American Access Casualty Company

Complaint: [redacted] I am rejecting this response because: I should not have to suffer because their insured is not responding to their attempts to contact herTheir insured was found at faultI got the run around from this insurance company from the beginning of the claimIf their insured vehicle was covered with insurance at the time of the accident, then this company should be paying to get my vehicle repairedFrom the beginning of the claim, I was told by the adjuster that I should go through my own insurance, but why should I go through my insurance and have to pay a deductible if their driver was insured at the time of the accident and found at faultAs I’ve said before, this company is showing shady business practices and I feel like that they are doing their best to not pay for the repairs to my vehicleWhat’s the point of a person having insurance if they can drive and hit another vehicle then not respond to their insurance company, and the company leaves the repairs on the vehicle that was struck and not at faultIt’s unfair and should be illegal Sincerely, [redacted]

As previously stated, we do not have direct deposit capabilities We also do not normally send checks via overnight mail The decision to forward the check via overnight mail was made after the phone call between our claims department and the claimant This was done as a courtesy to the claimant as we have no control over the U.Spost office's failure to deliver the original check which we verified was sent to the correct address This is no fault of American Access

The claim was denied due to lack of cooperation on the part of our insured We attempted to reach our insured several times both by phone and by mail The claimant was advised to send in any evidence to support her claim that insured was at fault for the lossShe sent in an accident exchange formThe claimant was advised the form alone was not enough to assess liability as there was just an exchange of information only Appears the form was filed on scene, but the officer chose only to do an accident exchangeWe attempted to order the official report and none was foundThe claimant went into the local PD herself and was advised that what she received was the official report and there was nothing moreAdvised that we were not able to determine liability due to our insured's failure to cooperate with the investigationWe can revisit if insured cooperates in the future

Revdex.com, this is in response to your inquiry on your file number [redacted] and the complainant [redacted] Ms [redacted] is a 3rd party claimant who wants to have her property damage claim resolved.This is a multi vehicle loss in which our insured has a $10,property damage limit and therefore we need to ascertain all exposures before we can proceedOnce all exposures have been identified we will be in contact with her to come to a resolution.Sincerely yours,American Access Casualty Company [redacted] Claims Manager

Complaint: [redacted] I am rejecting this response because: When I talked to whoever answers [redacted] calls he specifically told me that they do NOT offer any direct deposit or overnight mailing but now all a sudden you give me some made up track number that I have looked up and nothing shows! He did tell me that the were going to void it and give it 7-business days, which is unfair considering this is my THIRD week waitingYou give me a made up tracking number and expect it to be okayit is notI was told that the only thing they can do is re-mail it to my address or mail it to a close friend’s address and that it could have been lost in the mailSo how do you have a tracking number now, but yall do not offer those services? Horrible experienceIf the tracking number is CORRECT, please tell me how do I go about tracking it? And if it is overnight, I Would be expecting the check tomorrow, not 7-days like I was toldLISTEN to the calls!! Sincerely, [redacted]

The claimant submitted a rental receipt on 9/13/and reimbursement was issued the same day There was no delay

Intake Unit, this is in response to your inquiry on your file number [redacted] and the complainant [redacted] Mr [redacted] is a 3rd party claimant who wants to have his property damage claim resolved The initial claim was approved for $and the check was issued on May 31, Once the vehicle was torm down addtional damage was found A supplement was completed for the amount of $ It was approved and paid on June 29, to conclude this matterSincerely yours,American Access Casualty Company [redacted] Claims Manager

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] ***Mr [redacted] is a 1st party insured who wants to have his claim resolvedThe loss occurred on August 27, and it was reported to American Access Casualty Company on the same day At which time our investigation into the loss was opened Currently our investigation into the loss has not been completed Once our investigation has been included we will be in contact with Mr*** Sincerely yours,American Access Casualty Company [redacted] Claims Manager

We have not reimbursed the customer for the rental yet as [redacted] their insurance carrier, has advised us they, too, paid rental for their customer They have yet to send us their rental bill which is needed to ensure we don't pay for the same dates Once this information has been submitted, we will review the receipt for reimbursement as originally advised

This is in response to your file number [redacted] and the complainant [redacted] .Mr [redacted] is a 1st party insured who wants to have his collision claim resolved Be advised that an offer of settlement has been made for the amount of $10,which is based on his vehicle being a total loss with a value of $11,minus his $deductible Currently we are waiting on a guarantee of title from his lien holder to conclude his claim Once received payment will then be issued.If you have any further questions please contact me at [redacted] .Sincerely yours,American Access Casualty Company [redacted] Claims Manager

A review of the file reveals that originally, this claim was filed by the claimant's carrierAfter he had completed inspection with their organization, he opted to pursue the America Access policyThe adjuster had spoken with the claimant's daughter as her number was the phone number on recordOn June 22, the process was explained to the father and it was advised that the daughter had the mobile link sent to her so that she can upload her photos of damagesWe had not received the information from daughter and made a courtesy call to American Family knowing that we can secure their estimateWe would owe the rates as the venue of loss is Wisconsin, our team wrote at Illinois rates the adjuster was notified to honor the American Family estimateA supplement question came up and due to the possibility of a total loss outcome, we ran the market value of the vehicleThis confirmed that the vehicle was in fact a total loss and additional offers were presentedThe original estimate offered was $1,this was changed based on the Wisconsin rates to $1, Additional settlement was offered in the amount of $1,781.10– adjuster presented the offers and additional payments were tenderedThe original check was void and reissued on 8/17/ We called the claimant today and left a voicemail advising sameHe should be receiving the settlement check sometime this week

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] Mr [redacted] is a 3rd party claimant who wants to have his property damage claim resolved The loss occurred February 11, and it was reported to American Access Casualty Company on February 19, At which time our investigation into the loss was openedAn estimate of repairs was completed for the amount of $and an offer of settlement was presented on March 8, for 100% of our estimate and a check was issued as well fo this amount If there is a dispute of the damages or if additional damages are found upon teardown of the vehicle, he may contact us to discuss and review At this time our offer remainsIf you have any further questions I may be contacted at [redacted] Sincerely yours,American Access Casualty Company [redacted] Claims Manager

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] ***Mr [redacted] is a 1st party insured who wants to have his theft claim resolved Currently an offer of settlement has been presented for the amount of $minus his $deductible for a net of $ We are currently waiting on the guarantee of title from his lien holder and the completed power of attorney from him Once these documents are secured payment will be forthcomingSincerely yours,American Access Casualty Company [redacted] Claims Manager

The vehicle has been deemed a total loss The insured does not agree as he wants to retain and repair the vehicle We made a settlement offer of $4,if he wants the company to retain the vehicle or $1,if he wants to retain the vehicle The insured still has a lien on the vehicle so ultimately, it is up to the lienholder to determine if they will allow the insured to retain the vehicle That is out of our control At this time, we are pending the insured's signed power of attorney form so that we can issue payment to the lienholder

The complainant has also filed an [redacted] Department of Insurance complaint dated December 5, which has been assigned complaint # [redacted] We are currently in the process of providing our response to the [redacted] Department of Insurance Please let me know if any additional information is required of American Access

Complaint: [redacted] I am rejecting this response because: The fact that your insurance company let my car sit in the pound for weeks and not only that but im out of $dollars for a car rentalI contacted the insurance adjuster multiple times from when I was notified that my car had been foundyour company is full of st the only reason why you guys don't want to pay is because of the cost to get my vehicle out of the pound which is $and the damage to my vehicle and you fell like shouldn't have to pay and you shouldHad [redacted] returned my phone calls in a timely manner and knew ahead of time that you all were going to deny my claimI have full coverage on my vehicles not to mention you all should state that in your policesMost legit insurance companies pay for the vehicle as long as the car is still able to runI will be taking you guys to small claims court to receive my money back that I spent regarding this claimYour company needs better communication skillsI will not be taking a lost due to your company not wanted to pay for anything Sincerely, [redacted]

This claim was reported on 10/18/The estimate was received on 12/03/The estimate was approved on 12/05/and the payment was sent to the body shop on 12/08/We were just recently informed by the body shop that they are pending an approved supplement as the vehicle may be a total loss Just yesterday, 2/13/17, it was confirmed the vehicle is indeed a total loss Our claims department is now in the process of reviewing the total loss paperwork and will be reaching out to the insured to discuss settlement within 24-hours

The offers were sent via certified mail on December 5, Due to the fact today's date is December 6, 2016, it is unlikely the claimant would have received the letter as of yet

Complaint: [redacted] I am rejecting this response because: AGAIN American Access has already accepted responsibility for the accident I have submitted a receipt of my paid $deductible to the adjuster via email and I called and left a message on 10/16/ I still have not received a response from anyone I find it troubling that I have more contact through the Revdex.com then by contacting though American Access Insurance CompanySincerely, [redacted]

This in response to your follow up inquiry on the above matter At this time our position in this matter remainsSincerely yours,American Access Casualty Company [redacted] Claims Manager