Initial Business Response / [redacted] (1000, 6, 2015/12/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, [redacted] ***As a result, we opened a claim and completed a thorough investigation of the above mentioned accidentOur investigation concluded that the above mentioned accident was % caused by our insuredFurthermore, our records indicated that Ms [redacted] 's claim has been paid and fully resolved to-dateWe show that the repair costs to get her automobile repaired have all been paid directly to her repair facility of choice Our records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly If Ms [redacted] wishes to discuss this matter further with me, please do not hesitate to have her contact me and I will be more than happy to assist her Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, everything was paid for...EVENTUALLYThe following is completely untrue: "Our records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly." It took many, many calls from me and the repair shop to get a response from BlackhawkWhen I finally got a response, the excuse was "I was on vacation and you should have just called your own insurance if you were in such a rush." If I am ever hit by a Blackhawk insured again, I will indeed go through my own insurance rather than deal with them again
Initial Business Response / [redacted] (1000, 5, 2015/11/11) */ This claim was reported on 9/14/by [redacted] ***She advised the hood flew up and damaged the vehicleIt turns out that her dealer's shop worked on the vehicle the same dayAn estimate was completed and it was determined that the *** vehicle was totaledIn addition, it appears this vehicle was totaled from a prior loss and carries a rebuilt titleWe also discovered that this vehicle had been in a prior loss the week before our claimThis file was referred to our Special Investigation Unit for further reviewAt this time, we are moving forward with evaluation this vehicle and will be making Ms [redacted] an offer this week
Initial Business Response / [redacted] (1000, 5, 2015/09/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, Jonas LizamaAs a result, we completed a thorough investigation of the above mentioned accident and we concluded the accident had been % caused by Ms [redacted] Further, our investigation revealed that Ms [redacted] 's alleged witness was not a true-non biased witnessA police report was not filed for this loss, and, as a result, we had to conduct our own investigation of this lossUnfortunately, Ms [redacted] made an unsafe lane change into our insured's vehicle, thus we determined that the operator/driver of our insured vehicle did not cause this accidentTherefore, we denied liability to Ms [redacted] 's claim While Ms [redacted] feels our insured was liable for the above mentioned loss, we respectfully disagreeWe have mailed Ms [redacted] a liability denial letter outlining the reasons we've denied her claimThis was also explained to Ms [redacted] over the phone Again, due to Ms [redacted] being found as the cause of the above mentioned accident, we have respectfully denied her claim If Ms [redacted] wished to discuss this matter further with me or has evidence to the contrary to our decision, please do not hesitate to have her contact me and we will consider any possible evidence she may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) what investigation? After a month and half of not getting a hold of him, yall call him Friday morning, get his statement,I call that afternoon to follow up and he isn't at faultWhen I have pictures that clearly shows who is at fault and a witness who was sitting in the front seat .That's a pretty crappy investigation if you ask meI clearly didn't make an unsafe lane changeI was already in the lane like I stated on the recording, they are taking their insure driver statement and running with it.The it was on his phone, wasn't paying attention and hit my car forcing my rear view mirror in the upward forward positionI wasn't not at fault, even Gieco clearly stated it after the investigationLike I said BH takes the word of their insured drivers and twist up the other party statement, without doing a full investigationI will not let this go, I will fight this Final Business Response / [redacted] (4000, 9, 2015/09/03) */ While Ms [redacted] feels our insured was liable for the above mentioned loss, we respectfully disagreeWe have mailed Ms [redacted] a liability denial letter outlining the reasons we've denied her claimThis was also explained to Ms [redacted] over the phone Again, due to Ms [redacted] being found as the cause of the above mentioned accident, we have respectfully denied her claim If Ms [redacted] wished to discuss this matter further with me or has evidence to the contrary to our decision, please do not hesitate to have her contact me and we will consider any possible evidence she may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # ***
Initial Business Response / [redacted] (1000, 5, 2015/06/02) */ Respectfully, Ms***'s allegations are mostly unfounded and unwarrantedShe was not involved in the accident and as with most accidents and disputes there are two sides to every storyThe accident is only a week old and she is requesting a liability decision to be made and payment of her claim without a thorough and warranted investigation to be completedTo date, she has refused to permit us to interview her daughter to assist in the investigation All insurance companies are regulated to conduct a thorough and reasonable investigation of an accidentThis is the process before accepting, compromising, or denying claims to a "third party"If claimants are anxious to have their vehicle repaired before the liability investigation is completed, most third party claimants utilize their collision coverage under their own auto policy and sign over their right of subrogation to their insurance company to collect from the "responsible carrier" In this case the facts are disputed as our policyholder is adamant he lawfully entered the intersection on a green arrow and had control of the intersection when Ms***'s daughter entered the intersection Our driver was not cited for "running a red light" as Ms [redacted] allegesThe citation, which is being disputed, is for "failure to yield"Our insured's vehicle did not broadside Ms***'s vehicle as she allegesHer daughter, broadsided our insured's vehicle when she allegedly entered the intersection from a stopped position, while talking on her cell phone, and without allowing the intersection to clearPrior to the arrival of the Houston Police, the Harris County Sheriff sided with our policyholder This is why the statements from the witness and Ms***s daughter are important to help clarify the facts of loss Blackhawk Claims will continue to investigate this loss to conclusion and provide Ms [redacted] with our timely liability decision Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ This claim was opened by [redacted] the complainant who informed us of the loss as first noticeWe commenced with our usual and customary investigation of coverage and liabilityOur insured has heretofore been uncooperative during the course and scope of the investigationAs such, we made a business decision to proceed with the resolution of the claim, notwithstandingThus, the claim has been resolved with Mr [redacted] We are unaware of any other pending claims in this matter
Initial Business Response / [redacted] (1000, 5, 2015/12/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, Karim AbdulAs a result, we completed a thorough investigation of the above mentioned accident and we concluded the accident had been % caused by our insuredFurther, our investigation revealed that Ms [redacted] has been paid and fully resolved to-dateOur records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly If Ms [redacted] wished to discuss this matter further directly with me, please do not hesitate to have her contact me and we will be more than happy to assist her Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # ***
Initial Business Response / [redacted] (1000, 7, 2015/08/21) */ We apologize for the experience that [redacted] Copean had with our company We don't show any record that we actually spoke to [redacted] but rather we were dealing with "***" who stated she couldn't help us and a woman named " [redacted] "Virtually every time we tried to contact [redacted] Used Cars, we would be given different prompt numbers and when the prompt numbers were selected, the mailboxes were always full, making leaving a message difficultThe claim was delay in part because our policyholder never responded to our calls or follletters to verify the damages or facts as to how they happened [redacted] repossessed the vehicle from our policyholder and the claim was promptly paid to [redacted] On [redacted] 's defense, she has been handling claims for years and prides herself in customer service, is very thorough with the claims process and always professionalWithout being provided a specific example of her being "unprofessional", it is difficult to address exactly what she said that was deemed unprofessional, but, we sincerely apologize for any behavior that was interpreted as unprofessional
Initial Business Response / [redacted] (1000, 11, 2015/10/29) */ As claims administrators for American Alternative Insurance Corporation, we empathize with Ms [redacted] 's frustrationUnfortunately, our hands are often tied when there are no "independent" witnesses that observed the accident and when our policyholder refuses to make contact with their insurance company to validate the facts of the accidentBlackhawk has investigated this claim properly and acted within the fair claims practices of the Texas Department of InsuranceMs [redacted] has every right to utilize her own insurance for the repairs of her vehicleWe have been dealing directly with her hired attorney and have agreed to reopen our file for consideration of her property damagesWe will continue to attempt to locate our policyholder to provide their version of the accident for determination of liability and consideration of Ms [redacted] 's claim Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) Until this moment the company refused to paymen for the inccidentIts almostmonthsPlease help me they pay me
Complaint: [redacted] I am rejecting this response because:The information contained in the response is falseI attempted on several occasions to contact them to file a claim and after a week of trying to find a phone number that worked (I received busy signals on three separate occasions using the number listed on their website) When I finally did contact them, I received a preliminary claim number that consisted of letters and numbers and when I did not receive any contact from an adjuster, as promised, I called them back Then, I was informed that THEIR insured had reported the claim This is a farce designed to make it appear that I have not been responsible in my reporting or timely in my manner The policy holder and I exchanged photographs of the scene and photographs of our insurance paperwork He did not speak English I spoke to his friend on his phone when he approached my vehicle He shook his head and said "Lo siento." and handed me his phone which was already on and connected on a call His friend told me, "I am sorry My friend says he his sorry He has his insurance information for youOkayThank you." The next day, I began my attempts to contact his insurance company After the initial failed attempts, I contacted a lawyer, who was my representation during initial contact I called the company again and they told me they would not speak to me regarding an adjuster's visit or contact information because I was represented I then contacted the lawyer and released him from service and attempted to contact the company again At no point did I receive a phone call with any adjuster's information No one ever left a message with any available appointment times No one ever emailed meNo one from the company ever made contact with me despite repeated attempts on my partRequiring the use of my vehicle for work, I contacted my own insurance company to expedite its repair Of specific note is Mr [redacted] assertion that he will "continue to work professionally with [me] to hopefully achieve an amicable solution." At no point during the attempted resolution of my claim have they worked with me at all Any attempts to discern when an adjuster could look at my car, where I could bring it for repair, or any other information required was met with a busy signal, an unanswered phone (as described initially, I had to circumvent the contact person's direct line and ask the operator if that person was at her desk and would answer her phone (after going unanswered twice) before allowing a transfer to her line) The "written demand" Mr***omb references is an invoice reflecting my good faith estimate at that date of the pain and suffering their ridiculous, unprofessional practices have caused In addition to that invoice, his company has been provided with more recently incurred medical bills and every medical bill incurred (including the ER visit and CT scan that verified my injury) as a result of the incidentThey have also been provided with a calculation for the present value of future care and they have been provided notification of my name change as a result of marriage If Mr***omb and his company continue to drag this out, I will be forced to reconsider representation; my time is more valuable than to be wasted on this garbage company and their garbage practices This has been the most stressful interaction for no reason other than this garbage company trying to avoid paying a very simple, valid claim where THEIR INSURED REAR ENDED ME! The company's request for medical records was far too broad for my approval (I am a Certified Fraud Examiner) and I will in no way allow this company to view, access, request, and certainly not forward my medical records (they requested ALL records for ALL dates without limit) to any entity at any time with no expiration date This kind of request is not only ridiculous, it is also burdensome, opens me up to medical identity theft, and is a violation of my privacy Sincerely, [redacted] (formerly [redacted] )
Initial Business Response / [redacted] (1000, 5, 2015/05/29) */ A review of our claim records revealed that Mr [redacted] presented a claim for damages to his vehicle as a result of an automobile accident with our insured driver, [redacted] After a thorough investigation and intensive contact attempt with our named insured and insured driver, both our named insured and our insured driver failed to cooperate with our investigation of the above mentioned loss, and therefore, we had no other option but to deny coverage due to our insured's lack of cooperation Below are the general duties our insured failed to comply with during our investigation of the above mentioned loss: GENERAL DUTIES AWe must be notified promptly of how, when and where the accident or loss happenedNotice should also include the names and addresses of any injured persons and of any witnessesIf we show that your failure to provide notice prejudices our defense, there is no liability coverage under the policy BA person seeking any coverage must: Cooperate with us in the investigation, settlement or defense of any claim or suit Due to our insured's lack of cooperation, coverage was properly denied to Mr ***'s claimWhile Mr [redacted] feels we have not and did not properly denied his claim, we respectfully disagreeOur insureds' policies are a very restrictive policies which do not provide coverage to any loss when any insured fails to cooperate with any and all investigations of any losses presented against their policiesAnd, since our insured clearly failed to cooperate with our investigation of Mr***'s loss, coverage was denied to Mr***'s claimThis was explained to Mr [redacted] over the phone and a proper coverage denial letter with what we're required to disclose in terms of our coverage denial reasoning was mailed to Mr*** Again, due to coverage not being applicable to cover Mr***'s claim, we have respectfully denied his claim If Mr [redacted] wished to discuss this matter further with me or have evidence to the contrary to our decision, please do not hesitate to have him contact me and we will consider evidence he may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (2000, 12, 2015/07/15) */ Blackhawks did pay for all damagesIt's sad that you have to drag them through the mud to get basic service complianceTheir client which they could never reach switched policies and the insurance broker is under investigation by the Texas DOI for insurance violations This could have all been avoided by a better customer focused service orientation, but I don't expect that to change based on the last communications received from both them and AAIC the carrier I would recommend anyone involved in an accident get a lawyer if they see either names on an insurance card
Initial Business Response / [redacted] (1000, 6, 2015/12/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, [redacted] ***As a result, we opened a claim and completed a thorough investigation of the above mentioned accidentOur investigation concluded that the above mentioned accident was % caused by our insuredFurthermore, our records indicated that Ms [redacted] 's claim has been paid and fully resolved to-dateWe show that the repair costs to get her automobile repaired have all been paid directly to her repair facility of choice Our records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly If Ms [redacted] wishes to discuss this matter further with me, please do not hesitate to have her contact me and I will be more than happy to assist her Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/12/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Yes, everything was paid for...EVENTUALLYThe following is completely untrue: "Our records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly." It took many, many calls from me and the repair shop to get a response from BlackhawkWhen I finally got a response, the excuse was "I was on vacation and you should have just called your own insurance if you were in such a rush." If I am ever hit by a Blackhawk insured again, I will indeed go through my own insurance rather than deal with them again
Initial Business Response / [redacted] (1000, 5, 2015/11/11) */ This claim was reported on 9/14/by [redacted] ***She advised the hood flew up and damaged the vehicleIt turns out that her dealer's shop worked on the vehicle the same dayAn estimate was completed and it was determined that the *** vehicle was totaledIn addition, it appears this vehicle was totaled from a prior loss and carries a rebuilt titleWe also discovered that this vehicle had been in a prior loss the week before our claimThis file was referred to our Special Investigation Unit for further reviewAt this time, we are moving forward with evaluation this vehicle and will be making Ms [redacted] an offer this week
Initial Business Response / [redacted] (1000, 5, 2015/09/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, Jonas LizamaAs a result, we completed a thorough investigation of the above mentioned accident and we concluded the accident had been % caused by Ms [redacted] Further, our investigation revealed that Ms [redacted] 's alleged witness was not a true-non biased witnessA police report was not filed for this loss, and, as a result, we had to conduct our own investigation of this lossUnfortunately, Ms [redacted] made an unsafe lane change into our insured's vehicle, thus we determined that the operator/driver of our insured vehicle did not cause this accidentTherefore, we denied liability to Ms [redacted] 's claim While Ms [redacted] feels our insured was liable for the above mentioned loss, we respectfully disagreeWe have mailed Ms [redacted] a liability denial letter outlining the reasons we've denied her claimThis was also explained to Ms [redacted] over the phone Again, due to Ms [redacted] being found as the cause of the above mentioned accident, we have respectfully denied her claim If Ms [redacted] wished to discuss this matter further with me or has evidence to the contrary to our decision, please do not hesitate to have her contact me and we will consider any possible evidence she may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) what investigation? After a month and half of not getting a hold of him, yall call him Friday morning, get his statement,I call that afternoon to follow up and he isn't at faultWhen I have pictures that clearly shows who is at fault and a witness who was sitting in the front seat .That's a pretty crappy investigation if you ask meI clearly didn't make an unsafe lane changeI was already in the lane like I stated on the recording, they are taking their insure driver statement and running with it.The i
t was on his phone, wasn't paying attention and hit my car forcing my rear view mirror in the upward forward positionI wasn't not at fault, even Gieco clearly stated it after the investigationLike I said BH takes the word of their insured drivers and twist up the other party statement, without doing a full investigationI will not let this go, I will fight this Final Business Response / [redacted] (4000, 9, 2015/09/03) */ While Ms [redacted] feels our insured was liable for the above mentioned loss, we respectfully disagreeWe have mailed Ms [redacted] a liability denial letter outlining the reasons we've denied her claimThis was also explained to Ms [redacted] over the phone Again, due to Ms [redacted] being found as the cause of the above mentioned accident, we have respectfully denied her claim If Ms [redacted] wished to discuss this matter further with me or has evidence to the contrary to our decision, please do not hesitate to have her contact me and we will consider any possible evidence she may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # ***
Initial Business Response / [redacted] (1000, 5, 2015/06/02) */ Respectfully, Ms***'s allegations are mostly unfounded and unwarrantedShe was not involved in the accident and as with most accidents and disputes there are two sides to every storyThe accident is only a week old and she is requesting a liability decision to be made and payment of her claim without a thorough and warranted investigation to be completedTo date, she has refused to permit us to interview her daughter to assist in the investigation All insurance companies are regulated to conduct a thorough and reasonable investigation of an accidentThis is the process before accepting, compromising, or denying claims to a "third party"If claimants are anxious to have their vehicle repaired before the liability investigation is completed, most third party claimants utilize their collision coverage under their own auto policy and sign over their right of subrogation to their insurance company to collect from the "responsible carrier" In this case the facts are disputed as our policyholder is adamant he lawfully entered the intersection on a green arrow and had control of the intersection when Ms***'s daughter entered the intersection Our driver was not cited for "running a red light" as Ms [redacted] allegesThe citation, which is being disputed, is for "failure to yield"Our insured's vehicle did not broadside Ms***'s vehicle as she allegesHer daughter, broadsided our insured's vehicle when she allegedly entered the intersection from a stopped position, while talking on her cell phone, and without allowing the intersection to clearPrior to the arrival of the Houston Police, the Harris County Sheriff sided with our policyholder This is why the statements from the witness and Ms***s daughter are important to help clarify the facts of loss Blackhawk Claims will continue to investigate this loss to conclusion and provide Ms [redacted] with our timely liability decision Sincerely, [redacted]
Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ This claim was opened by [redacted] the complainant who informed us of the loss as first noticeWe commenced with our usual and customary investigation of coverage and liabilityOur insured has heretofore been uncooperative during the course and scope of the investigationAs such, we made a business decision to proceed with the resolution of the claim, notwithstandingThus, the claim has been resolved with Mr [redacted] We are unaware of any other pending claims in this matter
Initial Business Response / [redacted] (1000, 5, 2015/12/01) */ A review of our claim records revealed that Ms [redacted] presented a claim for damages to her vehicle as a result of an automobile accident she was involved in with our insured, Karim AbdulAs a result, we completed a thorough investigation of the above mentioned accident and we concluded the accident had been % caused by our insuredFurther, our investigation revealed that Ms [redacted] has been paid and fully resolved to-dateOur records also indicate that we have been in constant communication with Ms [redacted] and all of her messages and calls have been returned promptly If Ms [redacted] wished to discuss this matter further directly with me, please do not hesitate to have her contact me and we will be more than happy to assist her Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # ***
Initial Business Response / [redacted] (1000, 7, 2015/08/21) */ We apologize for the experience that [redacted] Copean had with our company We don't show any record that we actually spoke to [redacted] but rather we were dealing with "***" who stated she couldn't help us and a woman named " [redacted] "Virtually every time we tried to contact [redacted] Used Cars, we would be given different prompt numbers and when the prompt numbers were selected, the mailboxes were always full, making leaving a message difficultThe claim was delay in part because our policyholder never responded to our calls or follletters to verify the damages or facts as to how they happened [redacted] repossessed the vehicle from our policyholder and the claim was promptly paid to [redacted] On [redacted] 's defense, she has been handling claims for years and prides herself in customer service, is very thorough with the claims process and always professionalWithout being provided a specific example of her being "unprofessional", it is difficult to address exactly what she said that was deemed unprofessional, but, we sincerely apologize for any behavior that was interpreted as unprofessional
Initial Business Response / [redacted] (1000, 11, 2015/10/29) */ As claims administrators for American Alternative Insurance Corporation, we empathize with Ms [redacted] 's frustrationUnfortunately, our hands are often tied when there are no "independent" witnesses that observed the accident and when our policyholder refuses to make contact with their insurance company to validate the facts of the accidentBlackhawk has investigated this claim properly and acted within the fair claims practices of the Texas Department of InsuranceMs [redacted] has every right to utilize her own insurance for the repairs of her vehicleWe have been dealing directly with her hired attorney and have agreed to reopen our file for consideration of her property damagesWe will continue to attempt to locate our policyholder to provide their version of the accident for determination of liability and consideration of Ms [redacted] 's claim Initial Consumer Rebuttal / [redacted] (2000, 13, 2015/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) Until this moment the company refused to paymen for the inccidentIts almostmonthsPlease help me they pay me
Complaint: [redacted] I am rejecting this response because:The information contained in the response is falseI attempted on several occasions to contact them to file a claim and after a week of trying to find a phone number that worked (I received busy signals on three separate occasions using the number listed on their website) When I finally did contact them, I received a preliminary claim number that consisted of letters and numbers and when I did not receive any contact from an adjuster, as promised, I called them back Then, I was informed that THEIR insured had reported the claim This is a farce designed to make it appear that I have not been responsible in my reporting or timely in my manner The policy holder and I exchanged photographs of the scene and photographs of our insurance paperwork He did not speak English I spoke to his friend on his phone when he approached my vehicle He shook his head and said "Lo siento." and handed me his phone which was already on and connected on a call His friend told me, "I am sorry My friend says he his sorry He has his insurance information for youOkayThank you." The next day, I began my attempts to contact his insurance company After the initial failed attempts, I contacted a lawyer, who was my representation during initial contact I called the company again and they told me they would not speak to me regarding an adjuster's visit or contact information because I was represented I then contacted the lawyer and released him from service and attempted to contact the company again At no point did I receive a phone call with any adjuster's information No one ever left a message with any available appointment times No one ever emailed meNo one from the company ever made contact with me despite repeated attempts on my partRequiring the use of my vehicle for work, I contacted my own insurance company to expedite its repair Of specific note is Mr [redacted] assertion that he will "continue to work professionally with [me] to hopefully achieve an amicable solution." At no point during the attempted resolution of my claim have they worked with me at all Any attempts to discern when an adjuster could look at my car, where I could bring it for repair, or any other information required was met with a busy signal, an unanswered phone (as described initially, I had to circumvent the contact person's direct line and ask the operator if that person was at her desk and would answer her phone (after going unanswered twice) before allowing a transfer to her line) The "written demand" Mr***omb references is an invoice reflecting my good faith estimate at that date of the pain and suffering their ridiculous, unprofessional practices have caused In addition to that invoice, his company has been provided with more recently incurred medical bills and every medical bill incurred (including the ER visit and CT scan that verified my injury) as a result of the incidentThey have also been provided with a calculation for the present value of future care and they have been provided notification of my name change as a result of marriage If Mr***omb and his company continue to drag this out, I will be forced to reconsider representation; my time is more valuable than to be wasted on this garbage company and their garbage practices This has been the most stressful interaction for no reason other than this garbage company trying to avoid paying a very simple, valid claim where THEIR INSURED REAR ENDED ME! The company's request for medical records was far too broad for my approval (I am a Certified Fraud Examiner) and I will in no way allow this company to view, access, request, and certainly not forward my medical records (they requested ALL records for ALL dates without limit) to any entity at any time with no expiration date This kind of request is not only ridiculous, it is also burdensome, opens me up to medical identity theft, and is a violation of my privacy Sincerely, [redacted] (formerly [redacted] )
Initial Business Response / [redacted] (1000, 5, 2015/05/29) */ A review of our claim records revealed that Mr [redacted] presented a claim for damages to his vehicle as a result of an automobile accident with our insured driver, [redacted] After a thorough investigation and intensive contact attempt with our named insured and insured driver, both our named insured and our insured driver failed to cooperate with our investigation of the above mentioned loss, and therefore, we had no other option but to deny coverage due to our insured's lack of cooperation Below are the general duties our insured failed to comply with during our investigation of the above mentioned loss: GENERAL DUTIES AWe must be notified promptly of how, when and where the accident or loss happenedNotice should also include the names and addresses of any injured persons and of any witnessesIf we show that your failure to provide notice prejudices our defense, there is no liability coverage under the policy BA person seeking any coverage must: Cooperate with us in the investigation, settlement or defense of any claim or suit Due to our insured's lack of cooperation, coverage was properly denied to Mr ***'s claimWhile Mr [redacted] feels we have not and did not properly denied his claim, we respectfully disagreeOur insureds' policies are a very restrictive policies which do not provide coverage to any loss when any insured fails to cooperate with any and all investigations of any losses presented against their policiesAnd, since our insured clearly failed to cooperate with our investigation of Mr***'s loss, coverage was denied to Mr***'s claimThis was explained to Mr [redacted] over the phone and a proper coverage denial letter with what we're required to disclose in terms of our coverage denial reasoning was mailed to Mr*** Again, due to coverage not being applicable to cover Mr***'s claim, we have respectfully denied his claim If Mr [redacted] wished to discuss this matter further with me or have evidence to the contrary to our decision, please do not hesitate to have him contact me and we will consider evidence he may have Sincerely, [redacted] SrClaims Supervisor Blackhawk Claims Service X-XXX-XXX-XXXX Ext # [redacted] Initial Consumer Rebuttal / [redacted] (2000, 12, 2015/07/15) */ Blackhawks did pay for all damagesIt's sad that you have to drag them through the mud to get basic service complianceTheir client which they could never reach switched policies and the insurance broker is under investigation by the Texas DOI for insurance violations This could have all been avoided by a better customer focused service orientation, but I don't expect that to change based on the last communications received from both them and AAIC the carrier I would recommend anyone involved in an accident get a lawyer if they see either names on an insurance card