Associated Construction

Thank you for the opportunity to respond to this complaint. This complainant received a check in the amount of $365.97, which the [redacted] adjuster later contacted the complainant with a higher offer. since she incurred expenses the company decided to cover. She agreed to return the lesser check...

to us, which she did on June 20, 2016; also, she signed a release for a $488 check as well as a bodily injury check($500). On July 11, 2016, the accounting department discovered the original check for $365.97 had been deposited into a bank account on 06/13/2016. This check was voided by [redacted] since we had received the original physical check. A stop payment was not put in place because accounting received the physical check and the complainant returned the check in good faith to our team.Once the check was discovered as having been cashed by the complainant, our subrogation team has attempted recovery but the complainant has repeatedly picked up the phone and then hangs up the phone. We have received her voicemail and sent letters in our attempt for recovery. Finally, in April 2017, the subrogation representative sent her to a collection agency.On May 2, 2017, the complainant contacted our subrogation department and claimed we did not overpay her and that she did not receive any check from [redacted] in  exchange for the original check; denying the entire situation existed. She wanted to dispute details of the claim with the subrogation representative and went on to say how insurance companies ruin lives. When the subrogation representative explained that she was only calling for the amount in question, she became agitated and yelled at the representative. At which point, the representative told her she will disconnect the call and did so.In August of this year, the collections agency has recommended litigation as the next step in recovering this money. The complainant contacted [redacted] in November 2017, requesting reimbursement for all expenses on this claim. It was explained to her that once she reimburses us for the over payment, we can further discuss any other expenses.At this time, we have not yet heard from the complainant about the amount in question or received payment.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.This complaint is closed and denied by Unique Insurance as our Claims Supervisor and Physical Damage Assistant Manager both concluded and agreed that the fire was a result of an electrical short/failure and this is a direct exclusion per our...

policy: "(f): damage which is due and confined to wear & tear, freezing, mechanical or electrical breakdown or failure, unless such damage results from a theft covered by this policy".As for it taking awhile for Unique to make a decision, I see from our claim notes that  the complainant did indeed contact our company several times asking why no action has been taken and the same response was given: the complainant had not submitted the requested documentation so we could not move forward with the claim. Unique finally received the documents February 10, 2017 after having initially mailed them on November 30, 2016. From there, it took a short time until the denial was sent to the complainant.At this time, Unique stands by the denial as per the reasoning of our policy.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.The check for the repairs on this complainant's vehicle has already been issued as of 05/23/2016, It was mailed to [redacted] If the check has not yet been received, the complainant should notify us so we can stop payment...

and re-issue. As for her claims of pain and suffering, two Unique adjusters explained the process to her; she needs to be examined by a doctor and provide medical bills. Unique is not just going to pay out money without proof of injuries from a licensed doctor. No insurance company will do this but the complainant became agitated with the adjusters and began using expletives when this explanation was provided. Herein, the complainant also mentions that going to the doctor was not an option and she just wants money. This is not protocol. Also, this claim has taken a bit longer to resolve as our special investigations unit has become involved due to a suspicion of fraud. We will continue our investigation and follow the correct processes to resolve the claim completely.Thank you,[redacted]

After further review, this claim remains denied.The policy cancelled on 06/11/2016 at 12:01 AM and the accident occurred at 11:34 AM. The policy did not reinstate with a lapse until 06/16/16.Whether or not this person is an illegal immigrant or whether they are driving on an international license truly has no bearing on this claim. Everyone who drives a vehicle is required to carry insurance and non-standard companies like Unique Insurance will insure drivers such as this person. I can assure the Revdex.com and the complainant that we do pay claims when the policy is in effect and the payment is warranted. 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 requests. Then his [redacted]+ review popped up on my computer where he named our adjuster publicly. Sir, 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, 10/26/15. The adjuster contacted him and discussed the settlement amount with him. He 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 60 day guideline. She also ensured he received a very fair settlement amount for his claim.
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. I have received the check in the mail. Thank you.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/08/04) */
Revdex.com CASE#: XXXXXXXX
Contact Name: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@uniqueinsuranceco.com
On July 16, 2015, Unique Insurance Company offered to settle Mr. [redacted]'s claim by paying him $466.94, which represents the...

cost to repair his vehicle at a repair facility designated by Unique. Included with that offer was a Property Damage Release. It appears that Mr. [redacted] is dissatisfied with this offer, and complains that he does not want to accept the offer because he feels the repairs will not be performed by Unique's repair facility to his satisfaction. Unique disagrees with Mr. [redacted]'s opinion of its body shop providers because it only does business with repair shops that meet its standards. Unique feels that its body shop will repair Mr. [redacted]'s vehicle to the condition it was in before the accident, which is his desired resolution to his complaint. Unique adjuster Esi Munoz attempted to contact Mr. [redacted] by phone on July 22, 2015, to further discuss his claim but was unable to leave a voicemail.
Initial Consumer Rebuttal /* (3000, 7, 2015/08/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept Unique's offer to repair my vehicle. If Unique had treated my claim in a respectful and professional manner from the beginning, I might have accepted their offer of repair. However, since this claim has been handled in such a poor and unprofessional manner I do not want their shop to fix my vehicle. I do not trust Unique Insurance therefore I do not trust the companies with whom they do business. Given my experience with Unique and reading the numerous complaints logged, I cannot comprehend how they still have a good rating with Revdex.com much less how there are still in business. I submitted two estimates of repair to Unique. They can choose one of them and honor it.
Final Consumer Response /* (3000, 17, 2015/09/08) */
I would like for this complaint to be re-opened. I have tried to contact Unique Insurance multiple times to resolve this issue. I am willing to accept their offer of repair at their shop and in return I am asking that Unique or their insured pay for a rental car while my vehicle is being repaired. So far it has been two weeks and I cannot get Unique to return any of my phone calls. Here we go again. The same crappy customer service. I feel this is a fair solution since their client caused the damage on my vehicle. Why should I be inconvenienced to get my vehicle repaired when it was their insured party's fault? My wife and I both work and we have three active children. Being short one vehicle for a week is not an option. The two shops where I got estimates for repair would take care of a loaner vehicle. Unique's proposal does not provide for rental allowance. I am willing to work with them to get this done and they will not even call me back.
Final Business Response /* (4000, 20, 2015/09/23) */

Thank you for the opportunity to reply to this complaint.From the claim notes, I see there is a coverage issue with an undisclosed driver. The adjuster and her supervisor are working to resolve the issue. They should be able to circle back with the complainant before week's end.Thank you,Nick [redacted]

This complainant has filed a complaint with the state [redacted]. Please close this complaint.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the claims notes, as of 06/27/16, the supplement provided by the shop was emailed to the shop and payment issued for the difference of the charges. This claim is paid and closed. Thank you again,[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 fore the opportunity to respond to this complaint.The complainant should have an issue with his insurance agent, not Unique. Unique Insurance does not issue SR-22s on six month policies and the complainant has a six month policy. He should speak with his insurance agent about getting an...

SR-22 put in place. We are sorry if he was misled when purchasing his insurance policy but Unique is not at fault here.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:my decision to file a class action suit has to do with the fact that Unique Insurance Company consistently denies complaints. My Revdex.com complaint has to do with the way that this company chooses to handle their business. Them attempting to place the blame on me for them as a company being a terrible company with terrible business practices is not my fault it's theirs. And the Revdex.com and the public should know about it. hence the purpose of the Revdex.com complaint and the pending class action suit. As to my actual claim- that is how my car was damaged and it was clearly seen what happened to my car. My complaint had more to do with the fact that I had to contact this company numerous times and it was only AFTER I did a Revdex.com complaint, posted on facebook, posted on yelp and gave a call to the company MARKETING department did I receive a call back which was incidentally a denial of my claim. On the same day that I made all of these complaints. As to my tie rod and the other subsequent damage. My car was literally undriveable after my car was towed by the tow company. The tie rod was bent due to the method of towing used by this tow truck company. There was a scrape on my bumper that wasn't there before my car was towed on the same side as the damaged tie rod and this company who insured the tow company still attempted to avoid paying for their company's mistake.I have no problem at all informing them that a class action suit is coming because a company that consistently denies claims for no reason yet charges premiums and refuses to pay out for damages should not exist and the greater public should know about it. 
[redacted]

This is definitely the trick the insurance company to play in order to delay and eventually deny the claim, which they are responsible for.It is simply a phone call to clarify the driver's status, which she was covered by her parents' coverage. I am frustrated to deal with this delay. I started to understand why every time I called the company, the agent asked me if I could go through my own insurance, even it is their insurer's fault. Many people told me it was the trick this company always played, and eventually they can get out the responsibility.Revdex.com, could you please give me some advice what is the next step I should take? If the company does not want to hold that accountable?       
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Per the notes on this file, Unique attempted to contact this complainant several times back in February and left a message saying that a comp loss letter and questionnaire were mailed to the complainant and asked him to return a call to our...

main number to schedule an appraisal review. In fact, the adjuster says he attempted to call four times in one day. By May 17th, Unique had not received any of the requested information, no photos or estimate of the vehicle, and no return information from the complainant. The adjuster made note that she called the complainant and left a voicemail message saying that since there was no activity on the claim in over 60 days, the file would be closed. This is a normal protocol if there is no activity on the claim.Unique offers a variety of avenues to reach us including an online Contact Us page which is especially helpful when folks are having issues reaching a claims person. We receive e-mails through this channel all the time and are sure to send this info to the specific team handling the claim for a speedy response. We try to make certain each claim is handled in a timely manner but can only do so if we receive the proper information. The insurance brokers can also reach us through their specific marketing representative but in review of e-mails, I do not see any such request coming from a marketing representative. Moving forward, I will be sure to get this information over to Team A so they can re-open the claim and move it to resolution. I thank the complainant for the police report number so that we can prove liability, we will have an adjuster e-mail the proper documentation over to him so that he can complete the necessary paperwork and return it to us quickly.Thank you,[redacted]

Complaint: 11015941
I am rejecting this response because: Unique Insurance Process of investigation and service on this claim was serviced very unprofessional and with poor Customer service regarding basic common courtesy. this accident happen December 12 2015 and now only after  I filed several complaints has Unique insurance responded .Unique insurance new from first day of accident that their claimant wasn't insured but yet they dragged this claim almost one month looking for reasons to drop their insured party so they wouldn't have to pay claim.. and the Claims Adjuster was very Arrogant, Rude and unprofessional regarding this Claim.  customers after calling the service line are put on hold for almost an hour waiting just to talk to a operator, then transferred to  assigned Claims Adjusters voicemail. and customers will never receive a response from  their Claims adjuster if they don't keeping calling this company. Its almost like they expect claimants to just get frustrated and go away with the tactics that they use. this company has know attentions of paying claims in good faith to customers or Clients. very bogus under handed company. I would not recommend them. this must be Company policy .
Anthony [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10938612, and find that this resolution is satisfactory to me so far. Hope that there will be no further problems, including the receipt of check from insurance company to repair company.  
Sincerely,
Loletta [redacted]

Revdex.com:I was contacted today by Yasmin.  She was very nice and recounted events leading to today, stating that they had attempted to the contact the policy holder and things are kind of "in limbo"till they hear from him.  I explained that Ms. [redacted] told me on October 13, 2015 that since the policy holder was being uncooperative this was being forwarded to management for a decision.  Yasmin said she would talk to management and call me back in 5 minutes an hour and a half ago.   
Sincerely,
Laura [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 claim. As far as I can see from the claims notes, no return call from [redacted] has occurred. In 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 manner. If a message from [redacted] was received, they would have been called back. If 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]

Complaint: [redacted]
I am rejecting this response because: Even if that was the case I spoke with several agents at this location and all indicated that everything was okay and  all I needed was to send in the following documentations. The last person I spoke with was very rude and nasty stating well we saved you money anyway you could've paid more then what you did. If there where going to deny my claim how come it took over an month to inform me of there decision whereas though I continued to pay out o pocket for a rental they know I was not going to get reimbursed for that is my argument when I have been keeping in contact with them frequently.  
Sincerely,
[redacted]