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

We are writing with respect to the complaint you filed with the Revdex.comAfter carefully reviewing your account, we agree to backdate the cancellation of the policies to the inception, September 1, 2015, which will void out all outstanding balances associated with your account at
AmicaWhile we attempted to secure signed applications on several occasions, you did not complete the applications or pay any premium for the homeowners and automobile policies; thus, it appears there was a misunderstanding binding coverage for youWhen you contacted us in November of 2015, we requested proof of coverage elsewhere prior to backdating the cancellations to ensure you would not have any lapses in coveragesSpecific to your automobile coverage, given Amica reports policy coverages to the North Carolina Department of Motor Vehicles (DMV), it is customary to secure confirmation that coverage was in fact in place with another carrier prior to backdating a cancellationIf coverage was not continuous, it could cause a hardship for consumers with respect to the DMV If you have any questions, we welcome the opportunity to assist you further in order to assure all issues are resolved

We received your latest response to the Revdex.com Since an attorney is involved with this claim, we are required to communicate directly with them and will continue to work with them on this claim

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 time coverage was in place are correctPer your request, we cancelled your Automobile, Homeowners and Umbrella policies in April
of Reconciliation of owed premium occurred on a per-policy basisTherefore, at that time, refunds for your Homeowners and Umbrella policies were issued to youYour Automobile policy still had a balance due resulting in continued billing notices We apologize if this application of payments was not explained to you at the time of your request to cancel your policies. However, the balance due on your automobile policy is indeed correctPlease reach out to us at your earliest convenience if you would like to discuss your account in more detail

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 # ***Please add your rejection comments below.
[Thanks for the replyHowever, its still not clear to me how the balance was accruedWhen I cancelled my home insurance policy, I was told that I would be credited for the remaining days on my policy, instead, I was sent a billHow can this happen? To make the matter worse, I am not able to view my bills online anymorePlease send me appropriate documents (bills) where it shows I had balance due.]
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. I do not recall the disclosure provided to me back in 2012, but I know that if I had been informed I would have added it to my policyI'm really disappointed, because I know that I had made changes to my policy after that date, adding renters insurance and increasing my liabilities, I think that one of the representatives would have offered the glass protectionWhy wasn't it known, I know that companies try to get customers to add additional items to increase the dollar amount spent, so the company can growI really find it hard to believe that this wasn't the case
Regards,
*** ***

We are writing in response to the additional questions you posed regarding your Better Bureau Business complaint. We are hopeful this additional information provides clarity, but if you would like to discuss this process further, please feel free to reach out to usWhile you have been removed from Amica’s internal mailing lists, there are other mailings lists used that are not managed by Amica. Under the Fair Credit Reporting Act (FCRA), Consumer Credit Reporting Companies (***, ***, *** and ***) are permitted to include your name on lists used by creditors or insurers to make product offers not initiated by youThe intent is to ensure that consumers have access to product information for credit and insurance products. The FCRA also provides you the right to “opt out” which prevents Consumer Credit Reporting Companies from providing your credit file information used to initiate product offers. In accordance with the FCRA, you are the only person who is authorized to opt-out from receiving these offersIf you choose to opt-out, you will no longer be included in offer lists provided by the four consumer credit reporting companies listed above. By continuing to oyou will remain one of the many consumers who can benefit from having ready access to product information on credit and insurance products that may not be available to the general publicWith respect to your credit information, in the process of determining which consumers will receive product offers, the consumers credit information is accessed. However, Amica does not obtain a credit score during the selection process and these types of inquiries do not affect a consumer’s credit rating in any way If you do not want to receive prescreened offers of insurance from Amica and other companies who make similar inquiries, please call the consumer reporting agencies toll-free at 1-***; or visit the website at www.***. If you prefer to make your request in writing, you will need to write to each credit bureau individually at: *** Target Marketing, ** *** *** *** Parkway B2, Allen, TX 75013; *** Options, ** *** ***, Atlanta, GA 30374-0123; and *** *** Opt Out Request, ** *** ***, Woodlyn, PA 19094-0505. Again, thank you for the opportunity to clarify some of this process. Please contact us if you wish to discuss it further

Thanks for giving us the opportunity to respond to your concerns via the Revdex.comWe understand a representative from our Massachusetts branch spoke with you today about a plan of action for this moving forwardIf you have further questions, please don’t hesitate to reach out to himThanks

We are writing regarding the complaint you filed with the Revdex.comYour recent request to re-evaluate your Dwelling Coverage limit is appreciated. It has provided us the opportunity to clarify the difference between market value and estimated replacement cost, as well as
complete a more detailed interior inspection than the exterior inspection that was completed when you first insured with us in 2005. The recent inspection confirmed the footprint of the home, and the total square footage is the same as when the home was inspected in It is important to note total square footage, as opposed to living area, is just one of many factors used to estimate the replacement cost of a home. Your Homeowners Policy allows for an annual coverage adjustment to account for changing cost of labor and materialsWe invite our policyholders to contact us each renewal to discuss and review their coverage optionsWhile we empathize with your frustration, please keep in mind the customer and the company share in the important duty of establishing and accepting the Dwelling LimitPlease feel free to contact us directly if you would like to discuss this further

Thank you for contacting us via the Revdex.com as we appreciate the opportunity to address your concernsWe understand that you spoke with one of our representatives and a payment has been issued for your claim. We hope this resolves your complaint, but if you have further
questions or need additional information, please don’t hesitate to reach out to usThank you!

We
are writing in response to the complaint you filed with the RevDex.com regarding an outstanding balance on your expired homeowner policy.We
have carefully reviewed your account and have confirmed the bill you received
for $is correct. As discussed with you on November
and November
29, 2015, this bill represents the balance due on your homeowner policy which
expired August 15, 2015. As
of August 27, 2015, $was owed on the expired policy. At the
time your payment of $was received, your renewal homeowner policy was in
cancellation status. To prevent cancellation of your renewal policy,
rather than applying the entire $to the expired policy, we applied $
of the payment to the renewal policy, ensuring coverage remained in
force. This resulted in a remaining balance of $on the expired
policy. Our records indicate when you contacted us in October to
request cancellation of your homeowner renewal policy, we spoke only about the
outstanding premium owed on the renewal policy. It appears we did not
address the premium owed on the expired policy and apologize for this
oversight. We
trust this information clarifies the billing of your homeowner policies and we
welcome you to call us to discuss any additional questions you may have

We are writing with respect to your additional comments related the complaint you filed with the Revdex.comYour Amica policy was effective from February 13, to April 26, 2017. We have again confirmed the policy’s April 26, cancellation date is appropriate based on the date you placed coverage with another carrierWe acknowledge your payments made toward the policy, which include the $received on March 24, In addition to the premium you have already paid, $earned premium is still owed for the time coverage was in effect. We have e-mailed you separately with specifics as to the monies owed for while coverage was in place If further clarification is needed, please reach out to us so we may discuss further

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 # ***Please add your rejection comments below.
[Insurer has failed to deliver Satisfactory results on claim reported over years ago even with insured's attorney which is why this claim was filed.]
Regards,
*** ***

Thanks for giving us the opportunity to respond to your concerns via the Revdex.comWe have added you to our do-not-mail list so you should no longer receive any direct mail from us at the address you provided

We are writing in response to your rebuttal with the Revdex.com. First, we would like to confirm that customers who are enrolled in e-billing and e-policy do indeed have the ability, through Amica.com, to order ID cards and have them mailed to a physical addressIn addition to your requests through Amica.com, we have also confirmed ID cards were sent from your local office to your address of record multiple times since your recent inquires. We are sorry to hear you are having trouble receiving these and we welcome you to contact us if you would like to discuss further

We are writing with respect to the complaint you filed with the Revdex.com on September 7, A representative has reached out to you and worked with you to resolve this claim to your satisfactionIf you have any further questions, please let us know

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 # ***Please add your rejection comments below.
I SPECIFICALLY requested a $deductible when I asked for this policy I asked "for exactly the same coverage and deductibles that I had with my previous company, ***" Your representative confirmed that your notes say this The person who helped me when I purchased my policy only asked me for my agent's name and phone number, and a copy of my insurance card, which I provided They said they would take care of it They verbally confirmed with me that I had the same coverage and $deductibles I had no reason to believe that they would then type up the contract for a different amount All I asked was that you meet me half way, and you pay $of the extra $and I'll pay the other, since we both have responsibility in this error You in typing up the policy for a different amount than what I asked for and what your agent said I was getting, and me for not checking to make sure they typed it up correctly before I signed it THAT would be the responsible thing to doI cannot believe you are so adverse to taking responsibility for your agent's actions, when I can take responsibility for my part I ask you to please reconsider my proposal, in the name of your ability to provide honorable customer service
Regards,
*** ***

We are writing with respect to the complaint you filed with the Revdex.com After carefully reviewing your account, we regret to advise we are not in a position to continue your homeowners policy During the development of your application for Homeowners coverage you
indicated the roof on your home was in good conditionWe agreed to issue a homeowner policy for your residence effective October 1, 2016, and advised that continuation of coverage would be subject to our customary inspection of the homeThe inspection of your home conducted on October 30, 2016, revealed the roof and gutters showed signs of lack of maintenance and were in poor conditionSince these conditions substantially increase the probability of future losses, we issued a cancellation letter indicating your policy would terminate on December 27, As our cancellation letter stated, should you wish assistance placing coverage through the Rhode Island Joint Reinsurance Association (RIJRA), our representatives are available to help you with an inquiry if you have not already made arrangements for insurance elsewhere

We are writing in response to the billing complaint you filed with the Revdex.com regarding your Amica automobile policy.After thorough review of your account and your complaint, we have determined the outstanding balance of $for your expired policy is accurate.On July 18, 2015, you
contacted us to obtain a quote for your son to be added to your automobile policy. Our records indicate you advised he had moved back in with you, thus becoming a resident of your household The Motor Vehicle Report we ordered for your son on July 18, indicated he had a valid driver’s license and we provided you with a quote for the policy changeYou informed us at that time a discussion with your son needed to take place prior to proceedingWe followed up with you and left voice messages on July 28, 2015, August 5, 2015, September 28, and November 3, 2015, as we had not heard from you regarding this change. On November 3, 2015, we also sent you a letter explaining that we would add your son, who you advised was a resident of your household and did not have automobile insurance elsewhere, to your policy if we did not hear from you by November 17, 2015.The intent of listing all household operators who are not insured elsewhere is to simply ensure that all operators the policy provides coverage for, and should be rated on the policy, are listed accordingly. On November 8, 2015, you contacted us to advise your son no longer resided in your household. We asked for documentation to support your son no longer resided in your household or that he was insured elsewhere. Following our standard procedure, as we did not receive any documentation, we added your son to the policy as an operator effective December 3, The policy change resulted in an additional premium of $from December 3, to policy expiration on January 1, You then contacted us on January 1, 2016, initially to ask about the $installment notice with a due date of January 4, and then you requested to cancel your Auto policy with us effective January 2, We would gladly review any documentation you may have that supports your son being insured elsewhere on from December 3, to January 1, 2016, and make applicable changes at that time We look forward to hearing from you in order to assure all your concerns are resolved

We received the latest comments to our response and we don’t have any additional information to provide through the Revdex.com Based on the available information, we are maintaining our previously discussed position Our local branch remains available to further discuss this matter if you like