Associated Construction

Thank you for the opportuity to reply to this complaint.Our adjuster did speak with the complainant on 04/25 and issued information about the estimate. HE also explained to her why she needed to pay more money than her deductible. One of her tires needed to be replaced due to betterment and we...

covered a portion of the tire and she is responsible for the remainder. The body shop could not let her vehicle leave without the new tire since it would have been a danger on the road. Our adjuster is contacting the complainant today to see if she is willing to move forward with the vehicle repairs.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.There has been a delay on this claim due to a coverage issue and Unique apologizes for the delay. After reviewing the policy, the claims adjuster was notified that there was no coverage on this policy for the date of loss. This claim will be...

denied and a letter sent to the complainant.Best,[redacted]

Complaint: [redacted]
I am rejecting this response because:This business has responded to my complaint saying it is a duplicate.  False, I have filed one complaint with the Revdex.com.  Amazing how this company denies my Revdex.com claim as if...

it is a duplicate.  Please explain how they have not responded to my auto claim filed 2/17/16 (claim #[redacted].  Adjuster Robin [redacted] has not responded.  I have also sent the police crash report verifying fault of vehicle insured by Unique Insurance.  The only thing unique is the pure abscence of customer service.
Sincerely,
[redacted]

After reviewing our notes, I see that our company has been in touch with the complainant several times. She says she last spoke with Unique on 10/8 but our notes reflect calls on 10/2, 10/6, 10/21, 10/22 & 11/10. While we agree this claim has taken longer than expected and we apologize for this...

circumstance; we are in the process of resolving the claim. According to our records, Ms. [redacted] is looking to cash out her policy so we will need the lienholder information. We have explained since there is a lienholder, we will need to issue a check under their information and she said she understood. This morning, our adjuster contacted Ms. [redacted] and again notifying her that we are in need of this information. She said she will contact us when she has the info available.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.While this claim continues to undergo investigation, the complainant has mentioned this issue to Unique. However, on more than one occasion, Unique claims representatives have explained to the complainant that due to the point of impact the...

oil leakage is non-accident related damage. The vehicle is 10 years old and wear and tear will take its toll on vehicles. The body shop said this is non-accident related, Unique's physical damage manager said it is non-accident related and the complainant then mentioned that her car jumped a median. A point which she did not mention early on in the investigation.At this time, our team supervisor handling the claim explained to the complainant that we will order a police report and once we review the report, we will make a decision on this issue. I had someone on my staff check the system but the police report is not yet available.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Since this complainant has retained legal representation, we cannot connect with them directly. Her attorney was sent a release on 09/15 by the adjuster and then again on 12/07. the adjuster did follow up this time to ensure the release was...

received.Unique is now waiting to receive the completed release form to move this claim forward.Thank you,[redacted]

The complainant did speak with one of our team leads on 06/24. She explained her policy to her once again and the rental reimbursement coverage in which she did not ask to have as part of her policy. She did ask about the tow, which Unique will cover one tow and we had paid out on a tow for the complainant previously. At this time, we have emailed the estimate to her shop and issued the tow payment.  Unique, as many other companies, work through a network of independent agents who sell various products to consumers. The complainant's rebuttal makes it seem that her complaint is not with Unique truly, but with her agent. As for her calls that she has full coverage, this means that she does not just have liability insurance but comp and collision as well. Many times, this is not explained very well to the consumers or they do not review their coverage with their agents at the time of purchase.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Due to the non-cooperation of the insured, Unique must deny this claim per our policy. Non-cooperation is a is a violation of our policy and denial letters have been sent in the mail.Thank you,[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 department. The estimate was revised per labor rates from Unique's preferred vendors where she could have taken her vehicle for repairs. The...

adjuster advised her of the deductible and how payment is distributed. The complainant then stated that she was told she would need to pay the deductible then not anything over that amount. At this point, she stated she will retain legal representation and ended the call with the adjuster.Thank you again,[redacted]

This complainant has retained an attorney and therefore we cannot discuss this claim directly with him or via this outlet. He would need to contact his attorney directly.Thank you,Nick [redacted]

Thank you for the opportunity to respond to this complaint.
[redacted] estimate was recently approved for payment by the department supervisor. Our adjuster contacted [redacted] and reviewed the estimate with him. She has sent him the physical damage release form and once we receive it back...

payment will be issued.
Thank you,
[redacted]

Thank you for the opportunity to respond to this complaint.Per the claims notes, the complainant was advised on several occasions that he had to move the vehicle from the tow yard as it was his responsibility to mitigate extensive storage charges. These charges are of his own doing and he could file...

a claim through his own carrier who would then subrogate for reimbursement. However, this gentleman was driving without insurance and what the claims supervisor told him was that he should get insurance and this is why. The complainant did not like the response provided to him by the team supervisor and became aggressive. The supervisor advised him that he was ending the call and did so. At this time, the complainant's vehicle is in the repair shop and a check was issued to pay for the repairs.Thank you again,[redacted]

Unfortunately, this does not seem like it will end with a satisfactory conclusion and is turning into a situation of "he said/she said"The complainant contacted me directly via phone Friday and told me that none of the notes in our claim were factual. The adjuster working on this claim is very competent at his job and would have no reason to doctor these notes in my view. While I apologized to the complainant about her situation and explained to her that I would get the adjuster to contact her, she continued to say that nobody would return her call and when I said that I would return her call, she said she didn't believe me. I even provided my direct line and she said, Why should I call you back, you should call me back. When I said I would call her back, she again said she didn't believe me.Shortly thereafter, the adjuster contacted her and explained everything to her. Today, an offer was made and we are awaiting her response.We apologize to the complainant and hope this claim is moving to resolution.

Thank you for the opportunity to respond to this complaint.The complainant did not file the police report until 2 days AFTER the loss occurred and therefore we cannot confirm that  the damage happened after the policy was reinstated. Therefore, Unique denied this claim.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.This complainant was offered 50% of the estimate since no police report was made on site and there were no witnesses; liability is questionable, especially since our insured says there was another vehicle on the scene that fled. We made an...

offer to the complainant for 50% of the estimate. She wanted to dispute the offer however, the supervisor had already reviewed the file and stood by the 50%. We have contacted the complainant since then and she has been aggressive with our claims associates on the phone. At this time, Unique's offer stands at 50%.Thank you again,[redacted]

While this accident was reported to Unique Insurance at 4:12 PM on 02/02/2016; the coverage was bound for this policy at 11:19 AM on this date. Per the [redacted] report, the accident occurred at 7:25 AM on 02/02/2016. Denial will stand as there was no coverage for this accident at this time.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.I see from the claim notes that the team supervisor reached out to him on 06/10/16 explaining that we have not yet heard from our insured about this matter. And to contact us so we can set up inspection arrangements.If the complainant has...

not been able to reach back to this supervisor, he can contact me directly at [redacted] and I can connect the two of them. We apologize for the lack of communication.Thank you,[redacted]

Initial Business Response /* (1000, 5, 2015/03/12) */
Contact Name and Title: [redacted]
Contact Phone: [redacted]
Contact Email: [redacted]@uniqueinsuranceco.com
Claim files [redacted] (Ms.[redacted]) and [redacted] were opened based on Ms. [redacted]'s report of the accident on 2/25/15. Unfortunately, the...

cross insured's policy (claim [redacted] expired 2/9/15 and the new policy was not effective until 2/26/15. Therefore, since this policy was not in effect at the time of loss, Ms. [redacted] had to rely on her own policy to respond [redacted]
During the time we were researching coverage under the cross insured's policy, Ms. [redacted]'s vehicle was scheduled for an inspection. On 3/5/15, approval was given to the repairing facility to begin. We were advised Ms. [redacted] did not take her vehicle into the repair facility until 3/10/15. The repair facility advised today, repairs are proceeding and they can update Ms. [redacted] on anticipated completion date at anytime she may call.
As respects Ms. [redacted]'s requested remedy, we will attempt to collect the amount Unique Ins. Co.has paid for repairs as well as her deductible from the at fault party. This was explained to Ms. [redacted] and highlighted that there is no guarantee of a successful collection.
Unfortunately Ms. [redacted] did not elect rental on her policy so we are unable to consider her request for reimbursement of rental expenses. The policy of insurance does not reimburse for loss wages as a result of a collision claim. Therefore, we are unable to consider this request.
Unique Insurance Co. understands accidents and the aftermath can be frustrating. We hope this explanation will assist in clarifying the status of this matter.
Initial Consumer Rebuttal /* (3000, 7, 2015/03/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Im sorry but I have car rental but it only covers reimbursement for up til ten days. I got my rental car on February 28,2015 and has to return it on March 13,2015. Mrs [redacted] didnt inform me on NOTHING SHE NEVER HAD AN ANSWER TO ANY QUESTION THAT I HAD TO ASK THE ONLY REASON WHY THE CHECK WAS CUT ON THE MARCH 5, 2015 WAS BECAUSE I LEFT A MESSAGE FOR MR [redacted] DUE TO MRS [redacted] TRANSFERRING ME TO HIS VOICEMAIL... WHEN THEY COULD OF JUST CUT THE CHECK ON FEBRUARY 26,2015 SEEING AS THOUGH I HAVE FULL COVERAGE I dont really care about a cross claim because they knew the other party had NO INSURANCE AND I DID SO THEY SHOULD OF JUST TAKEN CARE OF ME SEEING AS THOUGH MY POLICY WASNT CANCELLED. I WASNT INFORMED ABOUT ME BEING REIMBURSED FOR MY DEDUCTIBLE OR ANYTHING CAUSE MRS [redacted] NEVER HAD AN ASWER FOR ME. NOW THE REASON MY CAR WAS TAKEN INTO THE SHOP ON MARCH 10,2015 WAS DUE TO THAT CAR COLLISION PLACE THAT THEY HAD ME TAKE IT TOO. THE OWNER INFORMED ME TO BRING MY CAR IN ON TUESDAY THAT WASNT MY DECISION THAT WAS [redacted] NOT I MY CAR SHOULD OF BEEN IN THE SHOP LONG BEFORE THE 5TH OR 10TH OF MARCH SO AGAIN I FEEL AS THOUGH I NEED TO BE COMPENSATED NOW FOR MY RENTAL THAT I HAVE TO GET CAUSE I TALKED TO THE GENTLEMEN AT THE COLLISION PLACE AND HE INFORMED ME THAT MY CAR WILL BE READY ONE DAY NEXT WEEK SO UNIQUE NEEDS TO GET ME A RENTAL CAR FOR ONE WEEK MARCH 16 -20, 2015 SO THAT I CAN GET BACK AND FORTH TO WORK. BECAUSE I HAVE PAID FOR MORE THAN ENOUGH OUT OF MY OWN POCKET...
Final Consumer Response /* (3000, 10, 2015/03/16) */
I received a letter on Saturday stating that my policy at the time didnt have rental reimbursement so again all I'm asking for is all of my money I had to spend out of pocket for this situation that wasn't my fault...I have to now pay someone to take me to work cause I spent 500. on a rental for two weeks while my car was sitting at my house.I'm VERY DISSATISFIED WITH EVERYTHING THAT HAS BEEN GOING ON AND I WILL NEVER REFER ANYONE TO THIS INSURANCE COMPANY AGAIN!!!
Final Business Response /* (4000, 12, 2015/03/16) */
Unique Ins. Co reiterates it's initial response, Ms. [redacted] did not purchase rental coverage under her policy. We cannot honor her request for payment of her rental expenses.

Thank you for the opportunity to respond to this complaint.At this time, the Unique insured is non-compliant with multiple requests, therefore the actions are considered, per our policy, a breach of contract. The complainant received the denial letter due to non-cooperation. The police report...

mentioned in her complaint advised no narrative on scene by police officer. We advised the complainant she could go through her company but she refused. It was then, 11/14/17, that she was notified Unique would deny the claim and she would receive this letter in the mail.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Our adjuster called the insured and explained explained that we have an estimate and reviewed repair costs. Our adjuster has already faxed approval to the body shop and is in the process of issuing a check for the repairs.Thank you,Nick...

[redacted]