A A A Michigan Reviews (28)
A A A Michigan Rating
Description: Insurance Services
Address: 3235 Eagle Park Dr NE STE 101, Grand Rapids, MI, 49525-7017
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I then called again AAA and explain again that I am simply trying to know if my motorcycle policy has been properly cancelled and find out when I could expect a refund. The agent from Flint, MI said that he did not know because it was a manual policy and that should ask my local agent. Very upsetting that no one is able to give me a strait answer to a simple question.
This is part of why I no longer want to be insured with AAA.
It's shameful after all the $ I paid AAA during the last 28 years, I get this treatment.
I had contacted my local agent to let her know of my decision to change insurance company. she had told my then that both the auto and home policies were cancelled and told me the amount to be refunded. When I asked about the Bike, she explained that she did not really know but it would take longer because it was a different process. Later I Email my local agent again, who new of my decision to go with another company, and explained the Bike situation, she said she just filed a cancellation and it would 2 to 3 weeks before a response.
I appreciate her doing that but though she would have checked on it to be sure things were going OK. TERRIBLY FRUSTRATING for anyone. I do not recommend AAA to anybody, it seems that the company got too big and customer pay the consequences.
I wish I would have made the change long ago and spared a lot of aggravations.
[A default letter is provided here which indicates your rejection of the business's offer Revdex.com: I have reviewed the offer 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 why I am rejecting this offer appear below: [You must provide details of why you are not satisfied with this resolutionPlease type details here:]No resolution has been offeredMy choices are still to either leave the company, or pay over $300/month for my auto insurance policy I do not believe there is nothing the company can do to lower my rate I also would like more information on what the "Premiere Score" uses to calculate the score because I have been closely monitoring my Fico score for the past year, and it has actually gone up a couple of pointsI have been fully covered for the past year by AAA, and nothing else has changed as far as my driving record, health insurance, etcSo why did my score change? The change in my Premiere Score is what caused the largest increase in my policy so I would like to know exactly why Regards, [redacted]
Thank you for the opportunity to respond to Mr [redacted] complaint His policy renewed on September 24, for a six-month term The renewal policy documents were issued to him on August 21, On September 11, a billing statement was issued explaining the upcoming monthly deduction schedule The monthly deductions were scheduled to be $and the first deduction was to occur on September 25, This payment was successfully received through his credit union The next scheduled deduction was for $and was scheduled for October 27, This payment too was successfully received through his credit union His daughter, [redacted] , called our member Service Center and spoke with [redacted] on October 31, [redacted] attempted to cancel the policy because of the increased insurance rates [redacted] explained that since she was not the policyholder should could fax a letter from [redacted] with his signature requesting that his policy be canceledThe fax number [redacted] provided to [redacted] was ###-###-#### and not the number presented in the complaint Apparently the fax number was misheard because this was verified after listening to the phone call The information [redacted] presented was correct: without a Power of Attorney from [redacted] authorizing [redacted] to conduct his business with us we needed something substantial from [redacted] to cancel his policy since according to [redacted] at the time [redacted] could not speak on the phone The policy was eventually canceled effective October 31, as stated in the complaint A refund of $was generated and will be issued to [redacted] as the policyholder once processed The $represents the unearned premium we received The remaining amount of the money we received from the two payments is for the earned premium on the policy for coverage from September 24, to October 31, Given the details provided we cannot refund the $as requested However, the refund of $is being processed today will be electronically applied back to Mr [redacted] account where he should see it within - business daysThank you again
I have had AAA for years and I can not believe what I have been experiencing the last 2 or 3 ROAD SIDE ASSISTANT.
I call for help with my car at 11 am when someone me and said that they would be to me in an hour, well that never happened so I called back and got a nice young man by the name I believe his name was Anthony I know it started with the A but he was amazing he really tried to help me after me calling back almost 1o'clock he talked to me until he was almost there which was in 10 minutes. Last week I call for service I was locked out my truck the service guy wasn't able to get in so he called a locksmith associated with AAA they never showed at all we called several times. I paid too much money each year to be in a situation like this I had to go to work was not able to go to work yesterday at all a day's pay lost, all because the driver called but never showed leaving me to call AAA back again in order to get the guy and see what the one that starts with the letter A. This has been the worst and I lost wages because of it. I'm very very disappointed in AAA. I may not redo my membership next year.
I was quoted a price in May for a new vehicle to be added to our insurance. When our July renewal came through it was $200 more than quoted. One AAA customer service employee finally admitted they didn't understand the price increase either and passed me along to another person, This was after they looked at all possible things it could be and the best that could be said was that the person who quoted should never have given me the quote.
The other reason was that it was an estimate. Now, estimates can be off by $10 maybe $50. When it's $200, that's a shot in the dark. And no one quoted me, "a shot in the dark."
Now, was it a mistake? Not according to AAA. I took this insurance based on their quote.
I bought the car, based on their quote. Obviously AAA does not stand by their word. If it was a mistake, for heaven sake's, hold the quote for the next 6 months and advise it was a mistake. But no, they said it wasn't a mistake and basically it was my fault to not knowing they wouldn't honor it. Basically, the implication is that I should have known it was just an estimate and if they wanted to come through $1000 or $2000 or more higher they could.
Quit the racket. Quoted from Rockford, IL office
Oh, I forgot, I am a long time customer (years and years). Good luck to the new customers
Our records indicate our insured filed a claim on 1/7/with a date of loss reported as 1/4/15. On 1/5/our insured added car rental coverage to their policy through our Member Service Center
Car rental coverage was denied for the accident that occurred on 1/4/because the coverage was
added to the policy effective 1/5/15. Since the date of loss precedes the addition of car rental coverage, our insured is not eligible for the coverage
Our policyholder contacted Mr*** on 1/8/after renting a vehicle through Enterprise. She advised that car rental should have been on her policy since inception and requested the coverage be added effective that date. We do not have any record of our policyholder contacting us to dispute coverage’s displayed on the Automobile Declaration Certificates that were mailed to the address on the policy since its inception date. Mr*** explained that backdating the coverage would require a letter of authorization from his Manager, otherwise the coverage effective date would not change and the car rental would not be covered under this claim.
The Manager declined to authorize backdating the coverage since our Insured had been advised on the Declaration Certificates of the policy coverage’s. Additionally, Mr*** advised our Insured to take their vehicle to a different dealership that provides free car rental if the current dealership does not.
Our Member Service Centers do have the capability of recording incoming phone calls. However, General Agency offices like Mr***’s are not owned by AAA and do not have the capability of recording phone calls
To request a new agent, our policyholder must submit a letter to her current Agent’s Manager requesting a specific agent or request to have the policy assigned as a house account. Being assigned as a house account means that no agent is assigned and any agent can assist our policyholder.
Based on our research our decision to deny coverage for the car rental will be upheld
Revdex.com Case Number:
Type of Policy: Automobile
Respondent: MemberSelect Insurance Company (MSIC)
The insured has submitted a complaint to your office regarding her premium increase
We have reviewed the insured’s auto insurance to determine the accuracy in the rates and it was determined that the premium charges were correct.
We had a base rate revision for all policyholders that impacted their policiesThese include a rate revision effective on 8/01/which impacted policies renewing as of 9/01/and another rate revision that was effective 2/01/for all renewals due to the increase in the cost of vehicle repairs, as well as the cost of medical and liability claims. Please note that the price of a vehicle is only one of many factors used to in an effort to address increases in the cost of vehicle repair which takes into consideration the continuing increase in part prices and labor, as well as the cost of medical and liability claims
Our records show that when the insured purchased the new auto policy she was at a different address
The last renewal declaration was mailed to her previous address which included the new base rate increases and the adjusted premium
The insured contacted an agent at our call center to update her addressDuring that conversation, the insured gave permission to have her Premier Score reorderedThe Premier Discount and the Claim Violation Experience Discount (CVED) changed which resulted in an additional premium increase
In summary there were three factors that caused and increase in the premiums charged:
The rate revisions, (her policy was adjusted on the renewal date of 2/18/to reflect these changes)
Change of address
The insured’s score was reordered and returned with a lower discount than the previous score
We can appreciate the policyholder’s situation of not being agreement; however we are unable to arbitrarily reduce her premium. All insurance rates are filed with the State of Michigan, Department of Insurance and must be applied uniformly and without exception throughout the state
This is in response to Mr***’s rejection of our response regarding the denial of claim number MI ***.
We respect Mr***’s right to disagree with the denial of this claim; however, as stated in the denial letter dated September 17, 2014, the claim was fully investigated and we found no damage to the dwelling from the Wind
The claim was denied based on the exclusionary language in the H-Homeowners Insurance Policy which states:
...Under Coverage’s A and B, we will not cover loss resulting directly or indirectly from:
Any event or occurrence listed below, whether or not any other cause or event contributes concurrently or in any sequence to the loss:
aan act or decision of any person, group, organization or governmental body, or their failure to act or decide;
bfaulty, inadequate or defective:
(1) materials used in construction, reconstruction, repair, remodeling or renovation;
(2) design, workmanship, specifications, repair, construction, reconstruction, remodeling, renovation, grading, compaction;
(3) siting, surveying, zoning, planning, development, grading or compaction; or
(4) maintenance of a part or all of the residence premises or any other property
awear and tear, marring or scratching, deterioration
bmechanical breakdown, latent defect, inherent vice or any quality in the property that causes it to damage or destroy itself;
crust or other corrosion, wet or dry rot;
fsettling, cracking, shrinkage, bulging or expansion of pavement, patios,
foundations ,walls, floors, roofs, or ceilings;
Mr*** has presented no new information that would warrant a change in our determination as indicated in our response to your office dated November 18, 2014. Therefore the determination of this claim remains unchanged.
*** ***, Consultant
Insurance Regulatory Complaint Resolution
We have reviewed the customer's concerns with the Web Payment Area for clarification on how payments are processed and can advise the following:
When making online payment through AAA the customer should always receive a confirmation that a payment is submitted. It should never be
assumed that a company has received a payment without some type of verificationKeep in mind that although confirmed as received the payment must then be processed through a clearing house to determine if the payment is accepted by the financial institute that the money will be withdrawn from
On occasion the confirmation may not occur and we are working with our information technologist to correct this issue However it is suggested that at any time you do not receive a confirmation, you should contact AAA for verificationOur representatives are able to access the Web Payment Information to verify the account numbers entered by the customer to determine if a payment was received
The payment system is designed to take check payments only and since the system does not save banking account informationIt is important that the customer make sure that each time a payment is entered that the financial institutions route & transit number and account number are entered correctlyThis will help avoid the issue of no account being found through your financial institution and cancellation of policy due to non-payment
A review of the customer’s account indicates the policy lapsed due to non-payment and a new policy had to be secured which required the ordering of a new insurance scoreUnfortunately the insurance score received was lower thus affecting the Premier Discount being applied to the new policy which increased the premium chargedIf the customer has additional questions regarding his insurance score, he should contact his agent for further discussion Regrettably we are unable to arbitrarily change the insurance score as received
*** *** Consultant
*** *** ***
I have reviewed the offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this offer appear below:
I have read the letter AAA sent us multiple times, I am not satisfied with their stance or the very minimal, if any, explanation of their stance.If it was due to poor workmanship and poor maintenance, there would be wear and tear throughout our roofThere was notIn fact, the their inspector even took photos of the parts of the roof that were not damaged by the wind and were in good conditionYet, there is not mention of that by AAAThe facts are that the roof is well maintained and intact; We have regularly maintained it throughout the past years, benefiting both us and our home insuranceThe fact that the damage is only on one side of the roof, the side that was struck by the heavy winds during that storm, makes it clear that the damage was caused by the windAAA’s claim makes no sense whatsoever. We are very highly unsatisfied with AAAWe have been AAA customers for years, and paid high premiums so they would be there for us when we needed them for the case of a stormHowever, after a storm, they are not there to help usInstead, they deny the claim based on a very faulty reason.
[A default letter is provided here which indicates your rejection of the business's offer.
I have reviewed the offer 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 why I am rejecting this offer appear below:
[You must provide details of why you are not satisfied with this resolution. Please type details here:]No resolution has been offered. My choices are still to either leave the company, or pay over $300/month for my auto insurance policy.
I do not believe there is nothing the company can do to lower my rate.
I also would like more information on what the "Premiere Score" uses to calculate the score because I have been closely monitoring my Fico score for the past year, and it has actually gone up a couple of points. I have been fully covered for the past year by AAA, and nothing else has changed as far as my driving record, health insurance, etc. So why did my score change? The change in my Premiere Score is what caused the largest increase in my policy so I would like to know exactly why.
We have reviewed the insured's inquiry sumitted to your office in which he is disputing the denal fo his homeowners claims.
After reviewing the claim and notification that was sent to the insured, we must direct him back to the letter of explanation that was originally sent to him. ...
Please know that our decision to deny was only taken after careful review and consideration of the information obtained. We must further advise that the company's position to deny based on faulty workmanship / improper installation remains unchanged.
We empathize for any misunderstanding in the handling to the insured's claim.
Thank you for the opportunity to respond to Mr. [redacted] complaint. His policy renewed on September 24, 2014 for a six-month term. The renewal policy documents were issued to him on August 21, 2014. On September 11, 2014 a billing statement was issued explaining the...
upcoming monthly deduction schedule. The monthly deductions were scheduled to be $641.40 and the first deduction was to occur on September 25, 2014. This payment was successfully received through his credit union. The next scheduled deduction was for $641.37 and was scheduled for October 27, 2014. This payment too was successfully received through his credit union.
His daughter, [redacted], called our member Service Center and spoke with [redacted] on October 31, 2014. [redacted] attempted to cancel the policy because of the increased insurance rates. [redacted] explained that since she was not the policyholder should could fax a letter from [redacted] with his signature requesting that his policy be canceled. The fax number [redacted] provided to [redacted] was ###-###-#### and not the number presented in the complaint. Apparently the fax number was misheard because this was verified after listening to the phone call. The information [redacted] presented was correct: without a Power of Attorney from [redacted] authorizing [redacted] to conduct his business with us we needed something substantial from [redacted] to cancel his policy since according to [redacted] at the time [redacted] could not speak on the phone.
The policy was eventually canceled effective October 31, 2014 as stated in the complaint. A refund of $496.10 was generated and will be issued to [redacted] as the policyholder once processed. The $496.10 represents the unearned premium we received. The remaining amount of the money we received from the two payments is for the earned premium on the policy for coverage from September 24, 2014 to October 31, 2014.
Given the details provided we cannot refund the $641.37 as requested. However, the refund of $496.10 is being processed today will be electronically applied back to Mr. [redacted] account where he should see it within 2 - 3 business days. Thank you again.
We have spoken with Mr. [redacted] and have credited the service call back to his membership account.Mr.[redacted] will be sending us the paid receipt for reimbursement of the towing service.
Review: AAA failed to update my Auto Policy's Address and Auto Billing option, this resulted in not receiving communication that a billy of $[redacted] was owed. I spoke with [redacted], at the AAA office in [redacted], MI. He was very helpful in getting everything setup with the new Policy for my Home and Auto. However, my Auto Policy's address and auto billing options were not updated correctly. Those that I have spoke at AAA including [redacted], have told me that AAA is not at fault and will not have the debt removed from my credit report even though it was a mistake on their part and the debt has been cleared.Desired Settlement: AAA's debt collector to remove "debt" from credit report.
June 24, 2013
Dear Ms. [redacted]:
Mr. [redacted] has submitted an inquiry to your office regarding an earned premium that was owed on his cancelled car insurance policy.
This concern was originally presented to this office on May 21, 2013. Since that time Mr. [redacted] has spoken multiple times with his agent, Mr. [redacted], Field Manager, Ms. [redacted] and this consultant.
On September 14, 2012 Mr. [redacted] purchased a home insurance policy for the property located at [redacted]. Pleasant Ridge with an effective date of[redacted], 2012 while still residing at his residence located at [redacted]., Berkley, Michigan[redacted]. At that time, the insured was advised by Mr. [redacted] to notify him when he moved so that he could change the address on his car insurance policy and also to let him know what date he wanted the policy for the Berkley address cancelled.
On July 24, 2012 a Renewal Declaration Certificate was sent to the insured for the policy term of August 28, 2012 to February 28, 2013.
On August 2, 2012 an Insurance Bill was sent to the Berkley address.
On September 4, 2012 a Confirmation of Policy Expiration was sent to the Berkley address.
On September 17, 2012 a payment in the amount of $[redacted] was posted to the policy.
On September 17, 2012 a Notice of Reinstatement was sent to the Berkley address.
On October 13, 2012 an Insurance Bill with a due date of October 28, 2012 was sent to the insured at the Berkley address.
On October 30, 2012, when payment was not received a Cancellation Billing Notice with a due date of November 13, 2012 was sent to the insured at the Berkley address.
On November 13, 2012 when payment was not received a Confirmation of Policy Cancellation was sent to the insured at the Berkley address.
On December 14, 2012 a 30-Day Reminder Notice was sent to the insured at the Berkley address indicating an earned premium owed of $[redacted] with a due date indicating immediately upon receipt.
On January 12, 2013 when payment was not received a 60-Day Reminder Notice was sent to the insured at the Berkley address indicating an earned premium owed of $[redacted] with a due date indicating immediately upon receipt.
When payment was not received this account was sent to the NCO Collection Agency. We have been advised that NCO sent a letter to the insured at the Berkley address. The agency allows the client 30 days in which to pay the earned premium. When no payment is made it is then placed on the clients’ credit report.
In my conversations with Mr. [redacted] I inquired if he had put in a forwarding address with the United States Post Office. He stated that he had. Any mail that is returned as undeliverable is documented in the insured's file. Our records indicate that of the notices referenced above one piece of mail was returned and that was the Cancellation Billing Notice that was sent October 30, 2012. All other documents referenced herein that were sent prior and after October 30, 2012 were not returned. Therefore we must presume that all notices were forwarded to the insured at his address in Pleasant Ridge.
There is no record of the insured calling to update his account until February 21, 2013 when he called to check on his auto insurance stating that he had not received a bill. Mr. [redacted] was advised that his policy had been cancelled for non-payment of premium. This same date, he called Mr. [redacted] and his policy was re-written.
Our records indicate that the earned premium was paid and was posted to the cancelled policy on May 6, 2013.
It is our understanding that a letter was sent to Mr. [redacted] from NCO indicating that the debt has been paid in full. This information will also be reflected in his credit report within 90 days of NCO notifying the credit reporting agencies. However, we can find no error on the part of the company and regret that we are unable to honor Mr. [redacted]’ s request to have this debt removed from his credit report.
Insurance Regulatory Complaint Resolution
Review: AAA Michigan has decided to change my Billing on my Insurance with out my Authorization. I have called over and over and not gotten anywhere with these people. Today I called and wanted to speak with the Manager and I was told that they couldn't, this is pertaining to the people that are there in the call center. I have been told in this letter I received today that my policy has been removed from automatic deductions, changing on how I pay my insurance etc etc. Its between AAA and my bank, not me.Mind you, I have been doing buisness with AAA for 20 years now and have NEVER been late or missed a payment, PERIOD!
I M GETTING fed up with the GREED of these White Collars @ AAA.My car just turned 14 years old and every year I get my renewal for Insurance, AAA decides to give themselves a raise.I will NOT TOLERATE the greed of this [redacted] company. Every 2 years I am paying the total amount that the value of my car is.Desired Settlement: AAA WILL keep my payment and service EXACTLY as I have had it for all these years I have been doing buisiness with them!
You can get me the money I have coming to me that the yuppy white collars are stealing from their customers!
In response to [redacted] concerns about the change in his billing on his home policy, he was on automatic deduction payments for the policy term August 28, 2012 through August 28, 2013. In the policy term there are 10 equal deductions of $59.20 from August 2012 through May 2013. The payments on the policy were being deducted through February 2013 when the policy was asked to be cancelled, at that time a refund check of $116.40 was sent to [redacted] for overpayment on the policy. The policy was then asked to be reinstated with a balance on the policy of $294.00, because of the time frame when the policy was reinstated there was no March deduction. In April we billed the financial institution for a payment of $147.00 which was one half of the remaining balance on the policy and the payment was received. In May we billed for the remaining balance of $147.00 and on May 10th, we received notification that there were insufficient funds in the account, according to the rules the financial institution will try twice to take the payment, after which the billing system will convert the policy to a direct bill option and request the remaining balance on the policy.
On May 18th, [redacted] spoke with [redacted], a Supervisor in the Call Center, concerning the billing on his home policy. [redacted] informed [redacted] that he would e-mail him a new authorization form so that he could be placed back on automatic deduction. [redacted] was informed that he would need to make the missed payment of $147.00 and that after the payment posts to the system, the billing option change would be processed to automatic deduction. [redacted] e-mailed the authorization form back to [redacted]. On March 20th, [redacted] stated that he would make the payment at a AAA branch office.
Review: Twice last year and this year paid my AAA car insurance in full on line a week later a letter stated I was turned down said bank account did not exist the web site should have said please correct following error did not even get and e-mail stated payment did not go threw I have never in my life been late on a payment but my payment was early AAA representative himself [redacted] said himself the web site is totally messed up on online payments now I had to renew a new policy and pay $191.40 more cause my payment didn't go threw on line I went down in person and paid in full NOW my insurance score went from 724 down to 699 AAA told me I must of put a wrong routing number in if I did it would tell me please correct info AAA knows its wrong and I want a refund of $191.40 and my score back to 724 this is absurd when I have been a loyal customer for 5 years never lateDesired Settlement: I want the web site fixed as I speak my car insurance is not on the web site but my house insurance is I told them and told them my car insurance keeps disappearing an I have to keep adding it back this is and easy fix this is a monthly problem I was told than please fix it PLEASE HELP!
We have reviewed the customer's concerns with the Web Payment Area for clarification on how payments are processed and can advise the following:
Review: The insurance company does not want to pay out on all the damages to my vehicle that happened to to an accident. Im a AAA member an have full coverage. They are trying to say it is a wear n tear issue on a 7 year old car. The vehicle was driving perfectly fine before the accident. The vehicle is no longer safe to drive and the insurance company does not want to pay for all the damages.Desired Settlement: Pay for damages to fix my vehicle and make sure its safe to drive
April 26, 2013
The name on this complaint is incorrect. [redacted], is the Claim Representative who inspected the insured's vehicle. The complainant/insured's name should read [redacted]. The policy number is AUT[redacted] and the claim number is[redacted]
This same complaint was filed with the Illinois Department of Insurance (IDOI). It was received in our office on April 18, 2013. Attached, you will find a copy of the response that was sent to the IDOI on April 23, 2013.
If you have any questions, please call me.