Amica Mutual Insurance Company

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 caused. Once 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 place. While processing your policy change was delayed, resulting in delayed billing, coverage has been in place for your newly acquired vehicle effective July 10, 2017 and premium for that coverage is earned.If you have additional questions, please feel free to reach out to our local office.

Thank you for contacting us via the Revdex.com. We appreciate the opportunity to address your concerns. We're sorry about your experience and understand that you spoke with one of our representatives on Friday and he explained your coverages and followed up with an email as...

you requested. If you have further questions, please don’t hesitate to reach out to him. Thank you.

Thank you for the opportunity to respond to your concerns via the Revdex.com. We apologize for the service delay and inconvenience you have experienced and understand that one of our representatives reached out to you to discuss this. During this conversation, they also offered a rental car for up to...

2-days. Please let us know if you have further questions or concerns. Thanks.

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].

Thanks for giving us the opportunity to respond to your complaint through the Revdex.com. We understand that one of our representatives discussed this with you on Friday and the local branch will be contacting you today to discuss your concerns and attempt to resolve them.

Thank you for reaching out to us via the Revdex.com. Our file reflects that we marked you as “not at fault” for the accident on 4/1/14 and there is no indication that you were ever marked at fault for the loss. However, to assist you with your efforts with [redacted], we have ordered a copy of the...

police report and will send you a letter of loss experience as well. If you have any further questions, please feel free to contact our local branch at 888-892-6422.

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 am talking about Diminished Value due to accident but not repairs. Repairs were done and paid by Amica. Hence, I am not asking any amount for repairs. Hence, there is no point to bring repairs cost when we are discussing about Diminished value. My car was supposed to have a value of $35000 per [redacted] and [redacted] (provided this info to Amica earlier, attached valuation here once again) but my car value diminished to $24000-$25000 due to accident (after repairs), when I got valuation done thru' reputed agencies like [redacted] Authorised Dealer AND [redacted] (provided this info to Amica earlier, attached valuation here once again). Hence, I asked for diminished value of $10000. I was trying to be flexible and work with Amica friendly and reduced my request to $8000 and then to $7000 when Amica said they go by NADA valuation (which I won't agree personally) of car value was $32000. I asked them to pay $7000 (i.e. Nada value of $32000 - Market value $25000) to settle amicably even though I am not in agreement with NADA valuation. But Amica didn't agree for that and they gave me offer for very less amount initially and at last they came only upto $4500 as of 7/18/16. I feel there is no basis for their offer(s). I have documents to support my claim with attached [redacted] estimations with out accident and car estimations from [redacted] & [redacted] Autohrized Dealer. Hence, I am sure my claim is genuine and supported. Also initially their representative told me that I can re-open the claim if I sell my vehicle in next 5 years and  if I get less value than NADA value then. But when I asked them to give it in writing, they stepped back. instead they are asking me to give Letter of Release. If I give letter of Release, I can't reopen the claim in future. I tried my best to work amicably  and gave them offer to pay $7000 for Letter of Release OR pay $5000 with a letter of confirmation from Amica that I can re-open the claim if I sell car in next 5 years and get less value. I called several times and followed up with Amica and settle claim amicably with their rep and manager but they were very rude.They wasted my time and effort and made me to go through my mental agony.Hence, I stick to my demand of "I request my original request of diminished value of $10000 + another $5000 for the mental agony I went through with Amica service, rude behavior of Michelle & Julie and for time that I spent on follow-up."Hope Revdex.com will help me to settle this as Amica is troubling me on this for past 5 months.Thanks
Regards,
[redacted]

We are writing with respect to the complaint you filed with the Revdex.com. We have carefully reviewed your account and understand your frustration with your experience. It appears we initially misunderstood the relationship between you and the co-signee of your new vehicle, originally...

providing quotes to simply add the vehicle to your existing personal automobile policy with your girlfriend listed as an operator. The eligibility rules in North Carolina require policies are titled in the same manner in which the vehicles(s) are registered. Once the relationship between you and the co-signor of the vehicle was clear, we amended our offer of coverage since a joint ownership policy was needed to provide the coverage and remain in compliance with the rates and rules we have filed in the state of North Carolina.  We appreciate you taking the time the evening of June 7th, to go over the details surrounding your experience and this process, ensuring we have the appropriate policy in force for you moving forward. Please feel free to reach out to discuss this or any other concerns with your Amica policies by calling [redacted] Thank 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]. Please add your rejection comments below. 
Regards,
[redacted]

We are writing in response to the complaint you filed with the Revdex.com regarding your automobile policy cancellation.  We have carefully reviewed your account. While our records do not indicate we corresponded with you verbally regarding your payment due date, we have confirmed a...

Notice of Cancellation dated May 11, 2017 was mailed to your address of record. The notice indicated payment of premium was due prior to May 30, 2017 in order to avoid cancellation for non-payment effective 12:01 AM, May 30, 2017. As payment was not received prior to May 30, 2017, the policy was cancelled in accordance with the Notice of Cancellation.

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 vehicle. On the same day, we provided your loss payee and lessor documentation confirming coverage was in place for your new vehicle effective July 10, 2017. 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.

We are writing with respect to the complaint you filed with the Revdex.com.In April of 2015, you opted to take advantage of our Automatic Payment Plan and elected to receive electronic mail notifications for your billing. Due to a credit card declination in August of 2015, your policy...

was removed from our Automatic Payment Plan.  Billing notices continued to be sent to you electronically and cancellation notices were mailed to you at the physical address of record.In December of 2015, your policy went into cancellation status for non-payment of premium and on December 15, 2015, you made a payment which satisfied the overdue premium and avoided a coverage interruption.  A letter was then sent confirming receipt of your payment and stating the policy would continue.  Electronic billing notices were sent to you on January 04, 2016 and January 15, 2016.    As no payments had been received since December of 2015, the policy went in to cancellation status.  A notice was mailed to your physical address on February 05, 2016, indicating the policy would be cancelled effective February 18, 2016 for nonpayment of premium.  Since no payment was received by the cancellation effective date, the policy was cancelled.   On March 15, 2016 we sent a notice confirming the policy cancellation as indicated in the February cancellation notice.   A second notice confirming the cancellation of your policy was mailed on April 14, 2016.When you contacted us on April 15, 2016, your policy had already been cancelled. With no coverage in place, it is customary that a new application for coverage be developed and rated according to the applicable rates and rules at that time.We trust that this response provides clarity.  If you have additional questions, please do not hesitate to contact us.

Dear Ms. [redacted], We are writing with respect to the complaint you filed with the Revdex.com. We have reviewed your account and your policy was canceled for nonpayment as a result of premium not having been received in line with the payment schedule.  Your account was set up on...

the automatic payment plan, however it was removed at your request in January 2017.  On February 26, 2017, you made a payment via phone with one of our representatives, however we do not have record that you requested to be added back to the automatic payment plan for future installments. We would like to work with you to reinstate your policy with Amica and would be happy to discuss this with you further. We have reached out to you and look forward to our further communications in resolving this matter as soon as possible.

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]. . 
I continue to maintain that Amica overcharged us for replacement costs on our house from 2005 until February 2018 when the square footage of living space in our house was remeasured and found to be 411 square feet less than the measurement made by Amica in 2005.  Please share the formula you use to calculate the replacement cost of a house.  Is the number for living space in the formula?  If it is, than you have overcharged us for 13 years and owe us a refund of the amount overcharged.
Regards,
[redacted]

We have carefully reviewed your account and confirmed that we have requested from your financial institution that payments are made to Amica on the 20th of each month.  For February and March, the 20th fell on a Monday and, when that happens, Amica.com will display the payment the Saturday...

prior, in this case the 18th. However, we do not initiate the payment with your financial institution until Monday the 20th. If your bank statement is showing that the funds were withdrawn on the 18th, please forward us the documentation so that we can research this further.  As you discussed with a Supervisor on March 20, 2017, we can also change the Amica payment date to any day of the month that works for you.

We are writing in response to your correspondence of August 17, 2016.  First, we would like to thank you for taking the time to discuss this matter with us.   As indicated, we issued and mailed checks to your address of record on July 7, 2016 and August 2, 2016 in the amounts of...

$872.52 and $616.37, respectively.   We understand these checks have not been received by you and are currently working with our accounting department to discuss options to ensure you receive the monies owed to you as quickly as possible. We understand your frustration regarding the time this has taken and your inability to review your policy on-line.  We thank you for your patience.  As discussed, your policy was removed from the computer due to the unique circumstances of your policy changes.  Your renewal policy will be available for you to view on-line and in the meantime, we have sent a copy of your current policy to your email address of record. We will be reaching out to you within the next few days once we hear back from our accounting department. Please feel free to contact us if you have any questions in the meantime.

We are writing with respect to the complaint you filed with the Revdex.com on February 3, 2017.   You reported the referenced motor vehicle accident to Amica on December 10, 2016.  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 decision. We 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.

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]

Revdex.com,I was specifically told on the phone that coverage was in fact NOT in place and that I had coverage on my previous car, not the Newly leased vehicle. I find this completely unacceptable and unprofessional.
Regards,
[redacted]

A Senior Account Manager contacted you on August 8, 2016 to address your concerns and left you a voice mail.  Please feel free to reach out to her or advise us of a convenient time that we can call you to discuss this further. Thanks.