Thank you for the opportunity to reply to this complaint.After reviewing the notes, I see it took awhile for Unique to reach the insured and we apologize for that, sometimes, insureds are not as forthright in speaking about incidentsWhen we did speak to him, he said he and the claimant agreed that they would pay cash instead of going thru insuranceWe explained that the complainant had filed a claim with Unique after trying to file with ***A [redacted] rep later told Unique that the complainant did not want to pay her deductible and decided to go through us.Since then, we have approved an estimate for work on the vehicle and explained if there is more, once we received a supplemental estimate, we will review further for approvalWe were awaiting documents from our insured and, at times, this may have held up the processWe have reviewed the estimates from [redacted] and approved for a lesser amount based on rates paid to our shops in GeorgiaIt seems the complainant has paid out more than the estimate approved and is seeking remunerationWhen Unique representatives explained to her that the estimate was approved for the set amount, she became agitated with our rep and used profanityWe explained she can go through her carrier, who in turn would subrogate but she became upset and said she is hiring an attorneyAt this time, we have not heard from the complainant, outside of this forum, nor her attorney.Thank you,Nick [redacted]
Thank you for the opportunity to respond to this complaint.I reviewed the paperwork sent from the complainant's agency and as their is no transmittal included for the alleged original request sent, the policy canceled due to non-paymentBut, as the complainant is a former employee of one of our sister companies, I asked Underwriting to process the flat cancel as a goodwill gestureThe complainant should receive a check within the next days.Thank you, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI have received the check in the mailThank you Sincerely, [redacted]
Thank you for the opportunity to respond to this complaint.I see that a call was placed to [redacted] on May 13th for a representative to contact our claims department to discuss the claimAs far as I can see from the claims notes, no return call from [redacted] has occurredIn our new format, if a message is left for a claims team, the new claims status adjuster will make certain these messages are returned in a timely mannerIf a message from [redacted] was received, they would have been called backIf a representative from [redacted] would like to contact me with what they need, I will be happy to ensure it is forwarded to the correct team supervisor for a speedy response; my email is [redacted] Thank you, [redacted]
We are very sorry to the complainant for her issue with lack of communicationI see from the claim notes that this claim is denied based upon the company policy; physical damage does not carry over form the policy only liability.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.This is a relatively new loss and one where the insured filed a loss within days of policy inceptionTherefore a thorough investigation is requiredI see from our notes that the adjuster did reach out to the complainant on December 3, but there has been no return call from the complainant since then.Unique does offer a Contact Us page as well; if the insured is having difficulty reaching their adjuster, they can use this page and usually are responded to with in hours.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.The Unique adjuster that was handling this claim, it is closed now, spoke with the insured yesterday, 03/10/He stated he received a notice from [redacted] which said there was $6,worth of damage to their truckThe insured said there was not as much damage done and he does not want his insurance company paying for something that was not viableThere is damage but he doesn't feel it is $6,worth of damage.The adjuster then spoke to the [redacted] GroupThe adjuster explained that she would be in touch after the estimate was reviewed by our physical damage team and she would reach out to them thenThe [redacted] rep on the phone said she would be out of the office until Wednesday but that the adjuster can speak to anyone on the team and she would circle back when she returns next week.Thank you, [redacted]
Thank yo for the opportunity to respond to this complaint.From reviewing the claim file: This complainant did speak with our adjuster on 06/20, who explained about the VIN issue and explained to the complainant that he needed to contact his insurance agent to correct the issueShe told him that Unique is not able to correct it on our end, it was his responsibility to meet with the agent to fix itHe said he understood.The adjuster then noted the coverage issue with the VIN number not on the policyUnique has ordered a police report as of 06/21.On 06/23, it is noted that he spoke with the team lead and she advised that we received the paperwork submitted and we will review the file and call him backShe then notes that the call was ended before she could fully explain the process, which means the caller hung up the phone.Had he continued his conversation with the team lead, he would have discovered that we need to investigate the situation fullyIt may have been agent error, but he purchased another car, same make, same model and an update did not occur We are in the middle of looking into the situation and the IL [redacted] provides a guideline of days to resolve an insured's claim and Unique is well within this guideline at this timeWe hope to resolve the claim sooner but until we complete looking into the matter, we do not have a decision for him at this time.Thank you again, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ Thank you for the opportunity to respond to Mr [redacted] ' complaint Try as we might, we do not always hit the mark with our service and we apologize for the lack of communicationHer adjuster is reviewing the file today and will contact Ms [redacted] and the repair shop Thank you again, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was contacted today but the response is not satisfactoryI was told I need to wait until Unique contacts the other driver and gets a response from that driverI have no idea how long not this will take and feel it's unnecessary and a stall tacticA police report was done at the scene of the accident and that information was provided to UniqueThat should be enough to move forward and get my car fixedFurthermore when I called Unique on August to report the accident, I was not informed that this was part of the procedureI was only told to complete paperwork, fax it in and get an estimate...all of which is doneI would like Unique to approve these repairs by Friday, September so this matter can be settled Final Business Response / [redacted] (4000, 9, 2015/09/08) */ Per Ms [redacted] adjuster on this claim: "We are continuing our investigation and await cooperation from our vehicle operator to confirm the facts of the occurrenceWe have spoken to the named insured who has advised that the insured vehicle has a manual transmission and the insured vehicle may have rolled back as the clutch slippedWe endeavor to affirm this with the operator of the insured vehicle as the named insured is of the opinion that the cause of the loss was contributed by the complainant's violation of the following state statute: [redacted] 5/XX-XXX) (from Ch1/2, parXX-XXX) SecXX-XXXFollowing too closely(a) The driver of a motor vehicle shall not follow another vehicle more closely than is reasonable and prudent, having due regard for the speed of such vehicles and the traffic upon and the condition of the highway." The adjuster also noted in the file that he did attempt to contact Ms [redacted] and left a voicemail message at 3:PM on 09/03/and explained this extenuating circumstanceBut I do not see any note that she returned his call Once we have completed the investigation, we will circle back with both parties about the claimWe apologize for the length of time it is taking to resolve the claim but until we speak with the vehicle operator, we cannot make an educated decisionThe claim adjuster is keeping this item at the forefront of his list Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.While this claim continues to undergo investigation, the complainant has mentioned this issue to UniqueHowever, on more than one occasion, Unique claims representatives have explained to the complainant that due to the point of impact the oil leakage is non-accident related damageThe vehicle is years old and wear and tear will take its toll on vehiclesThe body shop said this is non-accident related, Unique's physical damage manager said it is non-accident related and the complainant then mentioned that her car jumped a medianA point which she did not mention early on in the investigation.At this time, our team supervisor handling the claim explained to the complainant that we will order a police report and once we review the report, we will make a decision on this issueI had someone on my staff check the system but the police report is not yet available.Thank you, [redacted]
This consumer has filed a complaint with the GA Department of Insurance and I respectfully request the Revdex.com close this complaint as it is now beyond the purview of the Revdex.comI can assure you that this complaint was answered today.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.Unique Claims personnel has been trying to reach this complainant several times nowIn fact, per the file notes, we reached out to her on:06/06: Could not leave a message since her voicemail is not set up05/05: Spoke with her to advise adjuster would email documents over again04/22: Left message on voicemail04/22: Rang once and went to voicemail03/Left message on voicemail03/16: Left message on voicemailPer the notes, we have spoken with medical professionals, her lien holder and auto sales yard more than we have been able to contact herI can see that at this time, we are awaiting proof of loss and power of attorney; both of which need to be signed and returned to usThese documents must be returned to us in order for a settlement with the lien holder to be processedIf the complainant has any issues, she may contact me at [redacted] and I will be happy to connect her with the team supervisor handling her claim.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.One of the Unique adjusters has been in contact with the complainant as recently as Monday, 04/04/and he said he would let us know when his photos and estimate were remitted to our companyIn reviewing the notes, I see no notice of this incidenceAs for calling our Revdex.com rating into question, I can assure this gentleman that we are an accredited businessAs of right now, we are awaiting the photos and estimate although, per our insured any damage to either vehicle is extremely minor.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.Our offer still stands at this timeWe are under no contractual agreement to replace the complainant's parts with new parts only what is required per the policy.Since the complainant is dissatisfied with the offer, we can only suggest that she go through her own insurance companyThis way, her company will fix the car according to her policy and then can subrogate to Unique InsuranceThis way, she would even receive her deductible back as wellThis should not affect her rates either.Thank you, [redacted]
Thank you for allowing us to respond to this claim [redacted] has emailed us today and I was in the process of having his adjuster contact him based on his multiple requestsThen his [redacted] + review popped up on my computer where he named our adjuster publiclySir, I hope you understand when I say, she is allowed her privacy no matter what trouble you are having contacting the company Upon further investigation, I see that the complainant settled this claim with Unique yesterday, 10/26/The adjuster contacted him and discussed the settlement amount with himHe agreed to having the work done at the auto body shop where your vehicle is located and then after all the financial discussion and agreements; this claim has been closed Our adjuster did her job in less than a month since this claim was filed, when the state [redacted] allows for a day guidelineShe also ensured he received a very fair settlement amount for his claim Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.The complainant's claim was denied back on 10/16/We contacted hm and explained the situationWhile the insured may have been ticketed for the accident; liability was called into question due to the place of impact on the insured's vehicleThe Unique adjuster involved contacted the complainant on 10/19/and explained to him that the claim was denied and the basis for the denialA written denial was sent as well and the adjuster suggested he turn the matter over to his carrierThe denial remains in effect.Thank you again, [redacted]
While this accident was reported to Unique Insurance at 4:PM on 02/02/2016; the coverage was bound for this policy at 11:AM on this datePer the [redacted] report, the accident occurred at 7:AM on 02/02/Denial will stand as there was no coverage for this accident at this time.Thank you, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/05/22) */ Contact Name and Title: [redacted] ***, Clms.Rep Contact Phone: [redacted] Contact Email: ***@uniqueinsuraceco.com Ms [redacted] recently contacted our office and left a message she accepted our offer to resolve her injury claimToday we sent a release to Ms [redacted] her email of [redacted] @***.com in the amount of $ As Ms [redacted] provided no rationale as to her request for $3500, we are unable to properly address this statement On 3/12/we sent a letter to Ms [redacted] detailing our rationale as to our (then) offer of $to resolveIn subsequent phone conversations with Ms***, we increased our offer to a final $ Upon receipt of the signed release, we will issue payment of $and consider this matter completed If we can be of further assistance, please advise Thank you
Unique is in the process of investigating this claimThis loss may have a coverage issue which requires further reviewWhen the adjuster explained this to the complainant on a previous call, she said she understoodWhile we can understand the frustration of the complainant, we are working to resolve this claim as quickly as possibleThank you, [redacted]
Thank you for the opportunity to respond to this complaint.The complainant did speak with a Unique supervisor and it was explained to him that material misrepresentation is grounds to cancel an insured's policyThere were issues with his previous record and while the complainant said the agent who wrote the endorsement ran his record, there is no record of this information in our filesThe complainant did become aggressive with our staff on a few occasions as noted in our notes and also hung up on the claims supervisor in one instanceAt the time, this claim remains a denial.Thank you, [redacted]
Thank you for the opportunity to reply to this complaint.After reviewing the notes, I see it took awhile for Unique to reach the insured and we apologize for that, sometimes, insureds are not as forthright in speaking about incidentsWhen we did speak to him, he said he and the claimant agreed that they would pay cash instead of going thru insuranceWe explained that the complainant had filed a claim with Unique after trying to file with ***A [redacted] rep later told Unique that the complainant did not want to pay her deductible and decided to go through us.Since then, we have approved an estimate for work on the vehicle and explained if there is more, once we received a supplemental estimate, we will review further for approvalWe were awaiting documents from our insured and, at times, this may have held up the processWe have reviewed the estimates from [redacted] and approved for a lesser amount based on rates paid to our shops in GeorgiaIt seems the complainant has paid out more than the estimate approved and is seeking remunerationWhen Unique representatives explained to her that the estimate was approved for the set amount, she became agitated with our rep and used profanityWe explained she can go through her carrier, who in turn would subrogate but she became upset and said she is hiring an attorneyAt this time, we have not heard from the complainant, outside of this forum, nor her attorney.Thank you,Nick [redacted]
Thank you for the opportunity to respond to this complaint.I reviewed the paperwork sent from the complainant's agency and as their is no transmittal included for the alleged original request sent, the policy canceled due to non-paymentBut, as the complainant is a former employee of one of our sister companies, I asked Underwriting to process the flat cancel as a goodwill gestureThe complainant should receive a check within the next days.Thank you, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI have received the check in the mailThank you Sincerely, [redacted]
Thank you for the opportunity to respond to this complaint.I see that a call was placed to [redacted] on May 13th for a representative to contact our claims department to discuss the claimAs far as I can see from the claims notes, no return call from [redacted] has occurredIn our new format, if a message is left for a claims team, the new claims status adjuster will make certain these messages are returned in a timely mannerIf a message from [redacted] was received, they would have been called backIf a representative from [redacted] would like to contact me with what they need, I will be happy to ensure it is forwarded to the correct team supervisor for a speedy response; my email is [redacted] Thank you, [redacted]
We are very sorry to the complainant for her issue with lack of communicationI see from the claim notes that this claim is denied based upon the company policy; physical damage does not carry over form the policy only liability.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.This is a relatively new loss and one where the insured filed a loss within days of policy inceptionTherefore a thorough investigation is requiredI see from our notes that the adjuster did reach out to the complainant on December 3, but there has been no return call from the complainant since then.Unique does offer a Contact Us page as well; if the insured is having difficulty reaching their adjuster, they can use this page and usually are responded to with in hours.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.The Unique adjuster that was handling this claim, it is closed now, spoke with the insured yesterday, 03/10/He stated he received a notice from [redacted] which said there was $6,worth of damage to their truckThe insured said there was not as much damage done and he does not want his insurance company paying for something that was not viableThere is damage but he doesn't feel it is $6,worth of damage.The adjuster then spoke to the [redacted] GroupThe adjuster explained that she would be in touch after the estimate was reviewed by our physical damage team and she would reach out to them thenThe [redacted] rep on the phone said she would be out of the office until Wednesday but that the adjuster can speak to anyone on the team and she would circle back when she returns next week.Thank you, [redacted]
Thank yo for the opportunity to respond to this complaint.From reviewing the claim file: This complainant did speak with our adjuster on 06/20, who explained about the VIN issue and explained to the complainant that he needed to contact his insurance agent to correct the issueShe told him that Unique is not able to correct it on our end, it was his responsibility to meet with the agent to fix itHe said he understood.The adjuster then noted the coverage issue with the VIN number not on the policyUnique has ordered a police report as of 06/21.On 06/23, it is noted that he spoke with the team lead and she advised that we received the paperwork submitted and we will review the file and call him backShe then notes that the call was ended before she could fully explain the process, which means the caller hung up the phone.Had he continued his conversation with the team lead, he would have discovered that we need to investigate the situation fullyIt may have been agent error, but he purchased another car, same make, same model and an update did not occur We are in the middle of looking into the situation and the IL [redacted] provides a guideline of days to resolve an insured's claim and Unique is well within this guideline at this timeWe hope to resolve the claim sooner but until we complete looking into the matter, we do not have a decision for him at this time.Thank you again, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ Thank you for the opportunity to respond to Mr [redacted] ' complaint Try as we might, we do not always hit the mark with our service and we apologize for the lack of communicationHer adjuster is reviewing the file today and will contact Ms [redacted] and the repair shop Thank you again, [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was contacted today but the response is not satisfactoryI was told I need to wait until Unique contacts the other driver and gets a response from that driverI have no idea how long not this will take and feel it's unnecessary and a stall tacticA police report was done at the scene of the accident and that information was provided to UniqueThat should be enough to move forward and get my car fixedFurthermore when I called Unique on August to report the accident, I was not informed that this was part of the procedureI was only told to complete paperwork, fax it in and get an estimate...all of which is doneI would like Unique to approve these repairs by Friday, September so this matter can be settled Final Business Response / [redacted] (4000, 9, 2015/09/08) */ Per Ms [redacted] adjuster on this claim: "We are continuing our investigation and await cooperation from our vehicle operator to confirm the facts of the occurrenceWe have spoken to the named insured who has advised that the insured vehicle has a manual transmission and the insured vehicle may have rolled back as the clutch slippedWe endeavor to affirm this with the operator of the insured vehicle as the named insured is of the opinion that the cause of the loss was contributed by the complainant's violation of the following state statute: [redacted] 5/XX-XXX) (from Ch1/2, parXX-XXX) SecXX-XXXFollowing too closely(a) The driver of a motor vehicle shall not follow another vehicle more closely than is reasonable and prudent, having due regard for the speed of such vehicles and the traffic upon and the condition of the highway." The adjuster also noted in the file that he did attempt to contact Ms [redacted] and left a voicemail message at 3:PM on 09/03/and explained this extenuating circumstanceBut I do not see any note that she returned his call Once we have completed the investigation, we will circle back with both parties about the claimWe apologize for the length of time it is taking to resolve the claim but until we speak with the vehicle operator, we cannot make an educated decisionThe claim adjuster is keeping this item at the forefront of his list Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.While this claim continues to undergo investigation, the complainant has mentioned this issue to UniqueHowever, on more than one occasion, Unique claims representatives have explained to the complainant that due to the point of impact the oil leakage is non-accident related damageThe vehicle is years old and wear and tear will take its toll on vehiclesThe body shop said this is non-accident related, Unique's physical damage manager said it is non-accident related and the complainant then mentioned that her car jumped a medianA point which she did not mention early on in the investigation.At this time, our team supervisor handling the claim explained to the complainant that we will order a police report and once we review the report, we will make a decision on this issueI had someone on my staff check the system but the police report is not yet available.Thank you, [redacted]
This consumer has filed a complaint with the GA Department of Insurance and I respectfully request the Revdex.com close this complaint as it is now beyond the purview of the Revdex.comI can assure you that this complaint was answered today.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.Unique Claims personnel has been trying to reach this complainant several times nowIn fact, per the file notes, we reached out to her on:06/06: Could not leave a message since her voicemail is not set up05/05: Spoke with her to advise adjuster would email documents over again04/22: Left message on voicemail04/22: Rang once and went to voicemail03/Left message on voicemail03/16: Left message on voicemailPer the notes, we have spoken with medical professionals, her lien holder and auto sales yard more than we have been able to contact herI can see that at this time, we are awaiting proof of loss and power of attorney; both of which need to be signed and returned to usThese documents must be returned to us in order for a settlement with the lien holder to be processedIf the complainant has any issues, she may contact me at [redacted] and I will be happy to connect her with the team supervisor handling her claim.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.One of the Unique adjusters has been in contact with the complainant as recently as Monday, 04/04/and he said he would let us know when his photos and estimate were remitted to our companyIn reviewing the notes, I see no notice of this incidenceAs for calling our Revdex.com rating into question, I can assure this gentleman that we are an accredited businessAs of right now, we are awaiting the photos and estimate although, per our insured any damage to either vehicle is extremely minor.Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.Our offer still stands at this timeWe are under no contractual agreement to replace the complainant's parts with new parts only what is required per the policy.Since the complainant is dissatisfied with the offer, we can only suggest that she go through her own insurance companyThis way, her company will fix the car according to her policy and then can subrogate to Unique InsuranceThis way, she would even receive her deductible back as wellThis should not affect her rates either.Thank you, [redacted]
Thank you for allowing us to respond to this claim [redacted] has emailed us today and I was in the process of having his adjuster contact him based on his multiple requestsThen his [redacted] + review popped up on my computer where he named our adjuster publiclySir, I hope you understand when I say, she is allowed her privacy no matter what trouble you are having contacting the company Upon further investigation, I see that the complainant settled this claim with Unique yesterday, 10/26/The adjuster contacted him and discussed the settlement amount with himHe agreed to having the work done at the auto body shop where your vehicle is located and then after all the financial discussion and agreements; this claim has been closed Our adjuster did her job in less than a month since this claim was filed, when the state [redacted] allows for a day guidelineShe also ensured he received a very fair settlement amount for his claim Thank you, [redacted]
Thank you for the opportunity to respond to this complaint.The complainant's claim was denied back on 10/16/We contacted hm and explained the situationWhile the insured may have been ticketed for the accident; liability was called into question due to the place of impact on the insured's vehicleThe Unique adjuster involved contacted the complainant on 10/19/and explained to him that the claim was denied and the basis for the denialA written denial was sent as well and the adjuster suggested he turn the matter over to his carrierThe denial remains in effect.Thank you again, [redacted]
While this accident was reported to Unique Insurance at 4:PM on 02/02/2016; the coverage was bound for this policy at 11:AM on this datePer the [redacted] report, the accident occurred at 7:AM on 02/02/Denial will stand as there was no coverage for this accident at this time.Thank you, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/05/22) */ Contact Name and Title: [redacted] ***, Clms.Rep Contact Phone: [redacted] Contact Email: ***@uniqueinsuraceco.com Ms [redacted] recently contacted our office and left a message she accepted our offer to resolve her injury claimToday we sent a release to Ms [redacted] her email of [redacted] @***.com in the amount of $ As Ms [redacted] provided no rationale as to her request for $3500, we are unable to properly address this statement On 3/12/we sent a letter to Ms [redacted] detailing our rationale as to our (then) offer of $to resolveIn subsequent phone conversations with Ms***, we increased our offer to a final $ Upon receipt of the signed release, we will issue payment of $and consider this matter completed If we can be of further assistance, please advise Thank you
Unique is in the process of investigating this claimThis loss may have a coverage issue which requires further reviewWhen the adjuster explained this to the complainant on a previous call, she said she understoodWhile we can understand the frustration of the complainant, we are working to resolve this claim as quickly as possibleThank you, [redacted]
Thank you for the opportunity to respond to this complaint.The complainant did speak with a Unique supervisor and it was explained to him that material misrepresentation is grounds to cancel an insured's policyThere were issues with his previous record and while the complainant said the agent who wrote the endorsement ran his record, there is no record of this information in our filesThe complainant did become aggressive with our staff on a few occasions as noted in our notes and also hung up on the claims supervisor in one instanceAt the time, this claim remains a denial.Thank you, [redacted]