent did not advise hint of this, but he so acknowledged he did not specifically request such cove.t:age when the policy w purchased During a subsequent conversation with the agent's office, we were advised the insured did not request theft coverage at any rime
As Mr*** asserted his policy should have included theft coverage, we conducted a coverage investigation to determine if any errors were made in writing his policyIn doing so, we determined there is no evidence the policy was written in en:or, and confirmed the insured never requested theft coverage at any timeFurther, the agency confirmed the insured was notified specifically that no theft coverage was included when the policy was writtenI am sorry we cannot provide a more favorable response to Mr***'s inquiry; however, we do not owe any premium refund as he was provided the coverage paid for during the policy period

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I called 21st Century Auto Insurance claims department at *** and they were still able to pull up my name, date of birth, old address, and old phone number(***) in their systemCalifornia Department of Insurance told me that the law does NOT require insurance companies to keep former customer information after the account closure, provided that account has been closed in good standingMy account has been closed in good standing and I do not owe any fees to the 21st Century InsuranceTherefore, I request that ALL my personal information be removed from the 21st Century Insurance system and paper files
Regards,

We have received *** ***'s rebuttal dated May 30, 2014, and received by our company on June 5, 2014, in which *** *** continues to dispute ow: liability position and the amount we ate willing to pay for her damages She also now has asked yout office to contact the other carrier involved in this matter Please note that out company is unable to comment on the other carriers liability position
We maintain that our liability position is appropriate based on our investigation of this accidentAs such, we are unable to pay more than half the cost of *** ***'s repairs, up to our insured's policy limitsHowever, regarding our settlement offer, our company is willing to review any information showing the cost of .repairs exceeds the amount of ow: estimateWe might also suggest *** *** could have her repairs completed through her own insurance company if she carries collision coverage on her policy Her carrier could then pursue the matter with both our company and with *** *** through the subrogation process
Should *** *** have any additional questions about this matter, or additional documentation to provide to show the extent of damage or cost of repairs to her vehicle caused by this accident, we would encourage her to contact Claims Supervisor T** *** *** ** *** *** Please direct any other inquiries regarding the contents of this letter to me at the above toll free number, directly at *** *** ** ** *** ** ***