Associated Construction

Complaint:
I am rejecting this response because:I have taken the time to pick up a copy of the police reportIt was available days after the accident on December 15, So I don't understand why you guys are not doing your jobI am coming out of pocket too much and it's a strain on my life because your policy holder won't contact you or you are not doing your job in contacting the policy holderI understand the time frame in the decision of completing a claimI know for a fact this is a sub insurance companyYou guys will act like you're doing your job but then will disappearSo I took the initiative and got a lawyerSee you soon.
Sincerely,
Virginia ***

Thank you for the opportunity to respond to this complaint.At this time, checks have been issued for payment to all parties, including the complainant's rental reimbursement, which was never at stakeOnce a receipt was received, a payment is issuedThis claim is now closed with our company.Thank
you,*** ***

Initial Business Response /* (1000, 5, 2015/10/07) */
Mark *** emailed us through our Contact Us page this morning at 5:When I arrived at work, I quickly contact the adjuster and asked her to reach out to Mr*** ASAP knowing his situation
They have since discussed the claim, her notes
are below:
***
--Reached Mr.*** and he provided email to send our approved estimate & release
--Mr.*** stated will send in photos of his injured arm Email:***
Once we receive these items, we can proceed with the claimHe states he didn't receive the email sent by our adjuster previously but we are unsure if he checked his SPAM/Bulk Mail folder where these items sometimes end up
We hope this will satisfy Mr*** as we move forward with his claim
Thank you,
Nick ***
Initial Consumer Rebuttal /* (3000, 7, 2015/10/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted Unique Insurance well before October and Ms*** was provided with my email contact well before October In addition I left it on her voice message on at least two other occasions before OctIt wasn't until my Revdex.com complaint that this Mr*** most likely asked her to call meI don't consider this reaching out to me
Ms*** never called to confirm she had the correct email addressMs*** did call me later that day and said she would email said documents to me (she was suppose to do that two weeks earlier)
I received the documents from Ms***I reviewed the "Estimate of Record" as well as the release she said I would have to sign before my claim would be paidAs is my right, I asked an attorney friend to review the documentsHe was not retained for any professional services at allHe did this at no cost to meI also asked a shop that I frequent to look over my vehicleThe shop made a few recommendations and also raised concern about the low estimate for repairsPlease note that Ms*** also assured me that the estimate would cover the cost as long as I took it the body shop she worked withIsn't that coercion? Nonetheless, I responded via email to Ms*** (on October 15) with the information I gathered and asked her if Unique would adjust the Estimate of RecordThis was due to the headlamp assembly damage that was NOT included on her estimate as well as the front end alignment which is strongly recommended buy my mechanicToday at 11:46AM, I received the following reply from Ms***;
"Good Afternoon
Mr.*** you have notated you have an attorney will speak with him or her about the claim for now on
Thank You"
Although her message is not very clear, grammar wise, she appears to assume that I have retained an attorneyShe also appears to state that she will only speak to him or her "for now on"Does Unique Insurance have the statutory authority to bar me from consulting my attorney? I am the claimant, not my attorneyThis is simply another tactic by Ms***, and Unique, to ignore or delay my claim
Regarding my injured armI am an amputee who wears a prosthetic limbThis prosthetic limb broke at the elbow hinge due to hitting the door or the dashI do not recall the specifics of the accident, just as was stated in the ISP accident reportMy front tooth was also chipped as a result of hitting the steering wheel or the possibly the dash, as I said I don't recall
I have not submitted a claim for these as I have not made an appointment with my dentist or my prosthetist as these will likely be out-of-pocket expensesConsidering Unique Insurance's past history of paying claims, I am reluctant to pay for these necessary appointments for fear of not being reimbursedThe broken prosthesis makes many everyday chores, as simple as tying shoes, rather difficultAgain, at this point, Unique Insurance must be held to honor its own statutory obligation as an insurer in the State of Illinois and settle my vehicle claimThe accident occurred on September 3, and today is October 16, and Unique Insurance has not made an honest or ethical effort to settle this claim
MarkJ***
Final Business Response /* (4000, 9, 2015/10/28) */
Our adjuster and SrVP of claims have both reached out to Mr*** today in an attempt to allow for his cooperation in this claim
The adjuster said he is refusing to sign a release form, after a discussion with his friend who happens to be an attorneyI reviewed his e-mail to the adjuster and discovered that she misconstrued this portion of his e-mailUnique in no way meant to infer that he couldn't consult counsel; she had taken it to me he had retained counselOnce counsel is retained, we cannot legally speak with the person who retained the attorney; we would need to go through their legal representative
Our Senior Vice President sent Mr*** the following e-mail:
Mr***,
I am extremely sorry for the inconvenience the accident with our insured has caused youUnfortunately we can't settle your property damage claim without getting a signed property damage release onlyThis release only releases our insured and the company from any other further property damage claim related to the accident you might haveIt is not intended nor will it release any injury claim or cause of action you may have because of the accident other than for property damage
Your injury claim and medical bills will be treated separatelyIn order for us to come up with an offer to settle the claim for the damage to your prosthetic arm and your chipped tooth we will need the medical bills and doctors report to properly evaluate this portion of your claimYou will also have to either produce a paid bill for the replacement of the prosthetic arm or a repair billOnce we have this documentation we will be in a better position to offer you a fair and equitable settlement
It is very important to note that in Illinois you have two years (2) from the date of the loss to file a cause of action with the courts for your injury claim and five years (5) to file a cause of action for your property damage claim
--
Sincerely,
David ***
Senior VP Claims
Unique hopes Mr*** will send us the appropriate information so we may settle his claim and resolve his issue as quickly as possible
Thank you,
Nick ***

Thank you for the opportunity to respond to this complaint.Unfortunately, *** *** does not have rental reimbursement coverage on her policyOur adjuster believes she explained this to the complainant early on in the process but if she did not, we apologizeAt this time, Unique is under no
obligation to reimburse the complainant for her rental vehicle.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
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaint.Yes, the check was issued on 2/1/However, it may not have been signed until Tuesday, therefore not mailed until Tuesday or WednesdayThe USPS no longer guarantees delivery of mail in 2-business days as they used to but the check
should be to the complainant by Monday or Tuesday of next week, I would thinkOnce the item is mailed Unique has no control over when it is deliveredIf the check does not arrive within business days, the complainant can contact Unique and we will stop payment and re-issue a new check.Thank you,Nick ***

Thank you for the opportunity to respond to this complaint.The complainant did indeed have to undergo a lengthy special investigation for this claimIt is a protocol in a theft claim for almost any insurance company, especially when the circumstances as they are for this claim; the review of the
findings by our special investigative unit combined with our team's assessment led to a denial of this claimThank you,Nick ***

Thank you for the opportunity to respond to this complaint.Per Unique policy, claimants may rent a vehicle for $per day, plus taxes, for up to daysWe do not reserve and pay for vehicles upfrontWe recommend consumers utilize online sites such as *** ** *** to find strong
deals for rental vehicles.We apologize for the lack of service provided the complainant and the adjuster previously working on her claim is no longer with the companyI see from the notes that the complainant was to contact the body shop to schedule the repairs to her vehicleThee estimate for the veicle was approved and sent to the body shopIt is now up to the complainant to have the vehicle repairedOnce we receive a rental receipt, we can issue payment for the rental as well*** *** is out of the office but I will follow up with him when he returns.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.The complainant had various issues with her policy which we cannot discuss in a public forum to make certain her privacy is safeguardedWe were requiring some documents which were not returned to us, such as a proof of reinstatement of
license by the state of IN and a signed exclusion for an excluded driverWithout going in to more detail, suffice it to say we could not provide coverage in Indiana without these items.Thank you,*** ***

Thank you for the opportunity to respond to this complaintOn behalf of the company, Unique Insurance apologizes to the complainant for the lack of communications on this claimI have asked the team supervisor to review the claim and contact the complainantHe said someone from his team will be
in contact with this gentleman by tomorrow morning.Thank you again,*** ***

After reveiwing the claims notes, I see that the complainant's vehicle is deemed a total loss, Unique made an offer and the complainant accepted, as of today, 06/24/Once a vehicle is deemed a total loss, the claim usually takes a bit longer to process, also Unique needed to order a *** report to establish liability of the accident.This claim is moving toward complete resolution and should be closed once the paperwork sent to the complainant is returned to the company.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Per the file notes, this complainant has spoken with Unique since the claim was filed so I am not sure what the complaint is hereShe filed the claim on 05/and we spoke with her again on 05/It was explained to her that several items
were needed and we assigned a tow to her vehicle to the auto body shopAn adjuster will be in contact with her once we receive the requested information.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Per our notes, the complainant did indeed speak with one of our claims adjusters yesterday, December 1, He explained to her that we received the photos from their shop but we have not received an estimate from themShe said she would
speak to the shop and have them send it to us.At this time, we are waiting on the shops estimateThe complainant was also contacted on 11/23/16, when a status letter was sent to the claimant's address.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Unique apologizes if *** *** has had a lag in communications but we are looking to resolve this claim as quickly as possibleToday, our adjuster contacted the complainant to confirm his estimate is approved and left a voicemail messageShe
stated that she was sending a copy of the estimate to him as well as the physical damage release form in case he would like to cash out.Once the complainant responds, we can move forward with the claim resolution.Thank you,*** ***

Complaint: ***
Thank you for respondingUnique then misinformed me that the policy holder did have insurance at the time of the accident and told me that the claim was closed due to finding the policy holder not at faultBecause of the misinformation and lack of communication, I've been without a vehicle for over two monthsI'd like the adjuster and/or company to provide written notice, call, and proof that the claim was denied due to the car not being insured to me and my claims adjuster from my insurance companySo I can go forth with repairing my vehicle
Sincerely,
*** **

Complaint:
***
I am rejecting this response because:The complaintant (*** *** did NOT receive any response at all (no phone calls, no e-mails, nothing) from Unique insurance company. *** *** left numerous voicemails and e-mails to Unique insurance company - based in ILLINOIS - and still have never heard ANYTHING from Unique insurance company. My insurance company had to represent me and had to call Unique insurance company before Unique insurance company would respond - but Unique insurance company never had the courtesy to respond to ANY of *** ***'s inquiries. Shameful company.This company should receive an F minus rating from the ILLINOIS Revdex.com, and should be closely watched by the *** ** *** *** *** for others that Unique insurance company does not respond to. Check the current ILLINOIS Revdex.com complaints against Unique insurance company. Shameful company.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: I myself and he has called on several occasions and no one has attempted to call or answer his phone callHe was in court the ONE time they actually reached outI call his cell and office and I've not received any prompt stating his VM is full as a matter of fact they normally answer right awayI also must state that the new adjuster that I was assigned Mr*** is no longer with the company and I wasn't informedI 've been leaving messages for him and nothing was disclosed until my lien holder called another department thats when we were made aware of the situation.
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaintI see from the notes that our claims Manager did speak with the complainant on Friday, July 14th, and explained to her the rental reimbursement policyHe explained that Unique must receive an itemized statement of rental charges from
a licensed automobile rental agency/business; which a cab ride is notHe explained that he cannot create coverage where it doesn't existThe insured said she understoodHe also mentions that the receipt is of note because the can company receipt is for $with a hand written note of $39.50.At this time, Unique stands by this manager's decision.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.Our job is to safeguard our insured's vehicles and ensure that we service them as best as possibleThe complainant is a third party claimant who we understand is frustrated by the process and we apologize this claim is taking longer than
anticipated, but we must receive a statement from our insured before moving forwardAlso, we are waiting on the *** report to see if this will provide direction as to who is liable for the accidentOnce we receive this information, we can proceed to having the claim resolvedThank you,*** ***

Initial Business Response /* (1000, 5, 2015/02/04) */
1/06/15: Insured called in claim
1/07/15: I contacted Ms*** and requested statement regarding facts of the lossI also advised her of deductible, rental process - reimbursement only, medical payment limit and advised we need medical
payment forms, bills/records, for this part of the claimAt this time, I also advised insured that because she is a new policyholder (effective date of policy is 1/03/15) and accident occurred on 1/06/15, we need additional documents from her such as Bill of Sale and Proof of Prior Insurance to conduct an investigation and make sure coverage is okayI advised we will obtain police report
1/12/15: Insured called me on this date and left a messageI returned her call and left a voice mail for her in returnThe insured called back the same day and I advised her that we are awaiting the police report, and required documentation from her
1/19/15: I received the police report and called insured, left a message on v/m the same day advising I still need some documentation
1/21/15: I called insured again to advise her again that we are awaiting documents from her, she advised she mailed on 1/16/
1/22/15: I received partial documents and called insured to advise her that we still need all documents requested, she advised she will forwardDocument for medical payment still has not been submitted
1/26/15: I received some documentation from Insured, I then sent request to our Underwriting Department to review of coverage
1/29/15: Coverage was found to be okay by underwriting, I called insured to advise that repairs have been approved, I also advised her of the estimate, betterment, deductible and rental process againInsured wanted to bring in her owns parts so that she would not be responsible to pay for betterment, I advised insured to discuss with body shop, she agreed and understoodI also advised insured we still need Medical Payment form before medical payment claim can be resolved, she said she understood
02/03/15: I called insured regarding repairs and additional documentationInsured advised she will fax documents todayPayment of medical bill and rental will be issued upon receipt of required documents, this was explained to insured