Advanced Mechanical Corp.

Dear Ms. [redacted],This is in response to your correspondence received through the Revdex.com on October 29, 2016 regarding your auto policy. I appreciate the opportunity to respond. I regret that we are unable to provide the credit you requested for our RightTrack discount. To provide a...

little background, at the policy inception you signed the RightTrack terms and conditions which state:By electing to enroll your vehicle into RightTrack, your policy premium will reflect a RightTrack vehicle enrollment discount. You understand your enrollment discount will continue with the vehicle until either a) replaced by a final discount, if any, at the conclusion of the Review Period, b) you choose to decline these terms and conditions, fail to indicate your consent within 15 days of enrollment or do not install the device within 30 days of receiving it or c) you choose to terminate your enrollment in RightTrack prior to the conclusion of the Review Period.Since you elected not to install the device, the discount was removed as you did not satisfy the terms outlined in the signed agreement.Regarding your reference to the twelve month rate guarantee, this means that your policy rates will not change due to midyear overall rate revisions, accidents or tickets prior to your next renewal. It does not mean that customer initiated policy changes or other factors, such as not complying with eligibility requirements for a previously applied discount, would not result in a change to the policy.Your policy renewed September 2, 2016 with an annual premium of $2,832. We received two Electronic Funds Transfer (EFT) payments and the balance was reduced to $2,356.66.Following your November 7, 2016 conversation with one of our representatives, multiple coverage changes were made at your request. These changes included reducing the liability, uninsured and underinsured limits along with removing the personal injury protection coverage which resulted in a pro-rated premium credit of $575. You annual premium was revised to $2,147 and balance was adjusted to $1,781.66. Please refer to the Declarations issued to you, which is a summary of the policy coverage, for further details regarding the changes. Your EFT payments starting December 1, 2016 will be $180.17 ($1,781.66 divided by ten plus $2 installment fee with the final payment adjusted a few cents). Finally, if you have not already done so, please remember to sign and return the Personal Injury Rejection form and Uninsured/Underinsured Motorists Coverage form no later than November 17, 2016. We hope to prevent any future misunderstandings regarding the policy price and therefore are reminding you that these forms are required. The coverage will revert to the original limits and your premium will increase accordingly if the forms are not returned.Ms. [redacted], thank you for reaching out. While I am unable to provide the outcome you had hoped for, please know that we appreciate having you as a customer and encourage you to contact us if you have any questions regarding your policy. Representatives are available at [redacted] seven days a week. If you have additional questions or concerns please also feel free to contact me directly. I will be more than happy to assist.Thank you for being a Liberty Mutual customer!Sincerely,[redacted]Customer Care SpecialistCustomer Care UnitTele: [redacted]Fax: [redacted]

RE:      Personal
Automobile Policy: [redacted]            Liberty Mutual Fire Insurance
Company / NAIC: [redacted]          Dear Mr. [redacted],This is in
response to...

the November 25, 2015 correspondence to the RevDex.com.   I have been asked to respond to
your concerns.  Please accept my
apology for your service experience.  We expect our representatives to be
courteous and responsive to our customers’ needs.  I regret this is not consistent with what
occurred.  It is disappointing that we
did not follow through for a valued customer and I provided feedback to the
appropriate management to address.  Guaranteed Asset
Protection (GAP) extends the damage to your auto (comprehensive and collision)
to provide coverage for the difference between the outstanding indebtedness on
a loan financing purchase or lease agreement of a new vehicle and the actual
cash value of the vehicle when a total loss occurs.  GAP may only be applied at the time the
vehicle is added to the policy.  In addition, further
eligibility requirements for GAP are listed below: The vehicle is a new vehicle (not previously titled
under the motor vehicle laws of any state). The vehicle is a private passenger vehicle, motor
home, or four wheel vehicle with load capacity of 1500 pounds or less. On November 12,
2015, the 2015 [redacted] was added to this policy effective November 13, 2015.   You contacted our customer service
department again November 25, 2015 to discuss GAP coverage.  However, the 2015 [redacted] was ineligible for
GAP coverage as it was previously added to this policy.  Although we are
unable to apply this coverage, the annual premium would be adjusted from $1,475
to $1,547 if this coverage was chosen when the 2015 [redacted] was added to this
policy (the pro-rata premium may be adjusted depending on the effective date of
the transaction).  However, some leasing
companies automatically include GAP coverage.  Therefore, we recommend discussing this directly with your lessor.  Mr. [redacted], we
regret the inconvenience this matter has caused and appreciate you taking the
time to discuss your concerns. 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 Unit Personal Insurance Distribution Operations Phone: [redacted]  Fax: [redacted]

Dear Ms. [redacted],
This is in response to your additional concerns as stated to the Revdex.com regarding your previous automobile policy. I appreciate the opportunity to respond to you.
You added a 2014 [redacted] to this policy effective February 25, 2014 and GAP coverage was included at this time. GAP coverage extends the damage to your auto (comprehensive and collision) to provide coverage for the difference between the outstanding indebtedness on a loan financing purchase or lease agreement of the new vehicle and the actual cash valued of the vehicle when a total loss occurs.
An updated Declarations page reflecting this change, along with The Auto Loan/Lease Coverage endorsement (PP 03 35 09 93) issued to you on February 24, 2014. The endorsement states that GAP coverage excludes the following:
    • Amount paid under Part D (physical damage),
    • Any overdue loan/lease payments at time of loss,
    • Financial penalties imposed under a lease of excessive use, abnormal wear and tear or high mileage,
    • Security deposit not refunded by lessor,
    • Cost for extended warranties, credit life insurance, health, accident or disability insurance
    • Carry over balance from previous loans or leases
Since the 2014 [redacted] loan balance included an extended warranty, as well as a carryover loan balance, you were advised the balance owed for these balances would not be covered as specifically stated in The Auto Loan/Lease Coverage endorsement issued to you.
You indicated your coverage concern would have been prevented if we had advised you of the GAP coverage exclusions when you added the coverage. However, an explanation of this coverage was provided in writing with your policy documents including a cover letter asking you to review the information and contact us if you have any questions. Our records do not reflect we were contacted with any concerns prior to the date of loss. While we regret that you had an unfavorable claims experience, we are unable to extend coverage beyond what is outlined in your policy provisions.
This policy was cancelled at your request effective January 20, 2015. After cancellation, there is a credit balance of $39.52. A refund will issue to your bank account in approximately 1-2 business days.
Ms. [redacted], we are sorry to have lost you as a customer. Please feel free to contact me with any unresolved 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. Regards,
[redacted]I was notified by [redacted] in reguards of my STD claim but unfortunately my last day of work was 6-24-16 and I'm just now returning to work so from 6-27-16 through 7-26-16 I am still trying to get benefits for and since 8-3-16 I have been hospitalized for the same conditions and they have been informed and given medical records I am due a total of 3 checks since I've been off work however I did speak with Ms [redacted] but unfortunately she was no help to me at all infact she has told me that basically I was a nusent and to stop calling so much and that I could only speak with [redacted] or [redacted] about my case so I would rather not speak with her anymore she never took my situation into consideration   so this situation is still not resolved I was notified by [redacted] in reguards of my STD claim but unfortunately my last day of work was 6-24-16 anI'm just now returning to work so from 6-27-16 through 7-26-16 I am still trying to get benefits for and since 8-3-16 I have been hospitalized for the same conditions and they have been informed and given medical records I am due a total of 3 checks since I've been off work however I did speak with Ms [redacted] but unfortunately she was no help to me at all infact she has told me that basically I was a nusent and to stop calling so much and that I could only speak with [redacted] or [redacted] about my case so I would rather not speak with her anymore she never took my situation into consideration   so this situation is still not resolvedhave been hospitalized for the same conditions and they have been informed and given medical records I am due a total of 3 checks since I was notified by [redacted] in reguards of my STD claim but unfortunately my last day of work was 6-24-16 and I'm just now returning to work so from 6-27-16 through 7-26-16 I am still trying to get benefits for and since 8-3-16 I have been hospitalized for the same conditions and they have been informed and given medical records I am due a total of 3 checks since I've been off work I was never informed to contact Ms [redacted] I have no clue who she is nor do I know how to contact her so this situation is still not resolved

Dear Mr. [redacted],   We are in receipt of the complaint you sent to the Revdex.com. We understand that you are inquiring about communications with Liberty Mutual Fire Insurance Company and the processing of this claim for you and [redacted].   This loss was reported to us on November 9, 2016 by a claims representative at [redacted] Insurance. We began to gather evidence from the incident when we received notification of the claim. We identified early in our investigation that this collision occurred in an uncontrolled intersection on November 7th.   We contacted you, Mr. [redacted], on November 10th to investigate the loss. You advised us at that time that the driver of your vehicle, Ms. [redacted], did not have a phone number for us to contact her as her phone was out of service. We advised you that we needed to speak with her to obtain her statement about what happened in this loss and requested that you have her contact us. You advised that you are the owner of the 1994 [redacted] involved in this loss. You confirmed that the vehicle was incurring storage charges and we advised that we could not agree to pay for storage or rental at that time as liability was unclear. At that time we advised you via phone and mail of your responsibility to mitigate your damage to your vehicle related to this loss.   We ordered the police report the same day in order to gathering evidence for our liability investigation. On November 11th, we confirmed coverage for this loss with our insured and continued to investigate liability. We had not received a return call nor statement from Ms. [redacted] by November 30th, when we receive a letter of legal representation from her attorney. The letter indicates that we are not to make contact directly with Ms. [redacted]. We advised her representative that we needed a statement from her in order to continue to investigate liability in this matter. We were advised on December 2nd, by Ms. [redacted]’s representative, that they would not provide a statement from Ms. [redacted].   Additionally, we were advised by Ms. [redacted]’s attorney that she was the legal owner of the vehicle involved in this loss. We have not received any communication from you nor an attorney representing you, indicating that we should be communicating with someone other than you in regards to your interest in this claim.   We received and reviewed the police report on December 2nd. At this time, we have not been provided with an account of the accident from Ms. [redacted] or her legal representatives. Without that information, the facts of this loss remain unclear. We continue to investigate liability at this time, while we await Ms. [redacted]’s statement.   We inspected the damage to the vehicle on November 16th and agree that the damage sustained in this impact are greater than the actual cash value of this vehicle. Although we are not able to accept liability at this time, we offered to mitigate the storage costs by agreeing to move the vehicle from the tow yard to a storage free facility. January 4th, our salvage vendor was allowed to tow the vehicle from the tow yard. Although we are storing the vehicle, Ms. [redacted] retains ownership.   At this time, our investigation into the facts of this case and determination of liability are ongoing. We cannot pay for the damage to the vehicle nor loss of use at this time as the facts in this matter are still under investigation. If you require any further assistance regarding this claim, do not hesitate to contact us. Sincerely,[redacted]Claims Team Manager, Liberty Mutual Fire Insurance Company[redacted]                            [redact...⇄ /> [redacted]                          [redacted]
[redacted]    [redacted]
[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].
She is incorrect on several statements. One, we never received the original forms she spoke of. I am sure they were lost in their system as that seems to be a common occurrence as noted by the fact that the form sent to us in may, which we immediately returned was noted by them to be received and lost when transferred. This came to light when our mortgage company informed us we were no longer covered by liberty mutual and they were going to cover us under their policy. No letter or emailed was sent regarding our loss of coverage. The loss of the  form(sent to them in May) was admitted to our mortagage company on a three way call between my wife, [redacted] and a representative at liberty mutual. So their statement that we failed to send that form is false. They negligently lost the form during their processing between who we sent the form to and the main office. Next, she left out the part that several of their employees told us we were either covered during the final process or "not" covered, which  left us not knowing whether we were covered or not. They also informed us we have not been covered since May 30, which was told to us by several of their employees with the final one saying since your policy was reinstated, it would have covered you. But in fact, if our house burned down July 5th, we would not have been covered and they want us to believe they would have covered us even though our insurance had lapsed. Now to top everything off, the cancellation letter I sent them to cancel our policy was also lost. Even though they sent am email stating they received it, they had no record of it and it needed to be resent to cancel the policy. This was only determined when we called to find out how the refund was going to be processed. We again had to send the cancellation form and it was sent to a person supposedly higher in the customer care chain of command. It took several times sending it before we received once again, a letter confirming they received it. Now we wait to see if our refund actually gets processed and sent. They also charged us for the time we were not covered.
Regards,
[redacted]

[redacted] received the written report from Mr. [redacted] through e-mail on 12/10/2014 giving his description of what happened in the accident with  our policyholder.  [redacted] reviewed this document along with our insured's statement and the police report prior to completing her...

liability investigation.  Mr. [redacted] is stating he called the office and was advised his information was not in the claim file.  [redacted] had the information in her e-mail and after she finished reviewing the claim and determining liability, she uploaded Mr. [redacted]'s report to the claim on 12/16/2014.  She did have his report on 12/15/2014 when she finalized her decision.  The accident occured in Massachussetts and Mr. [redacted] had a stop sign.  He proceeded from the stop sign and made contact with our policyholder who had the right of way.  Mr. [redacted] was considered more than 50% at fault and we denied his claim.  If you have any further questions, please contact me.  [redacted] Team Manager[redacted] ext. [redacted]

We are responding to [redacted] by letter to provide the additional policy detail that ispertinent to the complaint. Attached is a copy of our letter.Our premium audit staff contacted [redacted] today to assess the actual employeeexposures for the expired policy term. We learned that the...

prior employee estimate informationhad been miscommunicated to us. A revised premium audit has been completed and theoutstanding premium balance has been resolved.Thank you for bringing this matter to our attention.[redacted]Underwriting SpecialistCommercial Lines PlatformLiberty Mutual Insurance[redacted], [redacted], Indiana [redacted]

Attached is our Revdex.com response letter. Let me know if any questions. Thank you.

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].. 
                                 We stopped payment because we believed our insurance policy had ended on March 2nd, as we were told by the Liberty Mutual agent we canceled with over the phone. Our new insurance company took over on March 3rd and charged us accordingly. We discovered Liberty Mutual had also charged us on the 2nd, 2 days after canceling our policy? I do not understand why Liberty Mutual is charging us in arrears? Liberty Mutual gave us the option to choose when to make our payments, so we chose the 30th of every month. We did not realize this would mean we would be paying for our insurance in arrears? I was not aware car insurance payments could be made after the fact. Why was this information not explained to us by the agent we canceled with? The dates given to me by the last agents I spoke with ([redacted]/[redacted]) do not match the dates payments were made on my bank statements. I would appreciate to see the documents that show when our payments were made, that shows we still owe a payment, and match them to our bank statements. I believe some communication from Liberty Mutual with their customers, which we have received none outside of a [redacted] notice in the mail, would have extremely helped resolve this situation sooner! Unfortunately, the only communication we have received was telling us we owe money, without showing how or why we still owe money, or providing proof of why we still owe money, by an extremely rude woman named [redacted]! Please provide a list of payments we made towards our policy that proves we still owe a payment after canceling our policy. If the dates match the dates shown on my bank statements, I will gladly pay what is owed.
Regards,
[redacted]

We received notice of your STD claim on September 16, 2015.You submitted a claim with a disability commencing September 14, 2015.We notified you by our letter dated September 21, 2015 that we had requested medical records from your treating providers to determine your eligibility for STD...

benefits.Your STD claim was approved on October 9, 2015.Upon receipt of your inquiry form the Revdex.com, [redacted], Manager, attempted to reach you by telephone today to discuss your claim and payment amount.Mr. [redacted] may be reached at [redacted] e...

Re: Complaint #: [redacted] [redacted]       
 To Whom It May Concern:   Thank you for sending your inquiry regarding the above customer complaint.   Our records show the automobile policy was issued with...

two vehicles effective September 21, 2012.  On March 5, 2013, the insured requested the second vehicle be deleted and we processed the change as requested.  Upon review, we agree to amend the ** and [redacted] coverages to non-stacked limits per the 2013 endorsement and offer a refund. The refund will be mailed to the insured shortly.  If the customer needs any further information, please contact our customer service team at [redacted] Thank you for your time in this matter. Sincerely, [redacted] Senior Compliance Analyst

Dear Revdex.com,  This is in response to your correspondence dated July 8, 2015, which was received by our Presidential Service Team that day.  According to the explanation included in the written complaint, [redacted] is upset that after completing a Liberty Mutual...

quote, an [redacted] gift code was not received as promised from the promotion.  First and foremost, we would like to apologize for any frustrations that [redacted] may have experienced during this time period. The day that this complaint was received we contacted [redacted] and expressed our apologies in the delay. An [redacted] gift code was sent directly to [redacted].Kind regards,[redacted] BlockMarketing Specialist [redacted]

I agree with their statement they repeated what I have said and gone through. What they have not touched on is the fact that they only said I needed to send in my diploma to make sure the discounts are activated. The sales rep knew I would only be purchasing renters insurance but unknown to me he still applied discounts that I would not be able to fulfill.
Regards,
[redacted]

Response to complaint.

First, your expectation and what actually occurred are two different things. The agent that handled my case did not communicate any about this "[redacted]" program and that participation or lack of participation would affect the price they offered to attract my business. Improving your communication in the future does little to repair our consumer relation. Secondly, your notifications are vague and do not clearly address the reality of your policy requirements. The only time anything was mentioned about the "[redacted]" program was in a letter issued to me after I purchased your insurance and a week before the actual trackers were emailed. And even then the notification that my premium would go up by not participating was not clearly stated until the tracker was received. Third, the "[redacted]" Terms and Conditions form is under Section D and make no actual reference to the "[redacted]" program or how its enacted. I have no concerns with the parameters, I strictly find them invasive and do not wish to subject myself to that. My issues is with Liberty Mutual shady business tactics, vague contract wording and presumption that I should pay more money as a result of your business mistakes. Your lack of acknowledgment that your practices are wrong and your continued ignorance that I should accept this price change or enroll in this "[redacted]" program are quite frankly tasteless and disrespectful. It seem the Revdex.com will not do anything as nor will Liberty Mutual. For the time beginning I am aware that my premium will go up $80 and I guarantee that next year I will change home and auto insurance providers and will never do business with Liberty Mutual. That means nothing to a mutli-billion dollar company like yourself but it is the principal in business which you and your company seem to lack.

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]. . 
I feel that this does not resolve my problem. I cancelled this policy with Liberty Mutual to end on 04/28/16 because I had another policy on the very same vehicle though Liberty Mutual under my husband's name effective 04/29/16 for a better price through an employer discount. There is absolutely no reason for me to double insure the same vehicle. They are charging me for an extra month. The bounced payment was not a debt due to Liberty Mutual in the first place. I contacted them and they agreed and issued me 2 return check fees for the fees I incurred after the 2 attempts to collect this "extra" charge. I do not need double coverage on this vehicle. My husband's plan picked up where mine left off # [redacted]. As you will see upon review, this is accurate. We renewed with a representative named [redacted] and he assured us this would not happened when we called to confirm the cancellation on 04/28/16 and yet it did.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

RE: Personal Automobile Policy: AOS-248-132403-71
      LM-General Insurance Corporation/ NAIC: 0111-36447
Dear Mrs. [redacted],
This is in response to your June 30, 2015 correspondence to the Revdex.com regarding your automobile policy. I...

regret any miscommunication that may have occurred regarding the premium impact due to the address changes completed and appreciate the opportunity to respond to your concerns.
This policy initiated effective May 1, 2015 with an annual premium of $704. A $704 down payment was remitted at the policy inception. You selected pay-in-full Electronic Funds Transfer (EFT) as your preferred payment method going forward. The address as shown on the enclosed application signed by Mr. [redacted] April 19, 2015 was 4256 County W, Rhinelander, [redacted] 54501-2157. In addition, a Declarations page issued to you April 14, 2015.
You contacted our customer service department April 15, 2015 and $10,000 medical payment coverage was added to this policy effective May 1, 2015 at your request. The annual premium was adjusted from $704 to $718. A Declarations page issued to you April 15, 2015 confirming the additional coverage. The policy balance was adjusted to $14 as a result of this change. A withdrawal notification was issued to you April 29, 2015 advising a $14 withdrawal from your account would take place May 14, 2015 in accordance with the enclosed EFT agreement signed by Mr. [redacted]. The $14 payment was credited to the policy May 14, 2015 lowering the policy balance to $0.
You contacted our sales office June 4, 2015 and the address on this policy was changed to [redacted] at your request. The annual premium was adjusted from $718 to $813. An $87 pro-rata debit was applied increasing the policy balance to $87. A Declarations page was issued to you June 4, 2015 confirming the adjustment.
Since we previously notified you on April 29, 2015 that $14 would be deducted from your bank account, a $14 EFT payment was processed and credited to the policy May 14, 2015 lowering the policy balance to $73.
However, on July 1, 2015, the address on this policy was changed to [redacted] effective July 2, 2015 at your request. The annual premium was reduced from $813 to $740. A Declarations page issued to you July 1, 2015 confirming the adjustment. A $61 pro-rata credit was applied to the policy lowering the policy balance to $12. A withdrawal notification issued to you June 29, 2015 advising $73 would be deducted from your bank account on July 14, 2015; however, since the policy balance had since adjusted to $12, the deduction amount in turn would have been reduced to $12.
In your correspondence to the Revdex.com, you requested removal from the EFT billing method. Therefore, I removed this policy from EFT billing and placed this policy on pay-in-full direct billing. A $12 bill will be issued to you (by mail) July 14, 2015 due August 3, 2015 reflecting the outstanding policy balance due.
Mrs. [redacted], you are a valued customer and we hope to continue to provide for your insurance needs. A billing history is also enclosed for your review. If you have further questions or concerns, please contact me directly and I will be happy to assist you.
Sincerely,
[redacted]
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Phone: [redacted] Fax: [redacted]
Enclosures

Dear Mr. [redacted],
This is in response to your June 1, 2015 correspondence to the Revdex.com regarding your policies. I appreciate the opportunity to respond to your concerns.
Our goal is to provide exceptional service and keep our commitments. I apologize that we did not follow...

through in this instance and there was a delay in the cancellation of your policies. I have provided feedback concerning this matter to the appropriate management to review and address.
[redacted]
This policy initiated effective June 4, 2014 with an annual premium of $1,360.93. A $113.41 down payment was remitted at the policy inception adjusting the policy balance to $1,247.52. You selected monthly Electronic Funds Transfer (EFT) as your preferred payment method for the remainder of the balance due.
Three $113.41 EFT payments were received (August-October) reducing the policy balance to $907.29.
You successfully completed the RightTrack program which offers an initial 5% enrollment discount and an additional discount for safe drivers, if applicable, after installation of a device and 90 day review is completed. The final discount was applied to this policy effective September 17, 2014 lowering the annual premium from $1,360.93 to $1,289.74. Seven $107.06 EFT payments were processed (November- May) and $50.85 pro-rata credit applied for the RightTrack discount and the policy balance was lowered to $107.02.
Although we had a prior record of your request to cancel this policy, I regret we did not process the cancellation until May 14, 2015. This policy was cancelled effective May 4, 2015 at your request as you indicated alternate coverage was obtained this date.
However, with respect to your request for an additional refund, there is no additional refund due. The majority of the EFT payment withdrawn in May reflected premium that was owed.

After a cancellation credit of $109.85 was applied to the policy balance for the unused portion of the policy term there was a $2.83 credit balance ($109.85 minus $107.02). A $2.83 refund issued to your bank account May 14, 2015. There is no further refund due.
[redacted] This policy also initiated effective June 4, 2014. The annual premium was $227.83 and an $18.99 down payment was remitted at the policy inception. Monthly EFT was then setup at your request.
Ten $18.99 EFT payments were received (August- May) reducing the policy balance to $18.94. This policy was also cancelled effective May 4, 2015 at your request.
A $19.33 cancellation credit was applied for the unused portion of the policy term creating a credit balance of $.39. No refund was issued due to the minimal amount.
These polices were in effect for eleven months and as shown on the enclosed billing histories, eleven payments were remitted. The premium charged appropriately reflects the premium due for coverage provided through the May 4, 2015 cancellation date.
Mr. [redacted], we regret your decision to cancel these policies and are sorry to have lost you as a customer. If you have further questions or concerns, please contact me directly and I will be happy to assist you.
Sincerely,
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Enclosures