As I stated in my previous response to [redacted] , the repair estimate that was provided to me by Logan was not communicated to me as an "initial estimate" and, in fact, he stated that since it was below the $threshold, it would not impact my insurance rates [redacted] said that she regrets that my experience was not what I expected - that is because it was communicated to me that it would not impact my insurance Nationwide absolutely mislead me and completely mishandled this process - and sadly to their own customer Nationwide has yet to treat me as a customer throughout this process and has unwilling to admit any mistake or fault in misleading me Nationwide has the ability and should ensure me that this incident will not impact my insurance rates due to providing me with incorrect information, failure to follow up, and for misleading me.Regards, [redacted]
You repeat “no evidence” without looking into evidence I provided and completely ignored my questionsPlease provide point-by-point responses to my previous email(March 18) For your convenience I copy/paste it below About the photo Ø I( [redacted] ) do not see any color at arrowheads pointed damage spots YES or NO Ø I( [redacted] ) do see faint brownish red color at arrowheads pointed damage spotsYES or NO About the voice record(around 11am Dec 31,2014) interpreter: nationwide will cover repair and expense ? Natioinwide: ntionwide drive in .and fix it interpreter: so nationwide is going to cover those ? Nationwide: Yes! Ø I( [redacted] ) couldn’t hear anything YES or NO Ø I( [redacted] ) do hear it but that piece of record does not match the record made at our side so I don’t trust it YES or NO About bodyshop estimate Ø It’s and correct process when Nationwide handle claims to let bodyshop to document customer pay zero and insurance cover 100% repair cost YES or NO Looking forward to hearing from you soon Thanks, [redacted] April 2,
Pursuant to our discussion on December 9th, Nationwide has an obligation to investigate the First and Third party claims deriving from this accident As a Casualty Claims Manager, I am responsible for reviewing and providing direction as it relates to the Third party claim As you are aware, our insured was operating a golf cart at the time of this loss when their was a collision between the golf cart and a parked automobile The collision caused damage to golf cart as well as the automobile As indicated in Tim Jones letter to your agency on November 24th, there will be no applicable coverage for damage to the golf cart However, after further review, we have determined that we will extend liability coverage for this loss This decision will supersede our prior decision regarding a denial of liability coverage Furthermore, we have communicated our decision to the insurance carrier for the parked car Should have any questions or wish to discuss the matter further, please feel free to contact me at ###-###-#### or [redacted] Sincerely, [redacted]
[redacted] [redacted] [redacted] ** [redacted] [redacted] This policy was originally written on December 13, and cancelled April 6, with only three payments being made; one was the down payment of $114.68, the second payment of $was set up to draft but came back insufficient funds [redacted] did go into the Nationwide office of agent [redacted] and pay $to replace the returned Electronic Fund Transfer then Nationwide drafted $on February 14, 2014, which included the $plus the balance of the returned item fee of $ During this time [redacted] inquired about adding her daughter, who would be listed as an “Inexperienced Operator”, to the policy, at the time she only had one vehicleWhen Nationwide quoted adding her daughter she would be considered an occasional driver; however, at the time she added her daughter she also added a vehicle, thus changing the “Inexperienced Operator” from occasional to principal driver, changing the premium for that addition along with another the vehicle Nationwide added her daughter and vehicle, but did not bill for the addition until the March payment Agent [redacted] ’s office advised [redacted] that in order to remove the daughter from the policy Nationwide would require proof that her daughter turned in her license or proof that she had insurance elsewhere When [redacted] 's daughter was licensed on February 10, 2014, she was added as a driver to the policyA second vehicle was added to the policy on March 6, 2014, and her daughter was changed to a principal operator which carries a higher rate than an occasional operatorJust as [redacted] was advised her daughter could be removed by either turning in her driver’s license or verifying that she had insurance with another carrierIf she moved out of the household, her proof of residency would have to be verifiedAs none of this documentation was received, the daughter remained on the policy as a driver until the cancellation date of April 6, When a Nationwide agent provides a quote on an existing policy, the insured is informed that it is an estimate Once the quote is released and goes to processing, the agents have no control over pricingIn this case, the difference in quoted price was the difference from occasional to principal driver, plus adding a vehicleAgent [redacted] ’s office apologized for the difference in amount and explained to her that the rates that are given out when change is being made are an estimate only Sincerely, [redacted] Nationwide ###-###-#### [redacted]
This letter is in response to [redacted] ’s recent inquiryAs previously stated, the offer listed below is Nationwide’s settlement offer for [redacted] ’s totaled vehicleTo date, we have not been provided with any materials which would support any change to our settlement value Our settlement is: Actual Cash Value = $5,Condition Adjustment + $Total ACV = $5,Sales Tax + $Title Fee + $Subtotal = $5,Allowance for Rental +$Total Settlement Offer = $6, Please let me know if you need anything further Sincerely, [redacted]
I am in receipt of your correspondence dated March 11, 2015, addressed to the Office of Customer Advocacy, regarding [redacted] I will be happy to respond to the concerns of our member.In her statement of the problem, [redacted] would like the premium owed waived due to the information received when requesting to cancel the auto policy.On February 6, 2015, a billing statement was sent showing the renewal payment and the prior term balanceThis statement included the premium owed for adding a vehicle to the policy in January after the January bill was sent.On February 17, 2015, [redacted] contacted our service department and asked to cancel the auto policy effective February 19, At that point there was a prior term amount owed of $70.60, $late fee, $service fee and $for the two days beyond the due dateThis was billed along with a second late fee making the new billed amount $[redacted] did ask how much would be owed after the cancellation and was informed that nothing would be dueThis response was in errorWe are clearing the balance owed due to this error and have provided feedback to our management team.I apologize for any inconvenience this may have caused.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call [redacted] , Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at [redacted] Sincerely, [redacted] Nationwide Insurance###-###-#### [redacted]
This letter is in response to [redacted] ’s additional questions from 12/22/In his statement [redacted] suggests that we valued his vehicle in a lesser condition due to viewing it after the lossThis is not the case as [redacted] ’s van was valued in Average Private/Dealer RetailThere were not any deductions taken for the condition of the van CCC Valuescope was able to locate similar comparable vehicles which they used in researching the value of the Chevrolet van with the conversion packageThe value did take into account all of the options that this vehicle had including body side moldings and the rear step bumperThe value add of these options is minimal due to the age of the vehicle but are considered within the overall value CCC Valuescope did review the comparables that [redacted] submitted along with their own comparablesWhen taking all of the comparables that were submitted into consideration there was not an increase in valueCCC Valuescope also conducted additional research by obtaining two dealer quotesThey contacted two dealerships in North Carolina and provided all of the totaled vehicles options, condition, mileage, etcand were given two valuesThe first value was $5,and the second was $5,The offer that has already been extended to [redacted] was higher than the dealer quotes so we have continued to honor that To date I don’t see where a rental vehicle has been requested however Nationwide is more than happy to provide a rental for a reasonable amount of timeIf [redacted] is interested in getting into a rental vehicle we would be more than happy to set that up for him Sincerely, [redacted]
I do not accept this response as the last traffic violation I received was a conviction on 10/11/for speedingI have not received any violations for traffic lightMy premium increased in which would be understandable for the violationBut no new violations were incurred between prior to my renewal Also the representative that informed a written cancellation notice was required to cancel my policy DID NOT explain the short rate cancelation procedure to meIf she had I would have wait until my next renewal to cancel my policy Regards, [redacted] ***
[redacted] *** [redacted] [redacted] *** [redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his Volkswagen Sincerely yours, [redacted] Phone: ###-###-####
[redacted] I read ur message to the reply the insurance company sent youI'm upset they didn't tell u everythingYes they did right by me at first by send me a check right out for the body work but when [redacted] contacted ***(the adjuster for the supplement)an told her the fifth wheel was no good an need to repl [redacted] an the price from freightliner which was $she told him that she was not pay that that they would have to put a used one on [redacted] tried to find one but no one else would sell a used one on r put a used one on since the fifth wheel caused the claim in the first pl [redacted] the trailer came halfway off at 5mph an caused this much damage no one wanted to take liability for a used oneWell this kept going on for weeks [redacted] finally told [redacted] that this was taking to long and this is someone lively hood an I was still making payments so he was just going to take one off their trucks an send her an invoice [redacted] kept telling [redacted] she didn't get it an then she finally told him the invoice need to be from someone else he told her he couldn't do it because it's their fifth wheel after that she didn't respond to me r him no moreI have texts an can get phone records where I tried contacting her I left [redacted] messages that she never returnedAlso you can contact [redacted] at [redacted] insurance company they r the agency that sold me the policy they called them a few time an they just gave him the run around an when the last time I talked to [redacted] he told me he was scratching his head on why they was taking the risk of putting a used fifth wheel on an why this was taking so longI told him I was thinking about contacting the Revdex.com an he told me I should because this wasn't adding upMean while since [redacted] was answering his phone calls r returning messages [redacted] contacted [redacted] an sent the invoice directly to himI got the truck finally yesterday evening after monthsIf they would have just did the right thing the truck would have been out by the latest of the 1st of DecemberThat is why I say they should pay a month for insurance, down time,an full responsibility for a used fifth wheel if something happens r someone accidentally killedI was traveling at 5mph when the fifth wheel broke an trailer came halfway off an I had slam on my breaks to keep the trailer for coming all the way off the truck if I would have been on the highway at much faster speed someone would have been killed this Is a big big deal I'm so blessed that why I'm say [redacted] an me r anyone else but the insurance company National casualty insurance company should be held liable for if something bad happensI really thought insurance was about safety they preach it but a the took this long because they want to pay for a used fifth wheel but not a new an then still didn't want to except the invoice on a used that ***(their adjuster) who wanted a used one onI talked to [redacted] for about weeks an left messages say it didn't make no sense that this was taken so long over a fifth wheel an that we was already blessed that no one was hurt an killed over this claimI don't know if they record their phone calls but if they do u will hear me tell him that several times Contacts for you ***: (w)###-###-#### (Cell)###-###-#### [redacted] : (w)###-###-#### [redacted] insurance company This are the other people u can contact so u can hear they story not minds Thanks: [redacted]
[redacted] *** [redacted] [redacted] [redacted] ** [redacted] Thank you for your follow up regarding a complaint you received from [redacted] We have reviewed the concerns of the customer and previously provided a response outlining our coverage decision At this time, our position has not changed from our original response Again, thank you for bringing this matter to our attention I hope this resolves any pending concerns Sincerely, [redacted] Nationwide Mutual Insurance Company ###-###-####-#### [redacted]
[redacted] *** [redacted] [redacted] ** Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his Volkswagen Sincerely yours, [redacted] Phone: ###-###-####
Once again, I never said that I cancelled my previous policy to take Allieds policy What I did say is that I had a homeowners insurance policy in tact when I purchased my home and I would have gone back to the same company to get insurance again (I wanted to have coverage for my air conditioning units) except that when I told [redacted] (my insurance agent) that I was looking into getting another home owners policy, [redacted] told me that they had a new policy to offer me that WOULD cover my air conditioning units [redacted] also told me that the policy was so new that there wasn't a brochure or information to give to me and said that I would get information soon and took the policy out for me, himself and another person in his office as they wanted this great coverage too Once again, Allied is trying to divert attention from the issue, which is their agent told me it was covered This has nothing to do with my other homeowners policy, this has to do with what Allied told me was covered Additionally, I provided the brochure to show that air conditioning units are covered (at their request.) This tactic of diverting attention from the real issue, which is misrepresentation of a product, is really unprofessional and shady I have already provided written documentation about [redacted] telling me that he misrepresented the policy when he sold it to me Honor what your agents are selling to customers Allied Regards, [redacted] ***
This is in response to Nationwide’s March 16, answer to my complaint The response, as submitted by Nationwide includes numerous errors and misleading statements, and fails to address the underlying issue: an incompetent and unethical agent(s); [redacted] *** Point by point response: (1) Misleading timeline – The response makes it look like it was a “new” policy This is highly misleading I was with Nationwide from years old to 18(on my parents policy) and had my own policy from years old to (current age) with Nationwide In 2014, my long-time agent left due to the death of her husband, and [redacted] took over as the Agent Prior to [redacted] ***, I never had issues with Nationwide As a Nationwide customer for years, I was surprised when [redacted] issued me a “new” policy with a different due date in April of My due date and automatic payment was always the 7th of each month Nationwide always made sure the required payment was ALWAYS deducted before the insurance was put in place(2) April 21, to October 21, – Since I purchased my Chevrolet truck in 2013, I was always insured by Nationwide until I cancelled my policy in October due to extremely poor service and numerous agent errorsPrior to October 2014, at no time did I cancel my vehicle insurance on my Chevy truck or my Chevy truck Furthermore, I was NEVER late on my monthly premium as Nationwide automatically deducted it from my checking account Thus, their statement that the April 21, policy only included my Chevy truck is due to their incompetent agent removing the WITHOUT my authorization As Nationwide records all conversations AND keeps records of cancellations, they need to provide evidence that I cancelled my coverage However, this is not possible since at no time did I either fail to pay my policy on the Chevy or cancel it Instead, the Nationwide agent failed to include it on a “new” policy that should never have been issued(3) April 30, 2014/May 27, 2014/June 27, – I had to contact Nationwide on numerous occasions to try to correct my policy and have them add back my Chevy truck Nationwide even notified the [redacted] Dept of Transportation that my insurance was cancelled on my Chevy truck even though I ALWAYS paid my premium and NEVER cancelled the Chevy truck from my policy Again, this was a result of an incompetent Nationwide agent As Nationwide records all conversations AND provides cancellation notices, require them to show that I NEVER cancelled my policy on ANY of my vehicles, prior to October However, they cannot provide this as I NEVER asked for my Chevy truck to be removed from my policy The ONLY “documentation” they provided in their response was copies of the INCORRECT transactions that reflect the incompetence of their Agent(s) The extremely poor service and misleading/statements is further illustrated by the “addition” of a “New Homeowner” discount on May 27, 2014, effective April 21, At NO time did I EVER request a “New Homeowner” discount as I NEVER have owned a home I am years old, single, and a college student The statement on June 27, 2014, that this discount was removed due to Nationwide not receiving the required documents to support the discount is a total fabrication The reason they removed it was due to AGENT ERROR, not that I failed to submit the required documents I find this response by Nationwide to be highly unethical to falsely claim I failed to submit a document instead of stating the truth- The agent screwed-up Again, as Nationwide records all conversations and keeps records, they need to provide evidence (written documents or a voice recording) where I EVER requested a homeowners discount AND failed to submit the required documents No records exists as this is totally a and misleading accusation by Nationwide May 27, – Nationwide states they combined my policies to provide me a multi car discount policy Again, I always insured both vehicles thru Nationwide It was the Nationwide agent that decided to take one of my vehicles and insure one in [redacted] and the other in *** I have always been a resident of *** I only go to college in *** This was NEVER an issue until the new agent decided to split my policies In June of 2014, I was able to get the coverages transferred back to a [redacted] policy June 8, June 27, July 5, July – Any reasonable person would conclude, if you review the changes, as provided by Nationwide in their Revdex.com complaint response, that they make no sense Per Nationwide’s response: On June 8, I reportedly requested my to be placed in storage However, about weeks later (June 27), I am requesting the insurance coverage be restored, effective June 8(effectively resulting in full coverage over the period covered) on the same truck On July 5, I reportedly requested all coverage on my Chevy truck be removed (except for comprehension), effective June However, about weeks later, I am again calling to reinstate coverage, effective June 27(effectively resulting in full coverage over the period covered) on the same truck The above makes no sense Why would I be requesting reduced coverage and weeks later requesting it be restored to the effective date that it was reduced????? I am a full-time student with a full-time job Does it make sense that I would be spending my “spare” time calling Nationwide to take coverage off and adding the same coverage back weeks later on both vehicles???? What did occur was the transmission went on my Chevy This was the vehicle that should have been put in storage The Agent kept screwing up the requested coverage Why would I want or why would anyone want insurance coverage (other than the bare minimum) on a truck that cannot be run???? Again, it is unethical for Nationwide to provide a response that looks like I had nothing better to do than call to reduce coverage & later increase it back to the same effective date weeks later on two different vehicles??? Nationwide’s statement that I contacted them on June 26, due to having “concerns with being able to pay my bill on time” This is a statement At no time did I EVER have problems paying my bill on time At NO time did I EVER make a late payment with Nationwide The reason for the change in payment dates was to correspond to the day of the month (the 7th) that corresponded to my policy due date that was in effect for at least the past years It is HIGHLY unethical to imply that I had concerns with being able to pay my bill on time As Nationwide records all phone conversations, they need to supply the audio or written documentation that shows that I was having problems with paying my bill and that I requested a payment due date change due to my concerns with paying my bill Again, this is a fabricated response to cover up the fact that their agent screwed up on setting the correct due date and providing the correct coverage as I requested Nationwide’s statement “*Nationwide did not receive a down payment on April 21, The first payment received was in June 2014” is incorrect As stated previously, Nationwide had authorization and continued to deduct on the 7th of EVERY month the REQUIRED payment for insurance coverage In fact, Nationwide deducted $on April 7, directly from my checking account Furthermore, no insurance company begins a “new” policy WITHOUT first receiving payment from the insured Finally, Nationwide’s claim that they experienced a “system error” that caused the Declarations pages to read the renewal date of June 8, to December 8, as the policy term dates instead of the actual term date is a total fabrication Any reasonable person knows garbage in, garbage out It is NOT the computer that screwed up, it is the Agent that put the information into the computer Again, it is unethical of Nationwide to cover up for one or more incompetent employees and blame the computer I find it totally preposterous to believe a multi-billion dollar insurance company has a computer that generates incorrect renewal dates In summary, my experience with Nationwide reflected an unbelievable amount of errors by their agent(s) However, at no time will Nationwide EVER admit that it was an Agent error Instead, they would like everyone to believe that it was a combination of a deadbeat policyholder and the failure of their computer system to generate correct renewal dates My only error was believing “Nationwide is on your side” Their true corporate philosophy is apparently “The customer is always wrong” and “If all else fails, blame the computer” Very Disgruntled (Former) Nationwide Policyholder [redacted] *** Please provide my response to Nationwide so they can furnish my recorded telephone conversations of intended coverage, make the necessary adjustments to my account, and forward to me my REFUND Nationwide owes me My alternative is to further pursue my claim against the Nationwide agent through the local [redacted] magistrate system for the refund Nationwide owes and has failed to pay I would also like an apology from Nationwide for making the and unethical statements to a public entity inferring that I was having payment problems
Thank you for the opportunity to respond to [redacted] ’s inquiryPer notes from the [redacted] , the named insured, [redacted] went to the agency 12/9/to obtain a quote for auto insurance The payment plan [redacted] chose when he decided to bind coverage was the EFT pay plan This plan required a down payment of 25% of the term premium, which was $On 1/12/2015, [redacted] phoned the agency to remove a vehicle from his policy The policy premium decreased as a result of this changeOn 1/20/2015, there was a premium increase to the policy Victoria Automobile Insurance mailed [redacted] a letter dated 12/9/requesting documentation that an incident from 11/15/under driver 2, [redacted] was a “not at-fault” accidentThe requested information was not received, so the policy points were changed and backdated to the inception dateThe agency staff discussed this with [redacted] , and he appeared to understand why the policy increasedOn 1/27/2015, [redacted] went to the agency to sign a cancellation requestPrior to making the decision to cancel, he called and inquired about the cancellation processAt that time, he was informed that a mid-term cancellation would be subject to short-rating according to company guidelinesHe asked for further details regarding why and how this is calculated, and the agency explained After several conversations with the agency staff about the process, [redacted] elected to cancel his policy effective 1/27/The agency monitored the policy to ensure the cancellation processed timely On 2/11/2015, they called [redacted] to advise he would receive a refund of $The agency preemptively informs their clients of the possibility of a balance after cancelling the policy mid-term Short-rate cancellations are not processed at a agency level so there is no way for the agency to know if the clients will receive a bill or a refund until the cancellation is processedThe agency felt they maintained a good agent-client relationship with [redacted] and kept him informed of policy changesEnclosed is a copy of the SC policy which outlines the short-rate process for mid-term cancellations If you have any further questions, please contact our Customer Relations at ###-###-####.Sincerely, [redacted] Centralized Sales Operations Nationwide ###-###-#### [redacted]
Dear [redacted] This letter is in response to the inquiry received from your office on February 4, As you know, the claim process is fluid and many times the initial estimate does not account for all the damages sustained in an accident That was the case in this instance After the car was torn down additional damage was identified and accounted for by the shop We advised our insured in the initial conversation of the original estimate as well as the $1,threshold under [redacted] regulation We completely understand [redacted] ’s concern; however, our adjuster could not speak to the final damage assessment until the car was torn down and all the damages were assessed We regret that it was his understanding that he would not be surcharged; however, our process was compliant with [redacted] regulation A follcall was made to our insured on November 18, 2014, and it was during that conversation we spoke to the change in the expected claim payout At this time, our insured was informed the total damages caused as a result of the loss were in fact over $1,000, which would result in notification of the statutory threshold being pierced As stated previously, pursuant to [redacted] statute, our insured was notified in writing that this loss was considered an at-fault accident resulting in property damage in excess of $1, The at-fault determination was made based on the [redacted] Code of Regulations Section that took effect on December 11, The repair estimate for the other vehicle was sent to our insured, per his request, with the other party’s private information deleted It is not our typical process to share this information, as we handle the claim on our insured’s behalf We did deliver this information per his request We did not initially inspect our insured’s vehicle, as he was not making any claim for damages When our insured disputed the damages paid for the other party’s vehicle, we did offer to have management review the settlement amount During that review, they followed up with our insured and both agreed that it would be best to inspect the insured’s vehicle as part of that review process After the review and inspection of our insured’s vehicle, it was determined the payout for the other party’s vehicle was appropriate The damages were consistent with the impact Since the total known damages are over $1,000, our insured driver was found to be principally at fault for the loss as outlined in the [redacted] regulations Again, we regret our insured’s experience was not what he expected If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] Western Claims Zone Nationwide Insurance Company of America Phone: ###-###-#### Email Address: [redacted]
Dear [redacted] : This letter is in response to the inquiry received from your office on March 25, This letter contains the correct Office of Customer Advocacy Number (OCA) Our previous letter listed this number incorrectly At this time, we have not received any new information that would alter our previous liability decision As such, we are unable to change our prior liability decision where we agreed to pay 70% of [redacted] ***'s damages Please note that we called [redacted] on March 18, to further discuss the basis of our decision; unfortunately, we were not able to reach an agreement with herThis is a case of disputed liability where we feel [redacted] shares in the responsibility for this accident If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] Western Claims Zone Nationwide Insurance Company of America Phone: ###-###-#### Email Address: [redacted]
Thank you for the opportunity to respond to Mr [redacted] ’s inquiry Per notes from the [redacted] Agency, Mr [redacted] called the agency about his insurance premium increase at renewal On 3/3/15, [redacted] re-quoted his auto policy, and the new premium was $less for six months [redacted] called and left the new price on Mr [redacted] ’s answering machine The insured came into the agency on 3/25/and said he had not heard back from the agency about lowering his premium At that time, [redacted] went over the new quote with himMr [redacted] advised he found lower rates at [redacted] and decided to cancel his home and auto policies effective 3/25/ [redacted] asked him to sign the cancellation form, and she submitted the request on 3/25/ When the insured inquired about a collection bill for $51.21, [redacted] explained that he was being charged a short-rate penalty because he cancelled his policy mid-term On 4/8/15, Mr [redacted] asked if Nationwide could adjust the cancellation date because he secured coverage with [redacted] effective 3/21/ [redacted] requested a copy of the [redacted] policy showing the effective date of 3/21/15, which is required by Nationwide to amend a cancellation dateThis change was processed and reduced his collection amount to $ [redacted] also states that her dealings with Mr [redacted] have always been professional If you have any further questions, please contact our Customer Relations at ###-###-#### Sincerely, [redacted]
v\: [redacted] o\: [redacted] w\: [redacted] Dear: [redacted] This letter is in response to your request for information pertaining to the above file Our records indicate the renewal date on the Auto policy was December 1, The policy was cancelled effective January 2, as a request from [redacted] *** A total of $was charged for coverage provided for the time frame mentioned above There were no payments received towards the December renewal which left a balance of $ A $ installment fee was charged when the March 10, bill was sent This resulted in a total of $due for coverage provided during the above time frame On April 7, a Final Bill was sent for $due by April 26, There was no payment received and a Payment Notice was mailed on April 28, to advise there was still a balance due for coverag provided The following documents have been attached for your review: Billing Breakdown Final Bill Payment Notice Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext [redacted] or my email address is [redacted] Sincerely, [redacted] / [redacted] Style Definitions */
[redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number ##### for [redacted] and to address her concerns about the policy On 10/16/2011, [redacted] purchased a six month insurance policy with a bill plan of 20% down and installments ? On 11/30/installment bill was issued to [redacted] with an amount due of $with a stated due date of 12/15/On 12/15/we had not received payment and a cancel pending notice was sent to [redacted] with a stated cancellation date of 1/8/On 1/8/we still had not received payment and [redacted] ***s policy canceled per the 12/15/noticeAt the time of cancel on 1/8/2012, a balance of $remained due in premium and fees ? On 7/30/a payment was received via USPS for $5.00, leaving a balance due of $On 6/12/payment was received via USPS for $36.00, leaving a balance due of $We have not received any other payments since 6/12/ On 10/24/a complaint was received from [redacted] advising that she should not have any amount due and she was upset that $was in a collections statusAs a courtesy the remaining $was removed from [redacted] ***’s account and said account currently shows $due [redacted] questioned other payments that she issued to our company and she was advised of all payments that were received and applied to her accountIf [redacted] states that check payments were submitted to our company and have cleared, we would require a copy of the front and back of each check used for payment to confirm they were issued and were deposited and cashed by our representativeAny expense that [redacted] would accrue to obtain this information would be her responsibility ? I trust that I have addressed the issues within [redacted] ***’s complaintIf I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]
As I stated in my previous response to [redacted] , the repair estimate that was provided to me by Logan was not communicated to me as an "initial estimate" and, in fact, he stated that since it was below the $threshold, it would not impact my insurance rates [redacted] said that she regrets that my experience was not what I expected - that is because it was communicated to me that it would not impact my insurance Nationwide absolutely mislead me and completely mishandled this process - and sadly to their own customer Nationwide has yet to treat me as a customer throughout this process and has unwilling to admit any mistake or fault in misleading me Nationwide has the ability and should ensure me that this incident will not impact my insurance rates due to providing me with incorrect information, failure to follow up, and for misleading me.Regards, [redacted]
You repeat “no evidence” without looking into evidence I provided and completely ignored my questionsPlease provide point-by-point responses to my previous email(March 18) For your convenience I copy/paste it below About the photo Ø I( [redacted] ) do not see any color at arrowheads pointed damage spots YES or NO Ø I( [redacted] ) do see faint brownish red color at arrowheads pointed damage spotsYES or NO About the voice record(around 11am Dec 31,2014) interpreter: nationwide will cover repair and expense ? Natioinwide: ntionwide drive in .and fix it interpreter: so nationwide is going to cover those ? Nationwide: Yes! Ø I( [redacted] ) couldn’t hear anything YES or NO Ø I( [redacted] ) do hear it but that piece of record does not match the record made at our side so I don’t trust it YES or NO About bodyshop estimate Ø It’s and correct process when Nationwide handle claims to let bodyshop to document customer pay zero and insurance cover 100% repair cost YES or NO Looking forward to hearing from you soon Thanks, [redacted] April 2,
Pursuant to our discussion on December 9th, Nationwide has an obligation to investigate the First and Third party claims deriving from this accident As a Casualty Claims Manager, I am responsible for reviewing and providing direction as it relates to the Third party claim As you are aware, our insured was operating a golf cart at the time of this loss when their was a collision between the golf cart and a parked automobile The collision caused damage to golf cart as well as the automobile As indicated in Tim Jones letter to your agency on November 24th, there will be no applicable coverage for damage to the golf cart However, after further review, we have determined that we will extend liability coverage for this loss This decision will supersede our prior decision regarding a denial of liability coverage Furthermore, we have communicated our decision to the insurance carrier for the parked car Should have any questions or wish to discuss the matter further, please feel free to contact me at ###-###-#### or [redacted] Sincerely, [redacted]
[redacted] [redacted] [redacted] ** [redacted] [redacted] This policy was originally written on December 13, and cancelled April 6, with only three payments being made; one was the down payment of $114.68, the second payment of $was set up to draft but came back insufficient funds [redacted] did go into the Nationwide office of agent [redacted] and pay $to replace the returned Electronic Fund Transfer then Nationwide drafted $on February 14, 2014, which included the $plus the balance of the returned item fee of $ During this time [redacted] inquired about adding her daughter, who would be listed as an “Inexperienced Operator”, to the policy, at the time she only had one vehicleWhen Nationwide quoted adding her daughter she would be considered an occasional driver; however, at the time she added her daughter she also added a vehicle, thus changing the “Inexperienced Operator” from occasional to principal driver, changing the premium for that addition along with another the vehicle Nationwide added her daughter and vehicle, but did not bill for the addition until the March payment Agent [redacted] ’s office advised [redacted] that in order to remove the daughter from the policy Nationwide would require proof that her daughter turned in her license or proof that she had insurance elsewhere When [redacted] 's daughter was licensed on February 10, 2014, she was added as a driver to the policyA second vehicle was added to the policy on March 6, 2014, and her daughter was changed to a principal operator which carries a higher rate than an occasional operatorJust as [redacted] was advised her daughter could be removed by either turning in her driver’s license or verifying that she had insurance with another carrierIf she moved out of the household, her proof of residency would have to be verifiedAs none of this documentation was received, the daughter remained on the policy as a driver until the cancellation date of April 6, When a Nationwide agent provides a quote on an existing policy, the insured is informed that it is an estimate Once the quote is released and goes to processing, the agents have no control over pricingIn this case, the difference in quoted price was the difference from occasional to principal driver, plus adding a vehicleAgent [redacted] ’s office apologized for the difference in amount and explained to her that the rates that are given out when change is being made are an estimate only Sincerely, [redacted] Nationwide ###-###-#### [redacted]
This letter is in response to [redacted] ’s recent inquiryAs previously stated, the offer listed below is Nationwide’s settlement offer for [redacted] ’s totaled vehicleTo date, we have not been provided with any materials which would support any change to our settlement value Our settlement is: Actual Cash Value = $5,Condition Adjustment + $Total ACV = $5,Sales Tax + $Title Fee + $Subtotal = $5,Allowance for Rental +$Total Settlement Offer = $6, Please let me know if you need anything further Sincerely, [redacted]
I am in receipt of your correspondence dated March 11, 2015, addressed to the Office of Customer Advocacy, regarding [redacted] I will be happy to respond to the concerns of our member.In her statement of the problem, [redacted] would like the premium owed waived due to the information received when requesting to cancel the auto policy.On February 6, 2015, a billing statement was sent showing the renewal payment and the prior term balanceThis statement included the premium owed for adding a vehicle to the policy in January after the January bill was sent.On February 17, 2015, [redacted] contacted our service department and asked to cancel the auto policy effective February 19, At that point there was a prior term amount owed of $70.60, $late fee, $service fee and $for the two days beyond the due dateThis was billed along with a second late fee making the new billed amount $[redacted] did ask how much would be owed after the cancellation and was informed that nothing would be dueThis response was in errorWe are clearing the balance owed due to this error and have provided feedback to our management team.I apologize for any inconvenience this may have caused.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call [redacted] , Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at [redacted] Sincerely, [redacted] Nationwide Insurance###-###-#### [redacted]
This letter is in response to [redacted] ’s additional questions from 12/22/In his statement [redacted] suggests that we valued his vehicle in a lesser condition due to viewing it after the lossThis is not the case as [redacted] ’s van was valued in Average Private/Dealer RetailThere were not any deductions taken for the condition of the van CCC Valuescope was able to locate similar comparable vehicles which they used in researching the value of the Chevrolet van with the conversion packageThe value did take into account all of the options that this vehicle had including body side moldings and the rear step bumperThe value add of these options is minimal due to the age of the vehicle but are considered within the overall value CCC Valuescope did review the comparables that [redacted] submitted along with their own comparablesWhen taking all of the comparables that were submitted into consideration there was not an increase in valueCCC Valuescope also conducted additional research by obtaining two dealer quotesThey contacted two dealerships in North Carolina and provided all of the totaled vehicles options, condition, mileage, etcand were given two valuesThe first value was $5,and the second was $5,The offer that has already been extended to [redacted] was higher than the dealer quotes so we have continued to honor that To date I don’t see where a rental vehicle has been requested however Nationwide is more than happy to provide a rental for a reasonable amount of timeIf [redacted] is interested in getting into a rental vehicle we would be more than happy to set that up for him Sincerely, [redacted]
I do not accept this response as the last traffic violation I received was a conviction on 10/11/for speedingI have not received any violations for traffic lightMy premium increased in which would be understandable for the violationBut no new violations were incurred between prior to my renewal Also the representative that informed a written cancellation notice was required to cancel my policy DID NOT explain the short rate cancelation procedure to meIf she had I would have wait until my next renewal to cancel my policy Regards, [redacted] ***
[redacted] *** [redacted] [redacted] *** [redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his Volkswagen Sincerely yours, [redacted] Phone: ###-###-####
[redacted] I read ur message to the reply the insurance company sent youI'm upset they didn't tell u everythingYes they did right by me at first by send me a check right out for the body work but when [redacted] contacted ***(the adjuster for the supplement)an told her the fifth wheel was no good an need to repl [redacted] an the price from freightliner which was $she told him that she was not pay that that they would have to put a used one on [redacted] tried to find one but no one else would sell a used one on r put a used one on since the fifth wheel caused the claim in the first pl [redacted] the trailer came halfway off at 5mph an caused this much damage no one wanted to take liability for a used oneWell this kept going on for weeks [redacted] finally told [redacted] that this was taking to long and this is someone lively hood an I was still making payments so he was just going to take one off their trucks an send her an invoice [redacted] kept telling [redacted] she didn't get it an then she finally told him the invoice need to be from someone else he told her he couldn't do it because it's their fifth wheel after that she didn't respond to me r him no moreI have texts an can get phone records where I tried contacting her I left [redacted] messages that she never returnedAlso you can contact [redacted] at [redacted] insurance company they r the agency that sold me the policy they called them a few time an they just gave him the run around an when the last time I talked to [redacted] he told me he was scratching his head on why they was taking the risk of putting a used fifth wheel on an why this was taking so longI told him I was thinking about contacting the Revdex.com an he told me I should because this wasn't adding upMean while since [redacted] was answering his phone calls r returning messages [redacted] contacted [redacted] an sent the invoice directly to himI got the truck finally yesterday evening after monthsIf they would have just did the right thing the truck would have been out by the latest of the 1st of DecemberThat is why I say they should pay a month for insurance, down time,an full responsibility for a used fifth wheel if something happens r someone accidentally killedI was traveling at 5mph when the fifth wheel broke an trailer came halfway off an I had slam on my breaks to keep the trailer for coming all the way off the truck if I would have been on the highway at much faster speed someone would have been killed this Is a big big deal I'm so blessed that why I'm say [redacted] an me r anyone else but the insurance company National casualty insurance company should be held liable for if something bad happensI really thought insurance was about safety they preach it but a the took this long because they want to pay for a used fifth wheel but not a new an then still didn't want to except the invoice on a used that ***(their adjuster) who wanted a used one onI talked to [redacted] for about weeks an left messages say it didn't make no sense that this was taken so long over a fifth wheel an that we was already blessed that no one was hurt an killed over this claimI don't know if they record their phone calls but if they do u will hear me tell him that several times Contacts for you ***: (w)###-###-#### (Cell)###-###-#### [redacted] : (w)###-###-#### [redacted] insurance company This are the other people u can contact so u can hear they story not minds Thanks: [redacted]
[redacted] *** [redacted] [redacted] [redacted] ** [redacted] Thank you for your follow up regarding a complaint you received from [redacted] We have reviewed the concerns of the customer and previously provided a response outlining our coverage decision At this time, our position has not changed from our original response Again, thank you for bringing this matter to our attention I hope this resolves any pending concerns Sincerely, [redacted] Nationwide Mutual Insurance Company ###-###-####-#### [redacted]
[redacted] *** [redacted] [redacted] ** Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his Volkswagen Sincerely yours, [redacted] Phone: ###-###-####
Once again, I never said that I cancelled my previous policy to take Allieds policy What I did say is that I had a homeowners insurance policy in tact when I purchased my home and I would have gone back to the same company to get insurance again (I wanted to have coverage for my air conditioning units) except that when I told [redacted] (my insurance agent) that I was looking into getting another home owners policy, [redacted] told me that they had a new policy to offer me that WOULD cover my air conditioning units [redacted] also told me that the policy was so new that there wasn't a brochure or information to give to me and said that I would get information soon and took the policy out for me, himself and another person in his office as they wanted this great coverage too Once again, Allied is trying to divert attention from the issue, which is their agent told me it was covered This has nothing to do with my other homeowners policy, this has to do with what Allied told me was covered Additionally, I provided the brochure to show that air conditioning units are covered (at their request.) This tactic of diverting attention from the real issue, which is misrepresentation of a product, is really unprofessional and shady I have already provided written documentation about [redacted] telling me that he misrepresented the policy when he sold it to me Honor what your agents are selling to customers Allied Regards, [redacted] ***
This is in response to Nationwide’s March 16, answer to my complaint The response, as submitted by Nationwide includes numerous errors and misleading statements, and fails to address the underlying issue: an incompetent and unethical agent(s); [redacted] *** Point by point response: (1) Misleading timeline – The response makes it look like it was a “new” policy This is highly misleading I was with Nationwide from years old to 18(on my parents policy) and had my own policy from years old to (current age) with Nationwide In 2014, my long-time agent left due to the death of her husband, and [redacted] took over as the Agent Prior to [redacted] ***, I never had issues with Nationwide As a Nationwide customer for years, I was surprised when [redacted] issued me a “new” policy with a different due date in April of My due date and automatic payment was always the 7th of each month Nationwide always made sure the required payment was ALWAYS deducted before the insurance was put in place(2) April 21, to October 21, – Since I purchased my Chevrolet truck in 2013, I was always insured by Nationwide until I cancelled my policy in October due to extremely poor service and numerous agent errorsPrior to October 2014, at no time did I cancel my vehicle insurance on my Chevy truck or my Chevy truck Furthermore, I was NEVER late on my monthly premium as Nationwide automatically deducted it from my checking account Thus, their statement that the April 21, policy only included my Chevy truck is due to their incompetent agent removing the WITHOUT my authorization As Nationwide records all conversations AND keeps records of cancellations, they need to provide evidence that I cancelled my coverage However, this is not possible since at no time did I either fail to pay my policy on the Chevy or cancel it Instead, the Nationwide agent failed to include it on a “new” policy that should never have been issued(3) April 30, 2014/May 27, 2014/June 27, – I had to contact Nationwide on numerous occasions to try to correct my policy and have them add back my Chevy truck Nationwide even notified the [redacted] Dept of Transportation that my insurance was cancelled on my Chevy truck even though I ALWAYS paid my premium and NEVER cancelled the Chevy truck from my policy Again, this was a result of an incompetent Nationwide agent As Nationwide records all conversations AND provides cancellation notices, require them to show that I NEVER cancelled my policy on ANY of my vehicles, prior to October However, they cannot provide this as I NEVER asked for my Chevy truck to be removed from my policy The ONLY “documentation” they provided in their response was copies of the INCORRECT transactions that reflect the incompetence of their Agent(s) The extremely poor service and misleading/statements is further illustrated by the “addition” of a “New Homeowner” discount on May 27, 2014, effective April 21, At NO time did I EVER request a “New Homeowner” discount as I NEVER have owned a home I am years old, single, and a college student The statement on June 27, 2014, that this discount was removed due to Nationwide not receiving the required documents to support the discount is a total fabrication The reason they removed it was due to AGENT ERROR, not that I failed to submit the required documents I find this response by Nationwide to be highly unethical to falsely claim I failed to submit a document instead of stating the truth- The agent screwed-up Again, as Nationwide records all conversations and keeps records, they need to provide evidence (written documents or a voice recording) where I EVER requested a homeowners discount AND failed to submit the required documents No records exists as this is totally a and misleading accusation by Nationwide May 27, – Nationwide states they combined my policies to provide me a multi car discount policy Again, I always insured both vehicles thru Nationwide It was the Nationwide agent that decided to take one of my vehicles and insure one in [redacted] and the other in *** I have always been a resident of *** I only go to college in *** This was NEVER an issue until the new agent decided to split my policies In June of 2014, I was able to get the coverages transferred back to a [redacted] policy June 8, June 27, July 5, July – Any reasonable person would conclude, if you review the changes, as provided by Nationwide in their Revdex.com complaint response, that they make no sense Per Nationwide’s response: On June 8, I reportedly requested my to be placed in storage However, about weeks later (June 27), I am requesting the insurance coverage be restored, effective June 8(effectively resulting in full coverage over the period covered) on the same truck On July 5, I reportedly requested all coverage on my Chevy truck be removed (except for comprehension), effective June However, about weeks later, I am again calling to reinstate coverage, effective June 27(effectively resulting in full coverage over the period covered) on the same truck The above makes no sense Why would I be requesting reduced coverage and weeks later requesting it be restored to the effective date that it was reduced????? I am a full-time student with a full-time job Does it make sense that I would be spending my “spare” time calling Nationwide to take coverage off and adding the same coverage back weeks later on both vehicles???? What did occur was the transmission went on my Chevy This was the vehicle that should have been put in storage The Agent kept screwing up the requested coverage Why would I want or why would anyone want insurance coverage (other than the bare minimum) on a truck that cannot be run???? Again, it is unethical for Nationwide to provide a response that looks like I had nothing better to do than call to reduce coverage & later increase it back to the same effective date weeks later on two different vehicles??? Nationwide’s statement that I contacted them on June 26, due to having “concerns with being able to pay my bill on time” This is a statement At no time did I EVER have problems paying my bill on time At NO time did I EVER make a late payment with Nationwide The reason for the change in payment dates was to correspond to the day of the month (the 7th) that corresponded to my policy due date that was in effect for at least the past years It is HIGHLY unethical to imply that I had concerns with being able to pay my bill on time As Nationwide records all phone conversations, they need to supply the audio or written documentation that shows that I was having problems with paying my bill and that I requested a payment due date change due to my concerns with paying my bill Again, this is a fabricated response to cover up the fact that their agent screwed up on setting the correct due date and providing the correct coverage as I requested Nationwide’s statement “*Nationwide did not receive a down payment on April 21, The first payment received was in June 2014” is incorrect As stated previously, Nationwide had authorization and continued to deduct on the 7th of EVERY month the REQUIRED payment for insurance coverage In fact, Nationwide deducted $on April 7, directly from my checking account Furthermore, no insurance company begins a “new” policy WITHOUT first receiving payment from the insured Finally, Nationwide’s claim that they experienced a “system error” that caused the Declarations pages to read the renewal date of June 8, to December 8, as the policy term dates instead of the actual term date is a total fabrication Any reasonable person knows garbage in, garbage out It is NOT the computer that screwed up, it is the Agent that put the information into the computer Again, it is unethical of Nationwide to cover up for one or more incompetent employees and blame the computer I find it totally preposterous to believe a multi-billion dollar insurance company has a computer that generates incorrect renewal dates In summary, my experience with Nationwide reflected an unbelievable amount of errors by their agent(s) However, at no time will Nationwide EVER admit that it was an Agent error Instead, they would like everyone to believe that it was a combination of a deadbeat policyholder and the failure of their computer system to generate correct renewal dates My only error was believing “Nationwide is on your side” Their true corporate philosophy is apparently “The customer is always wrong” and “If all else fails, blame the computer” Very Disgruntled (Former) Nationwide Policyholder [redacted] *** Please provide my response to Nationwide so they can furnish my recorded telephone conversations of intended coverage, make the necessary adjustments to my account, and forward to me my REFUND Nationwide owes me My alternative is to further pursue my claim against the Nationwide agent through the local [redacted] magistrate system for the refund Nationwide owes and has failed to pay I would also like an apology from Nationwide for making the and unethical statements to a public entity inferring that I was having payment problems
Thank you for the opportunity to respond to [redacted] ’s inquiryPer notes from the [redacted] , the named insured, [redacted] went to the agency 12/9/to obtain a quote for auto insurance The payment plan [redacted] chose when he decided to bind coverage was the EFT pay plan This plan required a down payment of 25% of the term premium, which was $On 1/12/2015, [redacted] phoned the agency to remove a vehicle from his policy The policy premium decreased as a result of this changeOn 1/20/2015, there was a premium increase to the policy Victoria Automobile Insurance mailed [redacted] a letter dated 12/9/requesting documentation that an incident from 11/15/under driver 2, [redacted] was a “not at-fault” accidentThe requested information was not received, so the policy points were changed and backdated to the inception dateThe agency staff discussed this with [redacted] , and he appeared to understand why the policy increasedOn 1/27/2015, [redacted] went to the agency to sign a cancellation requestPrior to making the decision to cancel, he called and inquired about the cancellation processAt that time, he was informed that a mid-term cancellation would be subject to short-rating according to company guidelinesHe asked for further details regarding why and how this is calculated, and the agency explained After several conversations with the agency staff about the process, [redacted] elected to cancel his policy effective 1/27/The agency monitored the policy to ensure the cancellation processed timely On 2/11/2015, they called [redacted] to advise he would receive a refund of $The agency preemptively informs their clients of the possibility of a balance after cancelling the policy mid-term Short-rate cancellations are not processed at a agency level so there is no way for the agency to know if the clients will receive a bill or a refund until the cancellation is processedThe agency felt they maintained a good agent-client relationship with [redacted] and kept him informed of policy changesEnclosed is a copy of the SC policy which outlines the short-rate process for mid-term cancellations If you have any further questions, please contact our Customer Relations at ###-###-####.Sincerely, [redacted] Centralized Sales Operations Nationwide ###-###-#### [redacted]
Dear [redacted] This letter is in response to the inquiry received from your office on February 4, As you know, the claim process is fluid and many times the initial estimate does not account for all the damages sustained in an accident That was the case in this instance After the car was torn down additional damage was identified and accounted for by the shop We advised our insured in the initial conversation of the original estimate as well as the $1,threshold under [redacted] regulation We completely understand [redacted] ’s concern; however, our adjuster could not speak to the final damage assessment until the car was torn down and all the damages were assessed We regret that it was his understanding that he would not be surcharged; however, our process was compliant with [redacted] regulation A follcall was made to our insured on November 18, 2014, and it was during that conversation we spoke to the change in the expected claim payout At this time, our insured was informed the total damages caused as a result of the loss were in fact over $1,000, which would result in notification of the statutory threshold being pierced As stated previously, pursuant to [redacted] statute, our insured was notified in writing that this loss was considered an at-fault accident resulting in property damage in excess of $1, The at-fault determination was made based on the [redacted] Code of Regulations Section that took effect on December 11, The repair estimate for the other vehicle was sent to our insured, per his request, with the other party’s private information deleted It is not our typical process to share this information, as we handle the claim on our insured’s behalf We did deliver this information per his request We did not initially inspect our insured’s vehicle, as he was not making any claim for damages When our insured disputed the damages paid for the other party’s vehicle, we did offer to have management review the settlement amount During that review, they followed up with our insured and both agreed that it would be best to inspect the insured’s vehicle as part of that review process After the review and inspection of our insured’s vehicle, it was determined the payout for the other party’s vehicle was appropriate The damages were consistent with the impact Since the total known damages are over $1,000, our insured driver was found to be principally at fault for the loss as outlined in the [redacted] regulations Again, we regret our insured’s experience was not what he expected If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] Western Claims Zone Nationwide Insurance Company of America Phone: ###-###-#### Email Address: [redacted]
Dear [redacted] : This letter is in response to the inquiry received from your office on March 25, This letter contains the correct Office of Customer Advocacy Number (OCA) Our previous letter listed this number incorrectly At this time, we have not received any new information that would alter our previous liability decision As such, we are unable to change our prior liability decision where we agreed to pay 70% of [redacted] ***'s damages Please note that we called [redacted] on March 18, to further discuss the basis of our decision; unfortunately, we were not able to reach an agreement with herThis is a case of disputed liability where we feel [redacted] shares in the responsibility for this accident If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted] , toll-free at ###-###-####, Ext [redacted] or by email at [redacted] Sincerely, [redacted] Western Claims Zone Nationwide Insurance Company of America Phone: ###-###-#### Email Address: [redacted]
Thank you for the opportunity to respond to Mr [redacted] ’s inquiry Per notes from the [redacted] Agency, Mr [redacted] called the agency about his insurance premium increase at renewal On 3/3/15, [redacted] re-quoted his auto policy, and the new premium was $less for six months [redacted] called and left the new price on Mr [redacted] ’s answering machine The insured came into the agency on 3/25/and said he had not heard back from the agency about lowering his premium At that time, [redacted] went over the new quote with himMr [redacted] advised he found lower rates at [redacted] and decided to cancel his home and auto policies effective 3/25/ [redacted] asked him to sign the cancellation form, and she submitted the request on 3/25/ When the insured inquired about a collection bill for $51.21, [redacted] explained that he was being charged a short-rate penalty because he cancelled his policy mid-term On 4/8/15, Mr [redacted] asked if Nationwide could adjust the cancellation date because he secured coverage with [redacted] effective 3/21/ [redacted] requested a copy of the [redacted] policy showing the effective date of 3/21/15, which is required by Nationwide to amend a cancellation dateThis change was processed and reduced his collection amount to $ [redacted] also states that her dealings with Mr [redacted] have always been professional If you have any further questions, please contact our Customer Relations at ###-###-#### Sincerely, [redacted]
v\: [redacted] o\: [redacted] w\: [redacted] Dear: [redacted] This letter is in response to your request for information pertaining to the above file Our records indicate the renewal date on the Auto policy was December 1, The policy was cancelled effective January 2, as a request from [redacted] *** A total of $was charged for coverage provided for the time frame mentioned above There were no payments received towards the December renewal which left a balance of $ A $ installment fee was charged when the March 10, bill was sent This resulted in a total of $due for coverage provided during the above time frame On April 7, a Final Bill was sent for $due by April 26, There was no payment received and a Payment Notice was mailed on April 28, to advise there was still a balance due for coverag provided The following documents have been attached for your review: Billing Breakdown Final Bill Payment Notice Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext [redacted] or my email address is [redacted] Sincerely, [redacted] / [redacted] Style Definitions */
[redacted] [redacted] [redacted] Thank you for the opportunity to respond to the Revdex.com regarding policy number ##### for [redacted] and to address her concerns about the policy On 10/16/2011, [redacted] purchased a six month insurance policy with a bill plan of 20% down and installments ? On 11/30/installment bill was issued to [redacted] with an amount due of $with a stated due date of 12/15/On 12/15/we had not received payment and a cancel pending notice was sent to [redacted] with a stated cancellation date of 1/8/On 1/8/we still had not received payment and [redacted] ***s policy canceled per the 12/15/noticeAt the time of cancel on 1/8/2012, a balance of $remained due in premium and fees ? On 7/30/a payment was received via USPS for $5.00, leaving a balance due of $On 6/12/payment was received via USPS for $36.00, leaving a balance due of $We have not received any other payments since 6/12/ On 10/24/a complaint was received from [redacted] advising that she should not have any amount due and she was upset that $was in a collections statusAs a courtesy the remaining $was removed from [redacted] ***’s account and said account currently shows $due [redacted] questioned other payments that she issued to our company and she was advised of all payments that were received and applied to her accountIf [redacted] states that check payments were submitted to our company and have cleared, we would require a copy of the front and back of each check used for payment to confirm they were issued and were deposited and cashed by our representativeAny expense that [redacted] would accrue to obtain this information would be her responsibility ? I trust that I have addressed the issues within [redacted] ***’s complaintIf I can be of further assistance, please contact me at ###-###-#### Sincerely, [redacted]