American Independent Insurance Company

This correspondence is in response to the inquiry filed regarding the collections balance Our records indicate that the named insured contacted our customer service office on 08/25/ At that time, the named insured indicated they would provide a copy of their current automobile policy Once we are provided that document, we will adjust the cancellation date for this policy so there is no overlap in coverage Additionally, once the cancellation date has been amended, we will calcualte the new balance or refund that is owed to the insured Sincerely, Customer Service Operations Dept

December 8, 2015Dear [redacted] ***:This letter is in reference to the above-captioned complaint which was received in our office on December 3, What follows is a brief summary of our investigation and the reason for the action taken in regard to this claim.The listed driver on our policy, [redacted] , reported this accident to our company on November 2, [redacted] reported that she had struck a deer while driving the insured vehicle on October The file was reviewed by the adjuster the following business day and an attempt was made to contact [redacted] to discuss.The estimate for [redacted] 's vehicle was received on November with an additional supplement on November However, the same was not reviewed by the adjuster for payment until December when a check had been issued and made payable to [redacted] and her body shop totaling $2,647.95.Please call me if you have any questions or need additional informationI can be reached at ###-###-#### x***.Sincerely, Laura R.Director of Property Claims

August 22, 2014Dear [redacted] ***:This letter is in reference to the above-captioned complaint which was received in our office on August 20, What follows is a brief summary of our investigation and the reason for the action taken in regard to this claim, - [redacted] reported his loss after hours on July 21, The loss was reported with limited information.The file was reviewed the same dayWe contacted Lynnette Young who provided her statement regarding the lossShe stated while she was traveling on [redacted] St, an unknown vehicle exited a side street, struck her vehicle, and fled the sceneAn appraiser was assigned to complete an estimatc[redacted] advised on July she wanted her vehicle taken to a repair shop of her choosing, [redacted] With the supplement included, payment was issued on August 20, in the amount of $1876.75, The tow of $125,was included.Upon receipt of this Complaint, the file was reviewed and payment of the battery replacement has been approvedThe repair shop will be contacted and once the invoice is received, payment will be issued.Please call me if you havc any questions or ncod additional informationI can be reached at ###-###-#### X***-Sincerely,Laura R Claims Manager American Independent Insurance Company

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me However, no refund has been obtained I will proceed with my complaint until the funds are obtained Once obtained, I will close my complaint, cancel my meeting with *** News and remove my [redacted] compliantPlease send me a timetable for the refund Regards, [redacted]

April 13, 2016Dear [redacted] ***:This letter is in reference to the above-captioned complaint which was received in our office on April 6, What follows is a brief summary of our investigation and the reason for the action taken in regard to this claim.The loss was reported by our insured, [redacted] [redacted] , on February 4, [redacted] reported that her vehicle was involved in an auto accident with [redacted] ***, while being operated by the unlisted driver, [redacted] The claim was reviewed and contact was established with [redacted] on February [redacted] confirmed that after proceeding from a stop sign, she was struck by [redacted] *** [redacted] was unable to provide any contact information for [redacted] and a copy of the police report was ordered.On February contact was received from [redacted] and his statement was confirmedOur appraiser then inspected [redacted] ***'s vehicle on February when it was declared a total loss [redacted] was notified about the same on February 25, but contact was still pending from our insured, [redacted] .After making several attempts to contact our insured including the issuance of a reservation of rights, the file was reviewed on March and determined that coverage will be provided for the lossAn offer of 85% was made to [redacted] for final settlement totaling $for his total loss.On April we received notice from [redacted] disputing both our liability decision and our evaluation of his vehicleHe further requested to retain the salvage of the vehicleAfter further review a revised offer was made to [redacted] on April totaling $1,as a final settlementCurrently, we are pending [redacted] ***'s response to the updated offer.Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,Laura R.Director of Property Claims

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: American Independent Insurance Company knows that a vehicle they insure has caused damage to my vehicleNot only have I stated that my vehicle was struck by [redacted] car, but also [redacted] has told American Independent Insurance Company that this has happened [redacted] may not be on [redacted] insurance policy, but [redacted] has informed American Independent Insurance company that his vehicle caused damage to my vehicle so they need to take responsibility and pay for the damage caused to my vehicleThat is what insurance companies do Regards, [redacted] ***

November 11, 2015Dear [redacted] ***:Please allow this letter to serve as a response to the above referenced complaint.Although our investigation revealed that our insured was the proximate cause of the accident, there are multiple property damage claims being presented against the policyThe subject policy provides $5,per-accident of property damage coverageThe total of all the damages is well in excess of the policy, and there is still one demand which has not been submitted yet.Because the total damages are in excess of the policy, American independent will not be able to offer any claimant the full amount of their damagesRather, we will make offers based on a pro-rata division of the policy limits based on the proportion of each claimant's damages in relation to the total amount of damages.Our representative recently spoke with the insurance carrier handling the outstanding property damage claim, and they have informed us that their demand is not yet finalizedOnce we receive the final demand, the available policy limits will be pro-rated, and we will promptly make offers to resolve all the pending property damage claims, including [redacted] s.If I can be of further assistance, or you need any additional information, feel free to contact me at [redacted] , ext ***.Sincerely, Andrew F.Bodily injury Claims Supervisor

December 8, 2015Dear [redacted] ***: This letter is in reference to the above-captioned complaint which was received in our office on December 3, What follows is a brief summary of our investigation and the reason for the action taken in regard to this claimThe listed driver on our policy, [redacted] , reported this accident to our company on November 2, [redacted] reported that she had struck a deer while driving the insured vehicle on October The file was reviewed by the adjuster the following business day and an attempt was made to contact [redacted] to discuss.The estimate for [redacted] 's vehicle was received on November with an additional supplement on November However, the same was not reviewed by the adjuster for payment until December when a check had been issued and made payable to [redacted] and her body shop totaling $2,Please call me if you have any questions or need additional informationI can be reached at ###-###-#### x***Sincerely, Laura RDirector of Property Claims

November 11, 2015Dear [redacted] ***: Please allow this letter to serve as a response to the above referenced complaintAlthough our investigation revealed that our insured was the proximate cause of the accident, there are multiple property damage claims being presented against the policyThe subject policy provides $5,per-accident of property damage coverageThe total of all the damages is well in excess of the policy, and there is still one demand which has not been submitted yetBecause the total damages are in excess of the policy, American independent will not be able to offer any claimant the full amount of their damagesRather, we will make offers based on a pro-rata division of the policy limits based on the proportion of each claimant's damages in relation to the total amount of damagesOur representative recently spoke with the insurance carrier handling the outstanding property damage claim, and they have informed us that their demand is not yet finalizedOnce we receive the final demand, the available policy limits will be pro-rated, and we will promptly make offers to resolve all the pending property damage claims, including [redacted] sIf I can be of further assistance, or you need any additional information, feel free to contact me at [redacted] , ext ***Sincerely, Andrew FBodily injury Claims Supervisor

Dear [redacted] This letter is in reference to the above-captioned complaint which was received in our office on March 27, 2015. What follows is a brief summary of our investigation and the reason or the action taken in regard to this claim. Our named insured [redacted] , and our insured... driver, [redacted] , reported this loss to our office on March 17,2015. It reported while [redacted] was traveling on Island Ave approaching a red light on Bartrum Ave, the other vehicle driver who was in the left lane merged to the right striking our insured's vehicle. When they reported the claim, they listed [redacted] address as being [redacted] which is also our named insured's address listed on his policy. The file was reviewed the same day and contact attempts were made to both [redacted] and [redacted] , [redacted] advised the representative that she was in a meeting and to call back, when representative called back there was no answer. Follow up attempts to contact them both was made on March 19, again with no success. The next day we obtained a recorded statement from [redacted] where he confirmed that [redacted] is his wife. He also confirmed they were married about two months prior and she moved into his home about two weeks ago. She did have his permission to drive the vehicle. An ISO search was completed on [redacted] at this time that also placed her at our named insured's policy address since 2013. There is policy language that states there will no coverage provided for any unlisted household resident operating their insured vehicle. Due to this endorsement, the representative sent [redacted] and [redacted] a reservation of rights letter, citing the specific policy language. [redacted] gave the representative a statement on March 20. She advised she has lived at the policy address for two years. She did confirm they went through a seperation within those two years. The representative then contacted [redacted] . He stated [redacted] did not reside with him, She has been in and out of his residence. [redacted] stated that since she is not listed on the lease she does not live there. He did confirm that she did move back in after they were married. [redacted] then asked to speak with a Supervisor, where he again stated that [redacted] does not legally live with him since she is not listed on his lease, but did again confirm they did get married two months prior and she has been staying with him since. The police report was requested and received. The report confirms [redacted] address as [redacted] ***. The file was reviewed on March 26. It was determined based on the statements provided by [redacted] and [redacted] , along with the ISO search and police report that coverage would not be provided for the loss as [redacted] being an unlisted household resident. Letters were drafted to [redacted] and [redacted] advising them of the coverage denial. I am attaching the following supports for your review; copies of the Coverage Denial letters, ISO search results, and the police report. The related policy language is cited in the Coverage Denial letters.Please call me if you have any questions or need additional information. I can be reached at ###-###-####. Sincerely, Laura [redacted] Claims Manager American Independent Insurance Company

I have left a minimum of messages over a period of almost weeks I have requested to speak to a manager, and just get answering machinesOne of their customers rear ended me, and I need to have the financial side of my repairs handled

July 17, Dear *** ***:This letter is in reference to the above-captioned complaint which was received in our office on July 14, 2014.*** reported this loss to our office on July 1,2014, He reported his vehicle was rear ended while attempting a right turnThe owner
of the striking vehicle was *** ***-***The operator was her son, *** ***.The file was reviewed the same dayDuring the initial coverage review, it was confirmed ***-***’ policy had cancelled effective June 26,A search of the system confirms there were no active policies for ***-*** or *** ***,Letters were mailed to ***-*** and *** on July advising the policy cancelled effective June 26, Due to the cancellation date, coverage will not be provided for the loss.Please call me if you have any questions or need additional informationI can be reached at ###-###-#### X***.Sincerely,

This correspondence is in response to the inquiry filed by the named insured, *** ***.Our records indicate that his automobile policy cancelled due to nonpayment on 08/26/2016. As a courtesy to our customers, we extend a day period to make a payment to reinstate the policy with a
lapse in coverage. Our records indicate that a payment was made through our automated system on 10/01/2016. However, since the payment was received outside of the day window, the payment processed was for the final cancellation balance only and the policy was not reinstatedWe have advised *** *** that we have no records that he or his family member was advised that an additional extension beyond days was available. Once a policy has been cancelled for more than days, we offer the option to speak with our sales office for a quote for a new policy term which requires the payment of the remaining balance and a deposit for the new term. *** *** has already paid the remaining balance, so we will glady refer him to our sales office and provide him a quote for a new policy term.Thank you for the opportunity to address *** ***'s concerns.Sincerely,Good2Go Auto Insurance

February 17, 2017Dear
*** ***:We
are in receipt of the above referenced complaint dated February 15, 2017.
In the complaint you indicate *** *** had concerns with the delays,
service and amount of settlement in regards to his claim.We
strive to keep all of our customers satisfied
and regret that *** *** found our service inadequate. Upon
receipt of this complaint, the supervisor reviewed the file and the issues
brought forth in the complaint and provided the following information as a
response to those issues.After the liability investigation, the
adjuster determined that *** *** was 75% at fault and that *** *** was
25% at fault for the accident*** *** was advised of the liability
decision on January 13, and on January 30, A property damage release
form was sent to *** *** on January 31, and on February 14, Upon
receipt of the completed release form back from *** ***, payment in the
amount of $2041.00, which represents 75% of *** ***’s $total
damages, will be issued.It is the company’s expectation that all
calls are returned either the same day or the next business morning, depending
upon when the message was leftThe supervisor has discussed the importance of
responding to telephone calls with the adjuster and apologizes for any
frustration that *** *** experienced during the handling of his claim.Should
you have questions or comments or require additional information, please feel
free to contact me at the number below.Sincerely,Marianne M.Claims Compliance Manager

This correspondence is in response to the inquiry filed regarding the collections balance. Our records indicate that the named insured contacted our customer service office on 08/25/2015. At that time, the named insured indicated they would provide a copy of their current automobile
policy. Once we are provided that document, we will adjust the cancellation date for this policy so there is no overlap in coverage. Additionally, once the cancellation date has been amended, we will calcualte the new balance or refund that is owed to the insured. Sincerely,Customer Service Operations Dept

Attn; *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ***Dear *** ***This letter is in reference to the above-captioned follow up complaint which was received in our office on July 14, 2014.As previously advised *** *** has not cooperated with our investigation to dateWith no police report or independent witnesscs to confirm the facts of loss, we need to speak with *** *** to confirm the alleged loss factsUnfortunately, *** *** has to datc failed to respond to our attempts at contact,If and when we can discuss this accident claim with *** ***, we will reopen thc investigation promptlyAt this time we are unable to make any payments to *** ***.Pleasc call me if you havc any questions or need additional informationI can be reachcq at *** ***Sincerely,***Laura R*** Claims Manager American Independent Insurance Company

Dear *** ***This letter is in reference to the above-captioned complaint which was received in our office on June 30, 2014,*** ***' insurance carrier, ***, reported this loss to our office on October 1, It was reported *** *** vehicle merged into *** ***' vehicle
The operator of *** *** vehicle was identified as *** *** who is not a listed operator or *** *** policy,The file was reviewed and contact was attempted with *** *** and *** ***Voice mails were left and contact letters mailcd to both parties, *** *** contacted us on October and advised *** *** did have permission to be operating his vehicleHe did not know the facts of lossHe provided a contact number for *** ***After attempting to contact *** ***, thc phonc number was invalidA second voice mail message was left for *** *** on October 4,*** *** was contactcd again on October in order to obtain a valid phone number for *** ***A voice mail was left for himAnother vehicle mail was left for *** ***The same actions took place on October 18.A third attempt to obtain contact information for *** *** took place on October A voice mail was left for *** *** *** provided his statement on October He confirmed *** *** was operating the vehicle that struck his during a lane changeHe confirmed no police were contacted after the accidentHe stated hc was using his collision coverage with *** for the repairs to his vehicle.Contact with *** *** was attemptcd again on October A contact letter was mailed after a voice mail was leftReservation of Rights letters, citing duty to coopcratc and the definition of an insured, were mailed to *** *** and *** *** on Novcmber 6.*** *** was provided with an update on November He stated that he had not utilized his collision Goverage and would send in an estimate that he had obtained.*** *** and *** *** did not respond to the Reservation of Rights lettersAn investigator was assigned on December to attempt face to face contact to obtain a statement regarding facts of lossThe investigator's final report was received on March Contact was made on the second atcmpt with *** *** and he advised he would have *** *** contact us for a statementA follow up call was placed on*** *** ** *** ** *** *** ***March and contact was unable to be madeTo date *** *** has not cooperated with the investigation into this claimWe have not been able to obtain her statementThere is no police report or independent witness to confirm the facts of lossIf and when in the future *** *** provides a statement regarding the facts of loss, we will reopen the investigation promptly, *** *** was advised on March 20.Please call me if you have any questions or nced additional informationI can be reached at ###-###-####,Sincerely,***Laura R*** Claims Manager American Independent Insurance Company

July 17,Dear ***:This letter is in reference to the above-captioned complaint which was received in our office on July 15, What follows is a brief summary of our investigation and the reason for the action taken in regard to this claim.*** reported
this loss to our office on February 20,She reported ***’ vehicle struck hers, causing it to strike a pole, which then snapped m half, falling on her vehicle, **, ***' vehicle continued and struck another vehicleThe driver the *** vehicle fled and abandoned the vehicleAt the time of report, on appraiser was assigned to complete an estimate of ***’s vehicle damages*** did not have the information for the other involved vehicle or owner of the pole.The file was reviewed the following dayA voice mail was left for ***A contact letter was mailed as follow upA contact letter and storage mitigation letter were mailed*** provided her statement later that dayShe confirmed the facts as she had reported themShe advised she did not have full coverage on her vehicleIt wag explained ***’ property damage coverage was $5,and the possibility of prorating damages between all involved partiesThe police report was then ordered.A follow up contact attempt was made to *** on February Another voice mail was left and contact letter mailedThe same day ***’s vehicle was deemed a total loss with an actual cash value of $4,Status of the police report was checked and the report was still pending.The police report was received on March The remaining vehicle and pole information was determinedContact was attempted again with *** and ***, who owned the second vehicleThere was no insurance company information listed for ***.*** provided her statement on March She confirmed she was operating her vehicle at the time of lossThe roads were icy, causing her to strike two parked vehicles and a pole.The file was reviewed on April 16, Contact from *** was pendingSubrogation from *** for the damaged pole was pendingAn ISO search was completed on ***No matches were able to located, *** was provided an update on April 28.A search was completed on ***’s VIN on May 7, which produced no resultsContact was made with *** on May 7, The *** representative confirmed on May their demand will be sent shortly.A letter was mailed to *** on May advising him he had days to contact us or we will proceed towards settlement with the other involved partiesTo date *** has not presented a claim.As of June the demand from *** had not been receivedThe demand was requested again from themTheir demand was received on June 12, in the amount of $4,997.68.*** was contacted on June regarding settlementShe was asked if she wished to turn the vehicle over or retain itShe advised that the vehicle had been salvaged for $with *** *** *** was contacted and confirmed they salvaged the vehicle for $and did not have records or a copy of the vehicle titleOn June they were only able to verbally confirm the vehicle was sold to them and the title was transferred to their nameWritten confirmation was then, requestedThe request was placed again on July The same was received on July 9.The damages were then prorated and property damage releases were mailed to *** and *** on July Once *** returns the completed release, payment will be issued to her in the amount of $2,378.77.Please call me if you have any questions or need additional informationI can be reached at (###-###-####.Sincerely,

Attached is a response in PDF