Ameriprise Auto & Home Insurance

Review: I have active auto insurance with Ameriprise. My vehicle was declared as a total loss after a car accident, which happened around 4 months ago and was 100% the other party’s fault. I received only part of the payment from Ameriprise about one month after the accident, the partial payment was equal to the actual compensation amount subtract my deductible of $1000!!?? However, up until today, Ameriprise hasn’t paid that $1000 back to me. On top of that, I needed a rental car as a replacement during the settlement period of the case, Ameriprise refused to have my rental car expense entailed by the accident reimbursed. I am looking forward to a solution to the issues.Desired Settlement: Ameriprise should pay me back the deductible of $1000 and take care of the reimbursement of my rental car expense. Thank you!

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on January 14, 20 14. We

understand that she feels there was a delay processing the claim. We appreciate the opportunity to address

her concerns.

Ms. [redacted]'s vehicle was hit in the rear by another vehicle while traveling on a highway. It was detennined

that the driver of the other vehicle was fully at fault for the collision, and Ms. [redacted]'s vehicle was declared a

total loss. The driver of the other vehicle is a member of the U.S. Army. Becanse the Anny needed to

complete an investigation to detennine whether the accident would be covered by the Anny or by the

driver's personal insurance, we recommended that Ms. [redacted] file her clain, with our company to expedite

the process.

We have paid for the loss of Ms. [redacted]'s vehicle, but we are unable to reimburse her the rental expenses she

incurred during the claim process because she did not elect to have Rental coverage on her policy. In

addition, we were unable to waive Ms. [redacted]'s $1,000 Collision deductible since the Army is still

investigating coverage and has not accepted liability for the claim.

Once the salvage of her vehicle was settled, we submitted a recovery demand to the Army on November

27,2013, and we have been following up with them monthly in regard to the status of the claim. To date,

we have not received a response that they are accepting liability; we have only been advised that they are

still investigating coverage. We recently provided Ms. [redacted] the contact information for the Army so that

she may attempt to recover her out -of-pocket expenses herself, and we will continue to contact them as

well.

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]

Review: On November 24, 2014 a very bad storm hit our area in [redacted]. The storm had such strong winds that the next morning shingles could be seen in the backyard that had fallen off the roof. I called Ameriprise my insurance company. Ameriprise sent out an adjuster to as the damage. Meanwhile, I got 3 separate quotes for the damage to the roof. I chose the lowest one which came to $11,300. Ameriprise said there was a $1000 deductible and I gave the quote to them. Amerprise came back and said they will only cover $5953 for damage to the roof. I then contacted Amerprise letting them know once again that the quote was much higher. In response they sent another adjuster to reevaluate, however this adjuster came up with same total of $5953. From this point I again tried calling the claims adjuster several times, I left many voicemails only for him to call back and say nothing more can be done. I then contacted my financial adviser. Through a conference call between Ameriprise, my financial adviser and myself, I gave him the authority to talk on my behalf. My financial adviser then also tried contacting Ameriprise on several occasions and also left multiple messages. Brian Jernigan, the claims adjuster, returned the call saying that my financial adviser was no longer allowed to represent me and that I was to contact the home office if I had any more questions. This ordeal has been ongoing since November 2014, which is over 7 months. Ameriprise said they will cover only for the damages caused. The roof contractor has said the whole roof needs to be replaced, however Ameriprise is continually saying they will only cover what is damaged. Since it has been over 7 months since the original damage it is unknown if there is now any additional damage done to the roof.Desired Settlement: I would like Ameriprise to come to an agreement with the contractor to complete the job.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on July 17,20 17. Weunderstand that she disagrees with our decision regarding the claim. We appreciate the opportunity toaddress her concerns.We received the notice ofloss from Ms. [redacted] on November 25, 2014, with a date ofloss of November24,2014. Upon receiving the claim, we assigned ICA Claims to contact Ms. [redacted] and discuss the scopeof damage and complete an on-site inspection. ICA inspected the home on December 2, 2014, and foundwind damage to the front and right slopes of the roof. ICA estimated to replace the two slopes due to theobserved damage.ICA completed a re-inspection on March 25, 2015, with Ms. [redacted]'s contractor, Mr. [redacted] of [redacted] During that inspection, Mr. [redacted] agreed with the scope of damage as a result of the winddamage. We are aware that Mr. [redacted] is estimating to replace the roof, but the damage due to wind doesnot warrant a full roof replacement. The policy does not afford coverage to replacement the roof if theoriginal shingle is no longer available.We regret that this is not the decision Ms. [redacted]s would have liked, but after reviewing her situation asecond time, we respectfully maintain our decision. We have issued payment to her based on the rCAestimate of$6,953.79 less the $1,000 policy deductible.

Business

Response:

Thank you for sending the follow-up complaint tiled by Ms. [redacted], which we received on August3,2015.Ms. [redacted] requested that the adjuster and her contractor meet at her home so she can discuss the loss withthem. We will have the adjuster contact Ms. [redacted] to arrange a meeting date and time. After that hasbeen detennined, we ask that Ms. [redacted] contact her chosen contractor, [redacted], to inform him of thedate and time.After the reinspection has taken place, we will receive and review a report from the adjuster, and then wewill contact Ms. [redacted] to discuss the findings.

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.

Regards,

Review: I have been with Ameriprise for auto insurance of over a year. When I opened the account I explained to them that I own a home in [redacted] where I keep my car that is only used on weekends. I also rent an apartment in NY city where I spend most of the week. My billing address was the apartment in NYC but the home address was the [redacted] address. They were fine with this set up and my 6 month premium was just over $400. This was renewed twice with no problem. This past December, on the 27th, my policy was renewed for $454. It was an automatic payment in full. Three days later my policy was reevaluated and my premium jumped to over $1100. When I inquired they told me I had to show proof of my residence in [redacted]. I provided them with a copy of my mortgage statement, an electric bill and a propane bill. All in my name. They had an excuse for every item as to why it was not enough proof. Although they did not explain why the mortgage bill was not enough. I decided to not waste my time and go to [redacted]. When I called to cancel my policy with Ameriprise today they informed me they were only going to refund me $130 because this refund is based on the $1100 premium. When I renewed my policy it was for $454 for 6 months. The policy was only in effect for a month and a half. I should be receiving back $300. They should not have the right to lock me into the higher premium. They automatically deducted the lower price for the policy and then informed me of the increase after I was already locked in. That is not honorable business practices.Desired Settlement: I want a full refund.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on February 17,2015. We understand that she disagrees with our decision surrounding the increase in premium. Weappreciate the opportunity to address her concems.Based on the information Ms. [redacted] provided and our second review of the matter, we will backdate theaddress change and refund the additional unused premium of $190.59 as a courtesy to Ms. [redacted].We called Ms. [redacted] on February 20, 20 15, and informed her of our decision. We also applied the refundof $190.59 to her credit card.If you have any questions about this information, you may contact me at [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.

Just terrible. Such a bad experience with this company. Had water damage in my kitchen and basement from a roof leak. It took two months to finally get everything resolved. Had mold on cabinets and in the wall. Moved out because I didn't want my family around it. Still took forever for them to get back to us even though we weren't living in our house. There was mold on the cabinets, and they told me to just clean them up and reuse. Wanted me to reuse everything that had water damage and mold. Not happy with how that was handled. While struggling with dealing with them, my neighbors house burnt down. Which resulted in damages to my house. Surprisingly they came right out and four days later I got a check for the damages minus my deductible for something that wasn't my fault. But it didn't go that smoothly this time again. Surprise. Wrote out the check for the wrong amount. Got a deductible taken out for something that wasn't my fault. Also tried to get ahold of the person handling my claim via email and voice mails multiple times, but resulting in nothing in return at all. Even though he told me if I had any questions call or email and he will get right back to you. Haven't heard from him in three weeks. Finally got the check corrected, but still waiting on my deductible that I was told would be returned. Called/emailed and still nothing back. A lot of siding was melted in the process, and they claim that it's not their problem that the new siding doesn't match the old siding. This wasn't my fault what so ever. So now I need to order siding for the rest of my house. Of course out of my pocket so my house is the same color. They absolutely do not care about you. Would not recommend to anyone ever..

Review: I have insurance on two cars and one house through Ameriprise Auto and Home Insurance. Two weeks ago my city had a heavy rain storm. The rain was so much that water filled up underneath the back part of my car where the battery and all electronic component control modules are located. The water fried all of these components and my car could not be driven. I had purchased full coverage insurance on my car when I bought it back in June of this year. None of the employees made me aware that there were loopholes in the coverage. I took my car to my local BMW dealer for inspection. Upon finding the problem I knew it was going to be expensive so I filed a claim with Ameriprise. After the damage was inspected Ameriprise denied my claim because they came to the conclusion that the problem happened over time and was a maintenance issue. The problem did NOT happen over time because all the parts were ruined in a matter of seconds after they were submerged in water. Nobody ever told me that so called "wear and tear" issues were not covered. This was not a wear and tear issue. It had rained several times before and the car drained water just fine. The rain that caused the problem was an extreme amount of water all at once that caused the problem right away. I tried asking for them to work with me so that they can keep my business. I talked to two different individuals and the both stood their ground and said there is nothing or no exceptions they could do for me. In my opinion this is a grey area where exceptions could be made to take care of a customer. It is bad business to sell someone insurance that is called "full coverage" when in reality its not even close. I am a loyal customer with only one small claim filed that happened 4 years ago. I have spent thousands more than the small amount I am asking for. The loopholes in the policy should have been explained to me when I decided to fully insure my car through Ameriprise. Thank you for your time and consideration of taking care of my issue.Desired Settlement: I would like Ameriprise to cover my claim of $3829.09. I will gladly pay my $250 deductible.

Business

Response:

Thank you for sending the complaint filed by Mr.[redacted], which we received on November 23, 2015. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.We would like to assure Mr. [redacted] that he has coverage on his auto policy for comprehensive losses which include water damage. However, the auto insurance policy does not cover losses that occur over a period of time.Our appraiser inspected Mr. [redacted]’s 2008 BMW with the shop’s service technician present and the technician pointed out the cause of the problem, which is a plugged drain. With each water event, the drain retains water as it is partially plugged. The overflow water runs into the container housing the electrical modules. The technician reported that when he opened this container, the modules were completely submerged. Our appraiser inspected them individually, and identified corrosion within the electrical connection of the modules. The presence of corrosion identifies this as a problem occurring over a period of time as a result of wear on the modules from exposure to the water.We understand Mr. [redacted]’s frustration with the situation, however, we must respectfully maintain our denial of Mr. [redacted]’s claim.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Ameriprise is the worst company one can have for home or auto insurance coverage. After I had coverage for a little over a month with them, they cancelled my policy because a burst pipe I had a couple of year ago. After I talked their manager, [redacted] and their claims' handler, [redacted] I was advised that they were a low-risk company. In other words, all they cared about was making profits and not helping the communities where Americans live. I find this absolutely unacceptable by any standards. I will report them to the state's Insurance Commissiioner's Office. This way, our governmnent can protect us against these thieves who are pocketing billions of dollars every year.

Had my whole claim denied for one item that Ameriprise is such a rip off the only reason I'm posting now because I just saw the news an there doing it again to someone else .! SAD

In receiving my auto insurance premium for a six month premium, I noticed that Ameriprise is now using a third party to determine annual mileage usage. I drive less than 4000 miles a year and their third party determines my mileage at 9000 a year. I called and questioned this and they sent me a form to fill out which I did. Ameriprise called and said the form was invalid. My thoughts are that if they checked my auto VIN number with NY motor vehicle department, they could see what my mileage is when my car is inspected annually. My insurance cost is increased $72 for six months because of this. I think this a scam.

Review: On May 22nd there hail storm took place in [redacted]. My roof is leaking during every [redacted]n and I have kept buckets to stop the leak through my Attic.

Pictures have already been given to the insurance company about the issue and they have approved only half the claim saying Hailstorm happened on only half of the roof. Mother nature did not decide to fall only on half side of the roof. When the roof is replaced, the Gutters needs to be replaced as well because they get damaged but Ameriprice is not paying for the price of the Gutters and other fixes.

On the street every house is getting full roof replaced. Ameriprice Insurance is wasting time and causing delaysDesired Settlement: Request to replace entire roof rather than half side of the roof and making the house look ugly and also other issues that still remain with regards to the leakage. During snow storms the snow will be stuck there and dont know what other places the leakage will start. Please help us get budget upto $14000 for getting the Gutters, roof and other damages caused by Hail Storm.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on November 11,2014.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.We received the notice ofloss from Mr. [redacted] on August 1,2014, with a reported loss date of May 22,2014. We assigned [redacted]) to contact Mr. [redacted] and to complete an inspection, which took placeon August 6, 20 14.[redacted] found damage to the front slope of roofing, the left elevation siding and downspout, the rightelevation siding, and drywall in the master bedroom. They submitted a repair estimate in the amount of$7,998.53, and we issued payment to Mr. [redacted] on September 3, 2014.We received an estimate from Mr. [redacted] 's contractor, [redacted], for a full roof replacementtotaling $11 ,168.66. Once we complete our review of the estimate, we will contact [redacted] toattempt to reach an agreed price and scope of repairs.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].

Review: My car was hit while parked on 9/23/2014. The damage to my car was the front and back driver doors and rear bumper. The estimate was for $2224.87 however, the estimate was decreased down to 2033.50 . The vehicle was partially fixed. They only approved to pay for one side of my bumper to be fixed which required for them to pay the dealership an extra $191.37. I received a email from the company stating: " On October 21, 2014, we issued a check to [redacted] for $191.37 under the Property Damage coverage of the policy.You will receive your check in approximately 5 business days. When it arrives, please review the check stub and any enclosures for additional information.Certain states require a reinspection of vehicles that were involved in accidents while they are being repaired or after the repairs have been completed. You may be contacted by an independent appraiser asking to reinspect your vehicle on our behalf. We ask that you cooperate with our appraiser to facilitate the reinspection process". Now when I spoke with [redacted] about this email. he states that it was computer generated and that they are not sending me any $ but they did send the dealership $191.37. then he states that no one will be coming out to appraise the vehicle after the repair. I dont understand why this would be sent to me misleading me. I would like for the other side of my bumper to be fixed.Desired Settlement: I had asked for a supervisor to contact me, in which, [redacted] did call but she was no help. she totally down played the whole accident. I had asked for her supervisor or boss to give me a call in regards to my claim but I received no call from anyone else at this company. I was very upset that my car was hit while parked and that I was not compensated for taking off work for taking my car to the shop and picking it up. I was not compensated for my gas either. I was not compensated for the depriciation in my cars value. I feel that this company didnt really care that I was the victim. that my car was hit while parked not I hit their client. I asked many times to speak with managers and all and was given the run around , then only got 95% of my car fixed. this is not right. my car should be in the same condition it was before it was hit. then to get out of money, time and gas and NO one cares is a big issue. I would like what im entitled to. My car being properly fixed and my money. I would also like an explanation of the email that was sent to me on 10/21/2014

Business

Response:

Thank you for sending the complaint med by Ms. [redacted], which we received on November 6,20 14. We understand that she would like additional explanation about the handling of her claim. Weappreciate the opportunity to address her concerns.On October 21, 2014, we sent Ms. [redacted] an email that informed her that we issued a payment on herclaim. We mailed a supplemental payment to her body shop, [redacted], but the emailmessage incorrectly said we were mailing a payment to Ms. [redacted]. We apologize for this inadvertentmiscommunication and the confusion it caused. The email also said that some states require are inspection, and we may schedule one. In Ms. [redacted] ' case, it is not required. Again, we apologize ifthis caused confusion.Ms. [redacted] also expressed concern over tile bumper repair. We spoke with [redacted] at [redacted]Mercury and confirmed that there was prior damage to the center rear bumper of Ms. [redacted]' vehicle thatcaused her bumper to be misaligned. As a customer courtesy, they removed and re-installed her rearbumper during the painting process and corrected the fit to the best of their ability without replacing therear bumper brackets. Please see the enclosed photographs showing the prior damage to her rear bumperand the damage from this loss.We are truly sorry Ms. [redacted] experienced this unfortunate event, and we regret that our inadvertentmiscommunication only added to her frustration. However, after reviewing the facts of the loss a secondtime, we feel we extended appropriate coverage and payment for Ms. [redacted]' damages, and the claim isconcluded.

My husband and I were looking around to get some quotes for auto insurance, one of them being Ameriprise. We called on 3 diff occasions to get a quote and on all 3 occasions we had terrible customer service. My first 2 failed attempts were because the agents stated I could not speak on his behalf and that I needed his permission in order to proceed; which I find strange, but they were not polite about it at all. When my husband was finally able to make the call, he was assisted by a very rude young lady who had a very bad attitude. Being that at this point, it didn't even matter what the quote was, we decided to continue with another company solely on the fact that our first interactions with this company was very poor. I don't see how they would win anyone's business with that type of customer service.

Review: Approximately August 6th, 2015 I called Ameriprise Insurance Company after receiving a letter regarding auto insurance quotes. I responded back via phone &liked the quote given to me. At that same time I also asked them if they handled homeowner policies & I was told that they did & was asked if I would like a QUOTE, which I said yes. I then told the sales rep ([redacted]) that I currently had a policy elsewhere but his quote sounded great & I would THINK IT OVER, NOT PLANNING TO CHANGE FOR AWHILE. He asked me if I wanted to start now & again I stated no, not at this time.

On Sept. 16th, I went to make a purchase & could not. Not knowing why, I looked into my bank account & "discovered" that Ameriprise had deducted money out of my account for a home owner's policy that I NEVER HAD OR AGREED TO! I immediately called them & stated I wanted ALL the money back INCLUDING THE NSF fees that they took. While they DID refund the initial amount they promised on three different times & occasions (by three different people) to refund the NSF fees of $26.50 x 2 within 24 hours. On Sept. 22, I checked & it was still not refunded. I called, spoke to Eric, a supervisor & he said that they tried to call me to tell me that would not happen. He stated the reason was because they feel that they did not make the error & that I agreed for any charges on the quote, which I did not! I told him that I was not in error because I got nothing from them & that illegally took money from my account WITHOUT MY KNOWLEDGE OR PERMISSION. I have NEVER HAD THEM as a homeowner company, nor will I ever. If this is not resolved quickly I WILL be seeking to legally get it back. Thank you.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,2015. We understand that she would like her non-sufficient fund fees refunded. We appreciate theopportunity to address her concerns.On July 30, 2015, Ms. [redacted] requested a homeowner's quote for her property located at [redacted]. We verified Ms. [redacted] wanted the policy to be effective for September13,2015, and on preauthorized withdrawal for billing. Ms. [redacted] agreed. Since receiving hercomplaint, we have reviewed the initial phone call, and Ms. [redacted] did agree to purchase the policy.On July 31, 2015, we mailed Ms. [redacted] her information regarding the new policy along with apreauthorized withdrawal notice informing her we would be withdrawing $64.45 from her checkingaccount on September 13, 2015.We did not hear from Ms. [redacted] between July 31,2015 and September 16, 2015. Ms. [redacted] contactedus on September 16, 2015, to inform us she did not want our policy and requested the cancellation of it.Ms. [redacted] requested reimbursement of her nonsufficient fund fees.We provided the appropriate documentation informing Ms. [redacted] we would be withdrawing the paymentfrom her checking account on September 13, 2015; therefore, we will not be reimbursing hernonsufficient fund fees.

Please be aware that this insurance company has questionable policies concerning their insurance cancellation and renewal procedure. My advise is to follow all of their rules to make sure you are not slugged with additional charges when NOT renewing your yearly insurance policy.

Review: I have been a policy holder with Ameriprise Auto Insurance for years. I have had no accidents or or moving violations in that time. Apparently my credit card that I had on file with them reached the expiration date back in July. I just received the letter about a passed due amount recently and no other communication regarding the issue. The customer service person said they had sent other letters out, but admitted that none of them were certified mail. I live in an apartment building and have often time received mail for other units, and even other addresses so I'm not surprised that I never received them. They have my phone number and email address and as far as I can tell, never reached out to me through those channels. I of course paid the $72.23 they said I owed and would have happily paid some sort of penalty to reinstate my policy, but since I now had a "lapse in coverage" I have a much higher insurance bill going from $772.90 to $1305.90 for 6 months of coverage. Their antiquated and unethical practices have led to my unnecessary loss of money, and while the customer service person claimed they took the appropriate legal actions I disagree. I'm fairly certain that in California these kinds of notices need to be sent certified mail. Beyond the legal issue, it's the spirit of the law they are in greater violation of. They had multiple outlets to reach out to me and failed to do so, this is an unfair and unethical business practice that should be addressed. From my understanding this has happened to many other individuals. I spoke with a customer service person who's name I can't remember and I also spoke with her supervisor [redacted] ext [redacted] who was clearly of no assistance and just kept saying that it was the company's policy. My Policy number is [redacted].

Thank you for your assistance,

###-###-####Desired Settlement: I simply want to continue with my policy that I've had with them for years, but I would also suggest that their practice of only mailing people about these kinds of things change. At the very least an email should be sent, but even text messages are becoming the norm. I know I'm not the only one who has been impacted by their practices.

Business

Response:

Re: Revdex.com File Number:

Complainant:

Policy Number:

NAIC Number:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Mr. [redacted], which we received on August 30, 2013.

We understand that he would like a more detailed explanation of why the policy was canceled. We

appreciate the opportunity to address his concerns, and we believe the following timeline will help

provide clarification:

• On May 17, 2013, we mailed Mr. [redacted] his renewal information for the July 1,2013 to

January 1, 2014, renewal term to the address on file. Included with the renewal information was

notification informing Mr. [redacted] we would be applying his payment of $772.90 to his Visa

credit card on July 1, 2013.

• On July 1, 2013, we attempted to charge $772.90 to the credit card and it was returned to us as

declined.

• On July 3, 2013, a notice of pending cancellation was sent Proof of Mail informing Mr. [redacted]

we would need payment by July 18, 2013 or the policy would cancel for non-payment of

premium.

• We did not receive payment from Mr. [redacted] by July 18, 2013; therefore, the policy cancelled

for non-payment of premium. We mailed notification of the cancellation to Mr. [redacted], along

with notification of the outstanding balance of $72.23 for the coverage we provided through the

July 18, 2013 cancel date.

• On August 23, 2013, we mailed a second outstanding balance notice to Mr. [redacted], in the

amount of $72.23 for the coverage we provided through the July 18, 2013 cancel date.

• On August 29, 2013, Mr. [redacted] contacted our Client Service department to request policy

reinstatement. We denied his request due to a lapse in coverage and break in the contract when

the policy cancelled for nonpayment of premium.

We are truly sorry we are unable to reinstate his policy after reviewing this situation a second time.

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: Mr. [redacted]

My son's car was in an accident and it is now a week and a day later and we still have not heard back from Ameriprise on our claim. Nothing. Still waiting to find out if they are going to fix it or total the car out. In the meantime we sit and wait and wonder what we are going to do for a car. I would not recommend this insurance to anyone.

Review: This involves a car accident. The insurance represented the person that hit me. The total amount for repairs is 1891.54. The insurance company concluded that their driver was 60% at fault and sent me a check for 1,044.46. I do not agree with the conclusion from the insurance company. I would like them to pay for all damages since I was not moving and the driver hit me. I would like them to reconsider their conclusion and pay for all damages.

Taked to [redacted], Auto Claims Representative, ###-###-####Desired Settlement: I would like them to send a check for the rest of the repairs for 847.08.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on January 28,2015. We understand that he disagrees with our determination of liability. We appreciate the opportunityto address his concerns.On December 28, 2014, Mr. [redacted] was involved in an automobile accident with one of our customers.The accident took place at the [redacted] parking lot in [redacted]. Our liabilityinvestigation included obtaining recorded statements from both parties along with photos of the vehicledamages. From this infonnation we concluded that Mr. [redacted] was in the act of backi ng out from hisparking spot when our insured was backing from a parking spot across the aisle.Mr. [redacted]'s vehicle damage showed scraping from the driver's side rear door to the front door, whileour insured's vehicle had damage to the driver's side rear bumper. Mr. [redacted] said he was stationary atthe time of impact, but we believe the evidence indicates that his vehicle was in motion because there wasscraping damage.We assigned 40% of the comparable negligence to Mr. [redacted] for unsafe backing. On January 21, 2015,we contacted Mr. [redacted] and offered to pay 60% of his vehicle damage. Mr. [redacted] contested ourposition that his vehicle was in motion at the time of the accident, but he agreed to settle the claim for thisamount. We issued payment to him the same day.Since receiving Mr. [redacted]'s complaint, we have tried to contact him on numerous occasions in order todiscuss this matter further, but we have been unable to reach him.If you have any questions about this information, you may contact [redacted] at * ###-###-####, Ext.[redacted].

Review: Had a problem with homeowners policy. Called and they did not return call. Here is the problem. It hailed a twice. Once in 6/15 and 7/15. I contacted homeowners to make a claim on 8/6/2015. The reason I did not call before was MY ROOF WAS NOT LEAKING!. Ameriprise denied my claim for 2 reasons..............Reason one they said no hail was found on weather reports on 8/6/2015. If they actually bothered to read my claim I said it hailed twice and on 8/6 water was leaking in my kitchen and living room and bedroom. 2nd reason..............They said hail damage likely occurred in 2014 as there was a bad hail storm and said my contractor agreed. Even if that was partially correct on 8/6/2015 my roof was leaking into some rooms in the house. So Amerprise denied my claim I guess I should have done a google before I purchased a policy with them. I have no problem paying for my own roof repair but since 3 rooms ceilings need repainting one of which is so high the painters need to build scaffiling and sheet rock removed at a cost of $2,000 this is clearly not right. Since my deduct is $1,0000 they should do the right thing and pay the remaining $1,000.00Desired Settlement: $1,000 FOR INTERIOR PAINT WORK

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on September 3,2015. We understand that he disagrees with our decision regarding the claim. We appreciate thcopportunity to address his concerns.We received the notice of loss from Ms. [redacted] on August 11, 2015. The original reporteddate of loss was August 6, 2015. We assigned ICA Claims to contact Ms. [redacted] to further discuss thescope of damage and to complete an on-site inspection. ICA completed their inspection on August 14,2105, and found hail damage to the roof.Upon our review of the policy and of the storm, we found the most recent hailstorm in Mr. [redacted]'sarea occurred on May 23, 2014, during which 1.75-inch hail was reported. Mr. [redacted]'s policy was notactive with us until February I, 2015.In his complaint, Mr. [redacted] explained that there were also hailstorms on June 15, 2015, and July 15,2015. We are unable to find any reports of hail anywhere in the state of North Carolina on these dates.ICA estimated the interior damage at $627.88, which is below the $1 ,000 policy deductible. We would bewilling to consider coverage for the interior damage if Mr. [redacted] provides us with a copy of thecontractor estimate quoted at $2,000. The estimate should be [redacted]. with"Claim [redacted]" referenced in the subject line.

Business

Response:

Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received onSeptember 15, 2015. We appreciate the opportunity to address his additional concerns.We are unable to alter our decision regarding the roof repairs, as we have researched any reported andtracked storms using professional, reputable databases ([redacted]).We received the interior estimate from [redacted]. Their estimate was for $2,000. A payment for$1,000 was issued on September 15, 2015, which reflects the deduction of the $1,000 policy deductible.If you have any questions about this information, you may contact me at ###-###-####, Ext. [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 will pay for new roof

Regards,

Just had a terrible bait and switch on my auto insurance. Jacked my rate up $800 from proposal to attempted close. Due to an "update". 20% increase over 3 days. Nice business

Review: Recently I had called in to request an auto and home insurance quote. The advisor was, what I had thought at the time, to be extremely helpful. She told me that for both, I would be paying $93 a month, plus two $1 service charges for having the money deducted from my bank account. Being that this price was $20 cheaper than my current insurance, I promptly signed up. Two days later, to my surprise, I was charged $94 and $17.

The advisor completely lied to me to get me to sign up for insurance. She told me and it was confirmed multiple times that my total for both would be $93 a month. I only found out that I would be paying $112 AFTER I was charged.

This is an absolutely disgusting business practice. My old insurance is actually cheaper than this. Why would anyone in their right mind sign up for something MORE expensive???

I urge you to listen to the phone recording of this call. You will clearly hear me ask multiple times to confirm it will be $93 a month plus two $1 service charges. You will hear multiple times, your employee telling me the total for both is $93.

Due to the lies told by your employee I am out $50 for early cancellation of my old insurance drive safe and save program, the shipping and handling to send the tracking device back to them, and am out a ton of time messing about with this.Desired Settlement: I fully expect your company to honor what your employee told me when I was signing up for this.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on February 6,2015. We understand that he would like additional information regarding his policy premium. Weappreciate the opportunity to address his concems.Mr. [redacted] received a quote for auto and home insurance policies on February 4, 20 14. We providedpremium amounts for auto and home policies separately. Mr. [redacted] requested a total monthly premiumfor both auto and home so he could compare our price to what he was currently paying. We said it wouldbe $93.05.We went on to explain that we bill differently than his current insurance company. They bill 12 monthlypayments for home insurance and 6 monthly payments for auto insurance. Our company bills 11 monthlypayments for home policies and 5 monthly payments for auto policies.In other words, our premiwn did not change from what was quoted; instead, how we divide up thepayments is different than his previous company.After receiving complaint, I called Mr. [redacted] and reviewed the billing. He said he did recall that ouragent discussed our billing process, and he acknowledged that the actual policy premium amount did notchange from what was originally quoted and sold to him.If you have any questions about this information, you may contact me at ###-###-####, Ext. [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. While I wish that the advisor I spoke with when I had called in after the charge appeared would have explained this to me, I absolutely appreciate the swift response that [redacted] took, as well as her detailed explanation.

Regards,

Review: I was hit by another motorist who was insured by Ameriprise Auto Insurance. When compensating me for the damage to my vehicle, they would not pay for the cost of a new wheel and would only cover a remanufactured wheel. My vehicle is a 2012 with less than 12000 miles. The remanufactured wheel is not covered under my vehicle's warranty, and the manufacturer of my vehicle specifically advises against using a remanufactured wheel due to safety issues.

The repairs they are recommending will render my vehicle less safe, not fully covered by manufacturer warranty, and less valuable than it was prior to the accident.Desired Settlement: I would like Ameriprise to pay for the cost of having a new wheel placed on my vehicle.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on July II, 2013.

We understand that she disagrees with our decision regarding the claim. We appreciate the opportunity to

address her concerns.

Ms. [redacted] was involved in an automobile accident with our insured on June 19,2013. We concluded our

liability investigation on June 27, 2013, and detennined our insured was at 100% at fault for the accident.

On June 28, 2013, we received an estimate from Ms. [redacted]'s body shop and authorized replacement of

the passenger side rear wheel and bumper on her [redacted]. The replacement included a

remanufactured wheel, based on industry standard repair guidelines that mandate use of remanufactured

or like kind quality replacement parts for any vehicle that is one model year old or has more than 12,000

miles on it. We issued Ms. [redacted] payment in the amount of $1,202.38 and concluded the matter.

On July 12, 2013, Ms. [redacted] informed us her body shop incorrectly listed her vehicle's mileage as [redacted]

on the repair estimate, instead of the actual odometer reading of [redacted] miles. Based on this information,

and in keeping with industry standard repair guidelines, we authorized use of an original manufacturer

wheel to replace the damaged one, which resolved Ms. [redacted]'s complaint.

On July 15, 2013, we received a new estimate from Ms. [redacted]'s body shop in the amount of $1,245.77.

We issued a supplemental payment to the body shop for $43.39, which brings the total paid on the loss to

$1,245.77. We are currently working with Ms. [redacted] on her loss of use claim, and are confident it will be

resolved without issue.

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

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

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.