Associated Construction

Thank you for the opportunity to respond to this complaint.Per the adjuster, this file is closed due to lack of activityWe received all the necessary paperwork from our insured and serviced the claim for themHowever, we have not received anything from the complainant outside of an accident
reportThere is no police report and no photos or estimate provided eitherIf the complainant would like to provide photos and estimate to *** we can move forward with the claim but as of now, the claim is closed.*** ***

Complaint: ***
I am rejecting this response because: I am not asking for much other than to get me car fixed and provide me with a rental car for replacement. I have contacted several rental car agencies and because I am only years of age I must pay an additional feel for being under as well as a security deposit via credit card. I am a college student and do not have a credit card or monies to pay the rental and additional security deposit. My mother mentioned this when she spoke the reps. Most of companies I spoke with, *** Rental Car, *** and *** all said they do direct billing for insurance claims. They also said they will give an insurance rate instead of the regular rates associated with renting. Surely Unique Insurance wants to do right thing here. The quote I provided before concerning the rental was from one of the insurance company in which they quoted the average insurance rate. I don't believe I am asking for much. I have already done all the work for the company. I got them details from the police report, took off work to get a quote for the repair, and now they want me to pay out pocket for the rental. My request is not unreasonable; just set up direct bill for a rental car and send the body shop payment for the repair.
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.After reviewing the file, and speaking directly to the complainant, I discussed the claim with the SrVP of the Unique Claims DepartmentHe said that he did, in fact, say what the complainant reports here(for which I apologized to her) and
I explained to him that this was inappropriate behaviorThe complainant's vehicle is quite rusted due to the age of the vehicle and usage over the yearsThe repairs done to the muffler and catalytic converter are maintenance; she was advised of this fact and she said she understoodShe was also advised that she should have contacted our office PRIOR to taking the vehicle anywhere else to have it reinspected for accident related damageOur claims team spoke with the shop where the repairs were done and they told us that none of the other damage was accident relatedThat said, Unique stands at the $mark for this claim and will offer no other amounts.Thank you again,*** ***

Unique has received the supplemental estimate from the appraiser and it is under review for approvalOnce the approval occurs, we will be in contact with the complainantUnique is well within the guideline set by the IL Department of Insurance of days to work toward claim resolution for third party claimantsWe appreciate the patience of the complainant.Thank you again,*** ***

Complaint: ***
I am rejecting this response because:UNIQUE INSURANCE IS ONLY PAYING FOR THE $PAYMENT I NEED THE INSUFFICIENT FUNDS PAID ALSO
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.Per the file notes from the adjuster and the field appraiser... On 03/01/2016, 04:40:PM: The Unique adjuster called the claimant(complainant) and left a message for her to return the callOn 03/01/2016, 04:50:PM: The complainant
called back and told the adjuster she wanted to get photos and estimate set upShe said the exhaust is barely holding on and getting louderHe explained that the accident report form needs to be completed and returned to Uniquethen he left a message for her listing shops in her area.On 03/03/2016, 10:03:AM: The field physical damage appraiser notes that *** *** Jeep Liberty was a no show for her appointment at *** *** *** the appraiser then canceled the assignment. This is the last info we have on this claim as we have not heard from the complainant since.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Unique apologizes to the insured about the delay of his claim but I see from the notes that we did attempt to reach him but his voicemail was fullOur status adjuster could not even leave a messageI have asked another adjuster to contact
the complainant today and update him on what he will need to provide to further pursue 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 for the time being.
Sincerely,
*** ***

This complainant has filed a claim with the *** ** *** Please close this complaint as it currently ** *** *** *** ** *** ***

Complaint:
I am rejecting this response because:I was told by one of Unique's representatives when I first called, that I didn't need a police report because I had provided all information they would have taken from the reportIn my email to *** ***, I provided pictures of the rear of their insured's car to indicate there was no damage to her car to prove no one hit her carI asked that this information be reviewed and the disposition be reconsideredI do not believe liability is questionableI never received a response from him to indicate my request was even considered.No one from Unique has ever contacted me, except *** (she left a message 11/11/- when I called her back on 11/14/2016, she said *** asked her to call me, but she didn't know why!)I have had pleasant conversations with each representative I spoke with (***, ***, ***, ***, ***)When I spoke with *** on the 15th, I asked to speak with someone else - *** *** or a managerNo one was availableI asked if he would respond to my email - she didn't knowI did say that I should not be penalized with 50% reimbursementThis does not constitute aggressive behaviorAnd even if it did, it has nothing to do with my dispute and should have no effect on a fair decision
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this is partially satisfying, although I should not have had to contact the Revdex.com just to get a check or my vehicle
But thank you for finally working with me on my claim, I hope they continue to stay in touch until everything is taken care of
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.While we certainly understand the complainant's frustration and rental situation, Unique does not provide any sort of rental vehicle for any claim; whether it is a third party claimant, or an insuredThis is a company policyIt has been
explained to him several times now by various members of our staff and he continues to want a vehicle paid by the companyIf the complainant can find a way to rent a vehicle, we would gladly reimburse him once a receipt is submitted but Unique does not prepay for a rental at any timeThe vehicle rental would also have to follow the guidelines discussed with him at the time of his callsAlso, I see on the date he says he was hung up on, he asked to be transferred to a supervisor, which he wasThis may have been when he thought the associate hung up on him and if this is the case, I apologize on behalf of the company.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.On behalf of Unique Insurance, allow me to apologize for the lack of communication or action on this claimI have passed the information to the team supervisor who will have one of his team members review the claim and work toward a timely
resolution.Thank you again,Nick ***

Complaint: ***
I am rejecting this response because:Nothing was done with this claim for the first weeksThey then FINALLY sent me the claim form to fill outWhich I faxed over the SAME DAY. It wasn't for another weeks later when I received the WRONG quote on my lossIt has been week and still NO APPRAISER to look at my vehicleFinally I received the corrected total loss contractWhich I certified mailed it back SAME DAYThey received days later. In all these rude conversations with the adjuster, NOT ONCE was it explained to me that it was going to take up to days to receive my moneyNOT ONCE! They are sneaky, lazy, rude, thieves and unprofessionalI will not drop this complaint til I receive my money$4003, $120, $and $I also was FORCED to get a vehicle this last week on the promise to the dealership that I would have the money by the 29th of Jan, weeks after the accidentI have a yr old that needs to go to school, sports and doctor aptI have been very stressed and emotional distress this whole time that they have been toying with my lifeIf my car gets taken or my credit gets damaged, Unique will be taken to courtThere are HUNDREDS that will be more then happy to testify
Sincerely,
*** ***

Unfortunately, the adjuster was out ill yesterday and is in the process of catching up todayI have asked her to call the complainant as soon as possible.Thank you,*** ***

This complainant did have coverage at the timeAfter speaking with the VP of Underwriting, I discovered we received an email from her agent saying the payment had been applied to a different contract so we amended the complainant's policy to rectify the situationIf a loss had occurred, the situation would have been clarified to ensure coverage.Thank you again,Nick ***

Thank you for the opportunity to respond to this complaint.Many times, policy holders may not read their coverage forms or their policyWhen an agent offers our rental program, they should specify that this is a rental reimbursement programUnique does not contract rental vehicles for our
insureds and having full coverage does not affect the rental program as it is covered by an additional program altogether.This was explained to the complainant when the loss was reported.At this time, I see from the notes that the claims supervisor reviewed the claim and provided authority to settle the claimThe team lead should be in contact with the complainant very soon. Thank you,*** ***

Initial Business Response /* (1000, 5, 2015/04/08) */
Ms*** received a claim offer on 04/02/2015, the day after this complaint was filedShe has accepted the offer and checks have been sent to her and the the shop for repairs
We have closed this claim
Thank you,
*** ***

Complaint: ***
I am rejecting this response because:I have called this adjuster almost every single day with no response I called 2/4/and gave my current address information to this companyOn 2/6/the adjuster called me and asked if I had received my paperwork and I told her "NO" and again gave her my address verbally over the phoneShe even repeated the address back to me to confirmNow after I have called my agent and asked them to intervene, I received a call of Friday morning from this same adjuster who left a voice message telling me she needs the paperworkI have never received the paperwork because she mailed it to the wrong address againShe left me a message with the address she sent it toI called her over times on Friday to give her the correct address AGAIN and of course, she never answered my calls and has never returned my callI left her numerous messages and even left my correct address on her voicemail againSo please make sure to get all of your facts straightI have copies of my phone bill showing exactly how many times I have called this company with no resolutionPlease have a manager or someone from the Corporate office call me back to discuss this issueI will not hold my breath thoughI also think you should review Laura's incoming call list so you can see she does not do her job by responding back
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.The complainant needs to contact us directly so we can investigate their complaint furtherThey do not provide an insured or claimant name nor a claim number(s)They can complete the online form at our Contact Us page listing a Claim Issue
as the reason for their e-mailOr they can e-mail me directly and I make certain the claim is followed up by the adjuster and/or their supervisorMy email is ***Thank you again,*** ***