Cason Construction, Inc.

[redacted] I am writing in response to the complaint filed by [redacted]...

[redacted] in regarding to thepayment of her claim.The initial payment was sent as a 2 party check on 12/10/2014. Based on the informationwe obtained from the shop their bank would not deposit the check without [redacted]there as it was noted by the shop there was an issue with the endorsement of the check.Since this could not be accomplished it was decided on 12/22/14 another check would besent directly to [redacted]'s choice of shop, it appear that due to the holidays thischeck was delayed or possibly lost.Since the second check was not received it was decided to stop it and send out a newcheck overnight mail to her choice of shop so that this could be resolved. On 1/8/2014the new check was issued and sent via overnight mail.If you need any additional information, feel free to contact me.Sincerely,[redacted]Safe Auto Insurance###-###-####[redacted]

we do not feel they are giving us full market value. This started back in December, and we are tired of the games. If they gives what we are asking for, we will be glad to settle.
Regards,
[redacted]

Safe Auto is still refusing to refund the money they owe me.
Regards,
[redacted]

Dear Ms. [redacted]:I am responding to your letter dated 1 111 1/16. Ms. [redacted] is upset SafeAuto has not resolved theabove referenced loss.At this time, SafeAuto is working with our appraisers and Ms. [redacted]'s shop to resolve theabove referenced claim. We acknowledge some issues with the inspection...

process, nonethelesswe are working hard to take care of the damages to Ms. [redacted]'s vehicle.Sincerely,Allison N[redacted]Claims Supervisor

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]

Unfortunately, we have no record of Mr. Thompson calling into our company and speaking with a representative. The policy was started on our website and he elected liability coverage. Mr. Thompson has been refunded all premium with the except of the $10 application fee. Mr. Thompson did agree to the fee through our website prior to starting the policy. At this time, we have been more than accommodating in refunding the cancellation fee and the unearned premium.

January 24, 2017   [redacted]
Re: Complainant : [redacted] Insured : [redacted] File Number : [redacted] Policy Number : [redacted] Insuring Company : Safe Auto Insurance Company NAIC Number :...

[redacted]  Dear [redacted]  We are responding to your letter regarding a complaint filed [redacted] in regards to his license suspension. On 09/30/2016, [redacted] started a policy with our company. The first bill notice was mailed on 10/07/2016 with a due date of 10/14/2016. South Carolina issued a moratorium for Berkeley county effective 10/4/2016 – 12/07/2016. Therefore, the policy remained active, though no payment was received. On 11/07/2016, a bill notice was mailed with a due date of 12/15/2016. A cancellation notice was mailed on 12/16/2016 with a future effective date of 1/01/2017. No payments were received and the policy cancelled for non-payment. In reviewing, there are no outstanding FR-4 suspensions for [redacted] per the South Carolina Alir system. If I can answer any other questions, please don’t hesitate to call or email me.  Sincerely, [redacted] Phone: ###-###-#### Email: [redacted]Fax: ###-###-####

I have talked with the service manager at [redacted] in [redacted]. He stated that the diagnostic you requested would not provide the information you requested (i.e. when the gauges failed or what caused the failure.) Therefore it does not make sense for me to pay for this diagnostic, I AM AN HONEST PERSON. BEFORE THE ACCIDENT THE GAUGES WORKED AND THE CAR DID NOT SHAKE WHEN I DRVE IT,MYINSURANCE COMPANY SAYS THE CAR WAS IN NEED OF A FRONT END ALIGNMENT.  All I ask is that my vehicle be as it was BEFORE your insured hit my car. 
Regards,[redacted]

I am rejecting this response because:"As soon as the stop pay is complete" does not give me a timeline as to when to expect a replacement check.  What is their process?  Could the process for re-issuing a check take longer than 30 days?  When should I expect a check?  Regards,
[redacted]

Liability has been finalized on your claim and we will be sending [redacted] a check for the estimate of the damages to your vehicle.   Please let us know where you plan on taking your vehicle for repairs and we can get a rental reservation setup with Enterprise.  Thank you, [redacted] P. ###-###-#### F. ###-###-####

July 5, 2017[redacted]
Dear [redacted],  This letter acknowledges receipt of your correspondence regarding the concerns of [redacted], ID number [redacted]. On 06/21/2017, the...

vendor used by SafeAuto to process credit/debit card payments experienced difficulties. Payments that had originally been made on 06/08/2017 by SafeAuto customers were duplicated and processed again on 06/21/2017 on behalf of SafeAuto. This was an error that originated with the vendor and was identified to SafeAuto. The vendor did resolve the issue and reversed the payments that were made in error on the same day as the issue. SafeAuto was advised that some banks may show the reversals the same day, while others may take longer. Our accounting department has been working with the vendor to inquire about the specific funds for [redacted]. The vendor has provided a tracking number for the payment reversal. I have spoken with [redacted] today on 07/06/2017 and provided him with the tracking number. I advised him to contact his card company and provide the tracking number for further information about the payment. I have emailed [redacted] the tracking number for his record purposes as well as my contact information in case there are further questions. He stated that he has no further questions or issues at this time. If you have any questions, please feel free to contact me.  Sincerely,  Karla M[redacted] Customer Contact Center Supervisor Phone: ###-###-####, ext. [redacted] Fax: ###-###-#### Email: [redacted]

I have attached the document provided to Safe Auto that they requested when I contacted them about the diminishment of my vehicle.  I paid a company that is authorized to do these reports $225.  The conversation, the few times that I have been able to actually speak to someone at Safe Auto,  I asked Safe Auto to provide the formula by which they came up with the original offer of $159.  They have never provided that .  I on the other hand in my conversation told them how I derived the $3098 that my vehicle has lost in value.  The formula that I used, utilizing NADA  was exactly what Brandon with Safe Auto said that they used.  The argument that Safe Auto is using "they don't feel that they owe a third party due to the State of Texas is not an argument that has any legal or rational defense.  As noted in the attachment, my vehicle is now worth over $3000 less due to Safe Auto insureds responsibility in the accident.  Since Safe Auto can't give me any legal argument for not paying a claim in Texas I am now requesting that Revdex.com schedule a mediation or can do via conference call or sky.  I live in Texas and I am happy to go to the local Revdex.com here if necessary.  My wife is actually the [redacted]  I reject the offer of $250.  I know that Safe Auto is an accredited business with your Revdex.com.  Therefore I am entitled to a mediation and possibly arbitration if necessary.  I am greatly disappointed in Safe Auto's continuing evasion in providing any rationale for their offer.  It barely pays for the document that THEY requested.  ,
[redacted]

I am responding to your letter dated 01/19/2016 regarding a complaint filed by [redacted]regarding a refund after cancelling her policy.On 01/12/2016, Ms. [redacted] started an insurance policy with our company. Thirty minutes afterstarting the policy, she called to cancel the policy. Since Ms. [redacted]...

was currently insured, werequested proof of her insurance. Once it was received, we issued a full refund of $231.00 backto her credit card on 01/13/2016.If I can answer any other questions, please don't hesitate to call or email me.Sincerely,Casey M[redacted]

The customer is ignoring their contacts.

We are responding to your letter regarding a complaint filed by [redacted] in regards to a premium increase. Mr. [redacted] started a policy on 09/02/2016 through our website. At that time, he was quoted a six-month premium of $457.00. Mr. [redacted] did not disclose any violations. ...

On 09/06/2016, we received a Motor Vehicle Report (MVR). The MVR disclosed two speeding violations. This caused the rate to increase. The six-month premium went to $613.00.  The policy cancelled on 10/02/2016 for non-payment. This left a remaining balance owed of $36.00.  Unfortunately, we will not be able to accommodate Mr. [redacted]’s request to waive the balance. We order the MVR at the time the policy is started and therefore the quoted amount is based upon the information provided by the customer.  If I can answer any other questions, please don’t hesitate to call or email me.  Sincerely, Casey M[redacted]

I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards,  [redacted]

I am responding to your letter regarding a complaint filed by [redacted] in regards to an increase and refund. On 03/11/2016, Ms. [redacted] started an insurance policy with our company on our website. She did not disclose any violations or accidents. This resulting in a quoted amount of $1273.00...

for six months. Later that day, we received the Motor Vehicle Report. When the violations and accidents were applied to the policy, the six month premium went to $2380.00 On 03/14/2016, Ms. [redacted] spoke with supervisor, Kelley. Kelley explained the uprate due to violations/accidents and Ms. [redacted] requested to cancel the policy. She was advised to send the cancellation in writing and of the 90% pro rata cancellation. There is a loss payee on the policy, so the policy was cancelled 12 days from the date the cancellation was processed. The policy is set to cancel on 03/30/2016. Due to the days of coverage and pro rata cancellation, this will result in a balance owed of $257.68. If I can answer any other questions, please don’t hesitate to call or email me. Sincerely,Contact Center ManagerPhone: ###-###-####Fax: ###-###-####Email: [email protected]

We are responding to your letter regarding a complaint filed by [redacted] in regards to policy cancellation.? Ms. [redacted] started a policy on 04/22/2017 on a 2009 Chevrolet Traverse. She then changed vehicles on 04/24/2017 to a 2011 Chevrolet Traverse. The vehicle was listed with a loss payee. ?...

On 04/25/2017, Ms. [redacted] called our service department to request the policy be cancelled. She was advised that we would require the request in writing and the cancellation would take effect 12 days in the future since a loss payee is listed. We are required to send notification to the finance company (loss payee). ? Ms. [redacted] then informed the representative the vehicle was already insured with [redacted]. We requested her to send in proof of insurance showing the loss payee and we would cancel as of the effective date of her insurance with [redacted]. ? We received proof for the 2011 Chevrolet Traverse but not on the 2009 Chevrolet Traverse. Therefore, the policy was cancelled effective 04/24/2017 when the vehicle was added to the policy. ? A full refund will not be given since Ms. [redacted] was insured with our company for 2 days on the 2009 Chevrolet Traverse. However, a refund will be given to Ms. [redacted] for the 2011 Chevrolet Traverse. If I can answer any other questions, please don’t hesitate to call or email me. Sincerely, Casey M[redacted]

This letter acknowledges receipt of your correspondence regarding the concerns of [redacted], ID number [redacted]A policy was started on our website by [redacted] on 6/08/2017 at 3:45 PM EST. The premium quoted to him at that time was based on information that he had provided on the...

application. The Motor Vehicle Report was returned on 06/09/2017 and included violations that were not listed on the original quote. This caused an adjustment to the premium. Mr. [redacted] requested to cancel the policy on 06/09/2017. Because the policy was certified, Mr. [redacted] was advised that the policy would have a future-dated cancel. SafeAuto is required to give the state of Virginia a twelve (12) day notice when a certified policy is canceled. Mr. [redacted] stated that he no longer needs a certified policy. He was advised to send proof that he no longer requires a SR22 or that it had been filed by another insurance carrier. Mr. [redacted] has not provided the requested information so we are unable to cancel the policy effective 06/09/2017. I am currently in contact with Mr. [redacted] to get the required information from the state so a resolution can be reached. Mr. [redacted] has agreed to send proof that he no longer requires a Sr22 to me directly and it will be handled efficiently and quickly upon receipt. If you have any questions, please feel free to contact me. Sincerely, Karla M[redacted] Customer Contact Center Supervisor [redacted]

I am responding to your letter dated 5/9/2016 regarding a complaint filed by [redacted]. Chronology: On 02/23/2016, this loss was assigned to adjuster Drew C[redacted] and Mr. C[redacted] attempted to contact the involved parties at their listed phone numbers. Mr. C[redacted] reached [redacted] who...

indicated she was a minor. Mr. C[redacted] advised Ms. [redacted] he would need permission from her parent/guardian before taking any statement from her and subsequently attempted to contact her father with no answer.  On 02/23/2016, Mr. C[redacted] obtained the permission to take a statement from Ms. [redacted]. Mr. C[redacted] spoke with Ms. [redacted] and took a statement regarding the facts of loss.  On 03/07/2016, Mr. C[redacted] obtained a statement from [redacted] who was operating [redacted]’s vehicle and obtained a statement regarding the facts of loss.  On 03/08/2016, Mr. C[redacted] reviewed the claim and noted that liability is disputed between the parties involved. Mr. C[redacted] determined that photos of the damage to the vehicles would be necessary to help resolve the pending liability decision.  On 05/03/2016, Mr. C[redacted] noted that all applicable information had been received and that the third party driver [redacted] had not responded to any of his contact attempts for a statement. Mr. C[redacted] made the decision based on the information received that Ms. [redacted] was not liable for the damage to Mr. [redacted]’ vehicle and accepted 20% liability for the damage caused to the vehicle operated by Ms. [redacted] (owned by Ms. [redacted]).  On 05/05/2016, Mr. [redacted] called and provided a statement regarding the facts of loss. Mr. C[redacted] determined that the facts of loss provided did not have any additional effect on the original decision.  Per the information received, Ms. [redacted] established and completed occupied the lane in front of Mr. [redacted] prior to this loss occurring. Ms. [redacted] was the operator of the vehicle in the front of this three vehicle accident. Mr. C[redacted] determination was that Ms. [redacted] was able to establish herself completely in the lane of travel and Ms. [redacted] was also able to stop without striking Ms. [redacted]. Ms. [redacted] indicated that some time passed after the lane change prior to her being struck by Mr. [redacted].  As Ms. [redacted] did indicate that a lane change did occur, Mr. C[redacted] assessed her to be 20% liable for the damages. As Mr. [redacted] failed to stop in time and struck the rear of Ms. [redacted], Mr. Cr[redacted] determined he would hold the majority of the liability at 80%.  An estimate was written for Ms. [redacted]’ vehicle and Mr. C[redacted] issued payment for 20% of the damages ($239.98) on 05/03/2016.  If I can answer any other questions, please don’t hesitate to call or email me.  Sincerely,  Christopher H[redacted]