The Complainant Claimant had already been compensated for the vehicle damages by her own insurance carrier Upon receipt of the Complainant’s insurance carrier’s subrogation proofs the claim was denied due to conflicting and misleading information provided to the Company in relation to the claimed loss The denial letter was forwarded to the Complainant Claimant’s Insurance Company since they had made payment to repair the Complainant’s vehicle The claim was handled properly and the Complainant was aware of the related investigation necessary to conclude the matter All rights and defenses are reserved and none are waived or invalidated
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is somewhat satisfactory to me My complaint was that they weren't communicating with me Now they have offered less money that it costs to fix the problem They say they are reviewing it So on this issue, I am satisfied It is possible I file another complaint about communication or the way they handle the case But for now, I am happy that there is at least a dialogue Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2014/07/01) */ Please be advised that upon completion of the investigation of coverage issues relative to the Complainant Insured's marital status and an undisclosed accident, a settlement offer was forwarded to the Complainant for the value of her vehicle less the applicable deductions for the deductible, premium difference due for the undisclosed accident and advance towing and storage charges In response to the Complainant's Medical Payments claim, please be advised that the Complainant Insured and the passenger (also an Insured on the policy) were advised that their Medical Payments claim could be properly evaluated upon receipt of all their medical bills and records due to this loss Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/07/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with deducting towing and storage fees from settlement, this charges should be covered by insurance companyAs far as settlement I cannot agree on settlement because I have not received any offer from American FreedomI have called American Freedom several timesLast week on Wednesday 07/02/my agents office(Silvana) was told by American Freedom, that the case was in upper managements hands, that their response could take up to a month to resolveI have resent my medical bills and will resend the passenger bills as soon as I receive themI have sent bills several times without obtaining a response from American FreedomI cannot approve of an offer I have not receivedShould I send bills to Revdex.com? Can American Freedom make offer through Revdex.com? I would like to request a detailed offerThank you for your Assistance Final Business Response / [redacted] (4000, 9, 2014/07/21) */ As stated previously the settlement offer was forwarded to the Complainant via regular mail and again to the Complainant's agent via facsimile on 07/18/Please note that the deductions made from the settlement offer, including the excessive advance towing and storage charges, were in accordance with policy terms and conditions
Initial Business Response / [redacted] (1000, 5, 2014/04/25) */ Our investigation disclosed that the loss vehicle was also being driven by the Complainant's teenage sons, [redacted] (age 17) and [redacted] (age 15), both resident drivers and regular operators of the loss vehicle, which was not disclosed on the signed application of insurance and whose inclusion in the policy would have required a higher rateConsequently, repairs to the Complainant's vehicle were authorized less the applicable deductions for the premium difference due for the undisclosed teenage drivers and the deductible In addition, a check for the maximum rental reimbursement allowed under the policy was forwarded to the Complainant prior to receipt of this complaint Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/04/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I definitely do not agree, because my sons did not drive my vehicle like American Freedom statesThey do not have their drivers license! I was the one driving when the accident happenedThe insurance took more than a month to find an excuse to find fault in my children because they don't have information on the other vehicle that crashed my car because it took off! All they are trying to do is screw me instead of helping meI'm paying insurance and making car payments on that vehicle that is parked at the body shop they send me to since February....now is that legal too? Also, I had to pay out of my own pocket for a car rental for more than two months because I didn't have a ride to workNow was I reimbursed all that amount...certainly not! Seems to me that I'm taken advantage of because I'm a single mother and because I'm hispanic Final Business Response / [redacted] (4000, 9, 2014/05/06) */ Contrary to what the Complainant Insured stated in the complaint, it was disclosed in a RECORDED STATEMENT, that the loss vehicle was also used and being driven by the Complainant's teenage sons, [redacted] (age 17) and [redacted] (age 15), both resident drivers and regular operators of the loss vehicle, which was not disclosed on the signed application of insurance and whose inclusion in the policy would have required a higher rate The Complainant's allegations that she is being taken advantage of because she's a "single mother" and "hispanic" are totally false, disparaging and completely unfounded
This complaint was filed by a third party Complainant 0pt;"> Liability could not be accepted and the claim was denied as our investigation disclosed that the Complainant failed to maintain a proper lookout and rear ended our Insured’s stopped vehicle The Complainant is correct in that he was informed that we were also investigating a coverage concern All rights and defenses are reserved and none are waived or invalidated
This complaint was filed by a third party Claimant who was involved in an accident with our Insured’s vehicleThe driver’s name and facts of loss were not provided in the [redacted] Police Department Incident Report As confirmed by the Complainant, numerous attempts were made to contact the Insured via telephone, regular and certified mail to verify the driver of the loss vehicle and the loss circumstances, however all were to no avail At this time, we are not in a position to process this claim due to the Insured’s failure to cooperate and provide necessary claim informationAt no time was the Claimant advised that the claim would be closed in eight (8) days or “oh well! that one of our insurer hit you we caint get her to response” This complaint is without merit as the Complainant was made aware of the claim’s status throughout the claim All rights are reserved and none are waived or invalidated Tell us why here
Initial Business Response / [redacted] (1000, 5, 2014/02/26) */ Please be advised that despite the fact that all the requested documents were not received, repairs for Complainant Insured's vehicle were authorized at a preferred body shop on 02/05/14, less than one (1) month after the lossOn 02/17/the body shop submitted a supplement for the repairs which were also promptly authorizedThis complaint is completely without merit as there was no delay attributable to this Company
As previously stated, the claim was denied due to conflicting and misleading information provided to the Company in relation to the claimed loss and no coverage or payment can be made to the Complainant or her insurance carrier The denial letter was forwarded to the Complainant Claimant’s insurance company since they had made payment to repair the Complainant’s vehicle and has represented her in a subrogation claim The claim was handled properly and the Complainant has been aware of the Company’s position All rights and defenses are reserved and none are waived or invalidated
Upon completion of our investigation, a settlement offer for the full amount of the damages claimed was made to the Complainant Upon receipt of the signed release a check will be issued to conclude this matter
American Freedom Insurance is the worst company I've ever dealt withOn October of this year my legally parked car was hit by a motorist insured with American Freedom InsuranceI wasn't in the carI called the police who issued the motorist a citationI then called my insurance company [redacted] ) who advised me that I would have to pay a deductible ($1,000) if I filed a formal complaint with [redacted] I then decided to contact American Freedom Insurance, and that's when all of my problems beganI received nothing but stalling and poor service from the claims adjusterHe didn't return my calls or my e-mailsI had to initiate the callsTheir appraiser came out to check my car for damages on 10-After leaving messages for the adjuster, I was finally able to reach him on 10-17, and he told me that the pictures and notes taken by the appraiser were still under reviewHe said the appraiser’s information needed to be double checked and that he wouldn’t accept the results of his own agentHowever, he didn’t tell me another appraiser would come out to examine my carI told him that it was unbelievable that he would doubt the reliability of his own agentHe also said his company needed to determine liability for the accidentHis client hit a car that was legally parked on the street, which is noted on the crash reportThis was a one-person accidentWhose fault could it be but the motorist plus the motorist admitted that he was solely responsibleThis was simply a stalling technique and an attempt to avoid paying me money for the repair or loss of my carFinally, on 10-I decided to contact my own insurance company and file a formal complaintBy 11-their appraiser had examined my car, declared it totaled, and I received a check for the loss of the carSo in less than two weeks [redacted] was able to do what American Freedom Insurance wasn't able to do in a monthAmerican Freedom Insurance authorized my use of a rental car, and I returned it on 10-I then sent a letter to them asking for reimbursement of the amount I paid for the rental car by 11-11, or I would sue their client in Small Claims CourtBased on past performance from this company, I don't think I will receive any moneySo, I guess I will be off to file the suit next weekAmerican Freedom Insurance should not be allowed to have an insurance licenseThe company is irresponsible and incapable of dealing with people honestlyI will be contacting the Revdex.com, the Illinois Insurance Board, and any other agency that I think will censure them and keep them from doing business again with anybody
I got insurance tyre SAVE A LOT AUTO in PEORIA ILLINOIS unfortunately they paired me 38th these yahoosOn Nov 1st I noticed damage to myself vehicle, reported it to police, reported it to American freedom and guess what months later they descide to tell me that myself vehicle is a piece of crap (their words) and for all they k is the damage could have already been thereFirst off myself truck is a (so a little older) it only has minimum rust spots around the wheel wales2nd there was NO scratches on it before this event so I would not day that's a piece of crapSerine as it drives EXTREMLY well and looks as good as it does for being years Old is day this company just does NOT want to do their job
Repairs to the Complainant’s vehicle were authorized less applicable deductions, including premium owed due to the usage of the vehicle for what qualified as business/occupational purposes this was not disclosed on the signed application of insurance and would have required a higher premium rate The Insured had been informed that she can have the vehicle repaired at one of the Company’s preferred body shops or a body shop of her choice per the Company’s agreed price
Complaint: [redacted] I am rejecting this response because: AMERICAN freedom is lying, no denial letter has been sent to my insurance companyWas told that today by my insurance company when inquiring about this "misinformation" you claim to have received from my insurance companyPer [redacted] at your company claim was denied because your insured failed to give you information regarding the owner of the carYet again not my faultNor any part of my insurance companiesAnything to avoid paying Sincerely, [redacted]
The Complainant Claimant had already been compensated for the vehicle damages by her own insurance carrier Upon receipt of the Complainant’s insurance carrier’s subrogation proofs the claim was denied due to conflicting and misleading information provided to the Company in relation to the claimed loss The denial letter was forwarded to the Complainant Claimant’s Insurance Company since they had made payment to repair the Complainant’s vehicle The claim was handled properly and the Complainant was aware of the related investigation necessary to conclude the matter All rights and defenses are reserved and none are waived or invalidated
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is somewhat satisfactory to me My complaint was that they weren't communicating with me Now they have offered less money that it costs to fix the problem They say they are reviewing it So on this issue, I am satisfied It is possible I file another complaint about communication or the way they handle the case But for now, I am happy that there is at least a dialogue Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2014/07/01) */ Please be advised that upon completion of the investigation of coverage issues relative to the Complainant Insured's marital status and an undisclosed accident, a settlement offer was forwarded to the Complainant for the value of her vehicle less the applicable deductions for the deductible, premium difference due for the undisclosed accident and advance towing and storage charges In response to the Complainant's Medical Payments claim, please be advised that the Complainant Insured and the passenger (also an Insured on the policy) were advised that their Medical Payments claim could be properly evaluated upon receipt of all their medical bills and records due to this loss Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/07/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not agree with deducting towing and storage fees from settlement, this charges should be covered by insurance companyAs far as settlement I cannot agree on settlement because I have not received any offer from American FreedomI have called American Freedom several timesLast week on Wednesday 07/02/my agents office(Silvana) was told by American Freedom, that the case was in upper managements hands, that their response could take up to a month to resolveI have resent my medical bills and will resend the passenger bills as soon as I receive themI have sent bills several times without obtaining a response from American FreedomI cannot approve of an offer I have not receivedShould I send bills to Revdex.com? Can American Freedom make offer through Revdex.com? I would like to request a detailed offerThank you for your Assistance Final Business Response / [redacted] (4000, 9, 2014/07/21) */ As stated previously the settlement offer was forwarded to the Complainant via regular mail and again to the Complainant's agent via facsimile on 07/18/Please note that the deductions made from the settlement offer, including the excessive advance towing and storage charges, were in accordance with policy terms and conditions
Initial Business Response / [redacted] (1000, 5, 2014/04/25) */ Our investigation disclosed that the loss vehicle was also being driven by the Complainant's teenage sons, [redacted] (age 17) and [redacted] (age 15), both resident drivers and regular operators of the loss vehicle, which was not disclosed on the signed application of insurance and whose inclusion in the policy would have required a higher rateConsequently, repairs to the Complainant's vehicle were authorized less the applicable deductions for the premium difference due for the undisclosed teenage drivers and the deductible In addition, a check for the maximum rental reimbursement allowed under the policy was forwarded to the Complainant prior to receipt of this complaint Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/04/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I definitely do not agree, because my sons did not drive my vehicle like American Freedom statesThey do not have their drivers license! I was the one driving when the accident happenedThe insurance took more than a month to find an excuse to find fault in my children because they don't have information on the other vehicle that crashed my car because it took off! All they are trying to do is screw me instead of helping meI'm paying insurance and making car payments on that vehicle that is parked at the body shop they send me to since February....now is that legal too? Also, I had to pay out of my own pocket for a car rental for more than two months because I didn't have a ride to workNow was I reimbursed all that amount...certainly not! Seems to me that I'm taken advantage of because I'm a single mother and because I'm hispanic Final Business Response / [redacted] (4000, 9, 2014/05/06) */ Contrary to what the Complainant Insured stated in the complaint, it was disclosed in a RECORDED STATEMENT, that the loss vehicle was also used and being driven by the Complainant's teenage sons, [redacted] (age 17) and [redacted] (age 15), both resident drivers and regular operators of the loss vehicle, which was not disclosed on the signed application of insurance and whose inclusion in the policy would have required a higher rate The Complainant's allegations that she is being taken advantage of because she's a "single mother" and "hispanic" are totally false, disparaging and completely unfounded
This complaint was filed by a third party Complainant 0pt;"> Liability could not be accepted and the claim was denied as our investigation disclosed that the Complainant failed to maintain a proper lookout and rear ended our Insured’s stopped vehicle The Complainant is correct in that he was informed that we were also investigating a coverage concern All rights and defenses are reserved and none are waived or invalidated
This complaint was filed by a third party Claimant who was involved in an accident with our Insured’s vehicleThe driver’s name and facts of loss were not provided in the [redacted] Police Department Incident Report As confirmed by the Complainant, numerous attempts were made to contact the Insured via telephone, regular and certified mail to verify the driver of the loss vehicle and the loss circumstances, however all were to no avail At this time, we are not in a position to process this claim due to the Insured’s failure to cooperate and provide necessary claim informationAt no time was the Claimant advised that the claim would be closed in eight (8) days or “oh well! that one of our insurer hit you we caint get her to response” This complaint is without merit as the Complainant was made aware of the claim’s status throughout the claim All rights are reserved and none are waived or invalidated Tell us why here
Initial Business Response / [redacted] (1000, 5, 2014/02/26) */ Please be advised that despite the fact that all the requested documents were not received, repairs for Complainant Insured's vehicle were authorized at a preferred body shop on 02/05/14, less than one (1) month after the lossOn 02/17/the body shop submitted a supplement for the repairs which were also promptly authorizedThis complaint is completely without merit as there was no delay attributable to this Company
As previously stated, the claim was denied due to conflicting and misleading information provided to the Company in relation to the claimed loss and no coverage or payment can be made to the Complainant or her insurance carrier The denial letter was forwarded to the Complainant Claimant’s insurance company since they had made payment to repair the Complainant’s vehicle and has represented her in a subrogation claim The claim was handled properly and the Complainant has been aware of the Company’s position All rights and defenses are reserved and none are waived or invalidated
Upon completion of our investigation, a settlement offer for the full amount of the damages claimed was made to the Complainant Upon receipt of the signed release a check will be issued to conclude this matter
American Freedom Insurance is the worst company I've ever dealt withOn October of this year my legally parked car was hit by a motorist insured with American Freedom InsuranceI wasn't in the carI called the police who issued the motorist a citationI then called my insurance company [redacted] ) who advised me that I would have to pay a deductible ($1,000) if I filed a formal complaint with [redacted] I then decided to contact American Freedom Insurance, and that's when all of my problems beganI received nothing but stalling and poor service from the claims adjusterHe didn't return my calls or my e-mailsI had to initiate the callsTheir appraiser came out to check my car for damages on 10-After leaving messages for the adjuster, I was finally able to reach him on 10-17, and he told me that the pictures and notes taken by the appraiser were still under reviewHe said the appraiser’s information needed to be double checked and that he wouldn’t accept the results of his own agentHowever, he didn’t tell me another appraiser would come out to examine my carI told him that it was unbelievable that he would doubt the reliability of his own agentHe also said his company needed to determine liability for the accidentHis client hit a car that was legally parked on the street, which is noted on the crash reportThis was a one-person accidentWhose fault could it be but the motorist plus the motorist admitted that he was solely responsibleThis was simply a stalling technique and an attempt to avoid paying me money for the repair or loss of my carFinally, on 10-I decided to contact my own insurance company and file a formal complaintBy 11-their appraiser had examined my car, declared it totaled, and I received a check for the loss of the carSo in less than two weeks [redacted] was able to do what American Freedom Insurance wasn't able to do in a monthAmerican Freedom Insurance authorized my use of a rental car, and I returned it on 10-I then sent a letter to them asking for reimbursement of the amount I paid for the rental car by 11-11, or I would sue their client in Small Claims CourtBased on past performance from this company, I don't think I will receive any moneySo, I guess I will be off to file the suit next weekAmerican Freedom Insurance should not be allowed to have an insurance licenseThe company is irresponsible and incapable of dealing with people honestlyI will be contacting the Revdex.com, the Illinois Insurance Board, and any other agency that I think will censure them and keep them from doing business again with anybody
I got insurance tyre SAVE A LOT AUTO in PEORIA ILLINOIS unfortunately they paired me 38th these yahoosOn Nov 1st I noticed damage to myself vehicle, reported it to police, reported it to American freedom and guess what months later they descide to tell me that myself vehicle is a piece of crap (their words) and for all they k is the damage could have already been thereFirst off myself truck is a (so a little older) it only has minimum rust spots around the wheel wales2nd there was NO scratches on it before this event so I would not day that's a piece of crapSerine as it drives EXTREMLY well and looks as good as it does for being years Old is day this company just does NOT want to do their job
Repairs to the Complainant’s vehicle were authorized less applicable deductions, including premium owed due to the usage of the vehicle for what qualified as business/occupational purposes this was not disclosed on the signed application of insurance and would have required a higher premium rate The Insured had been informed that she can have the vehicle repaired at one of the Company’s preferred body shops or a body shop of her choice per the Company’s agreed price
Complaint: [redacted] I am rejecting this response because: AMERICAN freedom is lying, no denial letter has been sent to my insurance companyWas told that today by my insurance company when inquiring about this "misinformation" you claim to have received from my insurance companyPer [redacted] at your company claim was denied because your insured failed to give you information regarding the owner of the carYet again not my faultNor any part of my insurance companiesAnything to avoid paying Sincerely, [redacted]