Associated Construction

Thank you for the opportunity to reply to this complaint.This claim is in our Special Investigation Department so I am unable to discuss details in a public forumI can say that when this occurs, a special team reviews the claim and will contact parties involved to make certain a comprehensive
investigation of the claim is completedSometimes if they conclude the need to confirm certain details of the claim, they may ask for added documentation, such as phone ***s or credit card ***s.She has sent a few emails now to me asking for assistance and while I can attempt to move the claim forward, if SIU is requesting documents then nothing can happen until those documents are sentIn her emails, she is threatening to call the media about her claim but if she would provide the documents, it would be easier for all parties involved.At this time, we have not received the requested documentation and the complainant has stalled the claim review processIt is in the best interest of the complainant to provide the requested documents immediately, her claim could potentially be denied due to non-cooperation from the insured.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Unique has, in fact, been in touch with this complainant on several occasions; 01/13, 01/Then on 02/11/16, the adjuster contacted the insured and let him know the vehicle is a total lossWe also let him know that a manager needed to
review the coverage issue with an undisclosed driverOnce this occurred, Unique would be in touch with himOn 02/12/2016, the complainant was notified that due to the undisclosed driver a premium surcharge would be put in place along with his deductible from the total loss valuationThe complainant came to our offices and reviewed this information with the adjuster, he signed the power of attorney and proof of loss and all other paperwork was processedThe vehicle is to be picked up at the lot where it is located.This claim is in process of resolution and this complainant is obviously well aware of what is happening with his claim.Thank you,Nick ***

Thank you for the opportunity to respond to this complaint.This claim was denied on January 5, 2017, our adjuster took a recorded statement from the insured who said they left the insured vehicle running with the keys inside while she and her husband went back inside their homeThe vehicle was then
taken while running with the keys and later recovered with damage and keysThe adjuster informed the insured that there is no coverage for this loss since there was no forced entry to the vehicleThe adjuster explained that she would deny the claim and would send her a denial letter stating the sameThe insured said they understood.On January 9, 2017, the insured and her husband came to the office to drop off paperwork and keysThe adjuster made copies for the file but reminded her that they had spoken the previous week and that this claim was denied due to no forced entryThe insured asked what the point of full coverage is and the adjuster explained that the lien holder may have required it at the time of purchasing the vehicle and the denial is based on a policy exclusionThe insured asked for a copy of the denial and the policy which the adjuster providedThe complainant then requested to speak with a Spanish speaking adjuster.The Spanish speaking adjuster then explained the situation to them and the complainant said there was no point in having full coverage and left the premises.At this time, the denial stands.Thank you again,Nick ***

Complaint: ***
I am rejecting this response because: I am not going through my carrierI am going through unique car insurance as their insured vehicle it meYou should me communicating with meI told my adjuster, *** *** such a number of timesAnd he is still not calling me back
Sincerely,
*** ***

Thank you for the opportunity to reply to this complaint.Our adjuster just spoke with the complainant on Tuesday, 03/01/16, and explained the situationWhile the claimant's carrier provided an accident report, we have requested an official police report to confirm liabilityThere may also be a
coverage issue on this policy at the time of the accident.The adjuster explained this information to the complainant and once we receive the official police report, we can move forward with the claim.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Since this third party claimant has decided to subrogate, we can only work with his carrier and not directly contact himAt this time, I will have someone contact his carrier for resolution.Thank you again,*** ***

Unique does apologize for the delay in the processing of the claim however, per the complainant's policy, the policy is not extended to a rental vehicle for physical damage.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.We are unsure why this gentleman is so abrasive in his complaint outside of the fact that he is dissatisfied with the outcomeUnique discovered a coverage issue pertaining to this claimThe insured did not have coverage on the date of loss
therefore this claim is deniedThe insured's coverage was canceled effective 12/29/The adjuster should have sent out denial letters once coverage, or lack thereof, was establishedIf she has not, we will make certain this happens posthaste.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.After reviewing the claim with the team supervisor, it is deemed this claim will be denied due to confirmations from the police reportA letter outlining the details will sent to the complainant.Thank you again,*** ***

Per the claim notes, the vehicle is in repairs right now.Also, per the IL Department of Insurance, for an insured, a carrier has a guideline of days to complete a claim and Unique is within this timeframe currentlyAgain, we apologize for the actions but your vehicle is at the shop and should be in process of repair.Thank you,*** ***

We apologized to the complainant for the lack of communicationI am not sure what else he would like as the adjuster is continuing to work on his claim. Thank you

Complaint: ***
I am rejecting this response because: Unique Insurance lied to you Yes, I have now been able to speak with them on 6-10-16...because I consistently called them Then, since again I didn't hear from them after my initial call and speaking with someone there, I called again on 6-17- On this date they told me an adjuster has looked at the car (finally) and they have received the *** report (finally); however, they state someone will need to review these results and get back to me in a couple of daysIt's now been days...granted, with a weekend in the middle of those days and I have not heard anything...guess I'll have to try calling them again So, this is still unresolved but at least they've answered my calls I've heard of companies dragging their feet but this is ridiculous...it's now been an entire month since that accident I feel like the only reason they speak to me is because I contacted you, The Revdex.com
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 20**/09/09) */
Thank you for the opportunity to respond to this complaint
However, we have no record of Mr*** as an insured or as a claimantIf he can provide a claim or policy number, this would be helpful
Thank you,
Nick ***
Initial
Consumer Rebuttal /* (3000, 7, 20**/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
***XXXXXXX Claim number and I'm the Lien holder autowerkz and there's also another claim that has taken five months and I'll get you the claim tomorrow for that oneI wish your company would respond to me as quickly as you did on Revdex.com
Final Business Response /* (4000, 9, 20**/09/11) */
Thank you Mr*** for the quick response
As per your previous e-mail conversation dated 09/09/** with our adjuster, this claim is still pending criminal investigation by the police department in New MexicoThis e-mail is noted in the file and also pasted in it:
Subject: Re: *** - Joe ***
Date: Wed, Sep 20** 10:51:-
From: Amelia ***
To: Autowerkz
Still waiting for the status of the investigation from NM PD Detective Armando Fernandez; I spoke to him
yesterday and agreed to follow up with him againAs the matter is still pending
We still have no word from the police department and once we do, we can move forward on the claim but until their investigation is complete, we cannot do so
Also, our adjuster attempted to contact the insured but his number is now disconnected so if you have another phone number, please provide it to us
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 meYes I placed my complaint on 1/I was reached out the first thing on 1/after several attempts and messages to the companyI am still awaiting closure and repairs to my car I am to hear from them by Thursday 1/
Sincerely,
*** ***

Thank you for allowing Unique to respond to this complaint.While we usually have distinct reasons to comply with these explanations, we sincerely do not have one for this complaintPlain and simple, we dropped the ballAnd I would like to apologize wholeheartedly to this insured for the lack of
service from her insurance companyRest assured that this claim is on track to resolution, I had one of our claims supervisors contact the complainant today and explain to her the current statusShe is well aware of what is happening and we are working toward a timely resolution and, again, apologize to our insured(the complainant).Thank you,*** ***

Thank you for the opportunity to respond to this complaint.I am actually unsure why this complaint was filed on 02/29/because I see from the adjuster's notes that Unique was in contact with the complainant on this date and explained the current status of the claim.The adjuster explained that
there is a coverage issue since there was no prior coverage on the Mitsubishi involved in the accident and there was undisclosed driver as her son was driving the vehicleShe was advised that we need a bill of sale and she said she would fax all the documents to usWe have notified the claimant's carrier that we have a coverage issue which we are trying to resolveWe advised the insured that she needs to complete the accident report form, and provide the police report and the bill of sale in order to continue processing the claimShe said she did not received the accident report form in the mail and we re-sent one to herThe complainant can also find the accident report form online at our website, Forms page.Thank you,*** ***

Complaint: ***
I am rejecting this response because:I understand that you have no cooperation from your clientI have submitted the police report twice and the estimate times and you always say you are waiting on it and just recieved itNo one has been rude, however I am here without a carIt ridiculous and it's not a way to treat anyoneI will be pursuing legal action very shortly if I am unable to find a resolutionThey said they would have to send out certified mail to your customerI know where you client works and hes easy t get in touch witbHowever your saying it could take up to four more week before we can even continue the claimI have never had any problems with insurance beforeSomeone hit me on the motor cycle two years ago it took three days for them to get everything and get in touch with their customerMy own company turn around time is a week at most to get in touch with all the partiesIt has been a month and not even one step of progressLook I understand things take time, but you need a better way of getting in touch with your clients
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: It is unacceptableFirst and foremost I would like to know which shop they are referring to that they spoke with who stated that the damage was not accident related, because the muffler shop showed me the cracked parts and specifically said this is not something that wouldn't just happen and it was most definetly caused my the collision into the concrete wall especially at high speedsAlso, and I quote from the Snr VP "my parts could have went bad in December or January and the accident just sped up the process "Well, to me that's stating that something is loss relatedAlso, if my car was driveable on an expressway with no muffler, catalytic convertor, or flex pipe dragging prior to the he accident and then I pick it up from the collision place after the accident and all of that is wrong with it how does one say the two are not related? Referring to the statement that I should have given them a chance to look at the car before repairs, well that's where the scam part comes in I believeThey did look at the car, an adjuster came out look at it at fine line collision did he not do a thorough job? I don't knowHow was this missed? Fine line told me they do not do mechanical work and this was the way service went after I paid my deductible, this was the place they sent me so I figured he knew what he was talking aboutHow am I at fault for believing the person they do business with, or for wanting my car in the same condition it was prior to my accident? I paid my deductible I paid my premium every monthIsn't this what insurance is for? But now they are offering to pay for the catalic convertor and flex pipe and an hr of labor (but what they pay for an hr of labor not what I was charged, so $for labor when on my bill it says $346)It's a slap in the face to be honest.
Sincerely,
*** ***

Thank you for the opportunity to reply to this complaint.I see that this insured's check was issued on 05/16/17, so he should have his refund by now.If he does not he should let me know directly at ***@***.com and I will stop payment to his current check and have a new one
issued.Thank you again,*** ***

Due to the complainant's information, she is now contacting an attorney and will provide representation instead of just providing the police report which may help determine liability.Unique is a non-standard insurance company, not a "sub insurance company", which means we cover hard-to-insure driversLarger companies do not attempt to cover these drivers because the costs would be too exorbitant and the premiums would be outlandishSo there is a market for these drivers called non-standardIf it weren't for companies like Unique Insurance, there would be many uninsured drivers on the road and when people like the complainant got into an accident with an uninsured motorist...you would have only your own company to turn toThis means, you would file a claim with your company and they may raise your rates, most likely, or perhaps drop you as a client altogetherNon-standard companies, such as Unique Insurance, help to make the roads safer by not having uninsured motorists traveling the roads in Illinois and nationallyThank you, Nick ***