Associated Construction

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]

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 contacting Unique Insurance. I can assure the Revdex.com that this is the first time I have received any information on a response needed for this complaint. I 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 repairs. The adjuster's actions will be reviewed by her senior management staff.Thank you,[redacted]

This consumer has filed a complaint with the GA Department of Insurance and I respectfully request the Revdex.com close this complaint as it is now beyond the purview of the Revdex.com. I can assure you that this complaint was answered today.Thank you,[redacted]

Please email a record of the overdrafts to n[redacted]@producersnational.com and I will get the fees paid.I apologize I thought this was covered originally.Thank you,[redacted]

Thank you for the opportunity to reply to this complaint.Per the adjusting team, this insured had two claims to which there was some confusion in the explanation of her rental reimbursement. Our team did extend her rental in a combination of both claims but maxed it out on one then paid a portion on...

the other claim. The insured was under the impression she would receive the same amount for both claims, which is not the case. She, in fact, received three checks from Unique for her rental reimbursement, two for one claim and one for the other claim. On 05/04/17, a check was issued for the supplemental estimate. This check could not have been issued if it were not for an estimate by our appraisers. Rest assured, a supplemental estimate was issued and our physical damage department will discuss the insured's statement here with the body shop owners to see what was said.At this time, Unique Insurance considers this claim closed.Thank you,Nick [redacted]

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 them. The complainant was notified on 2/29 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.Per the claim notes, I see that the complainant's issue is in motion to be resolved in a timely manner. Per the [redacted] guidelines, Unique has ** days to resolve the claim and we are within this guideline. I see that we...

have been in contact with the complainant 5/26, 6/6, 6/8(could not leave a voicemail message), 06/08 (later in the day), and 06/09. There have been times when the complainant has changed his mind about repair shops and we have also had to wait for him to respond to us at various times. But it all looks like everything is moving in the right direction and we have been in contact with him as appropriate.We hope to have this claim at full resolution in a timely manner.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Per the notes from our adjuster, she spoke  with the complainant as recent as 01/21/16 so I am not sure where the complainant says we have not been in contact with her. Ms. [redacted] said she wants to pursue repairs. We directed her...

where to take her car. We sent an assignment to the repair shop and explained to her about the payment process, including the deductible portion. She said she understood the explanation. At this time, we believe the complainant has taken her car for repairs and the claim is in process to resolution.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.I believe there is some confusion here as to the protocols of insurance claims. Unless the insured is part of some special program offered by an insurance company, every insurance company will require a deductible be paid on a claim. The...

insurance company usually pays out the rest of the claim. Once the vehicle is in for repairs, if supplemental damage is found, the shop would send a revised estimate to the company for review.At this time, we have sent a check for the repairs to the complainant's vehicle minus her deductible. However, she remains responsible for the $500 left over cost to the shop for repairs. We understand her frustration with the process but this is all very industry standard.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.
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.I see from the adjuster's notes that she spoke with the complainant on March [redacted] and faxed a denial letter to his company on that same date. If they did not receive it, he should e-mail me directly at [redacted] and I...

will follow up.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because:
  This is the second time I have asked to keep my complaint open. I haven’t been able to respond and say that the situation is resolved because still nothing has happened from unique insurance. I don’t know how to complain about the way they have treated me enough. I want their rating to go down significantly with the Revdex.com so people stop buying insurance from this awful company. Please help me by keeping this open, I can’t afford a lawyer, and I really don’t want to sue the driver because her insurance company sucks… I don’t want to do that at all, but it seems like the only option I have unless people like you can keep pushing and helping me maybe get some resolution out of this situation. Thank you so much for your work so far… I promise you that if there is ever a resolution you will be the first to know.   Sincerely,
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Per the claim notes, I see that our claims team was in touch with the complainant throughout the process. At one point, when payment was issued for the repairs, the complainant decided to have repairs done elsewhere. We then asked for the...

check to be returned. It looks like this is what took considerable time and slowed down the process. We then issued another check to the shop of his choice. In the end, a new check was issued and the claim is now closed on our books.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.The Unique adjuster that was handling this claim, it is closed now, spoke with the insured yesterday, 03/10/2016. He stated he received a notice from [redacted] which said there was $6,000 worth of damage to their truck. The insured said there...

was not as much damage done and he does not want his insurance company paying for something that was not viable. There is damage but he doesn't feel it is $6,000 worth of damage.The adjuster then spoke to the [redacted] Group. The adjuster explained that she would be in touch after the estimate was reviewed by our physical damage team and she would reach out to them then. The [redacted] rep on the phone said she would be out of the office until Wednesday but that the adjuster can speak to anyone on the team and she would circle back when she returns next week.Thank you,[redacted]

Currently, the special investigation has been concluded. But our stand still remains that one cannot expect payment if no receipts have been submitted from a licensed medical professional. While the complainant may feel she has not received fair treatment, protocols and procedures are put in place for a reason and we have must follow them.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.
Sincerely,
[redacted]

After speaking with the adjuster, we verified the address listed on the claim to the address listed on this complaint so our facts are in proper order. The paperwork was sent to the correct address and she should have received it by now. If she has, we ask that she verify receipt here.The adjuster will send the documents again today and contact the complainant again today to verify the information.Thank you,[redacted]

Unique Insurance took long periods of time to come out and view my vehicle each time. Several times it took them as long as a week, thus prolonging the time I had to keep the rental car. For this reason they should be responsible for half. Instead of my vehicle being ready in 3 weeks (per body shop [redacted], It took 6 weeks. Most of this 6 week period was spent waiting for a response from Unique. At one point I had to take off work 4/15/16, to get answers, costing me more money. Per [redacted] (Unique adjuster) "unfortunately for you the company was going through internal structural changes, it was a bad time that caused delays." Why should the companies internal issues lead to poor customer service? and the consumer to flip the bill? I would think that the company would try to show some good will and help pay for the rental and try to make up for poor customer service practices.Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]