Advanced Mechanical Corp.

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 # ***Irejected this response becausei feel that liberty mutual discriminated against meWhatliberty mutual did is against business ethicLiberty Mutual misledand misinformed me throughout the claimIn September when iwent to my primary physician, Dr.*** and she diagnosed mewith *** *** syndromeShe gave me medication and suggestedphysical therapyMy condition causes severe back pain ,numbness of the groin and inner thighs, bladder and boweldysfunction, and sciatica type painSevere back pain and saddleanesthesia are considered red flags and require urgent treatmentAsI reported to Liberty Mutual, I had severe back pain and couldn'tsit in my seat at workSo I took off work on November 1st and fileda claim with Liberty Mutual and advised them to follow up with mydoctor and told them everything about my situationThey nevercontacted my doctor and instead called my therapist and got theinfo from him and made a decision based on thatThen they sentme a letter saying my claim was denied because I did not have aserious condition even though my doctor diagnosed me with *** syndrome and said I did not have enough documents to prove myconditionI have X rays and MRI to prove that I have a seriousconditionI went to a neurologist on February 12th and he tookme off work again for weeksI called Liberty Mutual and asked themwhat I should do and they said I should open a new claimI talked to*** and he opened my new claim and I gave him my neurologistinfo and asked him to follow up with himThen liberty mutual calledagain and said I cant open a new claim and have to appealTheynever contacted my neurologistThey left out all the major andimportant info and made the decision without reviewing mycomplete medical recordAll this time they misled me and gave meinfoBecause of Liberty Mutual I have been diagnosed withdepression and am taking the anti depressant Sertraline. Iam sending you guys the proof so you can see for yourselfi do nottrust liberty mutualif I hadn't contacted my doctor I wouldnot have even found out about what Liberty Mutual did. How canliberty mutual deny my claim and say I do not have a severe conditionwhen I do
Regards,
*** ***

Please be advised that I have attached my response to this comlaint and any applicable documents as well. If you have any questions please reach out to me.Sincerely,*** ***Claims Team ManagerLiberty Mutual Insurance*** x-***

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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** *** *** I understand your response but I have gone through several frustrating situations while trying to get my car fixed for a claim and Liberty Mutual even issuing a check to the Michael person this should not have happenI do not want other people's names on my property unauthorized

Dear Mr***,
This is in response to your May 13, correspondence to the Revdex.com regarding your homeowner policyI appreciate the opportunity to respond to your concerns
This policy initiated effective September 7, 2011, subsequently renewing each year, most
recently September 7,
Renewal documents issued to you August 4, for the September 7, renewalThe renewal annual premium was $1,Since you elected to pay your annual premium in two installments, a $bill issued to you August 7, due August 27, A $billing fee is applicable with each bill issued with the exception of the initial bill
You contacted our customer service department August 15, and amended your homeowner policy effective the September 7, renewal at your requestWe processed a transaction to lower the dwelling coverage, remove Home Protector Plus and discontinue extending liability to an additional location you previously owned in South Carolina at your requestThe annual premium was adjusted from $1,to $
We also extended liability from your homeowner policy to your landlord policy for your property located at *** *** effective the September 7, renewalThe annual premium was adjusted from $to $
Credits totaling $were carried over from your prior policy terms to your renewal policy lowering your policy balance to $
Consecutive bills for $($plus the $billing fee) issued to you February 9, and March 9, remained unpaidTherefore, a cancellation notice issued to you April 1, advising a minimum payment of $was required prior to April 16, to prevent cancellation of this policyNo payment was remitted and this policy therefore cancelled effective April 16, for non-payment of premium
Ms*** contacted our customer service department April 18, requesting reinstatement of this policyHowever, we advised this policy cancelled effective April 16, for non-payment of premium and we are unable to reinstate since the home was no longer occupied
After cancellation, a $bill issued to you April 20, due May 10, reflecting premium due for coverage provided through the April 16, cancellation dateThe $balance remains due
In your correspondence to the Revdex.com, you stated that you previously requested to discontinue this policyHowever, our records do not reflect we received a request from you to cancel this policy prior to your April 27, telephone call which was after the April 16, cancellation date
You stated that this policy should have previously been cancelled due to vacancy of the home; however, a policy is not immediately cancelled upon notification of vacancy unless requested by the insuredIf a home no longer meets our underwriting criteria for continuation of insurance, written notification of any cancellation would be provided with ample notice given so you may secure alternate coverageIn addition, your statement is not consistent with our policy records which reflect you requested changes to your policy and later when notified of the non-payment cancellation requested reinstatement
The $balance appropriately reflects premium due for coverage provided through the April 16, cancellation date
Mr***, a billing history is enclosed for your reviewIf you have further questions or concerns, please contact me directly and I will be happy to assist you
Sincerely,
*** *** Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Phone: ###-###-#### Fax: ###-###-####
Enclosure

Dear Mr***,
This is in response to your additional concerns as stated to the Revdex.com regarding your previous automobile policyI appreciate the opportunity to further respond
While we regret any miscommunication that may have occurred, your March 6, payment of $did not reflect the premium owed through the cancellation dateThe final balance due of $appropriately reflected the residual premium due
Thank you for your payment of $received on January 2, Your balance has been adjusted to zero and there was no adverse credit reporting as a result of the prior collection activity
Mr***, please feel free to contact me with any unresolved questions or concernsI will be happy to assist you
Sincerely,
*** *** Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: *** | Fax: ***

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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.?
I'll keep the given contact information on file in case any future issues pertaining to this complaint arise
Regards,
*** ***

Please see enclosed letter to the Revdex.com. 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 # ***Please add your rejection comments below.
There's no excuse for your company to be in businessDo not attempt to contact me
Regards,
*** ***

Dear Ms***,
This is in response to your February 26, correspondence to the Revdex.com regarding the automobile quote you receivedI appreciate the opportunity to respond to your concerns
Our records reflect an automobile quote was initiated online on February 26,
Our online quoting system allows users to enter their personal information, vehicle information, and select their own coverage limits without the involvement of any of our sales representatives
You expressed concern regarding the premium difference with the quote you received with Liberty Mutual Insurance as compared to your prior carrier’s premiumThere are many factors that are considered when determining the premium for a policy such as garaging location of your vehicle, credit history, and your vehicle’s characteristicsI am unable to specifically address why another insurer’s rates are lower than those of Liberty MutualEach insurer rates policies according to their own rating practices filed with the stateOur rates are based on our collective loss experience in the state of MichiganSince each company's experience will differ, even within the same geographic area, the rates will therefore vary
Ms***, we regret the quote you received was unfavorableIf you have further questions or concerns, please contact me directlyI will be happy to assist you
Sincerely,
*** *** Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: ###-###-#### | Fax: ###-###-####

Dear Ms***,
This is in response to your December 26, correspondence to the Revdex.com regarding the quote you receivedPlease accept my apology for the miscommunication that occurred regarding your intent to initiate an automobile policy quoteWe value your personal privacy
and appreciate your willingness to share your experience as it is helpful in identifying areas where we are not consistently meeting our service standards or our customers' expectationsI regret that our previous response did not adequately address your concerns
You currently have an active tenant policy with us and our sales office initiated a quote on December 17, to offer you a proposal for an automobile policyBundling automobile and homeowner, condominium or tenant policies may result in a favorable premiumAs an existing customer, your contact information was already on file and the quote provided was preliminary, subject to your acceptance and confirmation of any additional details
However, Liberty Mutual Insurance provides training to its sales personnel to provide a full insurance quote only if the request is initiated by the customer and consent is receivedInitiating this quote prior to contacting you is not consistent with our implemented procedureI have notified the appropriate management and taken additional measures to prevent a recurrence of your concern
You also expressed concern regarding the premium and accuracy of the quote provided to youEach insurer rates policies according to their own rating practices, partially based on their collective loss experience and expensesPremiums may therefore differ with each carrier, and as indicated, this quote was preliminary and subject to change based on any additional information provided
Ms***, you are a valued customer and we regret your experience was unfavorablePlease feel free to contact me directly if you have any additional questions or concernsI will be happy to assist you
Sincerely,
*** ***
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: *** | Fax: ***

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
#***Please add your rejection comments below.
The water damage is due to a hole, created by a squirrelWe did try to repair it ourselvesObviously id didn't workI believe that this is a valid claim
Regards,
*** ***

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 # ***Please add your rejection comments below. Please be aware that we were told about wks ago that one of your local agents would call to schedule an appointment with my daughter and I to depose usWe are still waiting
Regards,
*** ***

I am writing in response to a complaint filed by *** *** with the Revdex.comon March 2, regarding the life insurance policy listed above. In his letter, he expresses his concerns thathis policy loan has not been properly accounted and that he has not received a
satisfactory answer from our service center. The policy at issue is a joint extra value whole life insurance policy owned by *** ***and insuring both he and his spouse, *** ***. The initial death benefit was $30,and thepolicy premium is paid by monthly electronic funds transfer in the amount of$47.37. The policy was issued effectiveApril 24, 2002. The policy is currently active. Our records reflect that Mr*** took a loan against the policy value on June 10, in the amount of $3,105.76. There were no outstanding loans prior to his taking this most recent loan. One of our service center managershas attempted to explain the loan balance to Mr*** by phone and email. Shortly after Mr*** took the loan from the policy, he instructed his bank to wire $to Liberty Life each month as loan repayment, which began in August 2014. Wires received at Liberty Life are automatically applied to the life insurance policy first asthe premium payment due and any remaining is applied as loan repayment, if a loan is outstanding In Mr***’s case,his policy was also setup for automatic electronic funds transfer (EFT) to pay his planned monthly premium payments ($47.37). Because his policy was paid ahead by one month and these $wire payments were received just prior to the planned EFT, our system did not draft the planned premium payment from his bank account; instead it pushed the EFT date another month ahead. Apparently, this is where the confusion lies. Mr*** believes that he has wired the $each month in addition to the EFTof $47.37. Our service center manager has asked him to review his bank records and to contact us if his records differ from ours. As a concession to Mr***, Liberty Life changed the last two wires to reflect $loan repayments instead of $premium payments and $loan repayments. In addition, we waived the loan interest due ($135.65) since the date of the loan and credited that tohis loan balance. The current loan interest rate is 4.76%.It is Liberty Life’s position that the loan was given in accordance with Section 27-15-of the *** Insurance Code and that his payments wereproperly accounted. For your reference, I have enclosed a loan history as well as a payment history beginning with the date of the loan. If you have any questions or concerns, please contact me at the address listed below

Dear Mr***,This is in response to your April 20, correspondence to the Revdex.com regarding your automobile policy I appreciate the opportunity to respond to your concerns This policy initiated effective September 1, A $down payment was
remitted September 3, You selected monthly Electronic Funds Transfer (EFT) as your preferred payment method However, your November 1, and December 4, EFT payments were returned unpaid Due to the dishonored payments, a cancellation notice issued to you December 17, advising a $payment was required prior to January 1, to prevent cancellation of this policy No payment was remitted and this policy cancelled effective January 1, for non-payment of premium After cancellation, a $bill issued to you January 7, due January 27, reflecting premium due for coverage provided through the January 1, cancellation date An email reminder issued to you January 28, reminding you to remit payment to avoid collection activity No payment was received and the $balance was referred to collections February 17, Liberty Mutual Insurance uses a third party vendor, Credit Collection Services (C.C.S.), to secure past due premium owed for cancelled policies Policyholders are referred to C.C.Swhen their policy has cancelled and the balance is not paid within days after the final bill due date The $balance remains due.Our records reflect you spoke with our customer service department April 20, and indicated alternate coverage was secured prior to the January 1, cancellation date If you fax a copy of your Declarations page to ###-###-#### confirming the date you obtained alternate coverage, I will amend the cancellation date and the balance due will be adjusted accordingly Mr***, a billing history is enclosed for your review If you have further questions or concerns, please contact me directly and I will be happy to assist you.Sincerely,*** ***Customer Care SpecialistCustomer Care UnitPersonal Insurance Distribution OperationsPhone: ###-###-#### Fax: ###-###-####Enclosure

Dear Mr***,
This is in response to your February 24, correspondence to the Revdex.com regarding your previous automobile policiesI appreciate the opportunity to respond to your concernsPlease accept my apology for any miscommunication that may have occurred which resulted
in the delay in processing your cancellation requestI regret the inconvenience this matter has caused
On February 11, 2015, we received a signed cancellation request for policy ***This policy was cancelled at your request effective the February 13, renewal dateThere was no balance owed and no refund due for this policy as no payment was remitted for the renewal term
Our records do not indicate we received a signed cancellation request for policy, ***This policy remained activeSince you previously selected Electronic Funds Transfer (EFT) as your preferred billing method, $was withdrawn from your bank account on February 18,
On February 18, you contacted our sales office to advise this policy should have also been cancelled effective the February 13, renewalThis policy was cancelled at your requestA $refund issued to your bank account on February 18,
In response to the non-sufficient funds fee you incurred, our records reflect we issued you a $reimbursement check on February 24, for this fee
Mr***, we are sorry to have lost you as a customerPlease feel free to contact me directly with any unresolved questions or concernsI will be happy to assist you
Sincerely,
*** *** Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: ###-###-#### | Fax: ###-###-####

While we understand that the consumer disagrees with our position on this matter, they have not provided any additional/new information in their rebuttal. At this time our position remains the same and we would ask that you close this file.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 # ***Please add your rejection comments below. this is not acceptableFirst, they say that they have contacted the Texas Department of Insurance and they have sided with themI do not believe this as I have contacted the Texas Department of Insurance on separate occasions and talked to different peopleAll three have said that Liberty Mutual is wrong and they own me loss of use reimbursement for the entire time my vehicle is disabled from the accidentLiberty mutual keeps using the reasonable expense reimbursement clause to say they don't have to pay for the entire delayWhat I have been told by all three people at TDI is they interpret the reasonable expense to mean I can't rent a $100/day *** *** when a $20/day *** will doIt has no bearing on the length of time just the daily rateThe fact is my vehicle is still disabled due to the fault of their insuredIt is not relevant who is at fault for the part delay, it's a matter of who is at fault for the part being neededI have spoken to USAA (my insurance company) and *** *** (friends insurance company) and both have said that they reimburse reasonable daily rental fees during THE ENTIRE DURATION of repairs so long as they delays are not the fault of the vehicle owner This is reasonableI should be responsible to pay for any delays I causeOther than that the at fault party should pay for all repair related cost until the vehicle is returned is "like condition" as is required by state lawLiberty Mutual is forcing me to sue their insured for repairs to cover a liability they already purchased an insurance policy to cover.
Regards,
*** ***

Good afternoon,Please see attached document from the Team Manager, *** ***If you have any further questions please email the Team Manager.Thank you

Ms*** added a *** *** to her Liberty Mutual auto policy 2/24/A copy of the policy changes were mailed to Ms*** 2/25/This included a copy of the policy coverages and a copy of the Auto Loan/Lease Coverage EndorsementThe Endorsement states:In the event of a covered
total loss to a "your covered auto" shown in the Schedule or in the Declarations for which a specific premium charge ndicates that Auto Loan/Lease Coverage applies, we will pay for any unpaid amount due on the lease or loan for "your covered auto" less: The amount paid under Part D of the policy; and Any: aOverdue lease/loan payments at the time of the loss; bFinancial penalties imposed under a lease for excessive use, abwear and tear or high mileage; cSecurity deposits not refunded by a lessor; dCosts for extended warranties, Credit Life insurance, Health, Accident or Disability insurance purchased with the loan or lease; and eCarry-over balances from previous loans or leasesMs*** reported an auto accident to Liberty Mutual on 12/19/involving her *** ***The damages to the vehicle resulted in the vehicle being deemed not repairableAs the vehicle was deemed a total loss, LibertyMutual confirmed there was a loan on the vehicle and further confirmed that the loan balance also included an extended warranty purchased on the vehicle as well as a carryover loan balanceLiberty Mutual advised Ms*** that theAuto Loan/Lease Coverage (GAP) did not cover the balance owed on the extended warranty or the carry over loan balance as specifically stated in the coverage endorsement

Dear Ms***,This is in response to your April 3, correspondence to the Revdex.com regarding your automobile policy Please accept my apology for the inadvertent change implemented to your policy I regret the inconvenience this matter has caused.When we updated your
residential address effective October 11, we inadvertently updated the operator and named insured at the same time However, we have amended your policy to reflect the correct named insured and operator. While we appreciate your concern and regret the error, there has been no lapse in coverage Coverage has been afforded in accordance with your policy contract and payment issued for your losses under this policy There is subsequently no refund due Ms***, you are a valued customer and we thank you for allowing us to provide for your insurance needs since If you have further questions or concerns, please contact me directly and I will be happy to assist you