Associated Construction

Complaint: ***
I am rejecting this response because:
Yes the repair check has been received after ALL OF MY WORK!! No one called me after I was told on several occasions that they wouldI finally had to ask were they short staffed and the response was yesStill no reason why I should have to make sure they do their jobAlso secondly do NOT lie on me by saying I said certain things to adjustersI cursed out one of themyes I sure didNot but one and maybe it wasn't deserving but dealing with a "company" where they seem to just sit and play all day is frustratingAlso yes I did want money because I had my month old daughter in the car and I also have back issues so yes I wanted money for stress/anxietyI expressed to the adjusters on EVERY call that I was soreFinally when I got someone who would listen I explained to her the accident had aggravated a preexisting conditionSo yes you are absolutely right about what I wanted but I made that very clearAlso yes insurance companies to pay out for pain and suffering..pain and suffering ISN'T ALWAYS INJURY RELATED! I wanted to be compensated for suffering both myself and my daughterAs far as fraud, no fraudulent activities going onYour insured hit the person in back of me HARD and then they hit meDoesn't get much simpler than that! In addition please be prepared for supplemental damage because my estimate was done in the rain and I have other issues going on with my car since this accidentI'm not trying to "get over" on this company so please don't take it thereI just want what belongs to me and that would be my vehicle restored to it's previous conditionMy car was NEW, bought it in February THIS YEARYou would be mad too if you received the type of service that I have, doesn't matter the companyIt just happens to be YOUR company this time! I see from your response we will be in touch, I welcome it!
Sincerely,
*** ***

After reviewing the file with the adjusting team and our physical damage manager, when looking at the photos, the point of collision reflects that our insured was almost completely through his turn when the accident occurredTherefore, our offer still stands where we accept 51% of liability.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.Our adjusting team did not receive an invoice from this complainant, we did receive a rental agreementOur team supervisor spoke with him yesterday, and asked him to email the billThe supervisor has informed me that the invoice was
received and the team is reviewing itSomeone will be in contact with the complainant later today.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.Unique Insurance offers a rental reimbursement program to insureds and claimants alikeThere is no direct reservations/payments with rental car companies available, as per our policyThe complainant can rent a vehicle as outlined for her
by the claims associateOnce her rental receipt is received, Unique will issue a check for reimbursement.Thank you again,*** ***

Since this complaint was filed, I see from the claim notes, that the complainant's supplement payment has been addressed and Unique is obviously going to pay the supplementAs to her question about the rental car, the complainant does not have rental reimbursement on her policy therefore there is
no coverage for this carThe complainant has been in contact with Unique over the past few weeks about this claim, per the notes.Thank you,*** ***

Thank you for the opportunity to respond to this complaintHowever, this complainant has retained an attorney for their damages and we, legally, cannot comment on the claim in any way.Best,Nick ***

Thank you for the opportunity to respond to this complaint.We apologize to the complainant for the lack of communicationOur adjuster called her today, 02/16/2016, provided the complainant her email address to forward estimate and photos, advised the complainant on next steps that when she received
the photos and estimate she can forward them to the physical damage department for reviewThe adjuster apologized for the delay and the complainant was very understanding.Thank you,Nick ***

Complaint: ***
I am rejecting this response because: I went to the *** *** *** myself and purchase, then send Unique a copy of the accident report several weeks ago when they stated to me that it was my responsible to do so, even thought I know this is their responsible (i did this to expedite the situation)And in regards to waiting for their insure to respond, it's been two (2) months, how long should I have to wait for their insurer to respondIt seems very obvious that the insurer can't or won't respondAlso I had another similar incident with an Unique insurer years ago and according to Unique they are still waiting for a response from their insurerI have no conference in this company doing the right thing by me, because of past experienceI feel like this is Unique's SOP to not honor the policies and or pay out for damages
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I have in my possession from insure one the agency that put me with unique insurance company completely disclosing my driving record on the form that was signed by myself and the other party and is dated 2/12/the day my policy was created I also faxed a copy of this sign document to the *** *** ** *** and am taking a copy to my lawyer so if not resolved I will be having my attorney takie this to the next step
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.I see from the claim notes, and the complainant's own admission, that we have reached out to himOur appraiser did go out to review the vehicle and took photosAn estimate was written on 06/and is approved on 06/14; we are trying to
contact the complainant to review the estimate and pay for his repairsAlthough, he says he wants a payout on the vehicleWe want to discuss the situation with him.I will have our adjuster reach out to him again so that we can bring this matter to an endIf there has been a lack of communication between Unique and the complainant, I apologize for the lack of service on our part.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.In December of 2016, Unique completed its investigation and contacted the complainant's lien holder to discuss settlementWe advised them of our payout on 12/19/and requested some documentationThe forms were sent out on this date to
the lien holder and the complainantThe lien holder provided the needed documents but we are still waiting on the completed forms from the complainantOn 12/27/2016, our claims team contacted and left a voicemail message for the complainant advising that we are in need of her signed power of attorney and proof of loss so we can move forward with payment to her lien holder.As of today, we still have not received any completed forms from the complainantOnce received, we can resolve the claim in a timely manner.Thank you,*** ***

Initial Business Response /* (1000, 5, 2015/09/21) */
Thank you for the opportunity to respond to this complaint
Ms***'s claim was filed opened on 09/08, less than two weeks agoIn this time, we have been conducting our investigationBoth vehicles involved in the accident are drivable,
according to the report, so we are unsure as to Ms***'s claim that she is without a car
We asked the complainant to take the vehicle to the body shop for photos and estimate but she insists it is not safe to drive, even though the appraiser says it is drivable
Our rental reimbursement policy does not warrant Unique to placce the claimant in a rental, since it is drivable and because we only reimburse for the rental, we do not pay in advance
Unique is not responsible to pay for anything outside of what the policy will cover and we are not sure where Ms*** developed the additional $per week without additional receipts to consider in the claim
We will have the adjuster contact Ms*** today to discuss the claim and what next steps must be placed into motion to have her vehicle repaired appropriately
Thank you,
Nick ***

*** *** vehicle was parked illiegal and towed by one of our towing company clientsShe claimed damage to her tie rods but we are unable to ascertain if this damage occurred at this timeThe tow truck driver said there was no issue in the towingWhen we notified the complainant, on 11/02,
that we were denying the claim, she became upset and advised she would be filing a class action lawsuit on behalf of our policyholders and on behalf of claimants like her.We sent a denial letter and closed the claim on 11/03.Thank you,*** ***

Complaint: ***
I am rejecting this response because:Another invalid response. My car was already repaired and by the time I received any type of notice from your company so there was never a mention of taking it to one of your recommend body shop to be repaired or viewed. The claim is valid and the repair price was paid. Unique Insurance is responsible to reimburse me for my damages. Had I been contacted sooner, I would have gladly taken my car to one of your recommended shops for repairs. My insurance company was notified of the incident the same day it occurred, it was months later when I received a letter from your company
Sincerely,
Tina ***

This complainant has filed with the *** ** ***Please close this complaint as it is *** *** ***Thank you,*** ***

Thank you for the opportunity to reply to this complaint.At this time, I see from the claim notes that payment has been issued for the primary estimate and the supplementUnique apologizes for the delay in processing and I will further investigate as to why this occurredIt seems that everything
is in motion for a complete resolutionWe are waiting on a denial letter from the claimant's carrier, which the complainant's mother said she will provideOnce received, we can review for the uninsured motorist portion of the claim.Thank you,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Thank you for the quick responsePlease be advised that I was informed by the agency that they submitted my request to cancel in AprilUpon contacting the agency multiple times, they advised me they sent the cancellation and would follow upI received the cancellation for non-payment in May and was VERY confused since I asked to be cancelled in AprilI had to call back to see what was going on and where the refund was and once again they advised me they submitted the proper documentation to UniqueAgain, thank you
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2014/09/15) */
This is an response to Ms*** caseInsured filed calaim for damages to her vehicle on July 28,accident happen July 25,2014, I recevied the file on July 29,reviewed the file to make there was coverage issue.Mailed insdured form to
be completed insured never mailed back required form.On August 7,recevied estimates for Ms.*** damages(1) was under her dedutiable the other was unrelated prior damage..Called insured to give notice of esimates Ms.*** became irate from my respnse she informed me to add the unrelated prior damge on the other estimate, Informed she will have to report a new loss.Ms.*** stated she will not report a new loss and I better add the other damages due to she dont know when the first damage happen.Tried several times during the conversation to explain to my insured that she will have to file a new loss, Then insured statred to use foul word asked Ms.*** to refraim from using thoes words then she ended the callAnd I recevied the complaint.I have included the estimate and the unrelated prior damage estimate.Thank You *** Claims Adjuster
Initial Consumer Rebuttal /* (3000, 9, 2014/09/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The insurance is saying that the damage is unrelated, but that does not mean that they can deny a claim if my car is insured through Unique Insurance regardless of how "unrelated" they are saying the claim isThe fact is I pay for my car to be insured and Unique is not holding their end of the contract
Final Business Response /* (4000, 11, 2014/09/18) */
As was mentioned in our previous response, we offered to fix the unrelated damage but the insured must open a new claim and provide specifics as to when this damage occurred and howMs*** is clearly aware of these procedures but continues to respond as if she has not been provided notificationThe unrelated damage cannot be lumped together to the current open claim as she would likeWe must follow company policies and proceduresThank you

Initial Business Response /* (1000, 8, 2015/08/04) */
Case ID: XXXXXXXX
Contact Name: *** ***
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@producersnational.com
Since the date the consumer submitted additional information on July 27, 2015, the following has occurredOn July 29,
2015, Unique mailed to Ms*** a letter advising her that her vehicle has been declared a total loss and requesting that she submit a copy of her bill of sale, payment history and pay off balance on the vehicle, along with proof of prior insurance and an original title or finance company informationOn that same date, Unique also sent to Ms*** a letter explaining the procedure of total loss settlements and asking her to fill out and return an information form concerning her vehicle to help Unique process her claimAs soon as Unique receives the information it has requested from Ms***, it will be able to continue to process her claimIf she has further questions, she *** contact Unique Total Loss Adjuster, Justine Castro, at XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 15, 2015/08/27) */
CLAIM XXXXXXXXI continue to make phone calls to Unique Insurance and they have not responded in weeks so this case is still unresolved from 5/14/I do not have a vehicle which is preventing me from active work and can only work when I can find transportationUnique sent a letter asking for information which was sent back to them on 8/and included the bill of sale, proof of insurance with Unique and the original titleThey now want all payment history records and a copy of the titleThe payment history shouldn't be necessary if I have a lien free title to the automobileI've left messages with the claim adjuster, Total Loss Adjuster and Claims Manager to inquire on their last request and have not received a call back as of today
Final Business Response /* (4000, 17, 2015/09/02) */
Ms***'s vehicle is a total loss
The adjuster spoke with her and requested the title so we can move forward with her claimMsJones says we asked for a payoff balance, which we did not and there seems to be a miscommunication there
Ms*** did request the settlement documents which were sent via *** The adjuster was going to email them as well for faster turnaround on Ms*** part
Once received, we will issue the check and close the claim
Thank you,
*** ***

Thank you for the opportunity to respond to this complaint.This claim is in process of investigationWhile a police report is under order we also have a coverage issue which is in process of being resolvedThe IL Deptof Insurance provides a guideline of days to find claim resolution and
Unique is working well within this guideline to resolve this claimThe claimant driver has been notified of these issuesOnce the coverage issue is resolved and the police report is received, claim resolution should follow quickly.Thank you,Nick ***