Amica Mutual Insurance Company

We are writing with respect to the complaint you filed with the Revdex.comWe have carefully reviewed your account and the policy change that was recently madeAt your request, we quoted to add a new vehicle to your Amica policy and at the same time quoted to add your fiancé and his vehicles to your New Hampshire Amica policy, removing them from his Massachusetts Amica policyMoving your fiancé’s automobile coverage from a Massachusetts policy to New Hampshire was the correct process, as we understand his vehicles were already registered here in New HampshireIt does appear the premium change you were initially provided was incorrectly relayed to you when discussing the multiple changes and payment plan options, and we apologize for this Once all the information necessary to accurately rate your new vehicle was obtained, including verification of the vehicle identification number, we proceeded with the policy changes which included combining your fiancé’s policy with yoursThe rate has been reviewed and is correctWe would be happy to review your policy with you to discuss any coverage, payment or discount options for possible premium savings

We are writing with respect to the complaint you filed with the Revdex.comWe have carefully reviewed your account and note your Amica automobile policies have always provided you with comprehensive coverage, including many optional coverages, such as glass coverage We have confirmed, however, at the time of your recent windshield loss, the “Other Than Collision” coverage afforded by your automobile policy, and applicable to your glass claim, was subject to a deductible Of course we strive to ensure our customers are aware of available coverages Included with applications and renewal policies are Information Digests that provided explanations of coverage options available to you in your particular state We encourage you to review this information or reach out to us to discuss and review your account at any time We note your policy has been amended to include the “full glass” coverage which, at this time, does not apply a deductible for a covered glass loss We are appreciative of your loyalty to us over the years and again ask that you contact us regarding any questions that may remain

We are writing with respect to the complaint you filed with the Revdex.comWe have carefully reviewed your Amica automobile renewal policy and have determined that the premium you are being charged is correctYour renewal premium is being impacted both by a statewide rate increase Amica filed for in Florida, as well as a change in your rating levelWe appreciate you taking the time to review your policy with us on October 23, in order to address your concerns As discussed, we have applied all discounts that you are eligible for based on the confirmed safety features of your vehicle and your billing preferenceWe apologize if at any point you were provided with inaccurate information and appreciate your patience while we identified the reasons behind the premium increase Additionally, we thank you for your loyalty to Amica over the years and invite you to reach out to us with any additional questions you may have

We are writing with respect to the additional comments you submitted regarding the complaint you filed with the Revdex.com We recognize there was a delay in processing the vehicle change on your policy, but assure you coverage has been in place for your newly acquired vehicle since you contacted us in July.On July 10, 2017, we sent you a Rhode Island identification card for the vehicleOn the same day, we provided your loss payee and lessor documentation confirming coverage was in place for your new vehicle effective July 10, As coverage has been in place for your newly acquired vehicle since July 10, 2017, premium for the coverage has been earned and billed accordingly.If you have any additional questions or we can be further assistance to you, please do not hesitate to contact our local office

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 belowAMICA offered no reasonable or logical explanation for the 50% reduction in discount Any explanation was vague and only explained a 20% reduction not the 50% that was applied AMICA Refuses to share any details on how they arrived at their figure and until they do so, they are able to practice bait and switch tactics freely They quoted at a competitive rate and now they are higher than both other quotes I received Regards, [redacted]

We are writing with respect to the complaint you filed with the Revdex.com.Let us first apologize for any inconvenience our delay in processing your policy change causedOnce the delay was recognized, we processed changing your vehicle and remedied any insurance verification issues with the Rhode Island DMV When we spoke with you in July of 2017, we discussed and quoted many vehicle change options with you The appropriate documentation binding coverage on the vehicle you were purchasing was sent to you and your lender, indicating coverage was in placeWhile processing your policy change was delayed, resulting in delayed billing, coverage has been in place for your newly acquired vehicle effective July 10, and premium for that coverage is earned.If you have additional questions, please feel free to reach out to our local office

We are writing with respect to the complaint you filed with the Revdex.comWe would first like to express our condolences and apologize for any frustration this matter has causedThe policy written for the property in question listed your sister as the only named insured and named insureds are the only parties that have authority to make policy changesWhen an insured passes away, changes can only be made by the executor or executrix of the estateWe recognize that you were listed as an additional insured on your sisters policyWhile being an additional insured provides policy coverage, it does not provide authority to make policy changes, including cancelling the policy As we were unable to verify an authorized representative of the estate, we were unable to process your cancellation requestThe policy was subsequently cancelled for non-payment of premium effective October 2, resulting in the balance dueWe would be happy to discuss this furtherPlease feel free to reach out to our local office

We are writing with respect to your complaint that was filed with the Revdex.comWe apologize for any inconvenience this may have caused you. After our recent discussion, as you have not yet received the check reimbursing you for the draft, a stop payment is being placed on the
check and the funds will be returned to your bank account.Thank you for bringing this matter to our attention and we appreciate your patience in rectifying the situation

Thanks for giving us the opportunity to address your concerns through the Revdex.comWe understand that you spoke with one of our representatives and this matter has been resolved to your satisfactionPlease let us know if you have further questionsThanks

Thank you for your replyWe have carefully reconsidered your proposal and stand by our initial assessmentPlease contact us if you wish to make any changes to your future coverage

I am enrolled in e-statements, but I did specifically request via my account on Amica's website that ID cards be mailed, it showed my address to confirm the address where ID cards will be mailedThey were never sent until I contacted Amicia multiple times after thatThis happens every year, I do not have a printer so I go online to request them be mailed. 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 # ***
Regards,
*** ***

We would be happy to forward
you documentation supporting the outstanding balance due. We will contact
you directly to discuss the best approach to reviewing your account with youThanks

Please accept this as our response to your rebuttal to your Revdex.com complaintPrior to 2012, the full glass coverage option was not available in Amica’s California automobile policies When it became an available coverage option, we notified our policyholders via a disclosure notice advising of all new coverage offerings available to you at that time. This notice was in the opening pages of your renewal policy As indicated in our previous correspondence, this coverage option has also been included in the Information Digests sent annually with your renewal policies which provides explanations of coverage options available to you in your particular state. We appreciate your loyalty to us over the years and encourage you to reach out to us with any questions that remainRegards,

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 # ***.
I did request them twice through the website, but they were not sentThis happens every year I request them via the website, they are not sentThen I have to call Amica and have them sent because they are not sent when they are requested via the websiteIf you don't sent out the cards when someone requests them on the website remove that option so that when someone requests them be mail they are not thinking they would actually be mailed. The customer service rep who replied to my request to have them mailed, emailed me a link to view themWhen I ask them to mail them to me don't emailed a link to view themI replied back to the rep who emailed me a response and they never responded backI finally did get the cards in the mail after requesting them times via the website and then sending messages via the website requesting them.
Regards,
*** ***

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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

Thanks for giving us the opportunity to respond via the Revdex.comAmica Mutual Insurance has been attempting to amicably resolve this claim for the perceived diminishment in value (DIV) to the *** Asince 4/21/16, when the full extent of the vehicle repairs were known The claimant initially
demanded $10,and then lowered his demand to $7,with an unwillingness to settle for anything less than his figure The vehicle has been fully repaired with Original Equipment Manufacturer (OEM) parts and only sustained minor unibody structural damage, which has also been repaired by his body shop of choice We have made multiple offers to settle the DIV claim, the first being on 4/21/16 and last on 6/29/ Our full and final offer has been reaffirmed to him a number of times since 6/29/16, most recently on 7/18/ Amica Mutual Insurance remains willing to settle the DIV claim on behalf of our policyholder with a signed property damage release

We are writing in response to your recent correspondence to the Revdex.com regarding your Amica Automobile Insurance PolicyWe have carefully reviewed your account and confirmed your policy was cancelled August 9, for nonpayment of premium. Prior to the e-mail notification
you received on August 2, 2017, we mailed a reminder notice and cancellation notice to your physical address of record on June 27, and July 18, 2017, respectively Unfortunately, despite our attempts to notify you of the payments due to avoid cancellation, payment was not made prior to the scheduled cancellation date, thus the policy cancelled The payment made on August 20, was accepted as partial payment of the net earned premium still owed on the cancelled policy. As discussed on September 3, 2017, a new policy has been issued for you effective September 4, 2017. This new policy has the same annual premium and coverages as the cancelled policy If you would like additional information or have further questions, please feel free to reach out to usThank you!

Thanks for giving us the opportunity to address your concerns through the Revdex.comSomeone from our branch will be contacting you today with more information and to discuss the next stepsThanks

Thank you for speaking with us on September 23, to discuss your concerns As mentioned, our requirement of obtaining a full year’s premium is attributed to your policy having been cancelled for non-payment of premium and was unrelated to your claim from Furthermore, the cancellation
date of your policy being exactly one year from the date of your loss was simply a coincidence. If you would like to further discuss your insurance needs and the recent automobile quote we provided, please feel free to contact us

We are writing with respect to the complaint you filed with the Revdex.comAs we pride ourselves on customer service, your experience naturally raised concernsWe carefully reviewed your account, and assure you that our representatives did not prematurely terminate calls when speaking
with youFortunately, we were able to reconnect with you to provide you with an explanation of your current policy and renewal policy premiums, which we have confirmed are accurateYour current policy has an outstanding balance due and a copy of your account information, including a schedule of all payments, dates received, and the outstanding premiums have been forwarded to you in a separate email communicationWith regard to your renewal policy, Amica’s Homeowners policies automatically renew unless you notify us otherwiseThe renewal policy premium did increase as a result of factors our representatives discussed with you and the renewal packet included the appropriate Rate Increase Notice for HomeownersIf you do not wish to accept the offer of renewal, or have any questions, please contact us to discuss. If you do not notify us of cancellation or any changes, the policy will renew as presented to youIf you are in need of further assistance, please contact our office