Associated Construction

Thank you for the opportunity to reply to this complaint.
First, allow me to say that the adjuster, [redacted] has never been offensive on the phone and disrespectful to callers. She is, in fact, one of the most professional associates I have monitored on the phone here or anywhere else. I...

am a little shocked by the complainant's comments. I will, however, speak with the adjuster about these comments.
Second, we apologize if the information sent was not clear enough for us to read and we needed to place a few requests to the complainant to re-send the info. It could simply not be read on our side after receipt.
On 10/22, the adjuster reviewed the medical bills and records and they were legible this time. On this day, our adjuster also had a conference call with the complainant and [redacted] to verify the amount of their [redacted] lien. They could not reach anyone in their liability department and the complainant advised she would contact them herself. Our adjuster advised her that once we have that information we can evaluate the medical records.
As of today, 10/27, we still have not received any information from [redacted] about an [redacted] lien either from the company directly or the complainant.
Until this information is received, we cannot proceed with this claim.
Thank you,
[redacted]

Thank you for the opportunity to respond to this complaint.Our offer still stands at this time. We 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 company. This way, her company will fix the car according to her policy and then can subrogate to Unique Insurance. This way, she would even receive her deductible back as well. This should not affect her rates either.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because: I am still waiting for my car to be repair. It has been a run around. Different Body Shops they sent the car to. Now time has been wasted. I need  my car now.
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Our adjuster has been in contact with the complainant yesterday and today. She has explained the process and next steps. The adjuster also sent documents out to the complainant for completion. The adjuster is working toward claim...

resolution.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.We apologize to the complainant for the severe lack of communication between our her and our company. We will be speaking with the adjuster about how this occurred. At this time, the adjuster has contacted the complainant and left a...

voicemail message for a return call. Once we receive a return call from the complainant we can schedule her car to be appraised and photos taken.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the adjuster's notes in our database as of January 12, 2016..."Below you will see the notes that were entered in the system and the last time I spoke with the insured was on 10/21/15. The insured lent her vehicle to a family member...

they     took the insured vehicle to Detroit and the vehicle has not yet been returned. I also advised the insured to return all the requested paperwork to try and move forward with the claim.l Nothing has been received to date. Claim more than likely would be denied due to the face that the insured gave possession of the car to the family member. No forced entry or car jacking etc."Since one of the documentation was received from the complainant, Unique closed the file due to lack of activity.Thank you,[redacted]

Initial Business Response /* (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 communication. Her adjuster is reviewing the file today and will contact Ms....

[redacted] and the repair shop.
Thank you again,
[redacted]
Initial Consumer Rebuttal /* (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 satisfactory. I was told I need to wait until Unique contacts the other driver and gets a response from that driver. I have no idea how long not this will take and feel it's unnecessary and a stall tactic. A police report was done at the scene of the accident and that information was provided to Unique. That should be enough to move forward and get my car fixed. Furthermore when I called Unique on August 10 to report the accident, I was not informed that this was part of the procedure. I was only told to complete paperwork, fax it in and get an estimate...all of which is done. I would like Unique to approve these repairs by Friday, September 4 so this matter can be settled.
Final Business Response /* (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 occurrence. We 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 slipped. We 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 Ch. 95 1/2, par. XX-XXX)
Sec. XX-XXX. Following 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 3:52 PM on 09/03/15 and explained this extenuating circumstance. But 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 claim. We 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 decision. The claim adjuster is keeping this item at the forefront of his list.
Thank you,
[redacted]

While we apologize for the lack of communications with the complainant, Unique is standing by our insured and our offer still stands. It is my belief that the complainant will not be satisfied with any answer except for one where we repair all damage to her vehicle including previous from either betterment or a different accident. At this time, I respectfully request the Revdex.com close this complaint.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:It took this company 2.5 months to "get around" to rejecting the claim along with me calling 3-5 times per week and leaving countless voice mails. The only time I received any correspondence was after I called  the VP [redacted] and and left messages in her voice mail. I never did get a return call from her. Just because a company responds to a Revdex.com complaint and pays their dues doesn't entitle them to an A rating. The rating should be based on the content and amount of complaints they receive. This company has a history of this type of practice and shouldn't even be allowed to operate. 
Sincerely,
[redacted]

Thank you for the opportunity to reply to this complaint.Per our policy, if we have an uncooperative insured on the policy, this is considered a breach of contract and would then end in a denial of a claim.However, I see from our notes that we indeed contacted our insured and received the release...

forms from the complainant and a check was issued on 06/14/17. This claim is considered closed by our company.Thank you again,[redacted]

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:It doesn't address the fact that Unique's insured is 100% at fault and therefore liable for PROPERTY DAMAGES to my vehicle.  The accident occurred outside of my range of eye sight which means there would be no possible way for me to exercise any type of evasive action.  Unique is holding me accountable for 15% of the damages banking on the fact that this won't go into arbitration.  If it were to go before an arbitrator then would undoubtedly lose.  I've been advised by my insurance carrier that under the fact pattern they in no way would pay for any damages to their insured.   Unfortunately I only have collision insurance and aren't offered the same access to a fair adjudication process and Unique is taking advantage of that.   This is unfair business practice at its worst.  
Sincerely,
[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]

Thank you for the opportunity to respond to this complaint.Originally, Unique was going to deny the policy due to a breach of contract as the insured hadn't responded to our attempts to contact. We then received the accident report form from the insured with an explanation of their side of the...

story. The insured is not claiming fault. Also, there is no police report or proof to substantiate the claimant's contentions therefore this claim will be denied.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 30 days of policy inception. Therefore a thorough investigation is required. I see from our notes that the adjuster did reach out to the complainant on December 3,...

2015 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 24 hours.Thank you,[redacted]

Complaint: [redacted]
I...

reject Unique insurances assertion that this is no longer a Revdex.com issue. The Revdex.com has approved and rated this company, product or service as A+. The reputation of the Revdex.com rating system is, or should be of great importance to the Revdex.com. Unique insurance has not disputed any of my claims nor has it pledged to seek resolution in good faith. Therefor, my complaint still stands.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: they do not need to get ahold of their insured to move forward to resolve this claim. They were sent the physical police report stating what had happened at the time of the accident. I have not received a rental car, have missed out on almost a month of work, and have had to pay all medical bills out of pocket since the accident on march 9th and have yet to get anywhere with this company, not even a call back. I was told yesterday if they do not hear back from their insured that they will drop my claim due to the fact he just opened up his insurance with Unique in February and that there was an injury involved.  Again I need a rental and to settle this claim by April 24, 2016 or I will be contacting the [redacted] and will file a claim with them. There is no reason to not settle a claim with the reason being you are waiting on a response from your insured when you have a legal police report stating what had happened during the accident and that their insured was the one operating the vehicle.
Sincerely,
[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-payment. But, as the complainant is a former employee of one of our...

sister companies, I asked Underwriting to process the flat cancel as a goodwill gesture. The complainant should receive a check within the next 10 days.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint. If the complainant could please provide her daughter's name and/or a claim number, I can investigate this file better.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.A replacement check was sent via [redacted] by me, personally. The check was received by the complainant on 03/29/17. Unique apologizes for not getting her reimbursement to her sooner.Thank you again,[redacted]