Associated Construction

The Uniwue adjuster has attempted to reach *** ***s, however, when she phones the number listed on our claim and the number on this complaint but nobody answersThe phone number listed on this complaint has a voicemail box which is not set upTherefore, we cannot reach this complainant to address her issues.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Per the claim notes, the adjuster contacted this complainant on 06/extending a full offer to herThis claim was filed on 05/and the offer extended on 06/21; Unique Insurance is well within the ** *** of *** guideline at
this time.Thank you again,*** ***

Thank you for the opportunity to respond.I see from the claim notes that this incident occurred on 02/17/and not reported by the complainant until 02/22/The complainant was unable to schedule photos and estimates at the time of the report and said he would call back to scheduleOn March 7,
2017, he called to schedule but the shop he wanted to go to was unavailable on the date requestedHe said he would call back to rescheduleOn 03/27/17, we scheduled the complainant to take his vehicle for photos and estimateOnce we receive this information, we can move forward with the claimThe IL Department of Insurance set a guideline of days to work toward claim resolution for third party claimants and at this time, Unique is well within this time frameBarring any unforeseen circumstance, I do not anticipate this claim taking that long to resolve.Thank you,*** ***

We have resolved this claim with this complainantUnique apologized for an errant check and we are in the process of issuing a new oneOnce the new check is issued, I will drive the check to the body shop myself so the vehicles repairs may commence.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Per the claim notes, this file is closed due to non-cooperation by the complainant. As this was a theft, her file was sent to our Special Investigations Unit who noted in its report to the adjusting team:* Video produced is unable to be played - IT attempted to play video with negative results * Cell phone activity was not disclosed - Insured sent screen shot but we cannot accept them because they do not verify the account or number they belong toSIU advised the complainant the phone activity needed to be obtained online via their account but she claimed she has no access to the internet. (Didn't the complainant file this complaint online?)At this time, the team will be sending a denial letter due to non-cooperation unless we receive, in a timely manner, the proper phone records requested. Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.After speaking with the Claims Supervisor handling this claim, I discovered the complainant had already spoken to her team and the supervisor updated her on the claim. On behalf of the company, I would like to apologize to the complainant...

about the level of service provided. We hope after speaking with the supervisor, she understands the direction of her claim and that we look to a timely resolution.Thank you again,Nick [redacted]

Complaint: [redacted]
I am rejecting this response because: How did I have coverageat the time if I received a cancellation notice with no reinstatement letter afterwards, correcting the problem before it was noticed by me? Had I not brought this issue to attention then I would still be uninsured! No one is owning up to responsibility and doing the right thing! I paid for a month that my coverage got canceled! How can it get more absurd than that! Really! I am not trying to pursue no further legal action other than to be reimbursed for a month that I was not covered. Using big words will not waiver the fact that Unique Insuranceis in the wrong! What is so hard about doing the right thing?
Sincerely, Brittney [redacted]
Brittney [redacted]

Thank you for the opportunity to respond to this complaint.This claim was not being handled by the employee named in the complaint. He is our Special Investigations Unit (SIU) lead and trying to obtain information for the adjusting team. The complainant did send in a CD which, allegedly, contained...

content showing the vehicle theft. He was unable to open the CD content and asked our IT Department to open it. They were unable to unlock it as well. Our SIU lead reached out to the complainant again to explain the situation. Per the claim notes, she told SIU that she cannot get access to the Internet and works all the time. Nor can she get online to obtain cell phone logs. SIU advised her that he would close the investigation for non-cooperation and that she would have to produce the documents requested and the video in order for the investigation to continue. The complainant disconnected the call and SIU closed their file.At this time, the complainant can provide the necessary information or the adjusting team will have to deny the claim.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:
Everything in un-true in this statement. Yes I filed this complaint online with my mobile phone, in which I've sent the records (phone) to them, the very same ones that they are saying that they can't use or see...bull crap! My next step is legal representation. I'm sure that they can use my proof.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: On 3/21/2018 when I reported the accident to Insure on the spot, they directed me to file a claim with Dellan [redacted]'s insurance ([redacted]). So, I followed theinstructions of Insure on the spot Representative, and she made a report of the accidents, not once did the representative say contact Unique to file a claim. However, it is only 4-days past the 31-day reporting.  So,I should not get penalized for following Insure on the spot instructions. Insure on the spot can anything after the facts. They are refusing to pay a $700 dollar claim on a $1200.00 bill, my deductible is $500.00 dollars. Really! There stalling to keep from paying out my claim!!!
Sincerely,
Lee [redacted]

Complaint: [redacted]
I am rejecting this response because:  This is not true, denial letter was faxed to unique insurance company the same day of request October 3, 2016 from [redacted] & Associates and also from the at fault driver insurance company [redacted] Company. Proof can be provided if needed, this is a example of the lack of updates and cooperation from this company I'm speaking about. I have done everything they asked of me in a timely manner and I get nothing but misinformation and delays
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.As the complainant explains in his notes, he did not report the claim to his insurance company, Unique Insurance, but to his agency. They, in turn, directed him to the claimant's carrier. Once the complainant reported the accident to Unique...

Insurance, it was past the window to report a claim in a timely manner. Per the claim notes, a letter was sent to the complainant explaining the situation: "Your policy states that you must contact the Company within 31 days to report the loss. In your case, you did not contact Unique and instead, contacted your agency Insure on the Spot. Please be advised that you will need to take the matter up with them as per the terms and conditions of your policy state you must report the claim to the insurance company.  Reporting the claim to your agency does not comply with the terms and conditions."Unique adjusters spoke with the agent who worked with the complainant on this claim and he said they directed him as per their procedures. We explained the denial to the agent and he said he understood. It is always highly advisable for an insured to report a loss to their insurance company so they have  it on record, even if they are going through the claimant's carrier and would like it recorded for information purposes only.The denial stands per the claim notes.Thank you,Nick [redacted]

Thank you for the opportunity to respond to this complaint.Per the claim notes, I see that an offer was sent to the complainant's office. on 02/19/18. Once received, they can contact us with their decision.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint. I see that, after investigation by our adjusting team, this claim was denied due to material misrepresentation by the insured. Therefore, the insured was in violation of the policy and it was rescinded. At this time, the complainant would...

file a claim with their carrier.Thank you again,Nick [redacted]

Thank you for the opportunity to reply to this complaint.I see from the adjuster's notes that she received the car rental receipt on 02/01/16. She contacted the complainant and explained to him the rental reimbursement policy and he understood. A check was issued and will be mailed today to the...

complainant.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 me.
Sincerely,
Aliyah [redacted]

Thank you for the opportunity to respond to this complaint.On the day this complaint was received, the Unique adjuster had already contacted the complainants about their claim. Per the adjuster's notes, the insured said the complainant had no injuries at the accident. When speaking with the...

complainant's wife, she mentioned he experienced a concussion and was acting strange.She then said she would have the body shop email the estimate and photos to the adjuster. The adjuster notified her that she would call when the estimate was approved on Unique's end.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 me.   
Sincerely,
[redacted]

Unique apologizes to the complainant about the lack of communications with the adjuster and her senior management has been notified of this behavior. As of today, 03/25/2016, the adjuster reviewed the file and the  estimate has been approved by our Physical Damage Department. She reached out to...

the complainant and left a voicemail about this info. She has mailed him out the release form and once we receive it back, we can issue payment.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.We spoke with the complainant on various occasions, most recently on 02/08/16. The adjuster left him a voicemail message and sent an email with figures and total loss paperwork for completion. She then called the shop and the rep there said...

she would contact the adjuster when the insured removed personal belongings so it can be moved.That was one week ago and this claim is just over a month old. Per the IL Department of Insurance, a company has a set guideline of 60 days for claim resolution. Unique is well within this timeframe. The adjuster has not received the paperwork requested and the complainant is only available by phone between 10:30-11:15 AM, Monday thru Friday. She will reach out to him in the morning.Thank you,Nick [redacted]