Ameriprise Auto & Home Insurance

Review: My husband and I have had vehicle insurance through the company listed for about 6 to 7 months without any issues, today we called to get a quote on how much it would be to add our 16 year old daughter that just recently moved in with us on Monday the 19th, all I asked for was a quote because we weren't sure if we would be getting insurance on her through this company or through another company, the first gentlemen I spoke to ( I didn't get his name) automatically activated her to be on our insurance and didn't even provide me with a quote, then he proceeded to say that I would have to call back with our current Costco membership number because it shows that we no longer had a membership, which we do and the number has never changed, he also told me that he couldn't give me a quote without our daughters drivers license number and that if I don't call back with in 5 days to give it to him (whether I had a quoted price or not) he would automatically cancel our auto insurance and we would no longer be covered, I was appalled at how I, a customer, was treated by him, he was very rude, I then told him I don't even know if I am going to insure our daughter through this company so how can you do that, he insisted that I call back and then I wont be cancelled, I hung up the phone and I was so upset, I called my husband and explained what just happened and he too was shocked that a company can do that. He called the company shortly after hanging up with me and he spoke to a supervisor and told her what had happened and she said that was their policy and even without us agreeing with the quote she added our daughter to our bill and said if we didn't not pay $300 and something dollars (I don't have the exact quote because it was never given) by our due date of 2-28-15 then we would be canceled and we would also have to pay the pro rated amount because of the billing cycle.Desired Settlement: We will be going to a different insurance company and I would like a refund of the current month and all charges added for our daughter to be taken off the bill

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received onJanuary 21,2015. We understand that she expressed concerns regarding the addition of her daughter toher policy. We appreciate the opportunity to address this concern.On January 21,2015, Ms. [redacted] requested a quote if she added her daughter, [redacted], to the policy.During the quote process, we confinned that [redacted] resides in the household, had a valid driver's licenseand does not have other insurance. We informed Ms. [redacted] that because her daughter has a validdriver's license, has access to the insured vehicles, and is not insured on another policy, we need to listher as an active driver. In the event of an accident, [redacted] would be afforded coverage under the policy,and we need to collect the appropriate premium for the risk we are insuring.Later that day, Mr. [redacted] called to discuss how we can require them to add someone to their policy.We explained that that our policy covers anyone related to them who lives in the household and does nothave other insurance. Because of this, we require all licensed drivers who do not have coverage withanother company to be added to the policy. We informed Mr. [redacted] that if [redacted] obtains coveragewith another insurance company, we can review the removal of her from the policy.For your reference, our " insured person" guideline includes the following:We will pay damages for which an insured person is legally liable because of bodily injury orproperty damage resulting from the ownership, maintenance or use of a car or utility trailer. Aninsured person means: you or a relative; a person using your insured car. A relative is defined asa person living in your household and related to you by blood, marriage or adoption, including award or foster child.If the [redacted]s can submit either of the following items, we can review the removal of their daughterfrom the policy:• Proof of insurance from another company in the form of a declarations page showing that [redacted]has Bodily Injury limits equal to or greater than their policy's Bodily Injury limits.• Proof of residency in the form of a recent mortgage bill, property tax bill or lease agreement.Once we receive and approve that infonnation, we will provide a prorated credit from the date [redacted]obtained other insurance or moved out of the residence.We regret that Mr. and Ms. [redacted] felt the information related to the addition of their daughter to thepolicy was not conveyed with the appropriate care, because we pride ourselves on the outstanding servicewe provide to our clients. While our representatives must occasionally take challenging phone calls anddeliver difficult messages, they receive extensive training that teaches them to do so with the utmostrespect and concern. We will review this case and take the feedback into consideration to possiblyenhance that traitung to improve future conversations.If You have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Business

Response:

Thank you for sending the follow-up complaint filed by Ms. [redacted] , which wereceived on January 26, 2015 . We appreciate the opportunity to address her additional concerns.We require all household members with a driver's license to be listed on our insured 's automobile policy,unless those household members have their own vehicles and carry automobile insurance that meetsspecified limits. We do not need permission from our insureds to apply this requirement to a policy.It is designed so our insureds have adequate protection in the event of a loss and that we are providingrates that correctly correspond to the level of exposure and risk to the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Consumer

Response:

I am only accepting this because I don't want to go back and fourth with this, I am not happy and will never recommend this company to anyone, I understand Companies have policies but this one this one is absurd. 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.

I have been driving for more then 30 years, and have had dealings with multiple auto insurance companies over time. These companies have included All State, Farmers, State Farm. This is my first dealing with Ameriprise and I have to say I have never had such a bad experience in my life. We were rear ended by a car couple months ago. The other driver's insurance company accepted fault, but we thought it would be better for us to go with our own insurance. Unfortunately, our car was declared total loss and we have yet to get a resolution on our claim though it has been two months. Response from Ameriprise is very slow, their total loss adjustment agents are rude and do not believe in customer service. I am looking to get this issue settled so I can move to another insurance company. I would definitely advise anyone I know to stay away from them.

Bar none, the worst experience I have ever encountered with an auto insurer. I came to them through Costco's program, and I really have no idea why a reputable business like Costco has a relationship with an insurer like Ameriprise. Ameriprise cancelled my policy, most likely in violation of the Texas Insurance Code, because I could not provide them proof of insurance for people that I no longer lived with, never drove any of my vehicles, and never were insured through Ameriprise.
I tried explaining the situation to their customer service representatives on multiple occasions, to no avail, and only deal with snark and unprofessional conduct from their side. Ameriprise definitely has the wrong people as the face of their business; their customer service reps should be relegated to back office functions, far away from any actual customers.
Reasoning with these people is useless, I asked many times why they needed this information. Each time I was met with evasive and non-transparent answers. They had access to my full driving history, my insurance history, and the like, why do they need that information for non-drivers of my car living at another address? They only reasonable explanation is marketing; they want to haunt these people with advertisements.
The kicker, of course, is that I fully paid for the policy they cancelled upfront, and of course, as of the day of cancellation, the kept the rest of the premium, with no explanation of when it was to refunded. These acts are indicative of a company that runs cons and defrauds its customers, and I would certainly never recommend that anyone do business with them under any context. I can only imagine what the claims process with them would be like. All I can guess based on how they treat their customers, is that they'll [redacted] you.

We filed a claim for the first time ever in the history of owning a home. We had a refridgator leak water, within a couple of hours we turned off the water to the refridgator, and dried up the water. Turns out 6 months down the road our floor tiles start cracking, and our floor is bending. Ameriprise sent somebody over they took pictures, and flat out denied out claim. Their reasoning this was "rotting". They mentioned they would have covered the damage if we called right away. The damage didn't seem major at the time, and ok so if they would have covered it than, give me some type of compensation for what the damage would have been at that time, but of course they didnt't offer this. My house was built in 2001, it isn't rotting. There is no way we could have discovered the damage without ripping out our floor and tiles. What is the point of having home owners insurance, if they just flat out deny claims? Regardless, this company just wants premiums to come in, and has a million excuses not to pay claims. I will be switching companies asap, and would recommend people to stay away from this company, they will not be there for you when you need to file a claim, but will happily accept premiums.

I had AAA for 3 years then I moved to Costco programme and bought their Auto Insurance and within first 6 months they have increased rate to a whooping 80% by giving example of accident (which was there from 2011 and I moved to them with lower quote in 2013!)They just want customers from other company and then they increase the rates in next renewals , also their auto programme dealers could not match up my regular dealer price which they claim should have been less by 15% then what my dealer quoted to me!!!

Review: Home insurace coverage caneled. Had home insurance coverage since 05-2010 to present. Ameripriseinsurance wants to cancel us for stated reasons. Date of loss 04-17-2013 type of loss Hail damage. This has been the only claim filed on Ameriprise insurance co. Also here it is 2 yrs after claim and they want to cancel our home insurance. They also state due to credit report. We my wife & I did a loan cconsolidation. We did not file foreclosed or bankruptcy. Plus we never was late or missed a home insurance payment nor ever late on our house payment. They state as of 05-31-2015 we will no longer have home insurance. Letter sent to us 04-15-2015 just received letter today 04-20-2015.Desired Settlement: Ameriprise insurance not to cancel our home insurance policy.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on April 21 ,2015.We understand that he has questions regarding his home policy cancellation. We appreciate theopportunity to address his concerns.On April 14, 2015, we scheduled Mr. [redacted]'s home policy to non-renew effective May 31, 2015. Whilewe acknowledge the hail damage claim that occurred on April 17, 2013, is two years old, it is still aconsideration during our review, as is a credit-based insurance score that does not meet our guidelines.In response to Mr. [redacted]'s complaint, we conducted another policy review. Regrettably, we are unableto continue coverage, and respectfully maintain our policy non-renewal.If you have any questions about this information, you may contact me at I ###-###-#### , Ext. [redacted].

Review: I HAVE A SECOND POLICY THRU LIBERITY MUTAL AND THEY HAVE SINCE PAID THIEIR PORTION OF THE CLAIMWHICH IS ROUGHLY 8 PERCENT LEAVING AMERIORISE THE BULK OF THE CLAIM

LIBERITY MUTAL WENT THRU THE SAME INVESTIGATIVE PROCEDURES AND PAID

WHICH PROVES THAT AMERIORISE IS ACTING IN BAD FAITH BY NOT PAYING

AMERIPRSE SEND SOUT SEVERAL DIFFERNET ESIMATORS AND THE AMERIPRISE ADJUSTER INFLUENCES THEM BY INSTRUCTING THEM WHAT TO INCLUDE AND WHAT TO EXCLUDE

I DISAGREE WITH THIS AS ESTIMATOR SHOULD BE ALLOWED TO WRITE WHAT THEY SEE AS FAR AS DAMAGEDesired Settlement: process claim and pay the claim

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on May 13,2014. We

understand that he feels we are acting in bad faith by not paying his claim . We appreciate the opportunity

to address his concerns.

In his complaint, Mr. [redacted] states [redacted] Insurance Company has paid their portion of the claim

and, because we have yet to do so, we are acting in bad faith. This is not the case. Instead, [redacted]

may not have the same claims handling processes as we do, resulting in the different payment timeframes.

Mr. [redacted] reported that personal items were stolen during an act of vandalism to his property. In order to

process his claim, and in accordance with policy language that defines a homeowner's duties in losses

like this, we requested supporting documentation from Mr. [redacted]. To date, we have only received a few

paid receipts for the stolen items, and we are currently issuing payment to Mr. [redacted] for those items.

Should Mr. [redacted] provide us with similar documentation for the balance of the stolen items, we remain

willing to pay him for the loss.

Regarding the vandalism, Mr. [redacted] hired a public adjuster as his representative. We are working with

this individual to move the claim forward. We must validate any estimates to be fair, reasonable and

within industry standards. We have validated estimates on the structure portion of the claim and are

currently processing the supplemental payment.

We understand that Mr. [redacted] is frustrated with the length of time it is taking to resolve this claim . It is

always our intention to handle all claims efficiently, and we regret that he feels there is undue delay. We

look forward to resolving this claim once we receive the required documentation necessary.

Review: I would like to ask assistance & help from your good bureau/office due to my Home insurance company is giving me a hard time and its difficult situation during this inconvenient time of my family. On August 2,2013 Friday.The Burglars broke in my house an stole my valuables,jewelry and TV during daytime.My alarm ADT is armed and called the Police,but police responded late and the suspects fled and took my items.Thank you God,no one is hurt in my family and I'm very confident that this inconvenient time of my family my insurance is giving support and good services.Since our home is insured. We declared my property lost and damage to my home insurance with police case.no.[redacted].Im very confident that this difficult and inconvenient time of my family insurance is repair my home interior doors and replace my valuables. We felt like this time it's hard to deal with our insurance and because we cannot speak and write a better English maybe it's hard to us deal with our insurance co."Ameriprise Auto & Home Ins....Please help us and thank you very much for helping the consumers like us...More power and GOD BLESS AMERICA!!!Desired Settlement: Repair my broken interior doors and replace our stolen valuables.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Mr. [redacted], which we received on August 12,

201 3. We understand that Mr. [redacted] feels miscommunication may have occurred between him and

the adjuster. We appreciate the opportunity to address Mr. [redacted]'s concerns.

The claim was reported to us on August 2, 2013, at 6: 14 p. m., Central time, which is after normal

business hours. On August 5, 2013, we contacted Mr. [redacted] to verify the facts of the loss and review

our claims process with him. On that same date, we also mailed the expectations letter to Mr. [redacted] at

the address on file.

On August 8, 201 3, Mr. [redacted] called us at 8:05 p. m., which again fell after our normal business

hours. We returned his call on August 9, 201 3, at 11:15 a.m., Central time, and left a message verifying

the claims paperwork had been mailed.

On August 12, 2013, we spoke with Mr. [redacted] and reiterated our claims process. We also requested he

send us repair invo ices from his contractor relative to the door damage, and the completed personal

property worksheet. Once Mr. [redacted] provides the requested documentation, we can review, process,

and move toward successful resolution of the claim.

If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Sincerely,

Division Manage Homeowners Claims

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

Consumer

Response:

Review: On April 10 Myself and two neighbors were sitting on my lawn when my neighbor from across the street backed out of her driveway and hit my car. She did not stop and she took off out of the neighborhood only to return about 3hrs later. On April 15th I finally received her insurance information. I talk to [redacted] to file a claim. [redacted] informed me that since I was parked near a fire hydrant they are only responsible for 80% and I am responsible for 20% because it is my fault that I parked near a fire hydrant. In my residential neighborhood we have no curb or gutter the area is not painted red. It is also about 6 feet up in my yard on the border of my property behind a huge bush. I was about 5-6 feet from the fire hydrant. In UT on slcgov.com web site it states that you measure from the middle of the hydrant and it is 5 feet from either side. I was within that! [redacted] Said that since I was parked by a hydrant her client I guess has the right to hit me and not be 100% responsible. I believe that all drivers have the duty to maintain control of their vehicle, be aware of their surroundings and avoid any potential hazards(PARKED CARS) on the roadway. I need help with my claim of 763.13 Their Client Is 100% responsible. This has been going on for weeks tons of phone calls and emails, it is time this ends.Desired Settlement: I want this claim done fairly and paid 100%. No one has the right to hit another car no mater were it is parked at.

Business

Response:

Thank you for sending the complaint filed by Ms. Bobbi [redacted], which we received on April 29, 2014. We

understand that she disagrees with our determination of liability. We appreciate the opportunity to address

her concerns.

In our investigation of this loss, we obtained statements from our insured, Ms. [redacted]. We also

spoke with Ms. [redacted], and we contacted both witnesses to the accident.

Ms. [redacted]'s vehicle was parked on the roadway in front of a fire hydrant. Ms. [redacted] backed out of her

driveway and struck Ms. [redacted]'s vehicle. Ms. [redacted] explained to us that she had asked Ms. [redacted] many

times prior to the accident to not park directly behind her driveway near the fire hydrant as it is difficult to

exit her driveway with a parked vehicle there. Ms. [redacted] continued to park in this area.

On April 15,2014, we had a conversation with Ms. [redacted] regarding the liability on this claim. We

infomled Ms. [redacted] that we were unable to cover 100% of her damages due to her being illegally parked

near the fire hydrant. We advised her of Utah Statute 41-6a-140 I, which states that a vehicle should not

be parked within 15 feet of a fire hydrant, except momentarily. Ms. [redacted] stated that she has been parked

there for 30 minutes. We feel that Ms. [redacted] was negligent for parking her vehicle in front of a fire

hydrant, which is a violation of the cited state regulation.

We offered to pay Ms. [redacted] 80% of her total damages. Ms. [redacted] disagreed with this liability

detemination. In an effort to resolve this matter, we extended another offer to pay 90% of Ms. [redacted]'s

damages. She declined our offer and advised that she was going to file her damages with her own

Insurance company.

We are currently waiting to receive the demand from her insurance company. We will then work with

them to resolve the liability portion of this claim.

We understand that our insured struck a parked vehicle, and we are truly sorry for the frustration this

unfortunate event has caused Ms. [redacted]. However, we have to consider state regulations when making a

liability determination. We remain wi lling to work with her insurance company to reach an amenable

resolution.

If you have any questions about this information, you may contact [redacted] at ###-###-####,

Ext. [redacted].

Consumer

Response:

On Tue, Jun 3, 2014 at 4:38 PM, [redacted] <[redacted]> wrote:

Case # [redacted]

Review: I was hit by a Ameriprise insured driver on may 22. I filed a claim ten days ago, but have not heard back from anyone at Ameriprise for 2 weeks. I have called the agent multiple times, but he has not returned my calls.Desired Settlement: A check covering my medical expenses and property damage expenses.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on June 25, 2015.We understand that he feels there was a delay processing the claim. We appreciate the opportunity toaddress his concerns.When our insured, Mr. [redacted], filed this claim on May 22, 2015, he did not provide us with Mr.[redacted]'s contact information. According to our file notes, we lacked this information until June 15,2015, when we spoke with Mr. [redacted].On June 24, 2015, we obtained a statement regarding the accident details from Mr. [redacted]. At that time,we requested Mr. [redacted] forward us photographs of the damage to his bicycle and receipts to assist usin detennining the repair or replacement cost for his bicycle.We are currently attempting to reach our insured for his statement as to how the accident happened. Oncewe have our insured's statement as well as receipts and photos ofMr. [redacted]'s bicycle, we will be in aposition to determine liability for this accident. Once our determination is reached, we will promptlyadvise Mr. [redacted] of our decision on this claim.As of June 26, 2015, we have not received any information relating to the damages to Mr. [redacted]'sbicycle. Additionally, we assigned an injury adjuster to resolve Mr. [redacted]'s injury claim oncetreatment is complete. The adjuster will contact Mr. [redacted] in the coming days to discuss the process.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####.

Review: I have home insurance policy over 11 years with Ameriprise and as of July 9, they dropped the policy stating that I have claims which they can not cover any moreDesired Settlement: At least extend the coverage until I find the suitable policy from another carrier

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on

August 14,2013. We understand that he has additional eonccrns regarding the reason we are unable to

provide coverage.

The claims history on Mr. [redacted]'s policy exceeds our renewal guidelines and makes the policy

ineligible for renewal.

We understand Mr. [redacted] believes he did not receive adequate notice of om decision to discontinue

coverage; however, we have enclosed a copy of the notice ofnonrenewal that was sent to the mailing

address on record via the U. S. Postal Service on May 28, 2013. We have also included proof of mailing

verifying the date it was sent.

If you have any questions about this information, you may contact me at ###-###-####.

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

Business

Response:

Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on

September 5,2013. We understand that he would like us to extend coverage to allow additional time to

secure a new policy. We appreciate the opportunity to again address his concerns.

Unfortunately, we are unable to assist Mr. [redacted] further in this matter. We provided adequate notice

of the policy's termination by mail, which is our standard practice and typical in the insurance

industry. We do not typically advise policyholders of policy cancellations by telephone.

We encourage Mr. [redacted] to secure ot her coverage as soon as possible. In our August 29,2013 letter

we offered several alternatives to assist him in this; a copy of that letter is enclosed.

We have not received any new information from Mr. [redacted] that we can address further. We wish him

the best in pursuit of a new policy. If you have any questions about this information, you may contact me

at ###-###-####.

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

Enclosures to Revdex.com

cc: Mr. [redacted]

Consumer

Response:

Review: I have had Mortgage insurance with [redacted] since October 2010. I was suppose to be receiving discount for security, fire detectors, and carbon monoxide detectors. I was not aware that [redacted] sell your insurance policy to another insurance company. My homeowner insurance has almost double in three years. from $525 to over $1092 a year. I received a bill on October 19 which stated my homeowner insurance was $1092.23. It stated also that I was receiving Alarm-Smoke detector discount along with multi-policy discount, and age of home credit. You would think that my homeowner policy would be cheaper. So I called on October 19 and was told customer service person that I was not receiving my discount for having a security system. I then ask her what the Alarm-Smoke Detector discount meant. You said it stated that I had an alarm system but not an security system. I informed her that I was be monitoring by [redacted] since I toke out a policy with [redacted]. So what is an Alarm discount if not for a security system? I told her that I have this service since October 6, 2010. She stated that I need to have [redacted] send then a certificate stating that I had an security system with them. I did at first. She stated that the discount was removed in 2011 because I had dropped [redacted]. I ask her did she have my signature on anything that stated I dropped my security system. She stated a letter was sent to me and I never responded to it. Now, this is what these company do. They say they sent you a letter that you never received. I told her from now on to send me something through my email, then I know I will get it. She then told me homeowner insurance should be $891.75 and I would get a refund after I get [redacted] to send the certificate. I told her I want my refund not only for this year but for all the other years that I was over charge.

I then called [redacted] that fax them a copy of the security certificate. [redacted] sent me a copy through my email and I mailed then a copy also on October 19. I receive an email today on October 22 stating my refund would only be $73. I would get two more refunds of $33 for two years IDS Insurance company has overcharge me. I called today and was told the security certificate did not state I had a fire monitor. I told no I did not. I was asked if I had smoke detectors and carbon monoxide detectors in my house on October 6. Now, she stated that they need proof. They did not need proof three years ago when IDS wrote my policy and toke my money. If they want they can send someone out to verify these things. Now that IDS owe me a large refund they want proof of smoke detectors, well send someone out to check them out.Desired Settlement: I want my refund of $200.48 for this year and my refund for the last two years. I Trusted that [redacted] would do the right thing by me and I am disappointed with the company that has my homeowner insurance. I will be changing for next year.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Ms. [redacted], which we received on October

25,2013. We understand that she would like additional details surrounding a change in premium. We

appreciate the opportunity to address her concems.

We offer different discounts for different types of protective devices. The devices we offer a discount for

are:

• Central Monitored Burglar Alarm

• Central Monitored Fire Alarm

• Central Monitored Fire and Burglar Alann

• Local Burglar Alaml-unmonitoreci

In order to maintain one of these discounts, we need to receive a copy of the Protective Device

Certification form, service contract or bill/invoice from the monitoring company.

On October 1, 2011, Ms. [redacted] started her policy, and at that time she informed us she had a security

system installed in her home. We inadvertently added the discount for a centrally monitored fire and

burglar alaml instead of the centrally monitored burglar alarm.

The discount was removed effective for the October 1, 2012 to October I, 2013 policy term because we

did not receive a copy of the Protective Device Certification form, service contract or bill/invoice from

the monitoring company to maintain the discount.

On October 21, 2013, we received a copy of Ms. [redacted]'s ADT Installation Certificate showing she has a

centrally monitored burglar alarm system in her home for several years; therefore, we added the centrally

monitored burglar alarm discount to the policy retroactive to the October 1, 2012 renewal term.

We mailed Ms. [redacted] a refund check for $33.36 for the 2012-2013 policy term. Then, we sent two refund

checks totaling $77.74 for the 2013-2014 policy term.

We do not owe Ms. [redacted] a refund for the the 2011-2012 policy term, because she received a greater

discount than the one to which she was actually entitled. In other words, for that year she received the

Central Monitored Fire and Burglar Alarm discount when she should have only received the Central

Monitored Burglar Alarm discount.

We sincerely apologize for any confusion or frustration we may have caused Ms. [redacted].

If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

cc: Ms. [redacted]

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

I have all my family cars with them ( 6 cars) Full coverage for years and my home as well with Ameriprise insurance. I trusted Costco that is why I joined them. As soon as I had a slight accident in the snow they started nickeling and diming me arguing about the car rental calling me and telling me they will not pay for the rental because my car should have been fixed by now (like it is my fault that the shop did not fix the car like they were suppose to. You are dealing with the adjuster (Separate entity) hired by the insurance company and the claim representative and the shop. It was a very frustrating experience I will find my self a much better company than this. I wonder what would have happened if something happened to my home. Customer Service goes a long way. Making the customer feel like he is making stuff up that is terrible. No customer service and no one else to complain to you are stuck.

Review: Ameriprise Auto Insurance (IDS Property Casualty Insurance Company) and [redacted] is engaging unfair settlement practice agreement with us for the damages done to our minivan and caused by their insuree. O

n 07/09/15, we call roadside service through our insurance company (Ameriprise) to pull our minivan stuck in the

campsite. Ameriprise sent people from CA Colors Truck & Auto body (insured by [redacted]) to pull our minivan and our minivan was severely damaged by the time it was pulled out (Rangers from campground witnessed and pictures presented for evidence). We contacted Ameriprise the same night to claim our damages and fix our

vehicle and apparently they did not have our claim records we made earlier that day. Finally, they worked on their

non-communicating systems and found our claim. After numerous contacts and poor responses from both parties

(Ameriprise and [redacted] from [redacted]) showed up in our house on 09/15/15 (after TWO months later the incident) with Property Damage Release form ("Settlement Agreement") for the amount appraised by the independent body shop. I told [redacted] clearly that I do not want to get involved with payment and all I want is to get our vehicle fixed. [redacted] said, "They cannot fix the car (release the check), unless we sign the settlement agreement". [redacted] also added that if we don't sign on the settlement agreement, we have to work with Ameriprise directly. My husband contacted Ameriprise again to report them on what [redacted] has done to us. So, [redacted] contacted us to get a 2nd appraisal on their own. They

explained they need to do own their own appraisal to fix the minivan now and they sent someone to our house again o

n 09/23/2015. After the appraisal, [redacted] sent 2nd Property Damage Release form (same

content as 1st settlement agreement except the fixed settlement amount and excluding Civil Code 1542)to us today (10/0

1/15). It is so obvious that their own appraisal could not estimate the amount of damages done to our vehicle, yet

they were trying to get us to sign on the document to release their liability foreverDesired Settlement: I want Ameriprise to repair our vehicle and settle their agreement/handle their claim with the other insurance company.

We are not going to sign any document until our car is completely fixed, which no one knows the exact cost to repair.

It would be silly to sign on any document to release all parties at this point. The car is not even fixed or even being started to fix

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on October 2,2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunityto address her concerns.Ms. [redacted] needed roadside assistance because her vehicle was stuck and damaged from driving it oversome large rocks. Unfortunately, additional damage was caused by the responding tow company. The towcompany's insurance, [redacted], accepted liability, and a claim was filed through them.After two months, a settlement offer was made to Ms. [redacted]; however, she rejected that offer.On October 2, 2015, Ms. [redacted] filed a claim with us. We are actively working to resolve this 'issue.She has selected a repair shop of choice, and she will be bringing the vehicle in next week to get itrepaired. We will cover all the damage caused by the towing company, as well as a rental vehicle duringthe repair period. We will seek reimbursement for these expenses from Stratford Insurance. The initialdamage caused by driving over the rocks is, nnfortunately, not covered by Ms. [redacted]'s policy.If you have any questions about this infonnation, you may contact me at I ###-###-####.Sincerely,[redacted]

I've been an Ameriprise Auto Insurance Customer for a little over a year now, and I just changed my car to a new 0 miles car from a dealership, I made the phone call, transfer my policy, etc. etc. everything was "perfect" until I found out by "coincidence" checking my policy online that hey suspended my collision and comprehensive coverages, without me even knowing it and after 2 months passed by because supposedly I was suppose to make a Photo Inspection on my car. Mind you I'm a New York State Resident and NYS Insurance Law Waives this requirement for new cars, all you need to do is make the dealership send them you bill of sales and window sticker for the car. Despite the fact that I called 3 different times and talked to 3 different people, they swear to God is a Company Requirement that I need to do the Photo Inspection ( did I mentioned I got a new car )So the state law means nothing to them, of which I have a copy by the way.
Bottom of the page, I will go and get my inspection done to get it out the way and have this coverage back, but the point is they should try to first comply with every state law, in every aspect, and train your personnel better on customer service as well, because they do not know how to handle this type of situations.. Second of all they claim they sent me the correspondence noting I'll be losing my "coverages" because of this "inspection" mind you I never got anything in the mail, shouldn't they try to call me? Leave me a voice-mail maybe? This is a serious concern/issue, because you can be 150% sure that if the case was me owing them 25 cents, they'll call me unstoppable to collect those 25 cents, so they cannot call me to let me know that I need an "inspection".... for real?
Its not proper the way this business managed this situation. . What if I never found out on my own? Can you imagine a person driving his/her car around there with only liability coverage without even knowing!!!! I'm truly disappointed. I'll be finishing up this term with this company but I'm switching right after I finished.

Review: I’m requesting for the Revdex.com to investigate Ameriprise denial of my claims, termination of my policy and its unethical business practices. I was invested with Ameriprise for nearly 10 years, and based my tenure on trust that Ameriprise’s business practices and ethics would benefit the social responsibility to its clients. This is not the case. Both of my claims were denied. The Rep mailed a generic letter and reference seepage and/or peril as the reasons for denial. The letters were written without direct reference to section, subsection and number. My intepretation of the Rep’s letters reference Ameriprise policy Under Section I, Property Protection, Perils We Insure against, #14. “Accidental discharge or overflow of water or stream from plumbing, heating, air conditioning or automatic fire protection sprinkler system or household appliance”, however, under #14, This Peril Does not Apply to Loss, subsection d - Caused by continuous or repeated seepage or leaking over a period of weeks, months, or years.

Ameriprise’s policy, under Section I, Property Protection, contradicts subsection d, as mentioned above, against #1 and #14, as mentioned below. A client cannot win for losing with Ameriprise policy, because subsection d will win. It takes a while before water damage appears. The water seeped to the lower section of the floor and formed a pool under and behind the walls and floor cabinets. The date the damage was discovered in both rooms was the dates the kitchen and bathroom were no longer used. The damage was reported to Ameriprise the date the condominium association’s contractor determined that the cause of the problem was isolated to my condominium.

Dwelling Coverage, #1. “We (Ameriprise) cover: Fixtures and appliances contained within the residence premises which are part of the building”.

Perils We Insure against, #14. “Accidental discharge or overflow of water or stream from plumbing, heating, air conditioning or automatic fire protection sprinkler system or household appliance”

2. Policy Termination

Among other things, Ameriprise initiated the action to terminate my home insurance policy on May 28, 2015, after it denied my two claims. The denial of the claims and policy cancellation adds insult to injury. Ameriprise initiated this action due to two reasons: two water damage claims and credit history report. I have been a client of Ameriprise, since 2004. My premiums were paid on time, and starting in 2010 my premiums have been paid annually in August through my mortgage company.

3. Improper business practice – Ameriprise’s claim rep. sought reasons to deny my claims

My claim rep did not live up to good faith and fair dealing. She continued to twist policy until she found one that was the ground for the denial. Before the first trade’s person arrived to review the damage, the rep begun laying the foundation to deny my claims, see e-mail chain and letter.

During Ameriprise investigation of the claims, the rep sought reasons to deny the claims. From the examples, listed below, the adjusters may have been preprogrammed to deny the claim even before they have set foot on site of investigation. And, the language befuddled me if the claims were being denied before being investigated.

Examples

Example 1. February 5 letter stated that “… we have to determine where the leak is coming from in the bathroom before we can proceed with the claim. Therefore, there may not be coverage under the terms and provisions of you policy.”

Example 2. January e-mail #2 stated “Thank you for providing the bylaws to us for review. According to the bylaws the condo association is responsible for the repairs to the home unless the repairs were upgrades (such as if you changed something from what was originally in the condo when it was purchased). …”

Letter

February 5, 2015; Ameriprise, stated the following

This letter will serve to inform you that we are investigating the above-referenced loss under a Reservation of Rights. It appears (,) we have to determine w (h) ere the leak is coming from in the bathroom before we can proceed with the claim. Therefore, there may not be coverage under the terms and provisions of you policy. For your reference, the applicable portion of your policy states:

We cover risk of direct physical loss to property insured under the Dwelling and Personal Property Coverages caused by any of the following perils, unless the loss is excluded elsewhere under this Policy (Purposely created Contradictions within the policy)

Perils we insure against-

14. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system or (a) household appliance. We will also pay the cost of tearing out and replacing any part of the building covered under (c) Dwelling coverage and on the residence premises if it is necessary to repair the system or appliance from which the water or steam escapes.

This peril does not apply to loss:

a. To the system or appliance from which the water or steam escapes;

b. Caused by or resulting from freezing except as provided in the Peril of Freezing;

c. On the residence premises caused by accidental discharge or overflow which occurs off the residence premises;

d. Caused by continuous or repeated seepage or leaking over a period of weeks, months or years; or

e. To property on the residence premises if the unit has been vacant for than 30 consecutive days immediately before the loss.

Email correspondence with Ameriprise and myself between Jan 26 to 28.

1. From me

Nice speaking with you earlier. Here’s the By Laws (Insurance is on pages 26-31) and the COI (Certificate of Insurance).

2. From: Ameriprise

Thank you for providing the bylaws to us for review. According to the bylaws the condo association is responsible for the repairs to the home unless the repairs were upgrades (such as if you changed something from what was originally in the condo when it was purchased). Please make sure that you file a claim with them for the damages to your home as we would be the secondary carrier for the damages. Since we have the field appraiser assigned we will continue to investigate the loss.

3. From me

We are the second owner of the condo, and I think the upgrades do not refer to kitchen appliances. I don't believe that the condo assn. should be held responsible for the original appliances that were installed by the developer 10 years ago. The condo association will not cover the repairs, because it was an appliance that caused the damaged. Their reason is that anything with the interior of the walls is the condo owner's responsibility.

Please send me page number and paragraph where you found that statement.

4. From Ameriprise

We were looking on page 28 under insurance section 2. We are still investigating the loss, we just wanted to provide you with the information that we found in the bylaws.

5. From me

The Damage Insurance section refers to the Assn's Master coverage if the building is damaged. It will restore condos to its original specs.; therefore, if a condo is remodeled it will not replace any upgrades.Desired Settlement: I want Ameriprise to pay both claims.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on May 6, 2015.We understand that she disagrees with our decision regarding her claims. We appreciate the opportunityto address her concerns.Claim 1927501 was for damage to cabinetry caused by a leak from the dishwasher. After reviewing thedamage to the cabinetry, we is[redacted]d a denial because there had been repeated leaking that caused heavydamage and staining over a period of time. The damage to the wood flooring on the back side of thecabinets was more sudden in nature, as there were no long-term indicators that repeated damage hadoccurred. We will have our adjuster create an estimate for the flooring repair. Once the estimate iscompleted, we will follow up with Ms. [redacted] to discuss it.Claim 1927503 was for a suspected leak in the shower. The plumbing was inspected by American LeakDetection, and no leak was found. Therefore, we is[redacted]d a denial, and we were unable to contribute to thetile and carpeting Ms. [redacted] removed.We explain to clients at the outset of a claim that we have to fully investigate the matter before we canconfirm coverage will be available. We are especially clear on that point so clients do not begin repairsbefore we have made a determination. We regret that our explanation seems to have given Ms.[redacted] the impression we made our determination before the investigation began, because thatcertainly was not the case.If you have any questions about this information, you may contact me at I ###-###-####, Ext. 3024.

Review: I have an auto claim, where I am the victim of a collision involving their insured motorist. I have been in limbo for the past 30 days trying to get a hold of the representative from Ameriprise with no return phone calls no one answers the phone, and when I speak with a team leader they say theyre going to make notes and have the supervisor contact me but they do not. Myself and the insured motorist that is represented by Ameriprise are both unable to get anyone to return our calls. The lack of professionalism is very concerning, I am not sure what to do to get any response from the representative or their supervisors, no one seems to care and when I speak with someone that actually does answer the phone, they say that theyre not the one that was assigned to the case so they cant help me. Instead they take notes and say theyll have someone get back to me. After calling and leaving notes, I called again later that week and spoke again with someone that couldnt help me because it wasnt their assigned case and I asked them to look at the notes entered and for them to transfer me to a supervisor, they replied that there were no notes entered and that in order to transfer me to a supervisor they had to start with giving the rep 24 hours to contact me and then if no reply they could transfer me. Yet, because no notes were ever input there was no 24 hour clock to start with. I need help!Desired Settlement: I would like for the representative to contact me and the other party so that we can finish the claim and I can get my vehicle repaired. It has been a month, 30 days since this happened. I would rather have her supervisor contact me so I can have them or someone more responsible take this over and have it finished.

Claim Representative

IDS Property Casualty Insurance Company

Phone: ###-###-####

Fax: ###-###-####

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on January 27,2015. We understand that he feels there was a delay processing the claim. We appreciate the opportunityto address his concerns.On December 31,2014, Mr. [redacted] reported that on December 25, 2014, our insured, Mr. [redacted],swerved into his lane and struck the driver-side rear of his vehicle. During that conversation, we obtaineda statement from Mr. [redacted] and confirmed there were no witnesses and no police report. We explainedthat we needed to speak to our insured to confirm the details of the loss prior to accepting anyresponsibility. That same day we also scheduled a vehicle inspection, which was subsequently approvedon January 8, 2015.On December 31, 2014, we left a message for our insured to contact us. We followed up with our insuredon January 13, 2015, in an attempt to obtain a statement. We also left a message for Mr. [redacted]explaining we still needed the statement from our insured to complete the investigation. Mr. [redacted]called on the January 14, 2015, and we confirmed liability was still pending.Our insured called us on January 15, 2015, but, unfortunately, the claim representative was unavailable totake the statement. We called the insured back the same day to obtain a statement, but had to leave amessage. After unsuccessfully attempting to call our insured again on January 16, 2015, we emailed astatement form to the insured to expedite the claim process. We also spoke to Mr. [redacted] and confirmedthat we still needed the insured's statement to process the claim.On January 21 , 2015, our insured called and we advised him that we attempted to reach him by phone andemail. Our insured stated he did not receive the email and provided an alternate email address. Weforwarded the statement form to this email address on January 26, 2015, and we also spoke to Mr. [redacted]to inform him of the claim status. On January 27, 2015, we sent a status letter to Mr. [redacted] wherein weconfirmed we are still awaiting insured statement.On January 30, 2015 our insured returned the statement form in which he admits being at fault for thisaccident. Consequently, we have accepted full liability for the loss 011 behalf of our insured, and we haveissued Mr. [redacted] a settlement check in the amount of $4,743.34.We understand that Mr. [redacted] is frustrated with the length of tune it has taken to resolve this matter. Itis always our intention to handle all claims efficiently but, in this case, we needed extra time to obtain ourinsured' s statement. Regrettably, without an independent witness and police report, we required theinsured's statement to properly investigate the loss.If you have any questions about this information, you may contact me at * ###-###-####, Ext. [redacted].

Business

Response:

[redacted]

we have received additional details which resulted in changes to the previous response which was submitted earlier this morning (02/02/15)

Thank You

I recently filed a claim with IDS for a travel cancellation due to cancelled flights from bad weather. I was told that the claim was denied because it did not result in complete 24 hour cessation due to the fact that there was a later flight that flew to the same destination. However, the airline told me that flight was completely full and they could not put me on the flight. I don't understand why the one flight that flew there completely full should result in my claim being denied. It seems like a big loop hole to avoid paying out for travel insurance.

I have been with Ameriprise Auto thru Costco since 2006 but now I see this company has nothing to do with Costco any more, so now it's no wonder to see mostly extremely negative experiences with them from what I had last Saturday 11/14/15.
My car battery was dead, so I called them for the service 12:20PM and waited until 1:35PM, my 2 follow up calls to them later but each time only heard the tow driver was not reached without giving me other option to help me to get out it; that was it!!
So I cancelled my service request right after getting help jump start from a person passing by and thought no reason to pay premium to get no help from them.
Thank God, I was with my 2 kids(9 and 4) and my wife but it wasn't in the rural area or under the hot weather, because it should have been same anyway!!
Might be a good place to work getting paid from doing nothing but totally not for customers. We never know how they're doing until we need them and this is not the just one worst experience from them as everyone can see it easily from Googling and frankly I hesitated until today even spending this time feels waste of time to expect any from them who didn't and won't change unless they get premium from nobody.
As soon as my current term ends, I will of course shop for another trustworthy name like AAA, and I hope no one is confused this guys with Costco who they use in order to make people believe they're doing business like Costco, even this guys were cut from American Express a while ago but using a similar name that also makes people believe both are related.
Which are good examples that tell people they're not doing as good as those 2 big names, Costco and Amex, only to be non sense!!

AAH has been our auto insurer for many years. We have never filed an accident claim and our rates have been reduced over the past several years due to our good driving records. The rate on our upcoming policy was increased by 15% without any satisfactory explanation. While we purchased new cars in May, 2014 and went through a rate adjustment then, the increase of 15% was unexpected. The second surprise was finding a CLUE report stating we had filed a claim for under $1000. While we discussed an incident with one of our vehicles with AAH, a claim was never filed and we received $0 from AAN over the incident. We are disputing the "claim". Only if a company pays out $$ should a report be filed. This did raise our rate at another insurer but, ultimately, we are paying less than half what AAN wanted to charge us. One has to wonder if our 15% rate increase was over the $0 "claim". Talk about the opposite of accident forgiveness. No insurer should have the right to make such a claim without extensive paperwork and all individuals involved should be informed of the CLUE report at the time it is posted. If the insured was informed in a timely fashion, I doubt the AAN "adjuster" would have made the claim. Why is an adjuster even needed when there is no claim? All that was involved were a couple phone calls and AAN did not approve or disapprove our course of action, on top of also not paying out anything. This does not qualify as a "claim".