Associated Construction

Thank you for the opportunity to respond to this complaint. Unique apologizes to the complainant for not responding to her claim in a timely manner. After further review of this policy, and checking for other policy re-writes, we have found that there was no coverage for this driver on the date of...

loss. This claim will be denied and letters will be issued.Thank you again,[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]

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.
[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.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]

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.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]

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.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]

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]

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]

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]

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.

Complaint: [redacted]
I am rejecting this response because: I did see some action - I got a call from a claims adjuster asking for more information, I submitted the quote and pictures, and once again was notified that it was received. I have tried multiple times to reach out the claims adjuster, Laura, but until today she never answered the phone and her message box was full. I was finally able to leave a voice message today (2/10/16) at 11:50 am. The issue has still not be resolved.
Sincerely,
[redacted]

Thank you for the opportunity to reply to this complaint.Per the claim notes, the complainant was told that she could submit photos and Unique adjusters would review the photos. Our adjusters explained to the insured that the photos show her vehicle was repaired but she does not agree with their...

evaluation. The adjuster then advised the insured to take her vehicle to a shop of her choice for her own evaluation and our physical damage department will review the evaluation.At this time, we are waiting on this independent evaluation.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]

Thank you for the opportunity to respond to this complaint. The 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 06/07/2016 - [redacted] report received 06/07/2016- insured contacted and advised of TL procedures. file pending management approval 06/09/2016- file approved and insured contact with TL settlement. TL 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.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...

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