Associated Construction

Thank you for the opportunity to respond to this complaint.First allow me to say that the timing set by the IL [redacted] is 60 business days to use as a guideline in settling a claim. This claim was filed on 02/22/2016 and Unique is well within this guidelineIn fact, the adjuster has...

spoken to the complainant and her boyfriend several times over the past week. At this time, the complainant is well aware of the status of the claim and what needs to be done. She and her boyfriend have both told our adjuster they have understood the explanations and are working with the company to resolution. The adjuster explained that we need a police report and provided the insured with her e-mail address to send the report. Once received, we can move forward with the claim. They are aware of the monies involved and have notified the adjuster that they understood the explanation.At this time, we are waiting on the police report to move forward.Thank you again,[redacted]

Thank you for the opportunity to reply to this complaint.We are very sorry if Ms. [redacted] is having an issue reaching her adjuster and will be sure to ask him to return her call. Per the claim notes, on 01/11/16, Ms. [redacted] notified Unique that she decided to process her claim through the claimant's...

carrier and NOT Unique Insurance.We will ask the adjuster to contact her today.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:  insurance companies are suppose to help their customers in time of need. No matter how I got around the $20 should still be given to me after how poorly I been treated. I had no other choice since I couldn't rent a car. Hand written or not its legit and should be honored.
Sincerely,
[redacted]

At this time, we have received an estimate but no photos for this claim. I have not received any emails from the complainant and I can assure you, I receive emails at [redacted] all day. Usually, I even check my Bulk Mail to see if anything is hidden there.The complainant can try sending the info to [redacted] as well. This is the supervisor for the team handling this claim.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.The Unique adjuster has explained to the complainant as recent as 12/23 that the shop is working on getting parts for her vehicle. She has been notified that these parts will take time to get into the shop due to the holidays, especially...

Christmas since they were just ordered beforehand. The shop notified the adjuster that the insured has called asking to rush the vehicle in spite of the explanation about the parts and she is demanding new parts be placed on the car. Per her policy, Unique is not contractually obligated to supply new parts for her vehicle. The complainant is also demanding of the body shop that she be placed in a rental car. the auto body shop does not provide these services and since she chose not to participate in our Rental Reimbursement program, Unique will not offer a rental car either. We are working toward having the complainant's vehicle fixed but, again, we need the parts to arrive and the shop will take care of her vehicle then.Thank you,[redacted]

Initial Business Response /* (1000, 5, 2015/05/06) */
In Response to Ms.[redacted] complaint.
Mr.[redacted] called in to report damages to his vehicle from my insured Ms.[redacted] accident happen on 4/3/2015,Called Ms.[redacted] to get account of what happen to cause the accident.Assigned Mr.[redacted] to a shop...

to inspect vehicle for damages. Insured [redacted] sent in estimate from JM auto repair. Mr.[redacted] called in about the status of his claim. Advised need statement from my insured Ms.[redacted], Ms.[redacted] was returning calls regarding accident.Once I made the call to insured [redacted] left voice message.Finally contacted Ms.[redacted] informed estimate will be faxed to the shop and payment will be processed.Now Awaiting for Mr.[redacted] to accept the offer for his damages.

Thank you for the opportunity to reply to this complaint.The claim was denied due to a lack of coverage. This accident occurred on 11/30/2016 at 2:01 AM per the IL Traffic Crash Report. However, the complainant did not bind the insurance policy until 1:28 PM on the date of loss. She did not have...

coverage until AFTER the fact and called in the loss knowing there was no coverage for the accident. And, to clarify, the adjuster was correct in saying that the customer service representative, who took the original call, is not an adjuster and cannot provide a decision on the claim. Lastly, the complainant ended the call with our claims team supervisor, our associate did not hang up on her.At this time, the claim remains denied.Thank you,[redacted]

Thank you for the opportunity to reply to this complaint.This gentleman's claim is barely 10 business days old. We have mailed out necessary forms for him to complete and they have not yet been received. In an attempt to contact him today, the adjuster notes that the call went to a message saying...

this voicemail is not yet set up. We cannot contact the complainant if there is no answer or we cannot leave a message.Thank you again,Nick [redacted]

Thank you for the opportunity to respond to this complaint.The complainant should have received a letter of denial on this claim. This accident occurred on 01/27/16 and the insured's policy was canceled on 12/22/2015;. Therefore there is no coverage for this date of loss. Unfortunately, the only...

process we can advise is that the complainant file through their own insurance company. Thank you,[redacted]

I honestly do not know why that is but I can tell you that an offer was faxed and a hard copy is being mailed today.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint. At this time, I have no reason for the lack of communication on the part of Unique Insurance. I would like to apologize on behalf of the entire company for not acting faster to settle this gentleman's claim. His estimate is approved and I...

have asked an adjuster to contact him to resolve the claim and expedite getting a check out so his claim can be closed.Again, Unique apologizes for not being a better business partner with this complainant.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.I see from the database that a check was issued to the complainant on January 28, 2016. If he is not in possession of this check, we will need to cancel the check and resend it. If the complainant had issues reaching his adjuster, we do have...

other avenues for contact such as our Contact Us page on our website. Responses are usually processed within 48 business hours. We apologize for the lack of communication with the adjuster and we will notify her supervisors of this behavior.If the complainant will notify us at [redacted] about the check, we can stop payment and re-issue.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.This complainant chose to go through his carrier. Once a claimant makes this decision, the two carriers settle the claim between themselves and either company cannot speak to either party.At this time, this complainant would need to contact...

his carrier for more information.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:
As I told them that was a error on their part with paperwork but if they send paperwork again I will sign just to get it over with but that still don't help me with my [redacted] I was paying for full coverage on it and then when I had accident they want to not fix it everything works init but the axle broke because of rust who looks under a car to see if it got rust they should check cars before taking my money and then deduct because rust is here and there
Sincerely,
[redacted]

Thank you for the opportunity to reply to this complaint.While Unique apologizes for the lag in resolving this claim, we have been in the process of fully investigating this claim. Our adjuster has reached out to the complainant and left a message for him to return the call. We have affirmed what he...

has already indicated to our office: He is of the opinion that our insured gave false information as to the circumstances surrounding the loss and that he would seek recovery through small claims.We have advised we would protect our insured interests regarding any litigation filed against him regarding the matter but we can not voluntarily pay the complainant claim for damages as to the dispute of liability.We are looking to resolve this claim in an expedient manner. Again, we apologize for the lack of communication.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the claim notes, I see that we are still waiting on a police report. The complainant is correct, they did submit a police report but with much of the report blacked out, as if redacted. Unique has requested a new police report free of...

any black marks and un-redacted. Until this is received, the claim cannot move forward in the process. Once we received, we can continue our investigation.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.Our adjuster has been very accommodating to this complainant. In fact, we have every conversation noted in our database and she has spoken with this complainant practically daily. If she is frustrated with the timing, we can certainly...

understand that people want a quick resolve to issues such as this situation. Per the [redacted] guidelines, we have 60 days as a reasonable time to complete the claims process and Unique is certainly well within these guidelines.At this time, we will issue a check for the total loss to [redacted]. Once we receive the title from [redacted], we can then pay the complainant the remainder balance. The Unique adjuster has explained the details of the settlement to the complainant. Hence the complainant should already understand that we will pay for transfer of title and taxes. As a good will gesture, Unique will issue a check to the complainant for the transfer of title and tax. If the complainant is looking for additional monies for her alleged emotional distress, pain and suffering, she will need to seek out legal representation; but this will most likely prolong the process. The inference here is that the complainant wants a swift resolution.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.This complainant has decided to attend to this claim through their carrier. Once a claimant decides to use their carrier, we can only work through said carrier. As this complainant was instructed by our team, any questions should be referred...

to their carrier. Lastly, the Illinois Department of Insurance set 60 days for a carrier to use as a guideline to resolve a claim for a third party claimant. Unique is well within this timeframe currently.Thank you,[redacted]

This claim is in the process toward resolution. The complainant has provided all the paperwork we need, as of now. We received the [redacted] report and I will ask the team supervisor to review the information in a timely manner. We apologize for any lack of communications this complainant has...

experienced.Thank you,[redacted]

Complaint: 11014972
I am rejecting this response because:Duly noted. 
Sincerely,
Virginia [redacted]