Anchor General Insurance Company

Review: Around November 2, 2014 I had an automobile accident, I contacted my insurance, they came to check out my car, was told I had to take my car in to get fixed to a shop, I took it in, I had it fixed and now I am having issues again due to my accident and because my car should've been salvaged but for some unknown reason now I have issues with endless things that had to do with the accident, my tires are constantly getting ruined due to the car not being straight, took my car to another shop and was told it could be aligned but still will not get rid of the issue and will still have to be changing my tires to the car not being in a good condition, the insurance had an inspector come in and did not see the issue, it's been a very long time now with issues and spending a lot on one issue and another after another due to them not wanting to make my car salvaged.Desired Settlement: I would like more information on how to sue this business and be done with the problem as soon as possible or for the insurance to make my car salvaged so I wont continue with any further issues.

Business

Response:

Dear Ms. [redacted]:This will acknowledge receipt of an inquiry dated November 15, 2015 received from the Revdex.com on your behalf. -We have carefully reviewed your request and the claim filed with us involving the November 2, 2014 loss. Upon filing this claim with us, you were advised of the PPO repair facility closest to your residence. Be advised that the Preferred Provider Organization (“PPO") provision, as contained in your policy with Anchor General Insurance Company was explained to you according to our notes. This provision is also outlined in your insurance application, under the section entitled “COVERAGE RESTRICTIONS", and the contents to this provision are also contained in the acknowledgment letter mailed to you on November 5, 2014. This provision clearly explains that you would be responsible for 25% of the repair estimate if the repair facility chosen is not a PPO.We confirmed your vehicle was at [redacted] (your shop of choice) on and issued payment to them on November 24, 2014 for a total of $6,194.65 ($9,658.58 - $65.72 betterment - $2,398.22 25% NON PPO Penalty - $1,000 deductible).On April 10, 2015, you called and advised us you were having issues with the repairs completed on your vehicle, you were advised since you took your car to a NON Preferred shop we did not guarantee the repairs. At that time, you said that you felt that all the loss related damages were not completed. We then assigned Inland Valley Appraisers to reinspect your vehicle, we received there report and confirmed a loss related damages were repaired and the issues you were having were related to the repairs completed by [redacted] (your shop of choice) and that you would need to contact them to have them resolved.If you should need additional assistance or have any questions regarding the interpretation of your policy, please do not hesitate to contact the undersigned at 1-800-[redacted].Sincerely,[redacted] Manager Material Damage Claimscc.: [redacted], The Revdex.com

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

I feel insecure in my car, took it to other professionals and I was told my car shouldve been totaled, all service lights are on, car body is not straight,I have to change tires in short time or tires will pop on me on freeway,I am unsure on what to do next or whos at fault (insurance or shop) I have waited over a yar for this to be resolved.

Review: I was in a car accident on 10-17-14 I filled a claim on 10-15-14, I get contacted by someone the next day they process the claim 2 weeks later I get a call stating my car was a total lost they will contact me once they get an approval of the value 1 1/2 I get a call saying they are sending forms that have to be filled out by me to proceeded my claim I get them send them back that same week received, I get no calls from no one calling and leaving voicemails I get nothing in return. A week later I get a call saying it is taking them long because they are under new manegement but my claim is not going to be more then 2 weeks now. It's been 3 weeks a total of almost 2 months they haven't contacted my bank to pay off the loan I call request to speak to a supervisor I speak to [redacted] tells me my claim hasn't been going because the person in charge of my claim has been out sick for 1 week I am fed up I don't get a courtesy call nothing. Plus I get an attitude from this lady no Appoligy a rude operator that answrs the phone 2 months without a car when I am paying for full coverage and have car insurance to not go threw this stress. I want to sue them I feel like my menu is taken away every month by them for a service I am not getting!Desired Settlement: They should pay for this 2 months I been paying my car loan with out having the car plus my struggle of going to work on the bus getting taxes and rides from other people that I have to give money to for the favors of taking me to work. Plus my medical bills I have regarding this stress they are putting me to.

Consumer

Response:

I was insured by them, at the time of the accident. I just recently canceled them now because of the difficulty and unprofessional service they provide.

Business

Response:

December 29, 2014Ms. [redacted]Ref: Revdex.com #: [redacted] Claim#: [redacted] Policy#: [redacted] D.O.L: [redacted] Insured: [redacted] Complainant: [redacted]Dear M.s [redacted]:This will acknowledge receipt of an inquiry dated October 8, 2014 received from the BetterBusiness Bureau on your behalf.Your vehicle was deemed a total loss on October 28, 2014, and the total loss settlement was sentto you on November 21,2014, in the amount of$10,447.72, which is less your $500 deductible.On December 5, 2014, we received your completed total. loss settlement documents andrequested a pay off from your finance company, Los Angeles Federal Credit Union. OnDecember 23, 2014 we sent a check in the amount of $5,047.90 to Los Angeles Federal CreditUnion and the balance of $5,399.82 to you.If you should need additional assistance or have any questions, please do not hesitate to contactthe undersigned at 1-800-542-6246.Sincerely, [redacted]Manager Material Damage Claims

Review: On March 20th 2014 I was in a minor car accident however the accident left my vehicle undrivable. I called Anchor General to file a claim but was put on hold for over an hour. As I was on hold you could hear that my call was being picked up and being put back on hold or being disconnected, this happened multiple times. That day I was never able to file my claim. I was unable to file a claim until the following week due to the company never answering. In the end I just had my vehicle towed to the body shop and put the claim through to the other drivers insurance. When I finally got through and put my claim through with Anchor General I explained that I wanted to put in the claim but was also waiting to see what the other insurance company would say. When I spoke to [redacted], who would handle my claim, she informed me that I would have to pay 25% of the total cost should I not go to their designated auto shop. I informed her that this information was never given to my husband or I when we signed up for the insurance. She responded by saying I should have read the pamphlet that was given to me. Again I informed her that a pamphlet was never presented to us. She basiclly brushed me off after that. When I asked to speak to her supervisor she did everything stop me. That same call she told me that she would be sending an appraiser to look at my vehicle. I decided to called the company and was able to get her suppervisors extention and put through. I was only able to reach her voicemail and left a message. That same day [redacted] calleds me and asks why I was calling her supervisor. So I told her I just needed to speak to her in regards to my policy. Finally she told me she would tell her supervisor to call me and also transfered me through. Again just the voicemail and again I left a message, a month later I have not recieved a call back. Later that week when I spoke to [redacted] again I asked what was going on with my claim and she informed me that my claimed had been closed. I never authorized her to close my case. Next she informes me that she needs to send an appraiser to look at the car. When I ask her why since she had informed me a week earlier that she would send someone, [redacted] replies by telling me she sent it but never put in my claim number on the paperwork. A week after I ask if the appraisal was approved. She does not even know if the appraiser has seen my vehicle yet. I called Ford Auto Body and ask the receptionist if she knows anything and she tells my they appraised the vehicle the friday before. I call [redacted] back asking why she does not know this or anything in regards to my claim and she answers by calling the appraisal company asking them. The company confirms that they sent the information to [redacted] a week ago. She finally sees the form in her inbox and tells me she will call me back after her lunch with a status update. Three hous later I call her since she never calls me. Next she tells me the ajusters just looked at it and need new information from the appraisal company. Finally I decided to get the number to her supervisors manager so that I can request a a new person to work on my claim. I left him a message and also I have not recieved a call back. This entire time I am renting a vehicle out of pocket since I decided to go with my own auto body shop. I am paying $230 a week for a rental vehicle. It is now April 25th and my vehicle is still not fixed, that is $1,150 so far. Plus I still need to wait for the repais to be completed which are set to (Pending) end May 2nd. That is another $230. I just found out, thanks to Ford Auto Body, that the total cost for my vehicle was changed and finally approved. I was told by [redacted] the week before that the estimate was approved and a payment would be sent to the body shop. Not once did she call me and telling me more paperwork was pending. Still today I have not recieved or heard from her since last week. This is completely unexceptable and irrisponsible of the company to have managers, supervisor and it's employees to treat customers like this.Desired Settlement: I would like for this horrible company to pay for my rental car due to many delays being caused by their employees not doing their jobs.

Business

Response:

May 17,2014

Ms. [redacted]

Ref: Claim#: [redacted]

Policy #: [redacted]

D.O.L: 3/20/2014

Insured: MAXX [redacted]

Complainant: [redacted]

Revdex.com #: [redacted]

Dear Ms. [redacted]:

This will acknowledge receipt of an inquiry dated April 25, 2014 received from the Revdex.com on your behalf. We reviewed your request and the claim filed regarding your March 20,2014 loss reported to us on March 25, 2014 by you.

On March 27,2014, you advised your adjuster Ms. [redacted] that you did not wish to pursue your claim with us but would be going thru Mercury Insurance for your repairs. We received a call from you on April 4, 2014, advising us you would go thru us for the repairs to your vehicle and would have the repairs completed at Ford Auto Body shop of your choice.

After confirming your vehicle was at Ford Auto Body for repairs we issued a check to them on April 5, 2014 in the amount of $[redacted] ($[redacted] $ [redacted] NON PPO Reduction- $[redacted] deductible), On May 6, 2014 we received a final supplement and payment was sent in the amount of$[redacted] NON PPO Reduction- $[redacted] Already Paid· [redacted] deductible). We confirmed that you also picked up your vehicle on May 6, 2014 and were satisfied with the repairs.

If you should need additional assistance or have any questions, please do not hesitate to contact the undersigned at [redacted]

Sincerely,

[redacted],

Manager Material Damage Claims

cc: [redacted], The Revdex.com

[redacted], Anchor General Insurance Company

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I never closed my claim with Anchor general. I told Mrs. [redacted] that I would like to momentarily hold the claim but to still send an appraiser to check my vehicle. I was assured that an appraiser would go look at me vehicle. When I called to inform her that I would go through them she informed me that she had closed my claim. I ask why and her response was I don't know I spoke with someone. I was the only person she spoke with and I never closed my claim. Then she inform me that she still needed to send an appraiser. Again I asked why it had not already been done after she had informed me she would send someone. She replies oh I forgot to put in the claim number so it never got looked at. This is not my fault. As for the final price. I was told about the first price and that I would pay $[redacted] and some change. But the final price was actually over $[redacted] I was never told about the new price change. There are phone calls that are recorded according to Anchor General. Review them and you will hear the numerous times that I had to call in order to obtain any information and you will also hear how the maintenance of my vehicle was delayed due to Mrs. [redacted] and other employees not knowing how to do their jobs. It is absolutely absurd that I had to go through such a horrible service.

Regards,

Business

Response:

Dear Ms. [redacted]:

This will acknowledge receipt of an inquiry May 29, 2014 received from the Revdex.com on

your behalf.

On March 27, 2014, you indicated that you wished to pursue Mercury Insurance for the repairs to your

vehicle, at that time your file was closed, we apologize if you didn't want us to close your tile. Once you

called on Apri14, 2014, your tile was reopened and we followed up with our appraiser Burbank Appraisal

for your repair estimate. Once we received the estimate it was sent to your shop of choice Ford Auto

Body Shop.

In regards to the $1600.00, I'm not sure what that amount is for as you didn't indicate. Please

contact your adjuster Ms. [redacted] at ([redacted] to discuss this matter

further.

If you should need additional assistance or have any questions, please do not hesitate to contact the

undersigned at [redacted]

Review: My truck was vandalized made a report called my insurance and took them a month for them take action and only because I called the supervisor and after I took my own truck to the shop it was just sitting in the shop for another month my adjuster up to this date has never called me. The

Y don't answer my calls or return any of my messages it's been more than 4 months and nothing yet they don't send any paper work so their is very slow progress in my vehicle I do not have a rental so it has been really hard for me to get around and it's getting very stressful at this point......Desired Settlement: All I want is for them to finish the job I lost my job I am no longer with this insurance so all I want is for them to answer my calls, messages and get the job DONE!

Business

Response:

This will acknowledge receipt of an inquiry dated July 31,2013 received from the Revdex.com on your behalf.

We reviewed your request and the claim filed regarding your April 6, 2013 loss reported to us by you on April 8, 2013 regarding the damage to your vehicle.

On May 7, 2013, you spoke with your adjuster, Mr.[redacted] and said you would be taking your vehicle to [redacted] and were aware you would be responsible for the 30% non ppo penalty. On June 5, 2013 after receiving your final estimate and the information to request payment, payment was issued to [redacted] in tho amount of $2,940.03 ($4,914.33 - $1,474.30 30% NON PPO Penalty - $500 deductible).

On July 31, 2013, after received this inquiry we attempted to contact your shop of choice [redacted], regarding a supplement that maybe pending. After being unable to contact them our appraiser with [redacted] drove by the shop to find there was damage to your front bumper that was not related to this loss. On August 12, 2013, your adjuster Mr. [redacted] spoke with you and confirmed you were aware the front bumper was not related to this loss. At that time he advised you to follow up with your shop regarding the repairs to your vehicle.

If you should need additional assistance please do not hesitate to contact the undersigned at [redacted].

Sincerely,

Manager Material Damage Claims

Review: I have been with the company for a little over two years, paid full coverage on two vehicles the entire time. I have never been in any accidents, no tickets, always paid my coverage on time. So yes you can say i've been a loyal customer to the company. On June 19, 2013 my Grandmother passed away, I called my boyfriend to pick my up in my vehicle( with my permission) because I was to shaken up to drive. Unfortunately on his way to get me, there was something in the freeway he swerved to not hit the object on the freeway which caused the vehicle to lock up and he hit the wall. Police arrived and the vehicle was towed. The following day I contacted the insurance company to advised them of the accident and was advised to leave the vehicle in the tow yard because my claim adjuster would go see the vehicle. I also had spoken with the tow yard they advised me also that the insurance company would come by to see the vehicle, not to worry I have full coverage everything would be taken care of. After 2-3 days someone from my insurance company finally called me regarding my claim, took a statement from me. then advised me that my claim adjuster would get back to me. Finally 6 days later my clam adjuster contacted ( keep in mind my vehicle still in tow yard) and stated that nothing can be done for my vehicle I was not the one driving so they are not covering the damages. HE did not say much after that. To my surprise I thought I had full coverage and that my insurance company would do something for me. I'v paid all my premiums for full coverage on both vehicles. I did not understand why my insurance company did not want anything to do with my claim. I have a few concerns regarding this company, First they never contacted my boyfriend for his statement nor did they care about his safety. Second per my understanding the adjuster finally went to the tow yard after 6 days of me filing my claim and spent 5 minutes there, did not care about my loyalty as a customer and did not want to help me in any way. Third how rude there service was in regarding to my full coverage policy, customers pay for full coverage for a reason just in case an accident accurs not to throw there money away. lastly this company just seemed to care about receiving there payments and not there customers. When I first went to get insurance I went through there Free way Broker company I was advised that I was getting the best insurance company out there, everything was covered in my package. Once I had finally gotten to the bottom of how the company ran, they told me that my policy was a private policy that is how Anchor General worked. I WAS NEVER ONCE ADVISED FROM FREE WAY OR ANCHOR GENERAL THAT MY POLICY WAS RESTRICTED AND THAT NO ONE BUT MY SELF WAS NOT ABLE TO DRIVE MY VEHICLE WITH MY PERMISSION. When I went to free way broker they just had me sign my documents and I was on my way with the best insurance out there and a great rate, yea right this was not the case. But what they failed to tell me and also Anchor, that I was the only one covered. If they would have tooken the time to review and tell me the restrictions on the policy I would have never signed any documents and would have changed my policy. After all the reach I had to go through to get to the bottom of my policy I had to get my car out of the Tow yard which cost me $1,000.00 and I have a damage car. Anchor general Pretty told me that they were not dong anything for me nor where they interested in my claim or my policy. They were the ones that advised me to leave my vehicle at the tow yard to get looked at and Now they are not willing to pay my fees or damages. I am not satisfied with how this company works, they take your money and you pay your premiums for two years then they toss you out like your a piece of trash. The way this company works is very misleading and is not right to people/customers. At the end of the day ive paid this company a total of $3,508 for two years of full coverage and $1,000 tow yard fees and I still have a damaged car some way this great of a company treats there customers.Desired Settlement: I would like Anchor General to repair the vehicle since ive paid my full coverage dues for 2 years and also reimburse me for the $1,000.00 tow yard fees that I had to pay out of pocket.

Business

Response:

This will acknowledge receipt of an inquiry dated July 24, 2013 received from the RevDex.com on your behalf

We reviewed your request and the claim filed regarding the June 19, 2013 loss,reported to us by you

on June 19, 2013. On June 24, 2013, your adjuster Mr. [redacted]. spoke to you and confirmed that

you had given permission to [redacted] and he was the driver at the time of the loss, and

was not listed on your policy as an authorized driver. Thereafter, a denial letter was issued and

mailed to you on June 25, 2013, per the guidelines set forth by the Department of Insurance

Regulations.

The reason why coverage was not extended for this claim was because [redacted] is not listed

on your policy. The front cover of her policy with Anchor General Insurance Company provides a

warning as to this limitation, which reads as follows:

"Unless drivers are named in the Declarations, Physical Damage Coverage (Part V) may not be

afforded. If you desire coverage for drivers other than those shown, request your agent to have

your policy amended to list the additional drivers."

Although [redacted] is not specifically excluded as a driver, this policy with Anchor General

Insurance Company clearly states in PART V - PHYSICAL DAMAGE COVERAGE, Coverage H, in the sub-section

entitled "Exclusions", as follows:

"1) We do not Insure your car while it is being operated by anyone other than you, unless such

other person has been identified to us, the necessary information supplied to us and we

have accepted and added the individual as an additional driver by showing the driver in the

Declarations page or on a separate endorsement to your policy."

Although collision coverage was unavailable for this claim, liability coverage is intact and any

third party liability claims resulting from this accident will be handled according to policy

provisions.

If you should need additional assistance or have any questions, please do not hesitate to contact

the undersigned at 1-800-542-6246.

Sincerely,

Manager Material Damage Claims

This is such a bad insurance. I made a claim on someone who had hit my car. And this insurance has not yet done anything to get information from the other party. They are not pressuring them to get my car fixed. I'm the one who has to call and put pressure on the other party to get my car fixed right away. I shouldn't be the one calling the other insurance. This is why I pay every month and these guys are lazy. They don't try hard enough. Worst insurance ever. It's been 1-1/2 week and nothing has been taken care off.

Review: I had an accident in my 2009 [redacted], with an individual covered by Anchor General, this happened on Dec 25th, 2014. Now 5 MONTHS later the car is still in the shop and waiting to be paid for. I have made so many calls (not a ONE answered) and left so many voicemails and sent so many emails trying to get a response for when a check will be sent out to pay for the repairs done on the car! It is $1600+ for the car repair and I am racking up a rental bill approaching $2000 that they should be paying me for but I have heard nothing about that either. Even the shop the car is at ([redacted] in [redacted]) has tried to call them on my behalf and not heard anything. This is WAY beyond a ridiculous amount of time to settle a very simple issue such as this one and I have no idea of how to get ahold of someone with this company.Desired Settlement: I would like to be sent the check that I am suppose to be sent for the repairs + supplement on the car as well as the reimbursement of a premium car (because I drive a premium car) that I have had to rent for the last 30+ days since dropping off my vehicle. Right now I am looking at about $1700+ on the rental plus the $1600+ bill on the car! I need to get my car back and start driving again! I have had to go through so much mental pain and suffering in this whole mess and I would like to get back to a normal life before I was hit by the person insured by Anchor General Insurance.

Business

Response:

Dear Please be advised that Anchor General Insurance Agency of [redacted] is an authorizedrepresentative of Anchor General Insurance Company.We are in receipt of the request for assistance that was submitted to The Revdex.com by[redacted]. [redacted] is pursuing a claim for property damage due to an accident whichoccurred on December 24, 2014.We contacted [redacted] on May 28lh and reissued his check for the full amount of his propertydamage. Therefore. this issue is already resolved.If you have any questions, you may contact me at [redacted]Sincerely,[redacted]Claims Manager

Review: My daughter had an accident 1 month ago. My car is still at the bodyshop waiting to be approved by the insurance to get the work done. Both the bodyshop and myself keep leaving messages and no call back by the insurance. I've received 4 letters sent from this insurace by [redacted]. The letters clearly state to call them. I have left [redacted] countless messages, and to this point no call back. The day my daughter had the accident we were on hold for over an hour to report the claim and ask for a tow truck. The tow truck was not covered, so my daughter asked if they can bill us, they literally told her No and that there was nothing else they could do for her sorry and hung the phone. My daughter was left stranded not able to move the car. Luckily another party seen the accident and They managed to get the car towed at no charge.Desired Settlement: Once the claim is done, closed and I have my car back. I wanna close my policy with no penalty charge.

Business

Response:

Dear Ms. [redacted]:This will acknowledge receipt of an inquiry dated February 18, 2015 received from the Better BusinessBureau on your behalf.We have carefully reviewed your request and the claim filed with us involvinaJ1he January 23, 2015 loss.Upon filing this claim with us, your daughter, [redacted]~ [redacted] was advised of the PPO repair facilityclosest to your residence. Be advised that the Preferred Provider Organization ("PPO'') provision, ascontained in your policy with Anchor General Insurance Company was explained to her according to ournotes. This provision is also outlined in your insurance application, under the scotian entitled"COVERAGE RESTRICTIONS ... This provision clearly explains that you would be responsible for 25%of the repair estimate if the repair facility chosen is not a PPO.On January 26, 2015, we confirmed your vehicle was moved from Pro Star Tow to Golden State AutoBody, (nearest PPO shop). On Febnwy 10, 2014 we received your repair estimate, we confirmed youauthorized repairs on February 12. 2015 and payment was issued to Golden State Auto Body on February13, 2015 in the amount of $2,931.34, ($3,431.34- $500 deductible).On February 24, 2015, we received a supplement for additional damages to your vehicle a copy wasforwarded to Golden State Auto Body and payment was issued to them and the amount of $3,232.14($6,663.48- $500 deductible· $2,931.34 paid).If you should need additional assistance please do not hesitate to contact the undersigned at 1-800-542-6246.Sincerely,[redacted]Manager Material Damage Claimscc.: [redacted], The Revdex.com

Consumer

Response:

Hello,