Chris Just & Associates

To Revdex.comFr: Chris J*** Chris Just & Associates LLC Re: Complaint ID # [redacted] To whom it may concern, Upon receiving the email from Mr [redacted] on January 10th, 2018, I promptly emailed him back with information to try to get him to stay with Allstate since his renewals were not until 2/1/ However, he never responded until March 2nd in which he reiterated his desire to terminate-which we then took care of and we backdated the cancellation to the 2/1/date for both policies Refund for his Auto policy was sent back to his credit card on 2/21/Refund for his Home Policy was sent 3/2/We strive to take care of our customers, even if they are leaving, and we apologize for any miscommunication there may have been Best Regards, Chris J***Agency OwnerChris Just & Associates LLCAllstate Insurance Co[redacted] ***336-766-

Initial Business Response /* (1000, 6, 2015/06/11) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@allstate.com
This was a very rare and unfortuanate circumstance. We are in the business of insurance and it does us no good if we end up losing...

business such as what happened with this consumer. We are rated with our carrier as a "Premier Service Agency" meaning that we have to earn this title by keeping our cusotmers satisfied which we have done and continue to do over many years.
Insurance Companies do have a right to inspect property that they are insureing. Our initial binder of coverage allows for 60 days of coverage so the carrier can inspect as well as review any type of reports, etc. that are pertinent to the said property and consumer. In most cases, there is no problem-but in this cases there were some inspection issues that the consumer was informed about and was given a chance to repair but the consumer refused. We informed the consumer that per the application-the policy would be terminated as specified in the application unless she did the repairs. We also gave her an option with several other plans as well that would have provided her coverage but she refused. So pursuant to the Application she signed the policy terminated after the 60 day period.
The consumer at that point requested that her Auto Policy be terminated-although there was no issue with the policy and it was saving her money. So pursuant to NC State law, the applicable "short rate" penalty was applied since it was terminated mid-term. Therefore, we will not be able to refund any addtional monies due to NC State Insurance Regulations.
We do everything in our power to make the purchase of insurance a pleasant experience and we are sincerely sorry for this experience this consumer had with us. We have many satisfied customers with our Agency and this is truely not a typical situation.
Initial Consumer Rebuttal /* (3000, 8, 2015/06/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I talked with the Rep, I only needed the auto insurance since it would expire on April 7, 2015. My mortgage company had already paid for my homeowners insurance for one year which would not expire until August 2015. However, [redacted] took it upon themselves to switch my homeowners insurance at the same time they switched my car insurance. They did not follow the instructions I gave them. This caused a problem with my mortgage company because they said this made me not have enough in my escrow account. I had to make a special trip to my former home owner insurance and request a check for the time difference. If [redacted] would have followed my instructions and not start homeowners until August 2015, they would have had plenty of time to get the inspection done and let me know there were issues. If they had done this, I would have stayed with my current carrier. They made money off of me because they did not follow my request or follow procedures for issuing a new policy to a homeowner. I want to make others aware to be careful when they deal with this business. Thanks for your help in this matter.

Initial Business Response /* (1000, 6, 2015/06/11) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@allstate.com
This was a very rare and unfortuanate circumstance. We are in the business of insurance and it does us no good if we end up losing business...

such as what happened with this consumer. We are rated with our carrier as a "Premier Service Agency" meaning that we have to earn this title by keeping our cusotmers satisfied which we have done and continue to do over many years.
Insurance Companies do have a right to inspect property that they are insureing. Our initial binder of coverage allows for 60 days of coverage so the carrier can inspect as well as review any type of reports, etc. that are pertinent to the said property and consumer. In most cases, there is no problem-but in this cases there were some inspection issues that the consumer was informed about and was given a chance to repair but the consumer refused. We informed the consumer that per the application-the policy would be terminated as specified in the application unless she did the repairs. We also gave her an option with several other plans as well that would have provided her coverage but she refused. So pursuant to the Application she signed the policy terminated after the 60 day period.
The consumer at that point requested that her Auto Policy be terminated-although there was no issue with the policy and it was saving her money. So pursuant to NC State law, the applicable "short rate" penalty was applied since it was terminated mid-term. Therefore, we will not be able to refund any addtional monies due to NC State Insurance Regulations.
We do everything in our power to make the purchase of insurance a pleasant experience and we are sincerely sorry for this experience this consumer had with us. We have many satisfied customers with our Agency and this is truely not a typical situation.
Initial Consumer Rebuttal /* (3000, 8, 2015/06/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I talked with the Rep, I only needed the auto insurance since it would expire on April 7, 2015. My mortgage company had already paid for my homeowners insurance for one year which would not expire until August 2015. However, [redacted] took it upon themselves to switch my homeowners insurance at the same time they switched my car insurance. They did not follow the instructions I gave them. This caused a problem with my mortgage company because they said this made me not have enough in my escrow account. I had to make a special trip to my former home owner insurance and request a check for the time difference. If [redacted] would have followed my instructions and not start homeowners until August 2015, they would have had plenty of time to get the inspection done and let me know there were issues. If they had done this, I would have stayed with my current carrier. They made money off of me because they did not follow my request or follow procedures for issuing a new policy to a homeowner. I want to make others aware to be careful when they deal with this business. Thanks for your help in this matter.

To Revdex.comFr: Chris J[redacted]      Chris Just & Associates LLC Re: Complaint ID #[redacted] To whom it may concern, Upon receiving the email from Mr. [redacted] on January 10th, 2018, I promptly emailed him back with information to try to get him to stay with Allstate since his renewals were...

not until 2/1/2018.  However, he never responded until March 2nd in which he reiterated his desire to terminate-which we then took care of and we backdated the cancellation to the 2/1/2018 date for both policies.  Refund for his Auto policy was sent back to his credit card on 2/21/2018. Refund for his Home Policy was sent 3/2/2018. We strive to take care of our customers, even if they are leaving, and we apologize for any miscommunication there may have been.  Best Regards, Chris J[redacted]Agency OwnerChris Just & Associates LLCAllstate Insurance Co.[redacted]
[redacted]336-766-6464

In regards to the complaint filed by [redacted]:  [redacted] has never had an Auto Policy with this Agency.  However, her daughter, [redacted] was a customer of ours during this time period.  Due to privacy concerns and regulations in which we are not allowed to share information...

without consent, I cannot divulge any additional information without [redacted]'s written consent.  Once we receive that, I would be more than happy to answer your questions and clear up any misunderstandings.  We have had very few complaints via the Revdex.com or through [redacted].  One of the reasons for that, I believe, is that my Agency staff and I make every effort to help our customers and to keep them satisfied!  We have won numerous Customer Satisfaction Awards and one I am very proud of is to be designated as a [redacted] "Premier Service Agency" which is only awarded to the top Agencies that get good customer satisfaction surveys, as well as other measurements in the customer experience.  So we take customers concerns very seriously!  Best Regards, Chris J[redacted] Agency Owner

There is no paperwork or clarification from me concerning [redacted] because I have not conducted any business with them cconcerning my car insurance. They have not provided me any information about why they even have or had access to my vehicle or why they presumed that they were given authorization to do anything with my vehicle insurance. I am and have been continuously insured with [redacted] on that particular vehicle. You can call [redacted] and confirm this