Associated Construction

Thank you for the opportunity to respond to this complaint.This claim was filed by the complainant on 12/14/At this time, he expected Unique to provide a rental and wanted to know how long this will take to resolveOur adjuster explained that we needed to perform a thorough investigation of the
claim and all claims are different so we cannot predict a date of resolutionUnique discovered there was a coverage issue with the claim and sent a request to Underwriting who could verify this issue.On 12/31, Underwriting notified the adjuster that there is no coverage for htis loss and a denial letter was sent to the claimant.Thank you,Nick ***

Thank you for the opportunity to respond to this complaint.Per the claim notes from 03/21/17, an offer was sent to the complainant on that dayThe claims associate attempted to reach the complainant via phone but no answer so she left a voicemail message and sent the offer letterI do not see any
follow up notes on whether the complainant has called us back to confirm or deny the offer.Thank you,*** ***

Revdex.com:I would like to add my phone number also *** All I am asking is for my car to be fixedWe have followed all the rules and my insurance company has done the sameMy insurance company has even tried to contact them several times with no responseI am emailing pictures as well as the estimateI was hit by there client in the drivers side back door and haven't gotten any kind of response from them what so everI hope this removes the problem and move forward!!!!
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/08/11) */
Case ID: XXXXXXXX
Contact Name: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@producersnational.com
According to our records, a check representing full settlement of Ms***'s claim was issued on July 24, 2015, and
received by the auto body shop repairing her vehicleMs***'s body shop acknowledged receipt of the check via email on July 29,

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: they contacted me right after I left the review, then stopped all communicationsEven after I sent all documents they requested.
Sincerely,
*** ***

Thank you for the opportunity to respond this complaint and please accept my apologies for the tardiness of my response.I see, per the claim notes, that an offer has been extended to the complainantIt is based on that fact that our insured had almost completed his turn when the complainant struck
his vehicleThere fore Unique accepted 51% of liability in the accidentIt is noted that the complainant did receive the offer, laughed then hung up the phone when our adjuster attempted to explain the offer to herAt this time, Unique stands by the offer and we hope the complainant will call to discuss the offer reasonably with our adjusters.Thank you,*** ***

The complainant says that she sent in the *** report but after reviewing the file and going online to check its availability on *** we still have no record of the *** reportIf the complainant can tell us who she sent it to, how it was sent and which address, this would help considerably in finding it.Thank you,*** ***

Complaint: ***
I am rejecting this response because: I have tried to make contact with the insurance groupThey refuse to return any calls to resolve this
issueI am in the right and refuse to overlook thisIf I receive a check for the estimate I sent as requested I will close this complaintI also filed with the ***
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint, however, I cannot find this person in the systemIf they can provide a claim number, I should be able to investigate further.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.It seems there may have been some communications issues pertaining to this claimThe date of loss is May 8th and the claim was filed the next dayOn this day, we learned of a coverage issue as the complainant's son was driving the vehicle
and therefore an undisclosed driverOur claims team contacted the complainant's son, who was also added to the policy on May 9th, and spoke to him on May 9th about the accident and explained next stepsShe reviewed the claim and explained that the vehicle needed to be moved to a fee free storage facility; the complainant's son said he would contact Unique and let us know when the vehicle is releasedHe later called on the same day saying he was unsure where he wanted the car to be taken and it was explained to him that Unique "will not be responsible for labor rate differentials or any storage charges from here on, as we are attempting to move to a storage free facility"The insured said he understood and said he would call back with a decision.Our adjusting team sent an appraiser to look at the vehicleIf this person spoke with the body shop employees or not really serves no relevance to this complaintOn June 12th, our team received collision payment authorizationAn adjuster contacted the complainant and review advance charges with herthe notes say "she was not happy and did not understand why $in fees are being charged back to herAdvised that we communicated this information to *** therefore we will not be responsible for that portion of fees chargedInsured finally understood and agreed to move forwardInsured will pay total to body shop after repairsAll understood and agreed."The complainant also received rental reimbursement for the amount of time the vehicle is in repairs, which per the policy, is allowedAs to the amount of calls attempted to the company, I can run a trace on the calls if she were to provide the phone number from which they called and see if the calls were abandoned or responded to in a timely mannerUnique Claims works with a team format, we have, on average, six or more people per team to answer calls, make calls and respond to voicemailsIn order to process the claim expediently, this format allows a claim to move faster through the process rather than one person handling a large caseload of claimsTheir calls should have been answered or responded to almost every time they attempted contact.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.The complainant should contact her carrier about the outcome of this claimUnique sent them a letter on 02/08/denying the claim due to non-cooperation on behalf of our insuredWe can understand her frustration on the lack of
communication but it is the claimant carrier who did not notify her in a timely manner of the outcome.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.ByPass Auto Body is one of our preferred vendors and we have contracted rates with this shopWe believe there may have been confusion when the complainant first took her car to the shopThe estimate provided to Unique by the shop is for
$952.26, we are unsure as to where the $estimate came fromWe think this number is based on the shop not knowing this is a Unique claim and higher labor rates were chargedThe lower estimate used contracted ratesThe adjuster has sent the release forms to the complainant and once received, we will have her vehicle fixed at the estimate provided us by the shopThis has been explained to the complainant who continues to say she does not understand how there can be such a difference in estimatesWe hope the complainant will sign the release so her vehicle will be fixed and we can issue a check for repairs.Thank you,Nick ***

It is obvious from his rejection that Mr*** is unwilling to speak with our representative and we are very sorry he feels this wayOur adjuster's supervisor has phoned, per his note below:Written By: Sakib *** Title: CALLED CLAIMANT Added: 01/28/9:19:AM Diamond System Date: 01/28/Added/Appended by: ***09:am ***, no answer, voice mail box picked it up and stated no voice mail box set up yet and person is not taking calls at this time, unable to reach claimant at this time or to leave a message The complainant also says he is unwilling to come to terms with Unique Insurance per our process and protocols and that he will not be satisfied with whatever we do so at this time we respectfully request the Revdex.com close this complaint due to his comments"I'm not going to accept their responseI will also not be taking phone calls from Unique Insurance in the future" It seems it is the complainant who is looking to prolong the process, not Unique.This claim is business days old and he must understand that we are in process of resolving the claim.Thank you,Nick ***

Thank you for the opportunity to respond to this complainant.I see per the claim notes that this claim was resolved, paid out and closed on 03/23/It is my belief that the complainant must have agreed to the payout in order for this to have happened.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.The adjuster met with the complainant on 03/16/when she came to our officeShe explained the claim process to the complainant and she reviewed the evidence of the accident with herAn appraiser appointment was set up with her for
03/20/and the appraiser phoned the night before to confirm and discuss where the vehicle was locatedOn the day of the appointment the car was not in the prescribed location and the complainant said her husband had taken the carShe was told to take the vehicle to a drilocation as the appraiser could not return to her homeUnique later set up another appointment for her vehicle to be reviewed on 03/31/16.Thank you,*** ***

This complainant filed a Department of Insurance complaint which will be/has been responded to by the companyI respectfully request the Revdex.com close this complaint as beyond the purview of the forum.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Unique has addressed all of this complainant's issuesYesterday, 02/06/2017, we received an email from the complainant asking about a $discrepancy in his rental reimbursement; on 01/20/2017, he was advised that Unique would pay his
rental fee from 12/16/which is the date his vehicle was dropped off at the body shopAt this time, we have paid his rental reimbursement, the original estimate and the supplemental estimateI will say that this complainant was very upset with our employees when they explained the rental reimbursement program; he was upset that we would not provide him a rental even after we assured him that we would reimburse himHe became very abrupt with our employeesWe reimbursed him for days starting on 12/16/and the check was issued on 02/03/The claim is paid and we have closed itThank you,Nick Dorado

Our physical damage team have been in the business a long time and I can assure the complainant that they know what they are doingMany insurance companies have desk appraisers who are employees who look at images of a vehicle and based on past experience, and knowing what to look for, can assess the damage and build estimates in this mannerThe complainant did not go to one of our contracted shops for photos and estimateShe sent it to our company and our appraisers did their job.Thank you again,Nick ***

Initial Business Response /* (1000, 5, 2015/09/18) */
Thank you for the opportunity for responding to this complaint
Ms***, the adjuster, has been in contact with Ms*** almost daily and she has spoken with her insurance company, GEICOIn fact, she spoke with Laticia from GEICO on
09/14/
We were waiting for information from Ms*** to continue the claims process and she did not provide the written statement neededOur insured has already claimed fault to the accident but without the complainant's cooperation, it is difficult for us to complete the process
We hope Ms*** will be able to complete the forms sent and provide the information so we can resolve the claim in a timely manner
Thank you,
Nick ***
Initial Consumer Rebuttal /* (3000, 7, 2015/09/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Robin *** is prolonging this claim and now my car is unsafe to driveRobin *** is aware of my unsafely with my vehicle, but she is not concernThe damage panel is rubbing against my tire, making air to link and the steering wheel is shaking, I email Robin *** on Sunday told her yesterday and she is still ignoring all requestI want to get my car repair before I have a blow out
Final Business Response /* (4000, 9, 2015/09/25) */
We have contacted Ms*** about her claim and requested the necessary information from herWe have received emails titled: Fwd: LIFE N DANGER claim no 15MSPwith a litany of religious information, with which we are not sure what to do
We would like nothing more than to fix Ms***' vehicle, but she must complete the required formsIt is not Unique's fault that she does not like our processAlso, she has not filed a complaint with the IL Department of Insurance so at this time, we would request the Revdex.com close this complaint
Thank you,
Nick ***