Associated Construction

Thank you for the opportunity to respond to this complaint and my apologies for it being overdue to the complainant.After reviewing the notes, I see that Unique still has not heard from our insuredThe insured has not corresponded or returned any callsWhile we attempt to provide timely resolution to claims, when the insured does not correspond, it becomes difficult for us to resolve quicklyI will speak with the claim supervisor handling this claim and we will try to wrap up this claim as quickly as we can.Thank you again, [redacted]

Thank you for contacting Unique InsuranceI can assure the Revdex.com that this is the first time I have received any information on a response needed for this complaintI do not have any previous record of this complaint sent to me nor was it in my Action Items list on the new Blue program until this morning.After further review, Unique apologizes to Ms [redacted] for the confusion and her check will be issued today in the amount of her repairsThe adjuster's actions will be reviewed by her senior management staff.Thank you, [redacted]

The date of loss on this claim is 04/29/15, the complainant did not file the claim until 05/05/The complainant has his car moved to the dealership and on 05/05, he said he will notify us if he wanted to keep it there or notOn 05/09, we verified the vehicle was still at the dealership and set appraisal assignmentOn May 25, the complainant called and said the dealership wanted more than what was estimated and provided approval for the vehicle to be moved to a preferred vendor shopLater that day, he called and said the vehicle charges were paid and vehicle was released from dealershipVehicle moved and estimate wasn't approved until 06/A letter was sent to the complainant in accordance with state regulationsThe vehicle should be in process of repairs at this time.Thank you, [redacted]

Thank you for the opportunity to reply to this complaint.The claim was denied due to a lack of coverageThis accident occurred on 11/30/at 2:AM per the IL Traffic Crash ReportHowever, the complainant did not bind the insurance policy until 1:PM on the date of lossShe did not have coverage until AFTER the fact and called in the loss knowing there was no coverage for the accidentAnd, 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 claimLastly, 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]

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

Initial Business Response / [redacted] (1000, 5, 2015/04/20) */ Ms. [redacted] is one of our Unique insureds who has been in contact with us recently. I have explained to her that we will speak to her adjuster about his behavior. In the mean time, I directed Ms. [redacted] to speak with our Vice President of... Claims; which she did on Thursday, April 16th. Our VP advised Ms. [redacted] that we are waiting on the police report to complete our investigation. Ordering the police report is an important step in the process and Ms. [redacted] should have received one at the accident scene. Since she did not, we need to order one from the department and this can take time. When speaking to the adjuster about this part of the process, she said she wanted to speak to a manager. Our adjuster advised her that he would not transfer her to a manager because they would tell her the same thing. The adjuster explained to her she could get the police report offline and she said she paid a premium and would not go online to pay for a police report. Therefore, we must order one from the police department. When the VP spoke with her, she explained the situation again and told Ms. [redacted] to feel free and call her back this week for a status update. Unfortunately, retrieving the police report can take some time and slow down the claims process. Thank you, [redacted]

Thank you for the opportunity to respond to this complaintAt this time, I have no reason for the lack of communication on the part of Unique InsuranceI would like to apologize on behalf of the entire company for not acting faster to settle this gentleman's claimHis 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 complaintThe agent even got involved in this one last week and this is the timeline provided to the agent:05/11/2016- claim reported to Unique, vehicle towed to [redacted] for inspection05/12/2016- vehicle deemed a total loss- claim pending PR as there is an excluded driver on the policy 06/07/- [redacted] report received 06/07/2016- insured contacted and advised of TL proceduresfile pending management approval 06/09/2016- file approved and insured contact with TL settlementTL settlement/paperwork was also mailed to insured Once the paperwork is completed and returned, we can complete this claim in a timely manner.Thank you, [redacted]

Thank you for the opportunity to respond to this complaint but this complainant has filed a claim with the [redacted] We respectfully request that the Revdex.com close this claim administratively as it now is beyond the purview of the Revdex.com.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/that the shop is working on getting parts for her vehicleShe 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 beforehandThe 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 carPer her policy, Unique is not contractually obligated to supply new parts for her vehicleThe complainant is also demanding of the body shop that she be placed in a rental carthe 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 eitherWe 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]

Thank you for the opportunity to reply to this complaint.This claim was filed on 01/20/2016; two days AFTER the actual date of lossPer IL Department of Insurance guidelines, they want all companies to work to resolve claims within daysUnique is well within these guidelines.Per the adjuster's notes, she spoke with the complainant on 01/28/He reviewed the details with herShe explained that he needed to take the car to a body shop which she had assigned to himShe even transferred him to the shop to schedule a time to bring the car to themAn appraiser is schedule to review the vehicle at the body shopThe adjuster also explained to the complainant that once the estimate is received, we can settle the claim and issue paymentIn fact, Unique associates spoke with Mr [redacted] three times on 01/28/16.We are unsure why he is filing a complaint when he has been provided all the information we have available at this timeOnce the estimate is received, his adjuster will call him with an update.Thank you,Nick [redacted]

Thank you for the opportunity to respond to this complaint.This claim was not being handled by the employee named in the complaintHe is our Special Investigations Unit (SIU) lead and trying to obtain information for the adjusting teamThe complainant did send in a CD which, allegedly, contained content showing the vehicle theftHe was unable to open the CD content and asked our IT Department to open itThey were unable to unlock it as wellOur SIU lead reached out to the complainant again to explain the situationPer the claim notes, she told SIU that she cannot get access to the Internet and works all the timeNor can she get online to obtain cell phone logsSIU 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 continueThe 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:Even though there was no narrative on the report I picked up and faxed a statement from the responding officer I also do not feel I should have to pay a detucable for an accident I was not at fault for I as well have the same insurance company Unique so this should not be something my policy should have to cover when its the same insurance company It would be a wash in the end However I do not have $extra laying around for a deductable Sincerely, [redacted] S [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] ***

Complaint: [redacted] I am rejecting this response because:This is not exactly how the conversation transpiredBut I am done playing this game Sincerely, [redacted]

Thank you for the opportunity to respond to this complaint.Our adjuster contacted Ms [redacted] after we received the revised estimate from our physical damage departmentThe estimate was revised per labor rates from Unique's preferred vendors where she could have taken her vehicle for repairsThe adjuster advised her of the deductible and how payment is distributedThe complainant then stated that she was told she would need to pay the deductible then not anything over that amountAt this point, she stated she will retain legal representation and ended the call with the adjuster.Thank you again, [redacted]

(The consumer indicated he/she DID NOT accept the response from the business.) The total loss paper work was supposed to be emailed to me by Unique insurance but as of today I have not recived that email of the total loss paper workThree months for this to be done and time is still adding up and the insurance company has not sent the papers they said were going to be emailedI spoke to the adjuster on 10-27-and she notified me that the paperwork would be emailed to me but I havent recived itAnd I called unique insurance company on 10-28-but there was no answer so I left a message and another one today 10-29-and again left another message with no replyI want this issue resolved my credit score is getting lower and my account is now in default because they refuse to follow through with there end of this issue

Thank you for the opportunity to reply to this complaint.Per the adjuster, the estimate has been approved and this insured's check should be on the way by Friday to themThe complainant was notified on 2/that the photos and estimate had arrived and our physical damage department were reviewing these items and once a decision had been made, we would notify them of the approval.Thank you again, [redacted]

Thank you for the opportunity to respond to this complaint.Unique adjusters have spoken to the complainant and it has been determined, as of 06/23/16, that the additional damage is non-loss related and therefore is a maintenance issue not caused by the accident. The photos show that the tires... are dry rotted and the tie rods are rusted; these are not accident related issues.At this time, the file is closed and these repairs will not be paid by Unique Insurance.Thank you, [redacted]

Thank you for the opportunity to respond to this complaint.Per the adjuster's notes, we are in the process of attempting to contact our insuredUnique has attempted to contact the insured and the driver, who we believe to be undisclosed thereby causing a coverage issueOnce we are in contact with either of these people, we can continue with the claim.Thank you, [redacted]