American Access Casualty Company

Just as your insurance company would likely not authorize a payment off your policy without contacting you first to verify that you were in fact involved in an accident for which you were legally liable, we are entitled to do the same.  Unfortunately, sometimes the process is longer than others.  That being said, we have accepted liability and you have chosen to proceed through your insurance carrier.  We will await their subrogation proofs to review.

Revdex.com, this is in response to your inquiry on your file number [redacted] and the complainant [redacted]Be advised that Ms. [redacted] has filed a complaint with the Department of Insurance who is the proper govening body, please refer her to them for our position in this matter.Sincerely yours,American...

Access Casualty Company

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] Ms. [redacted] is a 1st party insured who wants to have her collision claim resolved. The loss occurred on May 4, 2016 and it was reported to American Access Casualty Company on the same...

day.  Our investigation has been completed on this claim and the repairs to her vehicle have been approved for $1477.40 minus her deductible of $500 for a net settlement of $977.40.  She may contact the repair facility to set up an appointment for repairs. Sincerley yours,American Access Casualty Company [redacted]Claims Manager

Our claims department spoke to the insured at 9:40 a.m. this morning and advised due to the fact there was no forced entry to the vehicle, there is no coverage under the policy per the exclusion.  A denial letter outlining the exclusion was sent to the insured as well. Please let me know...

if you have any further questions and/or concerns. Thank you.

This claim was reported on 10/18/17. The estimate was received on 12/03/17. The estimate was approved on 12/05/17 and the payment was sent to the body shop on 12/08/17. 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 24-48 hours.

At this time, we have conflicting facts regarding this accident.  Our insured contends he did not strike the rear of the other party's vehicle.  There was no police report filed to assist with our investigation.  The claimant provided our claim representative with the name of a...

witness but to date, she has been able to get in touch with the witness.  We will need a recorded statement from the witness in order to continue our investigation regarding the facts surrounding this occurrence.

The complainant has also filed an [redacted] Department of Insurance complaint dated December 5, 2017 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: American Access has shifted the blame onto ** Bank. It was they who dragged their feet. The final vehicle evaluation letter was finally received by my finance company 3 days ago, 24 February 2017. There is no way it should have taken that long. Before the 5 business days it will take ** Bank to provide the Letter Of Guarantee to American Access, my 6th payment for a totaled car will be due. American Access should be punished in some way that lets them know they can't repeat this debaucle.
Sincerely,
[redacted]

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] Ms. [redacted] is a 3rd party claimant who indicates that her claim for property damages was denied and is disputing the denial. Our investigation revealed that a undisclosed driver was driving...

our insured vehicle when the loss occurred.  Our insured purchased a limited liability policy in which only certain parties are covered when a loss occurred.  Since the driver of the vehicle was not covered when the loss occurred, her claim for damages was denied.  Our denial in this matter remains. Sincerely American Access Casualty Company [redacted]Claims Manager

Thank you for your inquiry.  Unfortunately, your name is not coming up in our system since you were not the person involved in the accident.  Please provide me with the American Access claim number and/or the policy number as well as our insured's name and your daughter's name so that I...

can locate the claim file and assist you. Thank you.

Thank you for the inquiry.  Our investigation reveals we have inspected the claimant's vehicle.  We are pending a statement from our insured in order to conclude our liability investigation.  Due to the fact there was no police report filed, we must verify the facts of the loss with...

our insured.  Once we speak with our insured, we will be able to move forward with our investigation.  Eleana [redacted] spoke to the claimant on 2/13/18 and explained the above.  She will keep her advised of our progress in this matter.

This is in response to your inquiry on your file number [redacted] and the complainant [redacted]. Ms. [redacted] is a 1st party insured who wants to have her vehicle repaired.  Be advised that Ms. [redacted] claim for damages has been denied as her vehicle was being used for business...

purposes, in which he personal auto insurance policy does not cover.  The claim was denied and our denial remains. Sincerely yours,American Access Casualty Company

Unfortunately, since there was no police report filed we were unable to move forward with the claim until we received our insured's statement confirming the facts of loss.  We will await subrogation proofs from [redacted].

Complaint: [redacted]
I am rejecting this response because:Ms. [redacted] did not speak with me, she just left a message on my answering machine. Furthermore, due to the fact that the accident happened in a federal parking lot, the police do not come anymore. So what I end up doing was file a VA police report instead. I can provide a copy if they request it.
Sincerely,
Grace [redacted]

Our claims department spoke to the customer on 10/23/17 at 7:56 a.m. at which time she explained her vehicle has been deemed a total loss.  Paperwork was emailed to the customer and we advised her we are pending the letter of guarantee from her finance company in order to issue payment.  Once received, we will issue payment.

Initial Business Response /* (1000, 11, 2015/09/25) */
This is in response to your inquiry on your file number XXXXXXXX and the complainant [redacted]
Mr. [redacted]is a 1st party insured who wants his policy canceled and his premium returned. The policy has been canceled and the premium...

refund was issued on August 18, 2015.
Sincerely yours,
American Access Casualty Company
[redacted]
Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

When we received the claimant's total loss paperwork on April 24, 2017, we were unsure as to whether or not he wanted to retain the vehicle or turn it over to us.  Our claims department called the claimant that day to clarify, but had to leave a voicemail.  It was not until we spoke to him...

on May 16, 2017 that we confirmed the claimant wants to retain the vehicle.  Payment per the agreed upon amount of $4,704.30 has been issued to the claimant as of today.  We have confirmed his mailing address as well.  We explained to him he should receive payment within 3-5 business days.  He understood.  Please consider this matter concluded.  Please let me know if you need any additional information.

Thank...

you for providing the American Access claim number.  Our appraisal supervisor spoke to Mr. [redacted] today and explained that we have adjusted the estimate to include the correct mirror.  We also explained our supplemental procedures and if the shop finds any additional damage once repairs begin, they will contact us and we will address it at that time.  A check for the additional amount of $177.27 was issued to Mr. [redacted] today, and it should be received within 3-5 business days.  Rental is handled on a reimbursement basis.  Once the paid rental receipt has been submitted, we will review it accordingly. Thank you.

Complaint: [redacted]
I am rejecting this response because: I have talked to the witness on several occasions. American access have not contacted her at all. I don't understand what more proof do the company needs. If your insurer didn't hit me, why do I have a picture of the insurer's license and insurance. Why would he go up to the auto body shop and complain about the estimate being too expensive if he never hit me. I submitted the witness information several times. I even gave the the name of the auto body shop so they can talk to the owner about the insurer visit. That still does not explain the fact that American access has not got in contact with me nor has they given me any update on anything. It doesn't explain why I can't ever contact the adjuster, that constantly hangs up on me every time I call. It's ridiculous and bad for business. 
Sincerely,
[redacted]