Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
*** ** *** *** was aware of accident at the time of application and failed to relay message to American Freedom Insurance
This is a follow up regarding the above captioned complaintAs stated in our prior response, the Adjuster confirmed with the Complainant’s agent, *** ** *** ***, that the 11/18/accident was not disclosed, as required.
Had the foregoing information not been misrepresented the Company would not have been accepted the risk, or would have charged a higher premium rate. Consequently, the Company exercised its option to declare the policy null and void based on policy conditions All rights and defenses are reserved and none are waived or invalidated Tell us why here
As stated in our prior response, upon completion of the claim’s investigation the 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 purposesThis was not disclosed on the signed application of insurance and would have required a higher premium rateThe premium owed was calculated from December, which is when the Complainant started to use the vehicle to travel to multiple job locationsPlease be advised that the Complainant was appropriately advised that her policy with American Freedom Insurance Company did not provide rental reimbursement coverageHowever, in a good faith effort to resolve the matter and assist the Complainant an exception was made and a check for days of basic rental was issued to the Complainant
Tell us why here
As stated in previous responses, the Insured’s cooperation as well as documentation from all other parties involved are necessary to evaluate the claim
This complaint is without merit as the Complainant has been 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 /* (1000, 5, 2015/08/10) */
Our investigation disclosed that conflicting and misleading information and documentation was provided to the Company in relation to the claimed lossConsequently, the claim was denied and has been referred to the *** ***
*** *** The denial letter was forwarded to the Complainant Insured
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
Our investigation
disclosed that conflicting and misleading information and documentation was
provided to the Company in relation to the
claimed lossConsequently, the
claim has been referred to the National Insurance Crime Bureau
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
This complaint was filed by a third party Claimant who was involved in an accident with our Insured’s vehicle
Numerous attempts were made to contact the Insured via telephone, regular and certified mail to clarify a coverage concern to no avail
Due to the Insured’s failure to cooperate and clarify a major coverage concern, the claim was appropriately denied based on the Insured’s breach of policy conditions requiring Notice, Assistance and Cooperation This complaint is without merit as the Complainant has been aware of the claim’s status throughout the claim All rights are reserved and none are waived or invalidated
"Arial","sans-serif"; font-size: 12pt;">This is a complaint under a private passenger liability policy filed by the Complainant Claimant; however there was no coverage on the date of loss, 3/2/2016, as the policy canceled 2/10/2016.
The Complainant chose to have the repairs completed through his own insurance carrier, The Hartford. They in turn filed a subrogation claim on behalf of the Complainant with this Company. A letter stating there was no policy of insurance with this Company was properly sent to The Hartford on 3/16/2016.
This complaint is without merit as the Complainant’s carrier has been made aware of the claim’s status.
All rights are reserved and none are waived or invalidated.
As confirmed by the Complainant in the Customer’s Statement of the Problem, the Complainant’s vehicle was allegedly involved in a hit and run and the identity of the driver/owner of the...
alleged hit and run vehicle could not be ascertained. This is specifically excluded from the Uninsured Motorist Coverage with this Company. Consequently, the claim could not be honored and was properly denied. In the complaint the Complainant erroneously stated: “The claims department stop calling me, the claims rep stop answering the phone and my email. Left message on the supervisors line there still has not been a response.” Please note that the Complainant received a response to all contact made with this Company.
All rights and defenses are reserved and none are waived or invalidated.Tell us why here...
As confirmed by the Complainant in the Customer’s Statement of the Problem, the Complainant’s vehicle was stolen when it was left running with keys in the ignition while...
unattended. This is specifically excluded from the policy of insurance with this Company. Consequently, the claim could not be honored and was properly denied. In the complaint the Complainant stated: “…they tell me I didn’t even have rental insurance on a full coverage policy…” Please note that the Complainant did not have rental reimbursement coverage with this Company.
The Complainant also erroneously stated: “…nowhere in my policy it says anything about them denying the claim on anything…” Please note that the policy of insurance contains coverage information, including conditions and exclusions, and specifically addresses under what conditions coverage would be afforded.
All rights and defenses are reserved and none are waived or invalidated.
Our investigation, including a recorded statement, disclosed that the Complainant was involved in an accident on 11/18/2014, which was not disclosed on the application of...
insurance. The application of insurance requires all accidents and/or violations within 36 months prior to the application’s date be disclosed to the Company. Had this information not been misrepresented the Company would not have accepted the risk or would have charged a higher premium rate. Please be advised that the Adjuster confirmed with the Complainant’s agent, [redacted] that no accident and/or violations were disclosed when the policy was purchased.Therefore, this Company exercised its option to declare the policy null and void. The Complainant was advised that the premiums paid are to be returned by the producer Complainant’s agent.
All rights and defenses are reserved and none are waived or invalidated.
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.
Initial Business Response /* (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 rate. Consequently, 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 /* (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 states. They do not have their drivers license! I was the one driving when the accident happened. The 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 me. I'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 work. Now 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 /* (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.
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]
Photos were submitted by the Complainant on 1/3/17, however it must be noted, that to date we have not received any cooperation from our Insured to facilitate a proper investigation of this matter including verification of the identity of the driver and the loss circumstances. This claim was appropriately denied and letters were mailed to the Insured and the Complainant Claimant.
This complaint is without merit as the Complainant was made aware of the claim’s status.
All rights are reserved and none are waived or invalidated.
Tell us why here...
Initial Business Response /* (1000, 5, 2014/02/20) */
Our investigation, including a recorded statement, disclosed that the Complainant was involved in an accident on 08/16/13 and received a traffic violation on 03/26/11 which was not disclosed on the application of insurance. The...
application of insurance requires all accidents and/or violations within 36 months prior to the application's date be disclosed to the Company.
Had this information not been misrepresented the Company would not have accepted the risk or would have charged a higher premium rate.
Therefore, this Company exercised its option to declare the policy null and void.
All rights and defenses are reserved and none are waived or invalidated.
Final Consumer Response /* (3000, 7, 2014/02/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company gave me the run around from the very beginning. They gave several reasons and told lies about not getting the pictures from the body shop, then they said the body shop had the wrong number, then they needed information from the lien holder. The took several statements from me before coming up with a conclusion of me not giving them information from a speeding ticket back in 03/2011 and then a no fault accident in which I was hit from the rear in 08/2013. They just are refusing to cover an obligation and they had my husband driving records but not mine. I don't buy it and feel they should be liable. Had this incident never happened, they would still be collection premium's because they just received on last week. They had already refused to cover my rental which they were only paying $15 a day. They should be held accountable for this awful response they gave.
Final Business Response /* (4000, 9, 2014/03/06) */
The Complainant Insured is correct that our investigation included a recorded a recorded statement from the Complainant who confirmed that she was involved in an accident on 08/16/13 and received a traffic violation on 03/26/11 which was not disclosed on the application of insurance, as required. As stated previously, the policy was properly declared null and void based on the terms and conditions of the contract of insurance.
Initial Business Response /* (1000, 5, 2015/08/13) */
Our investigation, including a recorded statement and vehicle inspection, disclosed that the damages resulted from the Insured driving the vehicle through water. Specifically, despite observing the water the Insured knowingly continued to...
drive through it causing the damages. Please note that this does not meet the definition of "Loss" or "Accident" under the Insured's policy of insurance with this Company. The claim was denied and the denial letter was forwarded to the Insured.
This complaint is without merit as the claim was handled properly and promptly.
All rights and defenses are reserved and none are waived or invalidated.
I purchased a vehicle in April and upon driving off the lot I inquired an insurance policy with this company. I was involved in an accident May 6th and as of June 20th they haven't done much to help me at all. Instead of working for me in the situation they have worked against me. So now I have been paying weekly for a rental car, still paying them, and still paying a monthly car note on my vehicle that I can't drive. They state I will be reimbursed for paying for a rental.....but my vehicle is still sitting in their collision shop a month and a half later and still haven't completed my claim. My adjuster Laura has done nothing but argue with me and side with the other party involved in the accident, including not keeping me in touch with what's happening in my claim. This is the worst experience ever! As soon as this claim is over I'm done with this company period!
This is to reiterate responses under [redacted] which clearly stated the Company’s position. As stated in the previous responses, a settlement offer based on the amount of the Company’s estimate was...
made to the Complainant. The Complainant was informed that he could have the vehicle repaired to his satisfaction for the amount of this Company’s estimate at the Company’s preferred repair facility. The Complainant is in no way obligated to have the vehicle repaired at the Company’s preferred repair facility, however if the Complainant chooses to have the vehicle repaired at another facility, the Company would not be responsible for repair costs which exceed this Company’s estimated cost of repair. While the Complainant had not previously inquired about a rental vehicle, rental reimbursement, if any, would be based on the number of labor hours required to repair the vehicle.Tell us why here...
Initial Business Response /* (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 /* (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 company. As far as settlement I cannot agree on settlement because I have not received any offer from American Freedom. I have called American Freedom several times. Last week on Wednesday 07/02/14 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 resolve. I have resent my medical bills and will resend the passenger bills as soon as I receive them. I have sent bills several times without obtaining a response from American Freedom. I cannot approve of an offer I have not received. Should I send bills to Revdex.com? Can American Freedom make offer through Revdex.com? I would like to request a detailed offer. Thank you for your Assistance.
Final Business Response /* (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 07/18/14. 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.
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
*** ** *** *** was aware of accident at the time of application and failed to relay message to American Freedom Insurance
This is a follow up regarding the above captioned complaintAs stated in our prior response, the Adjuster confirmed with the Complainant’s agent, *** ** *** ***, that the 11/18/accident was not disclosed, as required.
Had the foregoing information not been misrepresented the Company would not have been accepted the risk, or would have charged a higher premium rate. Consequently, the Company exercised its option to declare the policy null and void based on policy conditions All rights and defenses are reserved and none are waived or invalidated Tell us why here
As stated in our prior response, upon completion of the claim’s investigation the 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 purposesThis was not disclosed on the signed application of insurance and would have required a higher premium rateThe premium owed was calculated from December, which is when the Complainant started to use the vehicle to travel to multiple job locationsPlease be advised that the Complainant was appropriately advised that her policy with American Freedom Insurance Company did not provide rental reimbursement coverageHowever, in a good faith effort to resolve the matter and assist the Complainant an exception was made and a check for days of basic rental was issued to the Complainant
Tell us why here
As stated in previous responses, the Insured’s cooperation as well as documentation from all other parties involved are necessary to evaluate the claim
This complaint is without merit as the Complainant has been 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 /* (1000, 5, 2015/08/10) */
Our investigation disclosed that conflicting and misleading information and documentation was provided to the Company in relation to the claimed lossConsequently, the claim was denied and has been referred to the *** ***
*** *** The denial letter was forwarded to the Complainant Insured
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
Our investigation
disclosed that conflicting and misleading information and documentation was
provided to the Company in relation to the
claimed lossConsequently, the
claim has been referred to the National Insurance Crime Bureau
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
This complaint was filed by a third party Claimant who was involved in an accident with our Insured’s vehicle
Numerous attempts were made to contact the Insured via telephone, regular and certified mail to clarify a coverage concern to no avail
Due to the Insured’s failure to cooperate and clarify a major coverage concern, the claim was appropriately denied based on the Insured’s breach of policy conditions requiring Notice, Assistance and Cooperation This complaint is without merit as the Complainant has been aware of the claim’s status throughout the claim All rights are reserved and none are waived or invalidated
"Arial","sans-serif"; font-size: 12pt;">This is a complaint under a private passenger liability policy filed by the Complainant Claimant; however there was no coverage on the date of loss, 3/2/2016, as the policy canceled 2/10/2016.
The Complainant chose to have the repairs completed through his own insurance carrier, The Hartford. They in turn filed a subrogation claim on behalf of the Complainant with this Company. A letter stating there was no policy of insurance with this Company was properly sent to The Hartford on 3/16/2016.
This complaint is without merit as the Complainant’s carrier has been made aware of the claim’s status.
All rights are reserved and none are waived or invalidated.
As confirmed by the Complainant in the Customer’s Statement of the Problem, the Complainant’s vehicle was allegedly involved in a hit and run and the identity of the driver/owner of the...
alleged hit and run vehicle could not be ascertained. This is specifically excluded from the Uninsured Motorist Coverage with this Company. Consequently, the claim could not be honored and was properly denied. In the complaint the Complainant erroneously stated: “The claims department stop calling me, the claims rep stop answering the phone and my email. Left message on the supervisors line there still has not been a response.” Please note that the Complainant received a response to all contact made with this Company.
All rights and defenses are reserved and none are waived or invalidated.Tell us why here...
As confirmed by the Complainant in the Customer’s Statement of the Problem, the Complainant’s vehicle was stolen when it was left running with keys in the ignition while...
unattended. This is specifically excluded from the policy of insurance with this Company. Consequently, the claim could not be honored and was properly denied. In the complaint the Complainant stated: “…they tell me I didn’t even have rental insurance on a full coverage policy…” Please note that the Complainant did not have rental reimbursement coverage with this Company.
The Complainant also erroneously stated: “…nowhere in my policy it says anything about them denying the claim on anything…” Please note that the policy of insurance contains coverage information, including conditions and exclusions, and specifically addresses under what conditions coverage would be afforded.
All rights and defenses are reserved and none are waived or invalidated.
Our investigation, including a recorded statement, disclosed that the Complainant was involved in an accident on 11/18/2014, which was not disclosed on the application of...
insurance. The application of insurance requires all accidents and/or violations within 36 months prior to the application’s date be disclosed to the Company. Had this information not been misrepresented the Company would not have accepted the risk or would have charged a higher premium rate. Please be advised that the Adjuster confirmed with the Complainant’s agent, [redacted] that no accident and/or violations were disclosed when the policy was purchased.Therefore, this Company exercised its option to declare the policy null and void. The Complainant was advised that the premiums paid are to be returned by the producer Complainant’s agent.
All rights and defenses are reserved and none are waived or invalidated.
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.
Initial Business Response /* (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 rate. Consequently, 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 /* (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 states. They do not have their drivers license! I was the one driving when the accident happened. The 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 me. I'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 work. Now 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 /* (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.
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]
Photos were submitted by the Complainant on 1/3/17, however it must be noted, that to date we have not received any cooperation from our Insured to facilitate a proper investigation of this matter including verification of the identity of the driver and the loss circumstances. This claim was appropriately denied and letters were mailed to the Insured and the Complainant Claimant.
This complaint is without merit as the Complainant was made aware of the claim’s status.
All rights are reserved and none are waived or invalidated.
Tell us why here...
Initial Business Response /* (1000, 5, 2014/02/20) */
Our investigation, including a recorded statement, disclosed that the Complainant was involved in an accident on 08/16/13 and received a traffic violation on 03/26/11 which was not disclosed on the application of insurance. The...
application of insurance requires all accidents and/or violations within 36 months prior to the application's date be disclosed to the Company.
Had this information not been misrepresented the Company would not have accepted the risk or would have charged a higher premium rate.
Therefore, this Company exercised its option to declare the policy null and void.
All rights and defenses are reserved and none are waived or invalidated.
Final Consumer Response /* (3000, 7, 2014/02/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The company gave me the run around from the very beginning. They gave several reasons and told lies about not getting the pictures from the body shop, then they said the body shop had the wrong number, then they needed information from the lien holder. The took several statements from me before coming up with a conclusion of me not giving them information from a speeding ticket back in 03/2011 and then a no fault accident in which I was hit from the rear in 08/2013. They just are refusing to cover an obligation and they had my husband driving records but not mine. I don't buy it and feel they should be liable. Had this incident never happened, they would still be collection premium's because they just received on last week. They had already refused to cover my rental which they were only paying $15 a day. They should be held accountable for this awful response they gave.
Final Business Response /* (4000, 9, 2014/03/06) */
The Complainant Insured is correct that our investigation included a recorded a recorded statement from the Complainant who confirmed that she was involved in an accident on 08/16/13 and received a traffic violation on 03/26/11 which was not disclosed on the application of insurance, as required. As stated previously, the policy was properly declared null and void based on the terms and conditions of the contract of insurance.
Initial Business Response /* (1000, 5, 2015/08/13) */
Our investigation, including a recorded statement and vehicle inspection, disclosed that the damages resulted from the Insured driving the vehicle through water. Specifically, despite observing the water the Insured knowingly continued to...
drive through it causing the damages. Please note that this does not meet the definition of "Loss" or "Accident" under the Insured's policy of insurance with this Company. The claim was denied and the denial letter was forwarded to the Insured.
This complaint is without merit as the claim was handled properly and promptly.
All rights and defenses are reserved and none are waived or invalidated.
I purchased a vehicle in April and upon driving off the lot I inquired an insurance policy with this company. I was involved in an accident May 6th and as of June 20th they haven't done much to help me at all. Instead of working for me in the situation they have worked against me. So now I have been paying weekly for a rental car, still paying them, and still paying a monthly car note on my vehicle that I can't drive. They state I will be reimbursed for paying for a rental.....but my vehicle is still sitting in their collision shop a month and a half later and still haven't completed my claim. My adjuster Laura has done nothing but argue with me and side with the other party involved in the accident, including not keeping me in touch with what's happening in my claim. This is the worst experience ever! As soon as this claim is over I'm done with this company period!
This is to reiterate responses under [redacted] which clearly stated the Company’s position. As stated in the previous responses, a settlement offer based on the amount of the Company’s estimate was...
made to the Complainant. The Complainant was informed that he could have the vehicle repaired to his satisfaction for the amount of this Company’s estimate at the Company’s preferred repair facility. The Complainant is in no way obligated to have the vehicle repaired at the Company’s preferred repair facility, however if the Complainant chooses to have the vehicle repaired at another facility, the Company would not be responsible for repair costs which exceed this Company’s estimated cost of repair. While the Complainant had not previously inquired about a rental vehicle, rental reimbursement, if any, would be based on the number of labor hours required to repair the vehicle.Tell us why here...
Initial Business Response /* (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 /* (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 company. As far as settlement I cannot agree on settlement because I have not received any offer from American Freedom. I have called American Freedom several times. Last week on Wednesday 07/02/14 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 resolve. I have resent my medical bills and will resend the passenger bills as soon as I receive them. I have sent bills several times without obtaining a response from American Freedom. I cannot approve of an offer I have not received. Should I send bills to Revdex.com? Can American Freedom make offer through Revdex.com? I would like to request a detailed offer. Thank you for your Assistance.
Final Business Response /* (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 07/18/14. 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.