American Access Casualty Company

Thank you for the inquiry Can you please provide your policy number and the date of loss so I can locate you in our system? I will then be able to direct you to the proper management personThank you, American Access Casualty Company

Our file reflects several phone calls to them requesting a letter of guarantee which to this day, we are still awaiting

The complainant also filed an [redacted] complaint the day before she filed the Revdex.com complaint Below is a copy of our response to the [redacted] Department of InsuranceDecember 1, Illinois Department of Insurance [redacted] Springfield, IL 62767-Re: Your File Number: [redacted] Complainant: [redacted] Our Claim Number: [redacted] Insurance Company: American Access Casualty CompanyCompany Number: *** Dear Complaints Resolutions: This is in response to your letter dated November 28, regarding File Number [redacted] and the complainant, [redacted] [redacted] is the first party insured whose complaint is that her daughter was involved in an accident, and she has expressed her displeasure regarding the customer service she has received She is also looking for us to pay for damages to the front end of her vehicle The loss occurred on October 28, 2017, and it was reported to American Access Casualty Company on October 31, at which time our investigation into the loss was openedOur investigation reveals our insured advised us that she was struck in the rear while driving on the expresswayShe did not advise us that she was pushed into anything that caused front end damage to her vehicle On November 3, 2017, a preliminary repair estimate was completed in the amount of $2, Payment in the amount of 1,(less the insured’s $deductible) was issued to the repair shop and the insured on November 13, The official Chicago on-scene police report was also received on November 13, The responding officer reported absolutely no front end damage nor did he mention the insured struck something with her front end after the impact which would have caused any front end damage The insured vehicle had existing damage from a prior loss that had not been repairedWe then requested verification from the insured in the form of scene photographs to ensure the front end damages were actually from this lossThe insured failed to submit this requested information She then proceeded to file a [redacted] and a Revdex.com complaint On November 28, 2017, a supplemental estimate was written in the amount of $ We made a business decision to cover the additional damages to the front end and seek subrogation Payment of the supplemental estimate was issued to the body shop directly on November 29, We are now seeking recovery from the liable party’s insurance company in the amount of $2, Please consider this matter concluded If you need anything further, please do not hesitate to contact me at [redacted] Sincerely,American Access Casualty Company [redacted] Quality Assurance Specialist

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 her prooperty damage claim resolved.Our investrigation into the loss revealed that Ms [redacted] was the proximate cause of the loss as she failed to yield the right of way to our insured Our denial renains [redacted] Claims Manager

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] Mr [redacted] is a 3rd party claimant who is disputing whether an insurance carrier needs to pay for the insurance on a rental vehicle Be advised that Mr [redacted] rented a vehicle due to an auto accident Mr [redacted] has insurance through [redacted] Insurance Company and the rental vehicle would have had coverage through his insurance carrier Therefore coverage paid for on the rental bill was not a reasonable expense to be incurredSincerely yours,American Access Casualty Company [redacted] Claims Manager

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

We spoke to the claimant on May 30, and advised him liability had been accepted We set up an appointment for him to bring his vehicle in for an estimate Once the estimate has been received and reviewed, we will reach out to the claimant to conclude his property damage claim IN the meantime if he has any questions, he can contact his claims adjuster, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] they took over a month to actually solve the issue explained in my original complaint 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 denialOur 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 remainsSincerely American Access Casualty Company [redacted] Claims Manager

This is in response to your inquiry on your file number [redacted] and the complainant [redacted] Ms [redacted] is a 3rd party claimant who is disputing the denial of her property damage claimReview of our file indicates that the driver of our insured vehicle at the time of the loss did not contain a valid drivers license and was not a household resident of our insured Therefore based on exclusion Q in our policy contract, coverage is not afforded for her loss Our denial in this matter remainsSincerely yours,American Access Casualty Company [redacted] Claims Manager

We are sorry you don't agree, but we have procedures in place we must follow, and we cannot authorize a payment off of our insured's policy without their cooperation It is a condition of their policy contract

Complaint: [redacted] I am rejecting this response because: I have been calling the new number that you sent with the adjuster***, he was the first to leave me a voicemail and decided to go on vacationApparently he is still on vacationI am tired of this cat and mouse gameI just want some help! I pay for insurance and held up my part of the deal, Can I get the same from American access Sincerely, [redacted]

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

Complaint: [redacted] I am rejecting this response because:I did everything I was supposed to do the agency still has yet to call me, I have been doing all the calling and contacting, they sent inspectors out almost weeks after the car had been sittingThey were informed where the vehicle was the day after the accidentThis company is using tactics to prolong the process.the company did not start moving until last weekThe only way I found that information out was because I called againI have no fault for the car sitting in storage that should have been handledAs far as settling, they are offering lower than what the vehicle is worthThey did not include taxes that would be lost to have to pay for another vehicleOf this company offered 10,for the settlement for property damage I would have acceptedI am not in the low balling businessAs far as my wages lost I have sent that information in the adujuster went off on me about sending to her email, asking how did I get her email information, when she emailed me a from the emailThis company is causing me financial stress and loss Sincerely, [redacted]

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 $was issued to Mr [redacted] today, and it should be received within 3-business days Rental is handled on a reimbursement basis Once the paid rental receipt has been submitted, we will review it accordinglyThank you

The complainant's vehicle has been deemed a total loss A total loss settlement offer has been extended to the claimant but she did not accept as she does not agree with the deduction for storage expenses As the vehicle owner, it is her responsibility to mitigate her own damages We do not owe for storage charges that have incurred on her vehicle A written total loss settlement offer has been sent to the claimant Regarding her injury claim, the claims representative is in the process of obtaining the claimant medical bills, medical records and proof of wage loss Once all have been received and reviewed, a bodily injury settlement offer will be extended to the claimant No payment will be issued until both parities agree to a settlement figure and the claimant signs a release She has been advised in writing of the statute of limitations

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

Revdex.com: I have reviewed the response made by the businessMy incident happened 10/03/and could NOT submit a claim due to a rep saying the systems were down and refused to help meI’ve tried contacting my adjuster [redacted] many many times to see about my claimI have received an email from herI have sent all needed info to release payment Sincerely, [redacted]

Our investigation reveals this was a four-vehicle accident Our insured is liable for the property damage sustained to all three claimant vehicles Our property damage coverage limit is $10, Before any property damage settlement offers could be extended, we needed to confirm we would have adequate coverage for all parties We are currently waiting for signed releases from all three claimants Once received, we will honor all property damage claims

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, that we confirmed the claimant wants to retain the vehicle Payment per the agreed upon amount of $4,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-business days He understood Please consider this matter concluded Please let me know if you need any additional information