Amica Mutual Insurance Company

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted] PS: weeks have elapsed since this issue beganI finally received an electronic refund this am! The phone call from [redacted] (Dallas) was confused, but provided resultsThank you [redacted]

Thank you for allowing us to assist you via the Revdex.com It appears you have spoken with your local branch who explained your policy to you in more detailThey will continue to remain available for you if you have additional questionsThanks

We are writing in response to the complaint you submitted to the Revdex.comIt’s our understanding that one of our representatives has called and left you several voicemails regarding your claimIn order to address your concerns further, please reach back out to us at your earliest convenienceThank you

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Within their response, Amica failed to address any of my experiences in dealing with their company, and only restated the fact that the policy was not paid within their time frame (they are also incorrect in that the payment was rendered on 10/and not 10/24.)This was never in disputeI was not at home to receive their October 3rd mailing, as was represented, in due dilligence, to their employee on 8/when I asked for the fourth time to change my payment details and advised them of my upcoming tripNor was I at home on October 20th, whence I was traveling and unable to access the internet, trusting that the word of their employee would be factualBut no, their company listened to my request yet failed to take action, and misrepresented their services Their method of defense was that I "successfully made payments online and via telephone"This proves nothing besides that it was out of necessity, because their administrative department proved too incompetent to provide such a basic service as processing payment details (which were confirmed as saved and authorized within their system)Out of all the representative I spoke too, all of them assured me they would be able to process payments automatically, and not one advised me that somewhere within their outdated website was a way to change my accountI'm sure in their "careful review" of my account, they would have noticed that my "file" has notes about requiring auto pay, or that I have attempted to contact their company at least times to try and change my payment serviceThey have provided no explanation nor context for why my repeated requests to change my payment service were ignored, why my online account was deleted with no explanation, why I was sent a welcome packet instead of any information about cancellationThey did not (and will not) acknowledge any of thisThey will only acknowledge that the policy was paid on x+date instead of x date, and use this fact to absolve their company of any culpability in their administrative failures that led to such a situation Regardless of whether Amica is legally obligated to provide any restitution, their business practices have been nothing but sloppy, misleading, and deceitfulA better company would want to emphasize with a paying customer's horrific experience and provide a restitutionThey have been collecting money and providing absolutely no serviceIt's not surprising that an insurance company tries to weasel out of accountability in any way possible, but, at the very least, I'm glad that their deceptive, unprofessional business practices and incompetent administration are now public recordShame on Amica Regards, Caroline Bedard

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] ]This does not resolve my issue or concern to my complaintThis practice is called bait & switchYou gave me a quote, had me sign the form and then sent me the hard copy with an increase on it month laterIf you are a respectable company you should honor the original quote Regards, [redacted]

Thank you for the follow up We have reviewed the documentation submitted and have determined that it is sufficient proof showing [redacted] did not live in your household in We will make the applicable changes and your outstanding balance will be eliminatedShould you have any further questions or concerns please contact usThanks

Thank you for contacting us through the Revdex.com as we appreciate the opportunity to address your concernsWe understand that a claims representative spoke with you today and payment has been issued for the rental charges you incurred Please let us know if you have further questions about this claimThanks

We are writing with respect to the complaint you filed with the Revdex.comWe have carefully reviewed your account and confirmed the premiums charged for the coverages in effect are correct When your son was added to your policy in 2015, he was added as an excluded operator since he was in the military and away from home At that time you signed and submitted an operator exclusion form, which needs to be submitted with each policy renewal if an operator is to be excluded Your renewal was issued without the exclusion of your son, rating him as a driver in the household When you reached out to us to advise he was still away and wanted him to removed from the policy as he did not live with you or drive your vehicle, we complied with your request to remove him and your premium was updated accordingly With respect to rating your vehicle with business use, based on your recent confirmation that you no longer use the vehicle for business, we updated the policy moving forward and the premium has been adjusted in accordance with this changeWe welcome you contacting us at your earliest convenience to talk through your concerns, as we have been unsuccessful in reaching you to discuss this matter

Revdex.com:I have recently spoke to the business rep and we have become aware that the previous rep and the supervisor, [redacted] ***, Had provided the wrong information at the time of the disputeThe recent rep has clarified exactly how and why things unfolded the way it didI am satisfied and understand what happened I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted]

Thank you for contacting us through the Revdex.com as we appreciate the opportunity to address your concerns We regret that you feel our investigation took too long but hope that you understand the need for us to thoroughly investigate before accepting liability We understand that this matter has now been resolved and hope that you are satisfied with that resolution If you have any additional questions, please let us knowThanks

This is in regard to the complaint you filed with the Revdex.comWe look forward to receiving the documents you will be sending to our local office as indicated in your recent emailOnce they are received, we will contact you to work toward a resolution of your complaintIf you have any questions, please feel free to reach out to our local office

Thank you for contacting us via the Revdex.comWe looked into this and found that the notes from when the policy was purchased indicate that you denied an increase in loss assessment coverage for the policy at that timeWe understand that you spoke with one of our representatives last week and were informed that condo association fees are not covered as part of your policyIf you have further questions, please don’t hesitate to reach out to usThank you

We have reviewed our records and note your automobile policy was canceled for non-payment of premium, resulting from payments not being successfully drafted from the banking account you provided at the time of your initial application of coverage We attempted to contact you via telephone in November of and a cancellation notice dated December 18, was mailed to your address of record noting that the policy would be cancelled if payment wasn’t received by December 31, When you contacted us on January 12, 2016, we advised the policy had been cancelled and we would need to take a new application for coverage under a new policy At that time, you paid the outstanding premium owed for the cancelled policy and we set up a new policy effective January 13, The premium increase on your new policy is primarily attributable to your loss that occurred on July 27, When we originally wrote your policy in September, this loss was not yet chargeable as it occurred in the three months preceding the effective date of the policy With your new policy effective in January, the loss is now chargeable The loss will still only be charged for three policy periods Please feel free to contact us with any additional questions or concerns regarding this matter

We are writing with respect to the complaint you filed with the Revdex.com on February 3, You reported the referenced motor vehicle accident to Amica on December 10, You reported you pulled out of the [redacted] parking lot and made a right turn into the right lane on [redacted] Avenue when your vehicle was struck on the driver’s side near the headlight On January 20, 2017, after having completed our investigation, we informed you due to the conflicting versions of the incident with no impartial witnesses, we were unsuccessful in our attempt to recover your deductible directly from the other party’s insurance carrier We also informed you, however, that we did not find you at fault for the accident The personal auto policy allows Amica to settle or defend claims, as we consider appropriate As discussed, Amica has filed arbitration against the other party’s insurance carrier and we now await the arbitration decision If the arbitration decision favors Amica, your deductible will be returned in whole or in part depending on the particulars of the decisionWe will contact you to further discuss the matter once the decision is received regardless You have a right to retain an attorney, at your expense, to protect your interests This is a statement of your rights, not an instruction to do so Thank you for your continued cooperation and we look forward to serving you in the future

We are writing with respect to the complaint you filed with Revdex.com on April 22, We have carefully reviewed your account and confirmed the premium charged is correctAccording to our records, the change to add your son was issued on March 29, for an effective date of March 30, This change revised your remaining outstanding balance to $4,296.00; therefore, your remaining six monthly installments increased to approximately $ We issued an invoice on March 30, for $due April 19, After the March invoice was issued we received documentation that your son was insured with a separate carrier; therefore, we backdated a change on April 5, to remove him effective March 30, On April 5, we also backdated the removal of your [redacted] SRT-effective March 27, In addition, you added a [redacted] to your policy on April 17, These three aforementioned changes updated your outstanding balance to $3, On April 19, you made the payment for $This payment reduced your outstanding balance from $3,to $2,This payment also reduced your remaining five monthly installmentsPending no additional policy changes, your remaining five monthly installments will be four payments of $and one last payment of $ We apologize for any confusionPlease understand that since we removed your son the same day he was added to the policy on March 30, 2017, there was no additional charge for him as an operatorIf you have any additional questions, please let us know

Dear Mrs***, We are writing with respect to the complaint you filed with the Revdex.comThank you for taking the time to speak with us regarding the cancellation of your policy and the issuance of a new policyAs discussed, we have carefully reviewed your account and confirmed the premiums are correct and in accordance with our filed rating plan in New Hampshire Additionally, the procedures used to provide you with a new automobile policy were also appropriate and in accordance with our policyWe note you used our on-line chat feature to communicate with two of our representatives initially and we explained the process of writing a new policy for your automobile insurance needs While we are sorry to hear you feel you were treated poorly, the information given to you was correctYour account was in delinquent status for some time and several notices were sent before ultimately leading to the policy cancellation Once a policy is cancelled for non-payment of premium, a new application for coverage is required and the premium is based on the filed rates and rules effective at the time of the new application for insurance We thank you again for taking the time to discuss this with us and look forward to continuing as your insurance provider

We are writing with respect to the complaint you filed with the Revdex.com Vehicle garaging is one of the many factors used to determine insurance premiumsFor your review, the “Colorado Private Passenger Automobile Insurance Summary Disclosure Form”, included as part of your renewal policy, outlines reasons your premium may increase including changes to vehicle garaging On October 5, 2017, you called Amica to advise us of a pending address changeIn an effort to properly update your account, we attempted to reach you several times in January, February, and MarchWhile we were delayed verifying your address, and despite assessor information indicating your address changed in November, we updated your policy with the information you provided effective March 7, Since the initial delay was unintended, and as it would have resulted in a greater premium increase, in the spirit of customer service we did not backdate the address change While we understand updating your address resulted in a premium increase, we are obliged to accurately code your policy and account based on information you provide to usWe appreciate you taking the time to discuss this matter further and have cancelled your policy as requestedPlease be assured, since the policy was cancelled April 21, 2018, no further changes will be processed We are disheartened to see you leave our company under these circumstances, and thank you for your businessShould you like to discuss this matter further, please do not hesitate to reach out to our local office

We are writing in response to the complaint you filed with the Revdex.com.With regard to your Automobile Insurance policy, we recognize there was a difference between the quotation you were initially provided and the actual premium to insure your truck As indicated on the quotes provided to you, proposals are subject to change and are not an offer of coverage Additionally, the electronic Application for Automobile Insurance that you signed is a request for coverage It is neither a contract, nor is it reflective of premium Prior to issuing the policy, the quotation for your truck was reviewed, and corrected in accordance with our current rates In the event a quote changes, it is absolutely our intention to reach out to our customers prior to the policy being issuedUnfortunately, our records indicate you were only notified upon receipt of the policy contract With regard to your Homeowners Insurance policy, when the policy was issued, we provided proof of insurance to your lender After your November 22, conversation with our office, we contacted your mortgage company via telephone to confirm proof of insurance Subsequently, updated insurance documents with the corrected mortgagee clause and loan number were faxed to your mortgage company’s insurance departmentWe thank you for your feedback and look forward to assisting you with any other insurance matters

We are writing with respect to your complaint filed with the RevDex.com.We have carefully reviewed your account and note your Amica automobile and homeowners policies were first written in May of 2016. In the state of Georgia, Amica automobile policies are offered only as dividend... policies. For homeowner policies, insureds have the option to choose either a dividend or non-dividend policy. Our records indicate the homeowner policy quotes provided to you did not reflect a dividend and in the application you and your husband signed, the non-dividend policy option was chosen. Accordingly, the policy was issued as a non-dividend policy, policy declarations indicated the non-dividend option and the annual homeowner policy premium paid was in accordance with this option. Unfortunately, the homeowner policy issued in May of 2016 is not eligible for a dividend. We are committed to providing you with not only the best personal insurance protection, but also with the best service. We understand your frustration and apologize if there was a misunderstanding during the Chat in which both automobile and homeowner dividends were discussed. We thank you for taking the time to discuss your policy options with us again on August 16, 2017 and welcome you to reach out to us if you need further clarification or decide to make any changes to your policies moving forward. Should you wish to, feel free to contact us at [redacted] .

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Regards, [redacted] ***