Advanced Mechanical Corp.

This is in response to your March 24, 2015 correspondence to the Revdex.com. I appreciate you taking the time to speak with me on March 25, 2015 regarding your previous homeowner policy. Please accept my apology for the delay in your refund. I regret the inconvenience this matter has...

caused.
This policy renewed effective May 27, 2014 and cancelled at your request effective February 20, 2015. A $358 refund check issued to your residential address on February 17, 2015 reflecting the credit balance after the cancellation.
On March 14, 2015 you contacted our customer service department to inquire about the status of the refund check as you had not yet received the check. A stop payment was placed on the February 17, 2015 refund check and the check was re-issued to the same address on March 17, 2015.
After speaking with you on March 25, 2015, I placed a stop payment on the March 17, 2015 refund check as you advised you still had not received the check. At your request, a $358 Automated Clearing House (ACH) refund was issued to your bank account on March 30, 2015. Please allow 3-5 business for receipt.
Ms. [redacted], we are sorry to have lost you as a customer. Please feel free to contact me with any additional questions or concerns. I will be happy to assist you.

Dear [redacted],This is in response to your correspondence received through the Revdex.com on October 17, 2016 regarding your balance remaining. I am truly sorry we have lost you as a customer and appreciate the opportunity to respond. My hope is to provide the clarity you are looking...

for.Automobile PolicyThis policy renewed April 21, 2016 with an annual premium of $2,509. You selected Electronic Funds Transfer (EFT) as your preferred payment method. EFT allows the annual premium to be paid in twelve monthly installments. Your first payment of $209.08 ($2,509 divided by twelve with the final payment adjusted a few cents) processed May 20, 2016 and the balance was reduced to $2,299.92.On June 1, 2016 we received a telephone call from you, asking what date the policy was paid up to. We advised May 20, 2016, as the single payment received on the renewal paid the policy from April 21, 2016 to May 20, 2016.No additional payments were received and this policy was later cancelled per your request, effective June 15, 2016. A $2,131 credit was applied for the unused portion of the policy term which reduced the balance remaining to $168.92. A final $173.92 (including $5 billing fee) bill issued June 16, 2016 due July 6, 2016.Since the final bill remained unpaid, it was referred to collections on September 14, 2016. Liberty Mutual uses a third party vendor, [redacted] to secure past due premium owed for cancelled policies. I apologize if you were surprised by this course of action, but it is one we must take when we do not receive final payments on cancelled policies. The $173.92 balance remains due. A billing history is attached for your review.Condominium PolicyThis policy renewed April 24, 2016 and was cancelled at your request effective June 15, 2016.Prior to your renewal, you were receiving a discount for having no qualifying claims in the previous three years. This discount was removed on the April 24, 2016 renewal due to the January 19, 2015 water damage claim. While we always attempt to subrogate, or recover payment from a responsible third party, it is not always possible to recover the full amount. The loss resulted in a net $5,469.22 payment issued after subrogation recovery.You had a previous $2,314.83 claim from November 11, 2013 which was forgiven under our claims forgiveness program. Since we had previously forgiven a loss in the prior five year period, your second claim that occurred approximately fourteen months later was not eligible for forgiveness.As we indicated in our previous response dated June 13, 2016, there is no designation of fault associated with a homeowner claim, unlike automobile policy losses.[redacted], thank you for contacting us. We appreciate the time you allowed us to provide for your insurance needs. Again, I am sorry that we have lost you as a customer. If you have any other questions or feedback to share, please do not hesitate to reach out to me directly at any time ---I will be more than happy to assist you.Sincerely,[redacted]Associate Customer Care SpecialistCustomer Care UnitTele: [redacted]Fax: [redacted]Attachment

this is my response to this inquiry.

Dear Mr. [redacted],   This is in response to your additional correspondence to the Revdex.com regarding your homeowner policy.  I regret to hear of your continued concern and appreciate the opportunity to respond.   As I indicated in my previous response, there were multiple factors that impacted your renewal premiums since 2014.  Increasing costs of repairs, medical expenses, and extreme weather called for a review of our prices.  Other factors such as fraud, attorney fees and litigation costs may also contribute to the cost of your policy.    Regarding the amount of the increases, it is never our intention to disappoint a valued customer.  However, we are unable to commit to keeping the premium the same each year.  The premiums we charge are the rates needed to ensure we meet our financial obligations to our customers.   Mr. [redacted], if you have further questions or concerns, please feel free to contact me.  I will be happy to assist you.   Sincerely,   [redacted] Associate Customer Care Specialist Customer Care Unit Personal Insurance Distributions Operations Tele: [redacted] Fax: [redacted]

RE:  Personal Automobile Policy: [redacted] Consolidated Insurance Company/ NAIC: [redacted]Dear Mr. [redacted],This is in response to your additional correspondence to the Revdex.com regarding your automobile policy. I appreciate the opportunity to further reply.I regret the promotional mailer continues to cause you frustration. Our advertising refers to an average savings based on customers who switched to Liberty Mutual Insurance and stipulates that individual premiums and savings may vary. The concerns should be rectified with the removal of you and Ms. [redacted]’ name from the mailing list. Accusation of intent to falsely advertise is inaccurate and inappropriate, as we have already explained how we received your name and action taken to cease additional mailings.As previously mentioned, the savings advertised in the mailing have already been factored into your premium. You are receiving many vehicle level discounts, including your hybrid vehicle discount, vehicle safety, and anti-theft devices. Additionally, there are policy level discounts which include your [redacted] Alumni Association discount, Early Shopper, Paperless, New-to-Liberty, and New Move discounts.Regarding the removal of your previous vehicle, I amended the policy to remove the 2005 [redacted] effective November 6, 2016. The loss occurred on October 6, 2016 and the rental vehicle was returned on November 5, 2016. Prior to receiving this request, the vehicle was removed from the policy effective December 20, 2016. As a result of the policy amendment, an additional $61 credit was applied to the policy which adjusted the current balance due to $1,166.Mr. [redacted], I hope that I have addressed your additional concerns today. If you have questions unrelated to this matter, please feel free to contact me directly. I will be happy to assist.Sincerely,[redacted]Associate Customer Care SpecialistCustomer Care Unit[redacted]

Dear Mr. [redacted],
This is in response to your January 20, 2015 correspondence to the Revdex.com regarding your previous homeowner policy. I appreciate the opportunity to respond to your concerns. Please accept my apology for the delay in your refund. Our goal is to provide...

exceptional customer service. I regret we did not follow through.
Feedback has been provided to the appropriate management to review and address to prevent a recurrence of your concern.
This policy initiated effective November 2, 2012, subsequently renewed effective November 2, 2013, and was cancelled at your request effective October 21, 2014. After cancellation, there was a credit balance of $2,022 which was refunded to you on October 21, 2014.
After we were notified the October 21, 2014 refund check was not received by you, a stop payment was placed on the check and new refund check was issued on December 8, 2014. When you did not receive the second refund check, it was determined that both refund checks were sent to a prior address.
The mailing address was updated as follows:
[redacted], TX [redacted]
A $50 refund check issued to you on January 20, 2015, and a $1,972 refund check issued to you on January 23, 2015. Both refund checks were mailed to the address listed above. Please allow 7-10 business days for receipt.
Mr. [redacted], we are sorry to have lost you as a customer. Please feel free to contact me with any additional questions or concerns. I will be happy to assist you.
Sincerely,
[redacted] Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: [redacted] | Fax: [redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
Liberty Mutual very well knows and have accepted the fact that they made an error or mailing the check to the wrong address.  They also have an affidavit with my signature that proves that the check was not cashed by me.  Yet they want me to wait to get my refund back.  They very well know that the bank will if not already refund them their funds.  I do not understand why I have to wait for their error. I was supposed to pay my escrow with that refund check.  They are not going to wait and if I would have not paid liberty mutual my premium on time they would have cancelled my policy.  But if they make an error yet the customer has to suffer.  How is this fair.    I do not understand how a business gets away with not correcting their error and asking customer to wait and follow their policy of fixing their error.  I followed their policy while I was their customer and I expect them to accept their responsibility of refunding me in a timely fashion.  I should not have to wait even a month let alone 6-9 months.  
Regards,
[redacted]

April 15, 2016
Revdex.com serving Eastern Massachusetts, Maine, Rhode Island and Vermont
RE: Complaint #: [redacted]
Homeowner’s Policy
Liberty Insurance Corporation: NAIC [redacted]
To Whom It May Concern:
Thank you for sending your inquiry regarding the above referenced policy. Our records (proof of mailing) shows that the cancellation notice was sent to the insureds’ listed address on February 11, 2016.
I hope this information provides clarity regarding our decision and the premium refund.
Sincerely,

[redacted]. Compliance Analyst

Dear Mr. [redacted], This is in response to the January 26, 2016 correspondence to the Revdex.com regarding your previous automobile policy. I have been asked to respond and I appreciate the opportunity.  I regret any inconvenience this matter has caused you.  Our records...

indicate you initially contacted us May 13, 2015 and June 18, 2015 in order to obtain quotes for transferring your insurance from New York to Michigan.  At that time, you declined to initiate a Michigan policy with Liberty Mutual Insurance.  Our representative advised you of the plate return requirements and ensured you were advised that there may be possible fines if the license plates are not returned prior to the policy cancellation.  Any fee or fine assessed by the New York Department of Motor Vehicles (NY DMV) is entirely at their discretion.  I am pleased they did not assess a fine in this case.Since we were not notified you obtained alternate coverage, this policy remained active and the billing continued.  After consecutive bills issued to you May 18, 2015 and June 18, 2015 remained unpaid, a cancellation notice issued to you July 13, 2015 advising a minimum payment of $678 was required prior to August 2, 2015 to prevent cancellation of this policy.  No payment was remitted and this policy cancelled effective August 2, 2015 for non-payment of premium.  After cancellation, a $138 bill issued to you August 10, 2015 due August 30, 2015 reflecting premium due for coverage provided through the August 2, 2015 cancellation date.  You contacted our sales office August 18, 2015 when you advised that you obtained other insurance effective July 1, 2015.  This policy was reinstated and you were again advised about the plate return requirements for the state of New York and that the plates must be turned in prior to the cancellation of the policy.  In addition, physical damage coverage was removed from the vehicles and the annual premium was adjusted from $1,426 to $766.  When we did not hear from you regarding the plate return, our service representative contacted you September 29, 2015 to inquire if the plates had been returned.  You advised they had and together we initiated a conference call with the NY DMV to confirm the date the plates were returned.  They confirmed the plates for the 2009 Honda were surrendered September 8, 2015.  Our representative offered to backdate the cancellation to July 1, 2015 and issue a PS-613, which describes the impact of cancelling a policy in NY without returning the plates first.  You declined to make any changes at that time and the policy remained in force and billing continued.As the bills issued to you remained unpaid, another cancellation notice issued to you November 11, 2015 advising a minimum payment of $372 was required prior to December 1, 2015 to prevent cancellation.  However, you contacted our sales office November 17, 2015 and advised you were going to contact the NY DMV and request a copy of the FS-6 showing the date the license plates for both vehicles were surrendered.  This information would allow us to backdate the cancellation appropriately.Neither the prior information was received nor was a payment remitted; therefore, this policy cancelled for non-payment effective December 1, 2015.  A $331 bill issued to you December 8, 2015 due December 28, 2015 for the residual balance owed for coverage afforded through the cancellation date.  As we did not receive your final payment within 21 days of its due date, we forwarded the balance to a third-party collections vendor, [redacted] ([redacted]), which is how all unpaid balances on cancelled policies are managed at Liberty Mutual.  On January 25, 2016, we received notification from you that the license plates for both vehicles had been returned and our representative initiated the process to cancel.  We agreed to cancel retroactive to July 1, 2015 as you obtained alternate coverage effective that date and understood the repercussions of cancelling insurance on a vehicle registered in New York State.  The cancellation date for this policy has been adjusted to July 1, 2015 and the balance remaining has been adjusted to $25 which reflects the premium owed to pay the policy through the July 1, 2015 cancellation date.  A final bill issued to you January 29, 2015 due February 18, 2016 and I mailed a copy to your Michigan address under separate cover.  [redacted] has been updated and Liberty Mutual did not report to any credit bureau.  A billing history is enclosed for your review.  Mr. [redacted], I thank you again for reaching out with your questions and comments.  I hope that I have answered all of your questions today.  If not, please feel free to contact me directly at [redacted] or by email at [redacted] and I will be more than happy to assist you.Sincerely,[redacted]Associate Customer Care SpecialistCustomer Care UnitPersonal Insurance Distributions OperationsTele: [redacted]Fax: [redacted]Enclosure

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. . 
 
As I stated in my complaint I want the charges removed from my account. I will not be paying your fee as you did not respond accordingly nor in a timely manner and that is what caused the delay in canceling my policy  I was waiting on your representative to get back to me because they wanted me to wait and see if they could give a better rate. Also most important dissappointments  was the customer service we received!!!Regards,
[redacted]

Dear Ms. [redacted],This is in response to your March 8, 2016 correspondence to the Revdex.com.   I have been asked to respond to your concerns. Thank you for reaching out regarding the balance due on your automobile policy.  I apologize for any miscommunication that may have...

occurred regarding the billing at the policy inception.  I am sorry to hear that your situation was further compounded after you were notified of the outstanding balance still owed after cancellation of this policy.  My hope is that this response will provide you with the clarity you are looking for.First, I would like to provide a little background.  Your automobile policy was created on June 26, 2015 with an annual premium of $606.  After your $50.50 down payment, the balance due adjusted to $555.50.  Effective October 4, 2015 we removed the RightTrack discount as the terms and conditions were not received in order to participate in this program. This resulted in an annual premium revision from $606 to $635 and a prorated charge of $21 applied to the policy for an adjusted balance due of $576.50.  We issued a $576.50 bill to you December 7, 2015 due December 27, 2015.   When this bill was not paid a $576.50 past due bill was issued January 6, 2016 due January 26, 2016. Since we took a down payment when the policy was first initiated, the bill was issued for the remaining balance due on the policy.   Our records reflect that this policy was cancelled effective December 29, 2015 at your request. After cancellation, a $311 prorated credit was applied to the policy leaving a $265.50 balance due.  A $265.50 bill issued to you January 14, 2016 due February 3, 2016 reflecting premium due for coverage provided through the December 29, 2015 cancellation date.   As we did not receive your final payment within 21 days of its due date, we forwarded the $265.50 balance to a third-party collections vendor, [redacted], which is how all unpaid balances on cancelled policies are managed at Liberty Mutual. I apologize if you were surprised by this course of action, but it is one we must take when we do not receive final payments on cancelled policies.  I enclosed a billing history detailing the transactions and confirming the $265.50 balance which remains due.Ms. [redacted], thank you for contacting us with your concerns. I hope that I have answered all of your questions today. If you have any other questions or feedback to share, please do not hesitate to reach out to me directly at any time—I will be more than happy to assist you.Sincerely,[redacted] Associate Customer Care SpecialistCustomer Care UnitPersonal Insurance Distribution OperationsPhone: [redacted]  Fax: [redacted]Enclosure

August 18, 2017     Re: Revdex.com Number:                          [redacted] NAIC...

Number:                                    �...⇄ Underwriting Company:           [redacted] Insurance Company Line of Coverage:                     Personal Automobile Policy     Please accept this letter in response to your inquiry dated June 5, 2017, which was received by our Presidential Service Team.   Liberty Mutual Insurance apologizes for any confusion we would have caused our customer in regards to his personal automobile insurance policy. This policy was thoroughly reviewed by a Sr. Customer Advocate, below are our findings:   Our customer created an online quote for a personal automobile insurance policy on March 20, 2017.  This quote was created and the Right-Track discount was added to the quote.    Our customer then called in on March 23, 2017 to have the quote that was created online, bound by an agent of Liberty Mutual Insurance.  This quote was completed with an effective date of April 29, 2017. At the time our customer paid the policy in full for the 2017-2018 term.   On April 25, 2017 Liberty Mutual Insurance received the Terms and Conditions of the Right-Track program and our customer declined the program by electronically signing the form needed to opt him out of the program.  In doing this, the initial discount was removed and our customer received and additional charge of $228.00 to his policy.   On August 7, 2017 Liberty Mutual spoke to our customer in regards to the increase in the annual premium and the removal of the Right-Track discount.  During this conversation, our customer advised he would like to add the discount back onto the policy, and Liberty Mutual Insurance added it at that time. Due to the change in policy our customer received a pro-rated credit of $164.00 and was sent a new Terms and Conditions form, which he singed.    At this time our customer’s personal automobile policy has the Right-Track discount added and the devices will be distributed for use.   If you have any questions, please contact me.     Very Respectfully,     [redacted] Senior Customer Advocate [redacted]
[redacted]

RE: Homeowner Quote
Dear Mr. [redacted],
This is in response to your February 26, 2015 correspondence to the Revdex.com regarding the telephone call you received concerning a recent homeowner quote. I appreciate the opportunity to respond to you and apologize for the...

inconvenience this matter has caused. We value your personal privacy and appreciate your willingness to share your experience.
We have affiliations with third parties (including insurance brokers) and receive referrals when potential customers are seeking insurance quotes. Although I am unable to speak for the company who contacted you, today I removed your name from our contact list so you should not receive any telephone calls directly from Liberty Mutual Insurance.
In addition, I am currently researching the source of your referral so feedback may be provided to prevent a recurrence of your concern. If you have any additional information to provide that may assist me with my research, or if you have any additional questions or concerns, please feel free to contact me directly. I will be happy to assist you.
Sincerely,
[redacted] Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: ###-###-#### | Fax: ###-###-####

Dear Mr. and Mrs. [redacted],  I am the Team Manager over [redacted].  I have reviewed your Revdex.com complaint and your claims file.  It is my understanding, our customer, [redacted] has replaced the broken bed in question. In addition, it is confirmed you have not sought any medical treatment...

or documentation to confirm that any injury or failure to produce breast milk was caused by this incident.  However, the adjuster assigned to your claim has offered $1000 to resolve your claim as a customer courtesy.  This offer is reasonable and fair to resolve this matter.  Unfortunately, we are not able to justify a settlement of $50,000 based on the facts currently presented.  Please feel free to contact me as your convenience to discuss your claim further.

I have been unable to locate a claim with the information provided.  Please provide the claim number, name of plumbing company and any additional information that would help to identify the claim.Thank you,[redacted]

Dear Ms. [redacted],This is in response to your additional correspondence to the Revdex.com.  I appreciate the opportunity to further respond.  I attempted to contact you by telephone on August 5, 2016; however my attempt was unsuccessful. I regret that you continue to have unresolved concerns regarding the cancellation of your automobile policy.  After sending my prior response, I was able to locate the divorce decree.  I apologize that this was previously missed. After receiving your additional correspondence, I reviewed the policy and our records reflect on October 4, 2012 Mr. [redacted] agreed to remove himself and the 2000 [redacted].  Since the divorce was not yet finalized we advised that he would need to remain on the policy.  As I have previously indicated, we attempted to reach him both by phone and mail and have been unsuccessful. In order to cancel this policy we would need to have documentation reflecting the 2001 [redacted] was only in your name.  If you can provide a bill of sale, title or vehicle registration, then I would be happy to cancel the policy.  You may forward the required information to me by facsimile to [redacted], email attachment to [redacted] or mail to [redacted].  Once received, I will cancel the policy for the date specified.  I understand the frustration you are dealing with trying to resolve this matter; however we must confirm that we are not leaving a policyholder uninsured when we can cancel the policy.  You indicated that you will not make another payment, once the policy is cancelled, you will either be issued a refund or a bill for the balance remaining. Ms. [redacted], I regret the inconvenience this matter has caused.  If you have any further questions or concerns, please contact me directly.  I will be happy to assist you.Sincerely,[redacted]Associate Customer Care SpecialistCustomer Care UnitPhone: [redacted]  Fax: [redacted]

RE:      Personal Automobile Policy: [redacted]             Liberty Mutual Fire Insurance Company / NAIC: 0111-23035                      Dear Mr. [redacted],This is in response to the December 21, 2015 correspondence to the Revdex.com.   I appreciate the opportunity to further respond.After we spoke on December 17, 2015 your concerns were redirected to my manager for handling since you requested further escalation. My manager attempted to contact you on December 18, 2015; however, you elected not to continue the conversation with her and disconnected the call.Prior to your request for a manager call back, I attempted to resolve your concern by adding GAP coverage effective November 13, 2015, the same date the 2015 [redacted] was added to the policy.  Please note that in accordance with your policy provisions, you have coverage that automatically extends to a newly acquired vehicle for up to thirty days.  You are not required to immediately add a vehicle to your policy on the date you acquire it from the dealership.However, since the effective date of the transaction continues to be a concern for you, I further reviewed this matter with my manager.  If you are able to provide the lease agreement dated November 2, 2015 we will amend the policy to change the effective date of the addition of the 2015 [redacted] and GAP coverage to November 2, 2015.  This will require voiding all the transactions that were processed after this date and reprocessing the changes.  If this is the option that you want us to consider, please send this document by facsimile to [redacted], email to [redacted] or mail to [redacted]. Mr. [redacted], if you have any other questions or feedback to share, please also do not hesitate to contact me. I will be happy to assist you.Sincerely,[redacted]                            ...⇄ Associate Customer Care SpecialistCustomer Care Unit Personal Insurance Distribution Operations Phone: [redacted]  Fax: [redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
[The main issue I have with Liberty Mutual is the fact that both my attorney and I, have had issues that could've been resolved a lot quicker if [redacted] would've been available to answer her phone or at least returned our calls in a timely manner. Why am I being punished because there was additional damage done to my vehicle by paying for the remaining time I've had the rental car during the repairs? I've contacted the body shop about sending a supplemental report for the remainder of the damages, and they are reluctant to do so because they believe they will not be paid for repairing of the supplemental damages, because both my attorney and I were unable to get in contact with [redacted] to get approval for the repairs. Then after the repairs were done, I still was unable to return the rental vehicle due to inclement weather (even if I wanted to return the vehicle during that time, Enterprise was closed as well), why should I then be punished by paying for the additional time I had the rental for something I cannot control like mother nature?Everyday that we are unable to get in contact with the adjuster is an additional day I have to pay for (because of bad business between a consumer and Liberty Mutual's ability to process claims), when I have no idea of what the status is of the claim is because we are unable to get in contact with the adjuster.As of 03/25/2015, I was told that the burden of proof lied in my hands, that I needed to prove that my transmission was damaged as a result of the accident.Then on 03/26/2015, I received a call saying that Liberty Mutual will be sending an appraiser out to look at the damages done to my transmission.So as of today, 03/27/15, I've paid for an additional rental car day, and now it's going into the weekend, and now I have to pay for those days as well. I'm having to pay for each and everyday that Liberty Mutual drags their feet to make a decision. Why can't we just get answers in a timely manner, instead of making a consumer pay for rental car fees, for each day they are reluctant to make contact with those involved in a claim? A reasonable amount of time, I would say would be 24-48 hours, not weeks. We've gone above and beyond to receive answers by calling and demanding to speak to supervisors and leaving messages. I've also talked to another adjuster in the office, who literally said, "[redacted] sucks at doing her job.", he then said he would've been handling the claim a whole lot differently.I do not agree with having to pay for the rental car, during the time that Liberty Mutual is dragging their feet to make contact with me/my attorney to let us know what their decision is. Something must be done about Liberty Mutual's policy and making contact in a timely manner with consumers involved in their claims.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. . 
 
Regards,
[redacted]

Dear Mr. [redacted],This is in response to your additional correspondence to the Revdex.com.   I have been asked to further respond.  The credit for completing the Parent-Teen Driving Contract will remain on the policy for an operator who is under the age 20 and has agreed to sign a contract with his/her parent/guardian. However, we are unable to continue the TeenSmart discount if the appropriate requirements have not been met within 60 days.  While we regret the inconvenience and any miscommunication regarding the discounts we offer, please understand that there is no flexibility with the premiums we charge.Mr. [redacted], if you have any other questions or feedback to share, please do not hesitate to contact me. I will be happy to assist you.Sincerely,[redacted]                            ...⇄ Associate Customer Care SpecialistCustomer Care Unit Personal Insurance Distribution Operations Phone: [redacted]  Fax: [redacted]