Amica Mutual Insurance Company

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. 
I did ask for that to be added to my policy.  please pull up the telephone conversation from when I first signed up.  you all are liars and I will be changing companies asap.
Regards,
[redacted]

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.Thank you. Enjoy your Thanksgiving.
Regards,
[redacted]

Thanks for giving us the opportunity to address your concerns through the Revdex.com. We understand that one of our representatives has reviewed your claim and a reimbursement for the double billing will be issued to you. If 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 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]

Thanks for giving us the opportunity to respond via the Revdex.com.  The Life multi-line discount is a percentage discount which is applicable to specific coverages under your policy.  The quote for the $270 multi-line discount was given before changes were made to reduce the premium amount....

 Since the premium on the applicable coverages decreased, the life multi-line discount decreased to $136.  Please also note that your Automobile policy renewed with different rates on August 1, 2016, so the discount was also subject to different premiums at that time.  A Senior Account Manager from the Denver Regional Office contacted you on August 8, 2016 to discuss your specific concerns, and answer any questions you may have.  She was unable to reach you so she left a voicemail.  Please feel free to reach out to her or please advise us of a convenient time to reach you to discuss your concerns.  Thanks.

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 complaint. This practice is called bait & switch. You gave me a quote, had me sign the form and then sent me the hard copy with an increase on it 1 month later. If 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 2015. We will make the applicable changes and your outstanding balance will be eliminated. Should you have any further questions or concerns please contact us. Thanks.

We are writing with respect to the complaint you filed with the Revdex.com.We have carefully reviewed your account and note your automobile policy coverage started February 13, 2017.  Since that time, you have submitted a claim under that policy and a payment was made towards the...

annual policy premium.  Our records indicate we were contacted in June of 2017, and again in July by you and your father, respectively, to advise the insured vehicle should not have been listed under your policy. In August 2017, we were able to confirm the vehicle was insured with another carrier effective April 26, 2017 and agreed to backdate the cancellation of your policy to that date.  As we indicated to you on August 16, 2017, we would be in contact if there was an outstanding balance. On August 22, 2017 you were advised by our representatives that the earned premium due of $163.67 is based on the cancellation date of April 26, 2017.  This premium due is for coverage provided during the time your policy was in effect. If you have any questions or further clarification is needed, please reach out to us, as we would be happy to discuss further.

We are writing in response to your comments filed with the Revdex.com. We reached out to you yesterday, March 27, 2017, to address your questions further.  As discussed, this is an automated system.  When a payment is due on a Sunday or Monday, Amica.com will display the payment as the Saturday prior.  In your specific case, it is the 18th.  However, we do not initiate the payment with your financial institution until Monday the 20th and this is also the date that payment is extract from your account.  This will occur again in May when your due date falls on a Sunday. Please contact us if you have any additional questions or concerns.  We thank you for continuing to work with us and appreciate your time.

Thank you for reaching out to us. We’re disappointed that we haven’t met your customer service expectations and understand that one of our representatives reached out to you this morning in order to discuss the refunds further, as well as answer any questions you may have. ...

At this time, three of the four refunds have been issued in accordance with the applicable policies and the last refund is being worked on at this time. Please note that refunds for jointly titled polices are issued to all named insureds and sent to the address of record for those policies.

We are writing with respect to the complaint you filed with the Revdex.com and your rebuttal.  We have further reviewed your account in hopes to better address your concerns. We note when your policy was rewritten in January of 2017, a welcome to Amica packet was issued and billing options were discussed. You were not added to the Automatic Payment Plan at that time and regularly used alternative payment options to ensure your policy remained in good standing.  We also recognize that while your online account was never deleted, in May of 2017 you were prompted to contact us to assist you in accessing the account. Additionally, while the notice of pending cancellation, dated October 3, 2017, was sent to your address of record, it appears it was during the time you indicated you were away.    You indicated you are not happy with the service you received and since these events occurred, have chosen to place your automobile insurance with another carrier.  While these events could not necessarily have been avoided, we understand how they could cause frustration and for this, we offer our apologies . As a company that strives for excellence in customer service, we want to assure you we have not taken your experience lightly and apologize for any inconvenience you have experienced. If you would like to discuss your  experience further, we welcome you to contact us.

We are writing regarding additional correspondence associated with your Revdex.com complaint. In an effort to provide insureds with a comprehensive policy, as a courtesy to our policyholders, it is customary for Amica to assist in determining the dwelling coverage amount by using tools, such as replacement cost estimators and inspections.  These tools utilize total square footage to assist in calculating an estimated replacement cost.  As you can imagine, in the event of a total loss an insurer would look to rebuild the entire home, not just the living area. While we work with our insureds to provide appropriate coverages, it is ultimately the insureds responsibility to determine and maintain proper coverage limits. In the spirit of transparency, we communicate this understanding to insureds in annual renewal packets and welcome you to contact us if you would like help in making those decisions.  Your reaching out to us in January resulted in additional review, learning more specific details regarding your property, and ultimately adjusting your coverage.    If you wish to learn more about the determination of the estimated replacement cost of your home, we welcome you to contact us.

Thank you for contacting us via the Revdex.com as we appreciate the opportunity to address your concerns. Your payment was found and we are reinstating your homeowners policy back to the date it was cancelled for nonpayment so there is no lapse in coverage. We...

apologize for the inconvenience this has caused andunderstand that one of our representatives has left you a message to discuss this. If you have further questions, please let them know. Thanks.

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. 
 Response to Complaint # [redacted]. I do not live with my parents.
Regards,
Cherry [redacted]

We have carefully reviewed your account, agree with your concerns and will be refunding the $3 service fee. Thank you for bringing this matter to our attention and allowing us to rectify the issue. If you have any additional questions or concerns, please feel free to reach out to your local...

office.

Thanks for reaching out to us. Our insured has retained an attorney and we are working with them on this claim.

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. 
Amica is not trying to settle the issue amicably. I produced market values of my car after repairs. The dates of offer shows that it was after repairs. Since my car in a premium brand car and will have more diminished value. I reject the words of Amica describing the quotes as Trade-In, which is not true. These are values given for sale of the car, if I want to sell with out any trade-in. If Amica feels that the quotes given by me were not actual, I asked Amica associates many times to suggest ant authorized car dealer where I can get my valuation done but they never responded to that. Even though I am not in agreement with their proposed NADA value , there is $7000 diminishing value from NADA to my current market value due to accident. I cannot accept Amica's offer of just $4500 and give letter of Release. I can give letter of Release if they pay me $10000 + $500o for mental agony and waste of time, I will give LoR. I can accept for less amount, if Amica gives me letter saying that I can re-opne the claim if I sell the car in next 5 years and can claim for difference from NADA value and sale value, if I get less. This proposal was suggested by their own associates. I need it writing as LoR will not provide me an opportunity to claim in future. If they can't provide this letter, it is cheating customers by saying/promising something over phone and not committing in writing. They can listen to tape conversations where their associates spoke to me and informed me about this, as they recorded all telephonic conversations for training and other purposed.
Regards,
[redacted]

Thank you for contacting us via the Revdex.com. We 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 time. We 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 policy. If you have further questions, please don’t hesitate to reach out to us. Thank you.

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]

We are writing with respect to the complaint you filed with the Revdex.com.We have carefully reviewed your account and now recognize your property in Noble, Oklahoma is not a mobile/manufactured home. When reviewing your homeowner policy prior to renewal, we accessed the Cleveland...

County Central Appraisal District records and erroneously interpreted information about your primary residence as being applicable for your property in Noble. We apologize for the confusion.However, as our Notice of Non-Renewal notes, your property in Noble is non-owner occupied and thus, not eligible for a homeowner policy with Amica. For this reason, we are not in a position to continue coverage for this location and as indicated in the notice, the policy will expire January 14, 2016 without renewal.Please feel free to contact us should you have any further questions.