American Alliance Casualty Company

There was no coverage for the loss and the company has issued the appropriate coverage denials to his insurance carrier on both 02/28/and 06/27/2017. Barring any civil action as to our position, Alliance will be offering no indemnification of this matter

At this point Ms*** really has absolutely no standing to make any complaint as Alliance is currently dealing directly with her rental agency on the subrogation claim they are pursuing When we have completed our investigation we will try to come to an agreement as to resolution of the
subrogation matter. At this point this is a matter solely between Alliance and ***

Mr***The opposite is true here. You never actually reported the loss to us as we first found out about it from one of the parties you had struck and our office then sent out the report of accident forms to you. Also we would not just ignore your phone calls or voice mails
especially when you are our customer and we have already taken measures to resolve the claims of the parties you struck. If you are going to make a claim for collision please contact our intake department at *** ***. We will reopen once you have taken your car for inspection

We have already full explained the position on this matter If Ms*** has a disagreement with our assessment she is entitled to that agreementhowever, the proper forum for the resolution of such disagreements lies with the civil courts

Complaint: ***
I am rejecting this response because:It misstates the evidence and doesnt’t address my complaintYour claims adjuster was deceptiveHe assumed that we accepted your conclusions about liability without askingWe do not accept any faultThis isn’t over Stop your deceptive practices or shut down.
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11028076, and find that this resolution is satisfactory to me
Sincerely,
Brian ***

This matter was reported to us by Ms*** on 12/and we did complete the documentation of their damages. Unfortunately our insured has not reported a loss and has not cooperated so we have been unable to verify that our insured was involved and liable for the damages. We have also
been unable to obtain a copy of the police report. Until we can verify that our insured was legally liable we cannot make payment on the claim and in fact we may have to issue a coverage denial if our insured continues to fail to respond

Relative to contact, we do try to answer all calls as soon as possible and while she may have been on hold a few minutes we would never put anyone on hold for minutes - hours as alleged. Records do show that we spoke with the complainant or their representative on 03/13, 03/14, 03/28,
05/09, 05/and sent updating correspondence on 03/13, 04/14, 04/24, 05/and 07/16/2017. As to the claim itself, our office did document the damages and completed a coverage and liability investigation. After all documents were received and reviewed our investigation showed that there was absolutely no evidence defeat to locks, windows or ignition Given such, there is no coverage under the contract for a theft loss where there is no evidence of forcible entry Evidence showed that the loss was likely due to the keys being left in or near the vehicle as unless ignition is defeated this car can only be operated with chipped key Per the policy contract: Forcible entry means unauthorized entry to the vehicle and use of actual force or tampering to operate it evidenced by marks or damage to the ignition, ignition locks, steering locks, or other security devices installed to prevent operation by unauthorized personsExclusion (n) to any loss due to theft under Coverage (A) of Part V if evidence exists that forcible entry was not required to gain access to the automobile or to operate it, or that evidence exists that keys were left in, on or near the automobile while it was unattended; Since this particular loss was excluded, a coverage denial letter was issued to the complainant. Additionally, it appears that even if there was coverage the damages are under the $deductible. At this point given the declination of coverage the file is closed

Records show the loss was reported 10/and we spoke with Ms*** updating her in calls we received on 10/23, 10/26, 10/and 11/so her claims that she never spoke with anyone nor was provided with customer service are absolutely without merit. Also as she called nearly every day for
an update the company would have no need to provide an additional update, See file notes documenting the conversations 10/23/ljames Insured CallINSD CALLED TO INQ ABOUT APPRAISALADVISED THAT IT WAS SETUP ON 10/20AND TO ALLOW 5-BUSINESS DAYS TO BE COMPLETED AND REVIEWEDINSDUNDERSTOOD. 10/26/naleman Insured CallINSURED CALLED IN REGARDS TO CLAIMADV EST IN FILEWILL EMAIL ADJ ANDADV ADJ THAT INS WOULD LIKE TO BE CONTACTED. 10/31/*** Insured CallCALL FRM INSD ADVISED ADJ IS RVWING ASKED TO BE TRANS TO SUP 11/01/ljames Call to InsuredCONTACTED INSD TO EXPLAIN NEXT STEPS IN CLAIM PROCESSGAVE INSD INFO OFEST AMOUNT, SUPP PROCESS, RR, AND INSD MENTIONED THAT HER PASSENGER WASINJUREDADVISED INSD TO SEND IN MEDICAL INFO RE INJURY DUE TO AX. As to the claim, we set up Ms*** for inspection with one of our appraisers documented the initial damages and issued payment for those damage to her on 11/02/(which was only business days from notification of the loss). Our office also provided a shop that will fully complete the repairs for the estimate and we will cover any supplements to the shop if there are additional repairs. At this point she just needs to bring in the car so repairs can begin

While Mr*** in certainly entitled to his opinions it does not negate the fact that there is no coverage for the loss and the proper written denials have been issued. At this point our file remains closed

Worst Insurance company everI filed a claim may it's July still haven't heard anythingI keep getting the run around called the adjuster he don't answer I left several message no responseSomeone hit me and run haven't had my car in almost months and they didn't even start repairing

All auto policies and applicable language are approved by each state and are to be compliant with state insurance regulations, public policy etcEvery insurance policy is a contract that contains various conditions as well as exclusions that if applicable can preclude coverage even if that pary had
insurance and was at fault for a lossAt Alliance on each and every loss we immediately send out a written report of the loss to the insured and we can also accept an insured report through our intake department or online 24/on our websiteOn this particular loss, the insured failed to report this matter in a timely manner, cooperate with our investigation and violated a key condition of the policy contractGiven this coverage violation the company properly issued a coverage denial to youWe are sorry for this outcome but we have no control how our policy holders choose to respond when they are involved in a loss

Our records show the matter was reported 11/and we completed documentation of the damages as well as coverage. The damages were approved and a check for the damages was approved on 11/13/2017. While this timeframe may not have met the complainants timetable we believe business days
to resolve a claim is quite expeditious

We are sorry to hear about your unpleasant experience with a damaged vehicle. As with any carrier, it is incumbent upon the insurance company to complete a liability and coverage investigation. Depending on the circumstances its could take a number of varying time-frames for losses to be
resolved

Alliance has checked its records and we have no open claims for Mr*** under this policy ***. If there was a loss he need to report it at *** or online at www.myamericanalliance.com

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

Initial Business Response /* (1000, 5, 2015/09/15) */
Contact Name and Title: Donald *** VP
Contact Phone: XXXXXXXXXX
Contact Email: ***@myamericanalliance.com
Our office took this loss on 08/26/which involves them striking vehicles as well as damage to a property
Before our office can resolve we will need documentation of all related damages as our insured carries a minimum limits policy which may not be enough to cover all the damagesAdditionally, some of the parties are going through their own carrier and we have not received subrogation proofs from those parties as of this dateOnce we have the damages documented from all parties we will extend pro rata offers to all partiesAs to our service we have spoken to the complainant on 08/26,and 09/to advise them of the statusWe will continue to complete our documentation of this loss however, this matter is less than days old and given the number of parties involved it could take some time before we are able to get settlement offers to all the interested parties
Initial Consumer Rebuttal /* (3000, 7, 2015/09/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
called the insurance company for status left messagefellow claimant Alex *** and Jorge *** has called several times with no return phone callsAlex called State Farm (his insurance company) and was told they forward the paperwork and phone calls have not been returnedTomarrow will be a month when the accident ocurred
Final Business Response /* (4000, 9, 2015/09/25) */
Contact Name and Title: Donald ***
Contact Phone: XXX-XXXXXXX
Contact Email: ***@myamericanalliance.com
Our office has no record of any phone calls or voice messages from Alex *** and Jorge *** However, we do possess subrogation proofs from Mr*** and we have contacted State Farm with regard to them sending in proofs on the repairs that were completed on MrIbarra's car as wellIn addition to this, we spoke with Ms*** yesterday and updated her as to the status and we have sent written correspondence to all involved advising them of the statusAt this point, we are still collecting all damages and will then proceed with pro-rata offers to resolve the claims once we have all the estimates and subrogation proofs

Complaint: ***
I am rejecting this response because:After phone calls, email and online claim form - than Revdex.com complaint a Customer Service agent finally called and gave me the name of an adjuster - *** Left messages for herShe has not called back.We have taken the car for estimates at shops - done in an hour.Customer Service Agent told us to take it to their shop for an estimateWe took it there and were told that it would take business days to get an estimate amount.Seriously - an adjuster who wont call - an auto body shop that needs days to figure out how much a repair will cost.How much you want to bet that they will come in at ridiculous amount.This should have been in the shop by now being fixed
Sincerely,
*** ***

Our records show that this matter was reported to us on 06/24/at which time we set our insured up for inspection. The related damage for the initial estimate we found to be under the deductible and the insured was advised of this in writing. Alliance was called by the insured on
07/12/and we were advised that as repairs were started there were additional supplemental hidden damages. We sent on of our staff appraisers out to view and document the additional damages and our office agreed to pay two supplements of $and which were issued on 08/03/2016. Additionally, as we have a shop that would have done these repairs at our rate (as dictated under Title 50) Mr*** (while fully entitled to utilize his shop of choice) would be responsible for any difference in labor rates and parts prices. This resolution was all completed within days of notification of the matter which is well under the months alleged by Mr*** The main issue stems from the fact that after Mr*** damaged the undercarriage he then continued to drive the vehicle which caused internal damage to the valve in cylinder and also broke the cam shaft. This additional damage was subsequent to the accident and was not a direct result of the accident. Given it was due to a subsequent mechanical issue it is specifically excluded from coverage under the policy contract: Exclusions f) to damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure, unless such damage results from a theft covered by this policy; This was fully explained to Mr*** and at this point Alliance will not be covering the additional damages related to the mechanical breakdown of the engine

Ms*** our coverage position regarding your claim submitted on December 5, will not be changed. A condition to afford coverage to your policy was violated, therefore, no coverage exists for your policy