Alliance United Insurance

Review: This company "automatically renewed" an auto insurance policy without my foreknowledge or consent. They did not send me new policy cards either. I had no idea I was still being charged until I noticed an erroneous charge on my account. When I contacted them to see what was going on, they stated it was their policy to automatically renew when you were getting direct debits from your account. (which I had no idea of). They also stated that a notice letter was mailed to me before it was renewed, but they could not explain why I didn't receive that letter or the new insurance cards. They tried to blame the insurance broker, but I spoke with her to enquire about a renewal and she stated that the policy ended in February. Now it's May and I can't get my money back and no one knows where the renewal letter is or where my new insurance cards are.I am disgusted that a business would carry themsves in such a deceitful manner.Desired Settlement: Refund from the date the first policy expired 2/2/15

Business

Response:

When you completed the new business auto application with your broker you signed an authorization form to pay by Electronic Funds Transfer. This form states the following:I understand that this authorization allows Alliance United to adjust the monthly deductions to reflect any changes and policy renewals, and will automatically continue to debit all amounts due, as they become due, with no additional notice required.Please advise if you would like a copy of this form mailed to you.

Business

Response:

If you elect to pay your premium by electronic funds transfer, the renewal policy will be renewed automatically and payment deducted from the account you provided. Again, this is stated on the EFT authorization form you signed with your broker.If your policy is set up as direct bill where we mail a billing notice to you and a payment is not received, the policy will cancel or expire due to non-payment of premium.The renewal offer was mailed to the address we had on record at the time of the mailing. Per your conversation with Customer Service on May 5, 2015 you moved in November and again in December and did not notify us of your new address. This explains why you did not receive the renewal policy and ID cards.Customer Service explained the only time we will backdate a cancellation is due to duplicate coverage. We would require a copy of the new business declaration from the other company showing the effective date of coverage and the coverage provided. We were informed by you that no other coverage existed.We received your request to cancel this policy on May 5, 2015 along with your new address. The policy was cancelled as requested the same day.Sincerely,Alliance United Insurance Services

Consumer

Response:

Review: 10610346

I am rejecting this response because:

HAS BEEN OVER ONE MONTH SINCE ACCIDENT WE GET THE RUN AROUND HAVE BEEN ASSIGNED 3 DIFFERENT CLAIM ADJUSTERS ON HOLD FOR 30 PLUS MINUTES HARDLY GET CALL BACKS WHEN WE DO GET AHOLD OF SOMEONE WE ARE TOLD THEY ARE JUST FINISHING PAPER WORK, THE COLLISION CENTER HAS CALLED US AND ASKED US WHAT IS GOING ON BECAUSE THEY CANT GET ANYTHING DONE EITHER WITH THIS COMPANY, I WAS TOLD FROM THE COLLISION CENTER THAT THE CAR WAS A TOTAL LOSS BEFORE THE INSURNANCE COMPANY EVEN TOLD US IT ALSO TOOK THEM 3 WEEKS TO REIMBURSE US FOR TOWING THAT WE HAD TO PAY FOR BECAUSE THE DAY OF THE ACCIDENT WE WERE TOLD TOWING WAS NOT INCLUDED AND WE HAD TO PAY TO HAVE THE CAR TOWED FROM THE ACCIDENT. OVER ONE MONTH AN STILL WAITING!!!! RIDICULOUS WE HAVE NEVER HAD TO WAIT LONGER THEN A FEW WEEKS TO GET OUR CHECK IN HAND FROM ANY OTHER TOTAL LOSS, AND COMMUNICATION WAS GREAT THROUGH THE OTHER COMPANY WE HAVE HADq STAY AWAY FROM THESE PEOPLE

I was hit by an Alliance insured driver 8/27/2014 two weeks ago. I filed a claim and was assigned an adjuster. I have never received a call back after leaving numerous messages. I have only been hearing voice mail message to leave contact information but never got a call back. This company has the worst customer service ever. The persons I have been able to speak seem to have a oh well attitude. I hope this company gets investigated and rated even lower so no one is buying their service.

Review: horrible customer service left multiple messages which no one ever returned my call to and when I did talk to the person in charge of my claim it was the worst customer service I have ever had. They expect me to take care of everything when their client hit my car. This insurance is just horrible.Desired Settlement: I want the company to stop giving me the run around and fix my car that is why their client is paying insurance for?

Business

Response:

Our records indicate we spoke directly to you on June 5, 2014 and advised you we have made payment for your estimated damages and loss of use.

Review: My car was backed into while stopped in traffic. Fortunately, a nice woman asked me to take her info down and said she would be my witness. [redacted], the Alliance rep claimed that my witness' phone number was disconnected. My rep called the witness again to verify the phone number is good. I also called the witness and spoke to her, the phone is working. Alliance is now saying the phone works but they still can't reach my witness.My insurance guy emailed [redacted] a recording of both conversations he had with the witness. Now, she is saying that she cannot open the audio file to listen to the statement. Big surprise.Also, the driver had claimed we were on a hill facing downward and I rear-ended him. The night I filed the claim I told the rep where the accident took place. It's is completely 100% flat. You can even see that on google maps if they bothered to look.Desired Settlement: Alliance should pay to have my car repaired.

Consumer

Response:

Review: 9955122

I am rejecting this response because: My insurance has been able to reach my witness and has offered to send audio of her statement to [redacted] at Alliance United. My insurance company resent the audio file on (3/10/2014) [redacted] stated she cannot open the file. My insurance company is working with their IT department to convert the audio into another format for [redacted].

Review: We were rear-ended by a client of Alliance United and after the initial contact, we have not heard a thing from their representative C[redacted]. She contacted us to set up a time for the estimate on our car and since then she has never returned a phone call and its been over 3 weeks. We have attempted to contacted her many times but no response. C[redacted] told us that she was waiting to hear from her insured party to make a final liability claim. We have been in contact with her insured and they have informed us that they have been trying to contact her to put this matter to rest also.Desired Settlement: We just want Alliance United to finish the job and to re-imburse us for the rental car that we have had to get since our car has been out of service since the accident over 3 weeks ago.

Business

Response:

As of today's date we have not been able to reach the operator of our insured's vehicle to confirm the facts of the loss. We cannot consider your damages until that takes place. If we cannot reach the driver we may not be able to conclude this matter.

Consumer

Response:

Review: 10884616

I am rejecting this response because:

Review: Alliance united insurance company doesn't know how to return phone calls, or at least their claim representatives don't, like Rachael Senen at ext 3716. My husband and I have both left numerous messages and even when her voice mail says she will call back with in 24 hrs we still have yet to hear from her. We have spoken to a supervisor who says it will just take time! Time? It's been a month and a half. I am so upset, we take very good care of our vehicles for their negligent driver to run red lights and not have the proper insurance to car this. All we get is letters stating that they are verifying coverage, how long does it take to do that? I work for a insurance company and we have computers that we do that on and most of the claims are handled in no more than 3 weeks maximum. This is ridiculous.Desired Settlement: My vehicle fixed

Business

Response:

We are in receipt of the Revdex.com complaint filed by [redacted] on July 22, 2013, with regard to the above referenced accident of June 15, 2013. Below is a summary of our claim handling.

A claim was reported to <st1:place w:st="on"><st1:City w:st="on">Alliance United on June 15, 2013, with regard to an accident which occurred on June 15, 2013. It was reported that our insured ran a red light at the intersection of Seneca and Amargosa in <st1:place w:st="on"><st1:City w:st="on">Victorville, <st1:State w:st="on">CA.

The adjuster assigned to the claim was R[redacted] who immediately realized that a coverage issue existed based on the information reported.

On June 17, 2013, we were able to speak to the driver of our insured’s vehicle, Refugio Rodriguez [redacted], to secure the facts of the accident and to discuss the coverage issue. During this conversation, Mr. [redacted] disputed the facts of loss as reported and does not believe he is responsible for the accident. Mr. [redacted] stated that he entered the intersection on a green light which was changing to yellow and did not enter the intersection on a red light.

We then spoke with E[redacted] on June 17, 2013, and was able to secure his statement. Mr. M[redacted] explained that he was traveling west on Seneca, in lane #2 of 2, waiting at a red light to cross Amargosa and that a vehicle being operated by <st1:place w:st="on"><st1:PlaceName w:st="on">Lois <st1:PlaceName w:st="on">Townsend was traveling westbound on Seneca. He also stated that Mr. C[redacted] was traveling north on Amargosa. Mr. M[redacted] advised in this statement that Mr. [redacted] stated at the scene of the accident that he ran a red light and that his brakes went out.

The adjuster then spoke with <st1:place w:st="on"><st1:PlaceName w:st="on">Lois <st1:PlaceName w:st="on">Townsend, who explained that she was traveling east on Seneca and our Mr. [redacted] was traveling north on Amargosa. Ms. Townsend then explained that her light changed to green at the same time the left turn arrow changed to green and that she entered the intersection when Mr. [redacted] entered the intersection against a red light and struck her vehicle.

We then spoke with our named insured, Jose Gonzalez Rodriguez, on July 1 2013, to take his statement as to the coverage issue that was pending. We were able to afford coverage for our insured and insured driver on July 9, 2013.

We then spoke with Mr. [redacted] on July 25, 2013 to verify additional information as to the facts of the accident. Mr. [redacted] stated that he did not tell anyone at the scene of the accident that he ran a red light.

We also spoke with Mr. M[redacted] on July 26, 2013 to verify additional facts of the accident.

We have not finalized our liability decision at this time, due to the dispute that exists amongst the drivers, and have since retained the services of an independent investigator to assist in traveling to the scene of the accident to confirm the timing of the traffic signals.

In summary, we have a dispute as to liability which will require additional time in which to investigate. We should be able to resolve liability in the near future and will then notify all interested parties.

Please contact the adjuster, Rachael Senen at ###-###-#### and at your earliest convenience if you would like to discuss this matter <st1:City w:st="on"><st1:place w:st="on">further.

Sincerely,

Claims Manager

###-###-#### Ext: 3667

Review: My wife's brand new car was hit while parked in her parking lot at the hospital. The person that hit it left their number and we contacted them. They know they are 100% at fault and wanted to go through their insurance to get it fixed. They have United Alliance insurance. We got the quote and need to get the car fixed. We have now been trying to get a hold a claims person to get our car fixed. We opened a claim over a week ago through the claims operator at Alliance. We were told that a claims person Veronica would contact us Monday. Tuesday we still hadn't heard from V[redacted]. We called again. No answer. This has gone on all week. We have been passed to different claims agents and told they will call us within the hour. No one calls us back. This is completely unacceptable. Our car needs to get fixed and this appears to be an extremely sketchy insurance company!Desired Settlement: I want our claims adjuster to call us back and pay for our car to get fixed as legitimate insurance company does.

Business

Response:

Kindly provide your claim number so we may respond accordingly.

Review: I was involved in a car accident on 2-7-15. The people who hit my car from behind were insured by Alliance United Insurance Co.I'm writing this complaint because I believe their claim adjuster is operating in bad faith because I am a senior citizen (79 years old). I informed P[redacted], (Alliance claim adjuster) of fact I have full medical cover through State Farm and that was the insurance I would use.On 6-6-15, I received this letter from Optum. Please tell me if I'm over reacting or this is part of the process.Desired Settlement: Settle my body injury case and consider my pain and suffering in a fair and just way.

Business

Response:

Dear Ms B[redacted] :We are unable to bring your claim to conclusion at the present time. Under the California Fair Claims Settlement Practices Regulations (C.C.R. 2695.7(c)1), weare notifying you of our need for additional time. The reason for our need foradditional time to conclude your claim is as follows:-We are pending lien release from Medicare for this claim.We appreciate your patience during our investigation.Sincerely,P[redacted]Claims Representative###-###-#### Ext: 3768

Consumer

Response:

Review: 10675548

I am rejecting this response because:

I received a response to a complaint I made against Alliance Insurance, (claims representative). P[redacted]. He stated the company was waiting for a release from medicare in a letter dated June 19, 2015 from Revdex.com to me. On June 23, I spoke to Be[redacted], (recovery assistant) at Optum concerning this matter and was informed, she for a response to P[redacted] June 15, 2015, that there is no claim and the case or file #26[redacted]22 was close. Be[redacted], Recovery Assistant, ####-###-#### I believe P[redacted] is handling this settlement unfsirly.

Regards,

E[redacted]

Business

Response:

We have alerted P[redacted]'s supervisor C[redacted] to contact you today.

Review: On september 19 I was involved in a car accident and I called my insurance providet and they have yet to call me back on the matter. My vehicle was totaled and all they have said is that they canot come to a conclusion with my claim. The woman that has my claim has not once answered a single message or email an the one time she did answer she was very rude about it.Desired Settlement: I would like my vehicle paid or replaced. Its been 4 plus months and I still have no form of personal transportation and honestly im fed up with the fact that nothing has been done to resolve my claim at this point.

Business

Response:

Kindly provide the claim number so we may respond accordingly.

Review: I filed an auto claim with this company on January 23, 2014. It has been almost 6 months, and they continue to give me one excuse or another requesting more time. They do not return calls, you got to constantly follow up and leave voicemails and no one returns the calls. They have admitted fault and there is a police report on file. The one time I got them on line, they say they are working on it, the next a letter follows with needing more time - 6 months have gone by and I have not got my car rental refund and my car seat refund. It is not even a big amount (total $300 - given the fact that my car was totalled).Any help you can provide to move this long would be greatly appreciated. I'm resorting to this as it seems like the only choice at this time. Claim# [redacted]56Claim rep: [redacted]Desired Settlement: As promised - they are required to reimburse $200/- for my car rental and $ 100/- for the damaged car seat( their calls are recorded, so you can hear the recordings). My insurance company has confirmed they have sent all the paper work and request for clear pictures. They have also left several voicemails for their department (but state farm has said, no one has responded to them after they sent their request for clear pictures - that was a month ago!!)

Business

Response:

Our records indicate we have requested clear photos of your vehicle from your carrier on the following dates:

04/08/2014

04/17/2014

04/18/2014

04/23/2014

05/16/2014

Your carrier State Farm has been unable to provide clear photo's of your

vehicle to date.

No payment can be considered without clear photographs of your vehicle and it's

damages.

Business

Response:

No change: No payment will be considered until we receive clear pictures from State Farm.

Consumer

Response:

Review: 10091470

I am rejecting this response because: They need to prove that the pictures are not clear. They refuse to email it or mail to show it to me. State Farm Insurance has the pictures mailed, emailed and faxes are as clear. They have even followed up with Wendy Wong, but she has not responded to their calls. PROVE IT! Show the pictures.

They should stop giving canned responses trying to get away with what avoiding payment. Get professional here!

Regards,

Review: I currently have an open claim with Alliance United Insurance Company from a car accident caused by one of their insured. The accident, that took place in mid-October, is still unresolved. Although Alliance accepted full responsiblity of the accident deeming their insured to be at fault, the claim remains open nearly 10 weeks later. My car was fully repaired as of 4 weeks ago, yet I still have not recieved payment for either the repair, nor the rental car fees that were incured while my car was being repaired. After leaving countless messages- email, phonecalls, voicemails, etc. Alliance has remained completely un-responsive to both myself, and the autobody where the car was repaired. Senior management was also notifed on countless attempts and still no response. This is the most shady, unprofessional business I have ever encountered. Legal action will be taken.Desired Settlement: Refund for auto repair in the amount of $2,106.62Refund for car rental in the amount of $479.85

Business

Response:

We are in receipt of your request for assistance to the Revdex.com contending delay in payment for your property damage and loss of use.

Pursuant to the following repair and loss of use checks, your claim was resolved in less than 60 days which included a supplemental estimate for additional damages not visible during the initial inspection:

Initial vehicle inspection received on 10/08/2013. The initial repair check of $1990.12 was issued on 10/10/2013 mailed to your residence and cashed.

Initial loss of use check of $120.00 issued on 10/25/2013 mailed to your residence and cashed.

Supplemental vehicle inspection received on 11/20/2013. The supplemental repair check $1984.11 was issued on 11/25/2013 and mailed to AW Collision and cashed.

Follow up loss of use check $160.00 issued on 11/25/2013 mailed to your residence and cashed.

Rental check $639.85 issued on 1/3/2014 mailed to your residence. Endorsement pending.

We apologize for the inconvenience of this accident and that this claim was not resolved to your satisfaction. Unfortunately, based on all information available to us, we believe there was no undue delay.

Consumer

Response:

Review: 9856924

I am rejecting this response because:

There has been no resolve. There is still a very large sum that has yet to be refunded. Partial refund was given within 60 days; however, the majority of the balance still is unpaid.

Regards,

Review: Trying to make a payment for my dad's vehicle insurance. Due date was December 23,2013. I call on December 23, 2013 at 10:25 am to make a payment over the phone because company does not have an online payment option and if you go to the brokers office they charge you ten dollars ($10.00) to process the payment. When I'm on the phone to make the payment I am told that the policy has been cancelled for non-payment. I proceed to tell them that the policy's due date is today, December 23, 2013 and I'm calling still during the day of the date it's supposed to expire. The representative tells me it's expired and now I have to pay a different amount which is more than the bill was supposed to be because the policy is expired. Also, my next five (5) monthly payments are going to be more than my usual payment from $80 to $94.91Desired Settlement: I would like to solve this matter by having the company be fair and allow a customer to still make a payment on the policy the same day that expires if it's still that 24 hour period. I would also like to have the policy back to the same amount as it was before because my parents do not have money to be doing these changes.

Business

Response:

I would be happy to assist you with your policy but in order to do so I will need a policy number or the name of the individual listed on the policy.

Thank you

Review: We were in a hit and run car accident with one of this company's insured. Despite 15 phone calls, we have never once received a return call. Their insured is liable for our damages and injuries, and they cannot be bothered to return a phone call. Poor and unethical business practices. Will be filing a complaint with the california department of insurance.Desired Settlement: We need to receive a phone call and reimbursement for the damages to our vehicle caused by their insured.

Business

Response:

Kindly provide your claim number so we may respond accordingly.

Review: a client of alliance united insurance co hit my car.I have been calling them at least 5 times a day and leaving messages for 2 weeks. They left me a message and a claim number 10 days ago but won't reply to my messages or authorize my car to be repaired. claim 28[redacted]3! Thanks,R[redacted]@gmail.com###-###-####Desired Settlement: Pay for my car to be fixed plus rental!Pay a month lease on my car for the delay so far (would be nice) $1900

Business

Response:

Our records reveal we spoke directly to you on December 4, 2015, Friday whereby you provided your statement. We are currently conducting our investigation into the facts surrounding this loss.Once our investigation is complete we will contact you directly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID 10981368, and find that this resolution is satisfactory to me.

Thx, Alliance has reached out to me.

Regards,

Review: On 6/17/2014 my car was hit by a car that was insured by Alliance United Insurance. The driver of the car that hit my car agreed that it was her mistake and made the claim (#20[redacted]2) process very easy. I received a letter and a call from [redacted], the adjuster of the insurance company saying that they have estimated that the costs to repair my car are $1390.29 and the estimated time for repair as 2 days. So they sent me two checks for $1390.29 and $60 ($30 per day is the rental car coverage they agreed to provide due to loss of usage of my car). In the phone call and also in the letter they mentioned that if there is a supplemental cost involved the insurance company would directly work with the repair shop to pay the additional cost. I specifically asked the insurance company's representative on the phone if they will cover for the rental car if the repair takes longer than 2 days (I asked that because my work is 2 miles from my home so I could either walk to work or ride a bike to avoid cost from my pocket). I was told that the insurance company will cover for any additional days of rental car. So I decided to rent a car. After the repair shop started working on my car they found more damages and gave me additional quotes for $1004.99. They sent this to Insurance company as well, and an inspector went to the shop few days later to inspect the car. The insurance company agreed the supplemental costs are legitimate, so they sent a check to the repair shop directly for $1004.99. I was very happy with the insurance company until here. But due to the communication delays between the insurance company, inspector and the repair shop, my car had to stay at the repair shop for a total of 10 days. So I had to rent a car for a total of 10 days but I was paid only to cover for 2 days. I have called [redacted] multiple times and emailed her about the money insurance company owes me fore additional 8 more days, that is $240. It is been more than a month but there was no response from the company till now.Desired Settlement: I would like to request the insurance company refund me the $240 that the company owes me.

Business

Response:

We have asked [redacted] to call you within 24 hours. Claims Adjuster

Review: I filed a claim on my insurance December 22,2013 all I have received is confirmation of the claim and who my claim representative is [redacted] I have called him numerous times in the last three months and have received no response from him. Today I called and another claims representative told me my claim was close. I did not receive any letter stating why my claim being closed and for what reason. I have full coverage on my vehicle and no one has come out appraise damages done on my vehicle or travel tailor. My claim # 1[redacted]9. I have been paying all my premiums for three years and I feel they are not doing their part.Desired Settlement: I would like them to come out and appraise the damages and pay the appraisal damages done to my vehicle and travel trailer.

Business

Response:

Dear [redacted], Our records indicate we afforded the damages to the fuel pump owned by AM PM. Attached is a copy of our check.

Consumer

Response:

Review: 9987346

I am rejecting this response because: My vehicle has not been fixed or evaluated for damages by my insurance company or claims representative. I have full coverage on my vehicle and they have only paid for damages to am pm but have done nothing for my vehicle.

Regards,

Business

Response:

Please contact your adjuster to resolve this matter.

Review: well, I was in a car accident on the 28th of October, involving another car. sense the accident ive have been fighting the insurance company to get my car in the shop and repaired. I commute a very far distance to work everyday so have a good car is a necessity, by all means. the company has not been doing a good job of staying in contact with me and keeping me updated on any information. just trying to get ahold of my the person that was assigned to my claim is impossible ive wrote several emails and called everyday at least four times a day. her supervisor refuseing to take any of my calls of replay to any of my emails. sense then ive had to miss out on work which means im loosing money. she has called me twice in the past but I felt the information she gave me led no where nd now I have a crashed car infront of my driveway.this cant keep going on I need my car in the shop and out asap so I can get back to work and feed my family thank you.Desired Settlement: I feel like my car should have been at least in the shop by now, I would like my car to be in the shop and on its way to be fully repaired

Business

Response:

Kindly provide your claim number so we may respond accordingly.

Consumer

Response:

my claim nummer for alliance united insurance is 283**7, for Revdex.com 10985284

Regards,

T[redacted]

Business

Response:

Claims Department Management, Claims Department Supervisor and the adjuster have been provided with a copy of your complaint. We have asked the adjuster to call you today to resolve this matter.

Review: Bad costumer service, Does not fill out information correctly, Gives run around when trying to cancelDesired Settlement: refund last 6 months premium

Business

Response:

Dear Mr. [redacted],

To cancel a policy our company requires a written request signed and dated by the named insured. We received a fax on 11/9/2013 from USAA with a policy declaration. We sent a letter to you on 11/13/2013 advising this was not acceptable as it did not include a written request to cancel with your signature.

We received a phone call from you on 12/5/2013 and again you were informed we require a written request signed and dated by the named insured.

We spoke with you on 12/13/2013, 12/14/2013, 12/19/2013, 12/23/2013 AND 12/27/2013 advising we had not received the written request.

As of today 12/30/2013 we have not received a written request with your signature requesting to cancel. Once received we will cancel your policy as requested.

Please submit your signed request to me direct fax number ###-###-#### and I will process the cancellation.

Sincerely,

Review: I was hit in a parking lot by one of their insured, I called Alliance United from the scene and confirmed insurance coverage. I was told I need to talk to claims, It took three weeks of leaving messages before they returned my call. After waiting another week, I received a call telling me the claim was denied. They would not give me a reason for denying the claim. It looks like Alliance United Insurance has a long list of similar complaints. They do not seem to be operating in good faith.Desired Settlement: Honor the claim and return phone calls

Business

Response:

Dear Mr. D[redacted], We are unable to provide coverage under our insured’s policy unless there has been full compliance with all terms of our insured’s policy. Although California statutes prevent us from releasing our insured’s personal information to anyone, we are able to tell you, that on the date of the loss there was not full compliance with all terms of this policy and as such, no coverage can be extended for the above referenced loss.