American Alliance Casualty Company

As with any auto accident our office must complete a full investigation of all the facts surrounding the loss prior to making a coverage and or liability decision. Depending of the facts of the loss and the cooperation of the parties involved, the time it could take to resolve such issues can vary....

 In your case it appears our claims staff has spoken with you and updated you on numerous occasions.  I show that our office recently received the police report and the copy of the estimate and a check for the damages to your vehicle should be out by weeks end.

Relative to contact we do try to answer all calls as soon as possible and records do show that we spoke with our insured on 12/05, 12/06 & 12/29 and sent updating correspondence on 12/29/2017.  Prior to this, we have no record of any prior phone contact with our intake department and while...

there can be incidences of high hold times there is no reason that Ms. [redacted] could not have made contact during the nearly 3-month period from when the loss occurred.  Records show that she was able to easily report this to our intake department at 5:01 PM on 12/06/2017 when we were first made aware of the loss.  Beyond just phone reporting, the company does offer 24/7 reporting of losses though its website as well.  Relative to the claim, our first notice of the loss came from the insured nearly 3 months after the loss had occurred.  Our insured did not report the loss in the requisite 30 day timeframe nor did she cooperate in any manner which is a violation of key conditions of the policy contract for coverage:   Conditions: 3. A. Notice of. As a condition precedent to coverage under every Part of this policy, within 30 days of any accident, occurrence or loss, regardless of fault, the Company must receive written notice containing at least the following information: a) The time, place and location of the loss; and b) The full name and address of each known person who occupied any vehicle involved in the loss and/or who was present at the scene at the time of the loss; and c) The purpose of the use of the vehicle at the time of the loss; and d) The facts surrounding the loss; and e) Any other information the Company requests in order to conclude its investigation of the loss.     6. Assistance and Cooperation of the Insured. As a condition precedent to the Company's duty of indemnity with respect to claims and lawsuits brought against an insured, the insured shall cooperate with the Company and upon request by the Company or attorneys hired by the Company to represent the insured, the insured shall assist in completing the Company’s investigations including answering questions and providing all reasonably available evidence and in the litigation of any lawsuit including attending hearings, trials and examinations under oath, and assisting in making settlements, securing and giving evidence, obtaining the attendance of witnesses and in the conduct of any legal proceedings in connection with the subject matter of this insurance   As to the appraisal we did ask the insured to complete the appraisal process either through our mobile application or at one of our DRP facilities which she refused.  Beyond any reporting violation and given her refusal to complete an inspection, she also has violated the provision that requires her to exhibit the damaged vehicle to the company within 91 days:   10. Insured's Duties in Event of Loss - Part V (b) file with the Company, within 91 days after loss, his sworn proof of loss in such form and including such information as the Company may reasonably require and shall, upon the Company's request, exhibit the damaged property and submit to examination under oath;   While we understand she wants to utilize her own repair facility, if there was coverage (after the appraisal was completed) she would be free to bring the car in for repairs at a shop of her choosing,  She would however be responsible for any difference in labor rates and parts prices had we provided the name of a shop who would complete the repairs for our estimate.   As there is no coverage, this aspect of her compliant is not relevant.   I did personally, speak with Ms. [redacted] advising her of this and I did not advise her that I did not care if she filed a Revdex.com complaint as we take these seriously.   I simply advised her that if she made such a complain I would be more than happen to outline to the Revdex.com that Alliance acted properly in its assessment of this matter.   Given such violations, our office issued a coverage denial to all parties on 12/29/2017 and our file remains closed barring any civil challenge to our coverage position

I was backed into by one of the insured with American Alliance Insurance. I waited on the phone 65 minutes to reach a representative, went to one of their repair shops for an estimate, filled out a form they sent, and have heard nothing more from them. I am currently waiting on the phone 30 minutes to get an update. I am surprised Revdex.com gives this company an A+ rating. SHAME!

As with any auto accident our office must complete a full investigation of all the facts surrounding the loss prior to making a coverage and or liability decision. Depending of the facts of the loss and the cooperation of the parties involved, the time it could take to resolve such issues can...

vary.  In your case it appears our claims staff has spoken with you and updated you on numerous occasions.  I show that our office recently received the and approved a copy of the estimate and a check for the damages to your vehicle should be out by weeks’ end.

Initial Business Response /* (1000, 5, 2014/04/07) */
Contact Name and Title: [redacted] vp claims
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@myamericanalliance.com
This loss was reported to us on 02/18/2014 and we set up our insured Ms. [redacted]'s vehicle for inspection. We...

received the appraisal of $1805.19 for our shop to repair and issued a check less the deductible of $500 to her and her shop. We also issued a supplement check for $544.75 to her shop. Besides the $500 deductible there was and additional $248.82 which insured owed for betterment and depreciation for mechanical wear and tear parts that were replaced with new OEM parts. Beyond that, we cannot speak to what else her shop charged and she would need to address that directly with them. Additionally, the claim took some time to finalize due to the failure of her shop to provide us with the proper invoices, which they later advised that they had lost. We believe we handled this matter appropriately.

Complaint: [redacted]
I am rejecting this response because: My policy ends February 23rd. I also don't owe any more payments for my six month policy. I will not be moving forward with this insurance company. 
Sincerely,
[redacted]