I am writing in response to the supplemental complaint submitted by *** *** to the RevDex.com of Columbus, Ohio.*** *** has indicated in his supplemental complaint that he feels a month of his insurance should be paid, his down time should be paid, and the insurance company should takeresponsibility for the used fifth wheel on his vehicle if a loss were to occur. As stated in the original letter dated December 30, there will be no consideration for payment of * * ***s insurance premium as * * *** maintained their policy.Their will be no consideration for payment of * * ***s downtimeThis coverage is not available and no premium was paid for such coverageNor will be their any consideration for adelay in repairs, locating of parts, or receipt of such parts.National Casualty Company will not assume the responsibility of * * ***, or any other entity, for their use or operation of any fifth wheel* * ***s damaged fifth wheel, fromtheir loss, was indemnified as required by the policy with materials of like, kind, and quality for the actual cash value of the damaged property.Should you have additional questions or inquiries, please please contact our Customer Relations Coordinator, Janice Kleinhans, toll-free at ###-###-####, ext#####, direct at ###-###-####, or by email at ***Attached please find our company's follow up response to this complaint
Attached please find declaration page for my new carrierIn resolution of this matter, I request the balance be removed from account and also removal of my account from their collection agencyI would like a written letter on their company letterhead stating same
Dear *** ***
This letter is in response to your letter dated March 16, 2015, in which *** *** wishes to dispute our handing of her claim and our position on liability
This claim was filed on February 27, by *** *** and was reported as a parking lot
accident
On March 3, 2015, we spoke to *** ***, the driver of the other vehicle, and requested her statement of the fact of this loss. She requested that we contact her insurance carrier, *** Insurance, to obtain her statement.
On March 5, 2015, we spoke to our insured, *** ***, and obtained his statement of the loss facts. *** *** stated that both vehicles involved in the incident were parked on opposite sides of a parking aisle in the *** *** parking lot in *** **. Their vehicles were not directly across from each other, with *** ***’s vehicle being one spot further down the aisle that *** ***’s vehicleHe indicated that both vehicles were backing and he was more than half way out of his parking spot when the vehicles made contact with each other. The driver’s side portion of *** ***’s rear bumper came into contact with the passenger side rear quarter panel of *** ***’s vehicle. There was no damage to our insured’s vehicle, and thus, we did not inspect his vehicle
We established contact with *** *** again on March 5, 2015. *** *** confirmed there were no passengers or injuries in her vehicle and she would not provide us with a recorded statement. However, on March 12, 2015, we received a written statement and a diagram from *** ***. In this statement, she advised us that her vehicle was in the process of backing out of a parking spot when she saw our insured’s vehicle backing. At this point, *** *** asserts that she stopped her vehicle, but took no further action (honking her horn or pulling back into the parking space)
Please refer to the enclosed diagram provided by *** ***. There was no vehicle parked to the right of *** ***’s vehicle, giving her a very clear view of the area where our insured’s vehicle was parked. Our insured’s vehicle was parked across the aisle and to the right of *** ***’s vehicle. Additionally, *** ***, upon seeing our insured’s vehicle moving toward her vehicle, could have honked her horn or pulled back into her parking space, but did neither. Furthermore, her diagram of the accident shows that our insured’s vehicle was much further out of its spot and had established control of the aisle prior to *** ***’s vehicle entering the aisle and the impact occurring. *** ***, in her statement, indicates that she had only backed her vehicle two to three feet before stopping her vehicle and there was only a second between the time she saw our vehicle backing and the impact between the two vehicles.
After further review of the file, we believe that *** *** has the majority of fault in this accident due to inattention, impeding our insured’s established control of the aisle, and having the last clear chance to avoid this loss. However, since we had originally accepted 70% liability for the accident, we are willing to honor this commitment, and settle 70% of *** ***’s damages.
At this time, no payments have been made on this claim, as it was our belief that *** *** was utilizing her insurance coverage for her vehicle repairs
Our obligation as an insurer is to settle losses for which our insured is liable, and we have not found any evidence that our insured was 100% negligent in this matter.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
*** ***
*** *** ***
Western Claims Zone
Nationwide Insurance Company of America
Phone: ###-###-####
*** *** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number #### for *** *** and to address her concerns about the policy
Our company’s underwriting guidelines require that all household members of legal driving age must be rated or excluded on the policy, regardless of license status. This is because the company may be required to pay claims for losses if the driver is not excluded, regardless of the driver’s licensing status. Other companies may choose to treat unlicensed drivers differently.
*** *** requested that her son *** be covered effective 7/28/on her policy, and he was provided coverage. No refund or reimbursement will be provided as written notification was sent to *** *** of the cost for adding her son prior to processing her requested cancellation of the policy
As of the date of this letter, $remains due for coverage that was provided for which payment has not been received
I trust that I have addressed the issues within *** ***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
At the time of the accident *** *** and *** *** were both *** resident's they voted in ***, they stay at stacy's mother after *** *** and *** *** caught fire and was destroyed ***'s mother lived at *** *** *** ** *** so the information on the application was correct. The insurance company saids garage's at this address and yes it was there was no option to say parked in drive way. Nationwide is very known for not paying out claims that may cost a lotWe did buy a home at *** *** *** * *** *** ** *** as a second home vacation home like most snow birdsThis is a excuse that Nationwide is using to not pay out the claim. My question to nationwide is are they planning to not pay any snow birds or anyone that comes to *** for vacation or a short stayWe stand that we want the policy to be honored we did have declaration page at the time. Or We will be forced to ask a *** federal judge to make nationwide honor the policy and pay out million dollars in punative damages and all medical for the next years and value of the car and to pay everyones cost that was involved in the accidentIf we can not get revolved we will take to the *** attorney general and *** attorney general and private attorneys and seek out the assistance of the media for the news and national papers.We expect 25,paid to *** *** and 5,paid for car and all of medical bills paid because he is getting to the end of treatment. This offer is only good for days. Regards,
*** ***
This letter is in response to your correspondence dated March 16, 2015. As a means of addressing each of Ms*** issues, we will be addressing each bullet separately. No credits have been made and Jan 2015, I was told by Nationwide *** *** a credit would be appliedThe credit has not been applied as of yet. There was a credit of $applied to the policy balance per a Servicing Supervisor. This credit of $was applied to the policy balance of the Auto in order to lower the monthly premium to $160.43. Ms*** was emailed a monthly figure from a Service Representative who had offered to apply the SmartRide discount and was quoted $We have corrected the years of driving experience to reflect years; however, this change has no impact on the premium being charged to Ms***As there was/is no additional credit, none was/or will be reflected on the updated declaration page. Change of agent - As Ms*** has made it known several times that she is unhappy with the *** agency and that she wished to change agents, the Sales Manager felt it was prudent to move Ms*** to our Nationwide Sales Solutions (NSS) Department for servicing of her policies until such time that she makes a decision as to which agency she would like to be transferred. The NSS area is available 24/at ###-###-####. Per your request, a copy of the Auto policy is attached. Thank you for the opportunity to address our customer’s concernsAs explained before, company representatives have addressed Ms*** concerns multiple times. We understand that you or Ms*** may not be satisfied with the information provided in our prior responses. Nonetheless, the company has directly and accurately responded to each inquiry and therefore considers this matter closed.Sincerely,*** *** * *** *** *** ###-###-####
*** *** ***
*** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** ***
*** ***
*** ***
***
***
*** *** ***
*** *** *** ** *** ***
We are writing in response to your inquiry into *** ***’s claim. We understand that *** *** has a roofing company who has informed her that she has hail damage to her roof. As we stated in our last response we had an independent structural engineering firm inspect *** ***’s roof on September 30, 2014. The structural engineer did not find any hail damage to *** ***’s roof. This information has been provided to *** ***.
If *** *** would like to have a structural engineer inspect her roof and provide that information to us we could reconsider our position
Thank you for providing us with the opportunity to review the claim
Sincerely,
*** *** ***
*** *** *** Nationwide Affinity Insurance Company
Phone: ###-###-####
***
Dear *** *** We are writing in response to your follinquiry into *** ***’s claim. We understand that *** *** has a roofing company who has informed her that she has hail damage to her roof. As we stated in our last response we had an independent structural engineering firm inspect *** ***’s roof on September 30, 2014. The structural engineer did not find any hail damage to *** ***’s roof. This information has been provided to *** ***. If *** *** would like to have a structural engineer inspect her roof and provide that information to us we could reconsider our position. Thank you for providing us with the opportunity to review the claim. Sincerely,
*** *** *** *** Nationwide Affinity Insurance CompanyPhone: ###-###-####***
Dear *** ***
Thank
you for the opportunity to respond to *** ***’s concerns. I have reviewed the concerns and the accident
involved in this complaint along with the Nationwide ClaimPlease accept this
letter as a summary of our actions taken and resolution of the concern.
This
concern stems from a personal auto accident on December 6, 2014, involving our
insured, *** *** The claim was
reported to us on December 19. On
December 24, 2014, we completed our initial contact with our insured and *** *** and obtain the facts of loss. Both
parties were guided to park in a special parking lot for cruise
passengers. Upon returning from cruise
*** *** noticed damage to his vehicle which was allegedly cause by our
insured vehicle.
We
have completed our investigation and determine that our insured did not cause
damage to *** ***’s vehicle, and there was no damage to our insured
vehicle. We completed an appraisal only
for *** *** vehicle which verified that there was no paint transfer from our
insured vehicle, and only a dent was noticed.
We
communicated verbally and in writing to *** ***, that we will not be
accepting liability for his damages as there was no damage to our insured
vehicle and no evidence to support we caused the damages to his vehicleWe
have also spoken with his daughter and explained our final liability decision
and that will not be taking care of his damages, advising of the option to file
a claim with their insurance carrier.
On
January 23, 2014, we spoke with *** ***’s insurance carrier *** and
explained our liability decisions and claim status at that timeThey also
agreed with our liability decision after reviewing the photos of *** ***’s
vehicle.
We
hope we have answered the consumer’s questions or concerns that were brought
forward with this concern and if there is any additional information needed or
clarification on any concerns, please let me know
Sincerely,
*** ***
*** ***
Nationwide
Property & Casualty Insurance Company
###-###-####
***
First of all we were immediately contacted by an emergency adjuster on March who told us he could not do anything at the time and it would be assigned to an adjusterWe did not hear from *** until days later when he notified us he was coming from *** admitted to us he forgot items such as roof and office in his claimWe were told by the catastrophe team to contact *** and they bill Harleysville directlyWe would have not even known about *** if we were not instructed to contact them*** did the inspection the same day *** was at the houseThey decided together what to treatWe were also told by the catastrophe team to hire someone to shovel off the roof and tarp the roof and submit the receipt because they were going to pay for itThis was not a "courtesy"This is what we were promised by HarleysvilleSo we hired someone because even after the snow was completely off the roof the roof was leakingWe lived in this house for yearI understand there may have been previous damage however we had no water coming in the houseEven currently with the roof tarped we informed Harleysville that the roof is still leaking when it rainsAfter *** did the inspection I was left in limboI tried to call and find out the status of our claim because we are still currently living in a construction zone and no one called us backweeks passedOne day a check shows up in the mail I requested a readjustment not only because of the roof but because *** did not include the office or the shed, electricity, roof tarping in our claimIf you note the dates it was weeks before we got a readjustmentI was again in limbo with no call back and at this point we were assigned *** as our contactShe would say "Let me find out" and I would receive no call back for daysMy wife finally contacted a manager and the manager apologized and stated after weeks we still did not have an adjuster assignedAfter talking to the manager we received a call from *** that nightMy wife was also present the day *** came to the house*** never once stated that we need to remove the tarp to have it inspectedHe stated he had the pictures from *** and that was enoughWe told *** that it was still pouring in water in the living room when it rainedHe said that it was noted to have previous damage however because we had no water before winter in the house that sometimes the insurance company will split the cost of the roofHe also noted the things *** did not include in the claim and increased the dollar amount for paint because he stated *** definitely did not cover all the paintNow once again after the readjustment weeks passed with no contactI tried to call *** multiple timesThe time she called my back she said that the readjustment was not back yet and she would find out what was going on and call me backThat was on 4/But once again *** never called me backI left *** multiple messages with no return*** also never informed us that they would do a roof inspection if the roof was untarpedAnd once again a check just showed up in the mail with no explanationWe have not been able to fix anything do to this outstanding claim and are still living with half a kitchen a tarped roof and open wallsWe do not appeciate this response as some of this is untrueI would be happy to have a roof inspection if Harleyville paid to have it untarped and retarpedWe understand there was previous damage but like I said we had no leaks until winterWe would like a part of the roof coveredWhat is the point of having insurance when we pay but you don't deliverAnd also up until this notice *** has not contacted me once despite my multiple messages to herWe have been in contact with our lawyer to proceed further as we are just getting the run aroundOur neighbor who had damage started their process after us and there damage is already fixed and their lives are back to as we still live in construction We started this process on March 2nd and months later this has still not been resolved
Regards,
*** ***
*** ** *** *** * *** *** *** * *** ** ***
*** *** ***
*** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** *** ***
*** ***
This letter is in response to the complaint filed
with your agency by *** *** regarding her Auto policy
*** *** signed a cancellation form in the agent’s office on September 12, to have the above referenced new business Auto policy cancelled back to the inception date of September 14, The cancellation was completed on September 19, A refund check (#######) in the amount of $was issued on September 23, Per the new business refund guidelines, any refund generated from an initial down payment is held for daysThe refund check was mailed to *** *** on October 8,
If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, direct at ###-###-####, or by email at ***
Sincerely,
*** ***
*** ***
CSSS Customer Resolution & Response Team
Nationwide Insurance Company
###-###-####
***
*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
***
*** *** *** ***
*** *** This letter is in response to the complaint the Revdex.com received on November 21, regarding the auto policy referenced above. I would like to address *** ***’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know *** *** bound a new business auto policy through the MyNationwide.com website on November 3, at 5:PMOn the same day, a payment in the amount of $was made as part of the bind and an email was sent to his email address confirming this bind requestOn November 6, 2014, the new business auto policy was cancelled effective November 11, *** *** called into the Nationwide Service Center and spoke to a Member Care Representative on November 8, inquiring about his refundHe was advised that his refund of $was just sent out and should be receiving it within the next to business days*** *** called into the Nationwide Service Center on November 24, and spoke to another Member Care Representative*** *** expressed his frustration of not receiving his refund yet and was advised that his refund was in validation and was getting ready to be sent outThe refund of $was issued on November 10, and printed on November 25, and sent to *** ***Nationwide holds refunds on new business policies for days to allow time for the validation of all paymentsI apologize that *** *** was not clearly given this information regarding the issuing of his refund and feedback will be provided to the Member Care Representatives involvedIf you should have any other requests or questions regarding this matter, please feel free to contact me. Sincerely, *** *** *** *** * *** *** *** * *** Nationwide Insurance Companies ###-###-#### ***
Dear [redacted]
","sans-serif"">
Thank
you for the opportunity to respond to [redacted]'s concerns. I have reviewed the concerns and the accident
involved in this complaint along with the Nationwide ClaimPlease accept this
letter as a summary of our actions taken and resolution of the concern.
This
concern stems from a personal auto accident on December 6, 2014, involving our
insured, [redacted] The claim was
reported to us on December 19. On
December 24, 2014, we completed our initial contact with our insured and [redacted] and obtain the facts of loss. Both
parties were guided to park in a special parking lot for cruise
passengers. Upon returning from cruise
[redacted] noticed damage to his vehicle which was allegedly cause by our
insured vehicle.
We
have completed our investigation and determine that our insured did not cause
damage to [redacted]'s vehicle, and there was no damage to our insured
vehicle. We completed an appraisal only
for [redacted] vehicle which verified that there was no paint transfer from our
insured vehicle, and only a dent was noticed.
We
communicated verbally and in writing to [redacted], that we will not be
accepting liability for his damages as there was no damage to our insured
vehicle and no evidence to support we caused the damages to his vehicleWe
have also spoken with his daughter and explained our final liability decision
and that will not be taking care of his damages, advising of the option to file
a claim with their insurance carrier.
On
January 23, 2014, we spoke with [redacted]'s insurance carrier [redacted] and
explained our liability decisions and claim status at that timeThey also
agreed with our liability decision after reviewing the photos of [redacted]'s
vehicle.
We
hope we have answered the consumer's questions or concerns that were brought
forward with this concern and if there is any additional information needed or
clarification on any concerns, please let me know
Sincerely,
[redacted]
Nationwide
Property & Casualty Insurance Company
###-###-####
[redacted]
Dear [redacted] This letter is in response to the concerns filed by Alice Maritim
regarding the amount due on the cancelled Auto policy.
"margin-left:.5in
text-autospace:none">The policy renewed November 20th with a
premium of $1,227.80. This premium
divided by six months is $204.63. The ** House Bill requires
Nationwide to notify a member days in advance when their EFT automatic draft
will increase based on a renewal premium change. Since Nationwide's systems don't send bills
out days in advance, in this state, the first renewal bill generates for the
billed amount of the prior month. The
prior month's installment was $153.20.
This amount billed due November 20th.
This billed amount is not 1/6th of the renewal premium which then causes
the remaining five months to bill slightly higher since the first month bills
for less than 1/6th of the renewal premium.
The November bill indicated that the EFT
amount will increase at the next monthly withdrawal and if there is an
objection to the increase and EFT should not occur, to contact the agent,
services, or by mail five days before the next EFT is scheduled. This information is included on the bill to
notify why the next installment will be higher.
A payment of $was received on
November 21st. A bill then generated for
December 20th, at $which served as the second notification of the
increase. The policy balance was being
divided by five months left to bill.
Payment was automatically received via
EFT for $214.92. Member requested that
amount be placed back in her account as she did not approve to draft the higher
bill. We did not receive notification to
stop the draft as indicated on the prior month's bill; however, servicing
obliged and returned the $payment to the member's bank account. The only payment received on the November renewal was $153.20.
The member requested the policy be
cancelled December 22, 2014. Nationwide
charged $for coverage from the November 20, renewal to the December
22, cancellation date. Therefore,
$due for coverage minus $payment equals $still due for
coverage.
The bills are set to be mailed and
emailed based on the preferences set on the account. We do not have record of any returned mail or
returned emails. If an email is not
deliverable, it is sent back to Nationwide and is automatically documented on
the account. There is no record of the
emailed bill being returned.
This is valid premium and it was advised
to the member we are not able to waive the amount due. The member can contact servicing to make
payment or contact CCS directly. CCS
currently handles the collection and does credit report, so it is important that
the member make contact with them to know the last day to pay before they report
it by calling
###-###-####.
We apologize that the member felt our
servicing escalation process was not member focused and she had to leave
messages for supervisors. We are
reviewing the calls and will provide feedback on any unreturned calls and the
handling of phone calls by servicing.
Management has gone over the handling of
the Office of Customer Advocacy case with the associate who worked it, and
discussed the areas of opportunity that were mentioned in the member's letter
Their office goal is to satisfy our member's needs and they apologize if the
expected service was not provided. Attachments include Renewal Declaration
page, November bill, December bill, Final bill, Balance due notice, billing
breakdown. If anything additional is
needed, please contact [redacted] at or via phone at ###-###-####.Sincerely,[redacted]Nationwide ###-###-####
[redacted]
[redacted]
Thank you for the opportunity to respond to the Better Business...
Bureau regarding policy
number ###### for [redacted] and to address her concerns about the policy.
On 11/13/2013, [redacted] purchased a six month insurance policy from the [redacted]
[redacted] Agency with a bill plan of 25% down and 5 installments.
On 04/16/2014 [redacted] paid her last installment of her six month term. On 04/21/2014
[redacted] replaced her 2005 Suzuki Forenza with a 2013 Ford Focus which caused a prorated increase in premium of $173.00, a revised policy declarations was mailed and a revised renewal offer was issued advising of the current balance due of $173.00 as well as the revised renewal bill amount of $524.85. The revised renewal offer issued on
04/21/2014 had a stated due date of 05/02/2014 and a stated expiration date of 05/13/2014.
On 04/24/2014 a driver was added to [redacted]’s policy causing a pro-rated decrease in
premium of $5.00 and a revised renewal offer was issued with a stated expiration date of 05/13/2014. On 05/14/2014 [redacted] made a payment of $168.00 which paid off her current term balance. On 05/23/2014 [redacted]’s agent [redacted] called in to change her
deductibles to $1000, another renewal offer was issued advising an amount due of
$448.85 and a stated due date of 05/31/2014. The renewal offer issued on 05/23/2014 did state that if a renewal payment was not received the policy would expire effective 05/13/2014.
On 06/02/2014 no renewal payment was received and the policy expired back to the
05/13/2014 date per the notices sent on 04/21/2014, 04/24/2014, and 05/23/2014. On
06/03/2014 [redacted] made a payment of $617.50 to reinstate her policy with a lapse in
coverage.
Statement from producing agent [redacted] –
She paid her bill on 5/14/14 which was the last installment until renewal. She was
told her next payment was due by the renewal date or policy may cancel. We
have 3 different attempts to call her and left messages on her machine on
5/28/14, 5/30/14, and again on 6/2/14. She was told policy was canceling if
we did not get payment. This is in addition to her renewal bills being sent to her
by the company.
[redacted] was made aware that she needed to pay her renewal bill if she intended to have the policy continue past the 05/13/2014 expiration date.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of further
assistance, please contact me at ###-###-####.
I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,2015 which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $626.95 of the $1505.57 that was taken from escrow. The $626.95 came from yet another change due to over charging on the garage square footage. On Sept. 14, 2015 I spoke with B L[redacted] (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept. 15,2015 he called me back and said the deduction was approved by the underwriter. So, Mr. P[redacted], you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D[redacted] ( Nationwide agent) The increase was for 4188 square feet not the actual 2981 square feet of the house. That is obviously "largely" incorrect. If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for 10 months then you back dated to give me the higher deductible effective October 23, 2014 that means my premium is lower. Therefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $626.95 went.Simple math:October 23, 2014 premium $2759.32 Money pulled from escrow $1505.57 = $4264.89. July 09 dwelling change new premium $3774.04 ($490.85 difference in premium I was refunded $184.20...) July 30,2015 deductible change new premium $3409.56 ( difference from July 9 is $364.48 I was refunded $86.83) Aug 25 dwelling change (square footage) new premium $2982.49 (difference 427.07 I was refunded $427.07) Final premium as of now Sept 21 $2939.81 (difference $42.68, no refund) From beginning to end it was only a $180.49 difference in premium 9-21-2015, $2939.81-$2759.32 (original Oct 2014) = $180.49.. I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$698.10 refunds - $180.49 final premium increase =$626.98 owed to me. If you could justify where the $626.98 went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $1505.57 and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the [redacted] Insurance Commissioner to have D D[redacted]/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $626.98 from a multi million dollar company.
Regards, [redacted]
This letter is in response to a complaint received from [redacted] on April 21, 2015 regarding notification for his GAP claim. As the insurer, we have a duty to advise [redacted] of all coverages available on his policy pertaining to the claim submitted. This claim involved payment for the...
loss of his vehicle and he was advised of all coverages available on the policy pertaining to this claim. The GAP claim is a separate claim and would be initiated by [redacted] with his GAP carrier. Nationwide Insurance had no duty to initiate or advise [redacted] on the handling of his GAP claim. Additionally, we had no information regarding any GAP coverage he may have had available to him. The paperwork required to issue payment to [redacted]’s lien holder was not received from [redacted] until April 2, 2015. Upon receipt of this paperwork, payment was issued on April 2, 2015. The lien holder would require payments to be made timely until the loan is paid in full which would be [redacted]’s responsibility. There was no delay in the handling of the claim or processing of the payment by Nationwide Insurance.The files shows that [redacted] inquired about documents needed for his GAP coverage claim on April 7, 2015. He was advised that he already had all the documents the GAP carrier would need to process his claim. In conclusion, there was no negligence by Nationwide Insurance resulting in the additional expense stated by [redacted]. The only delay in the claim was in obtaining the title from [redacted] so payment could be issued. Once we finally received the title, payment was issued the same day. Please let me know if I can be of any further assistance regarding this matter.Thank you,
[redacted]
[redacted]###-###-####
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
We are in receipt of your request for information regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.Ms. [redacted] has the Medical Plan with a $100.00 annual deductible for...
her dog Murphy. On September 15, 2016 we received all of the above referenced claims with the following diagnosis on the claim forms:? Claim [redacted] – Laryngeal Paralysis (service date July 30, 2016).? Claim [redacted] – Pneumonia (service date August 1, 2016).? Claim [redacted] – Not eating or taking medications (service date August 5, 2016).? Claim [redacted] – Pneumonia recheck (service date August 12, 2016).No medical records were received with the claims and they were processed based on the information provided on the claim forms. Below is a summary of how the claims were processed and how much was reimbursed (listed in the order which they were processed):? Claim [redacted] – Processed as primary Laryngeal Paralysis (code 1409) and secondary Pneumonia (code 1447). Reimbursement amount: $68.00.? Claim [redacted] – Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $58.65.? Claim [redacted] – Processed as Laryngeal Paralysis. Reimbursement amount: $236.20.? Claim [redacted] Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $37.15.Please note that the Medical Plan works exclusively with a benefits schedule. Each eligible condition has a reimbursement limit per policy term. As outlined in the Medical Plan, Section 4, Benefit Provisions:A. We will pay covered veterinary expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition, up to the limits of this policy. To be eligible for payment, your pet’s condition or procedure to treat this condition must be listed in the VPI Medical Plan Benefit Schedule.B. We will apply your deductible to covered veterinary expenses that you incur during the policy term. We will pay covered veterinary services expenses that exceed your deductible, up to the limit of one Column A Primary Diagnosis Allowance and any Column B Secondary Diagnosis Allowance that applies to your pet’s condition. These Diagnosis Allowances are the most that we will pay during the policy term for any condition covered by this policy, regardless of the number of incidents or treatments during the policy term.C. Covered veterinary expenses from each incident are eligible for payment under only one Column A Primary Diagnosis Allowance and any applicable Column B Secondary Diagnosis Allowance. In each incident, we will apply the Column A Primary Diagnosis Allowance of the predominant condition for which your pet received veterinary services. We will not pay both a Column A Primary Diagnosis Allowance and a Column B Secondary Diagnosis Allowance under any Diagnosis Code that applies to the same condition.The processing of the claims was correct under the terms of the policy. As a courtesy, we have requested medical records on Ms. [redacted]’s behalf from Chase Farm Veterinary Hospital. We will review the above referenced claims for additional benefits and advise Ms. [redacted] of the outcome under a separate cover.Our members may request a review of any claim by contacting our office directly and providing supporting medical records. As outlined in the Medical Plan, Section 12, Review:You may request a review:A. If we deny your claim in whole or in part; orB. To ask that we remove an Additional Excluded Condition listed on the Declarations Page or Renewal Certificate of your policy.You must submit your review request in writing indicating the reason for the review. You must provide us with all medical and surgical records from your veterinarian relating to any condition that is the basis of your request. If your request for review involves an Additional Excluded Condition, you must provide us with medical and surgical records or other documentation from your veterinarian demonstrating that the condition was cured at least six months before the date of your request. Chronic conditions are not eligible for removal. All review decisions are final. Please note that Ms. [redacted] called our customer care department on September 27, 2016 regarding the processing of claim [redacted]. She was advised by our representative to submit records for a dispute review. We did not receive records so a review was never initiated.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Vincent G[redacted]
As I stated previously we were aware of previous damage and it was noted in our inspection however the inspector and another roofing company stated the roof would be ok for a couple more years. We had no water damage in the house prior to winter even when it rained. I gave that report the [redacted] when he was here for adjustment from a roofer. We have hired a roofer already and he will be replacing our roof in a couple weeks. We can't let the water keep coming in damaging our house so the inspection would need to be done soon. What we are upset about is not how the roof was not covered but my complaint in the first place was about how unprofessional, unreliable the company is. We have been lied to multiple times and no communication has been made to us. Also the amount of time it has taken to resolve anything. The main issue is still being ignored despite everything. We were told partial roof would probably be covered. We are not blaming the insurance company for the whole roof. My complaint to the Revdex.com was not about money it was about how Harleysville treats their customers. I will be talking to my lawyer this afternoon for advise on how to proceed.Regards,
[redacted]
I am writing in response to the supplemental complaint submitted by *** *** to the RevDex.com of Columbus, Ohio.*** *** has indicated in his supplemental complaint that he feels a month of his insurance should be paid, his down time should be paid, and the insurance company should takeresponsibility for the used fifth wheel on his vehicle if a loss were to occur. As stated in the original letter dated December 30, there will be no consideration for payment of * * ***s insurance premium as * * *** maintained their policy.Their will be no consideration for payment of * * ***s downtimeThis coverage is not available and no premium was paid for such coverageNor will be their any consideration for adelay in repairs, locating of parts, or receipt of such parts.National Casualty Company will not assume the responsibility of * * ***, or any other entity, for their use or operation of any fifth wheel* * ***s damaged fifth wheel, fromtheir loss, was indemnified as required by the policy with materials of like, kind, and quality for the actual cash value of the damaged property.Should you have additional questions or inquiries, please please contact our Customer Relations Coordinator, Janice Kleinhans, toll-free at ###-###-####, ext#####, direct at ###-###-####, or by email at ***Attached please find our company's follow up response to this complaint
Attached please find declaration page for my new carrierIn resolution of this matter, I request the balance be removed from account and also removal of my account from their collection agencyI would like a written letter on their company letterhead stating same
Dear *** ***
This letter is in response to your letter dated March 16, 2015, in which *** *** wishes to dispute our handing of her claim and our position on liability
This claim was filed on February 27, by *** *** and was reported as a parking lot
accident
On March 3, 2015, we spoke to *** ***, the driver of the other vehicle, and requested her statement of the fact of this loss. She requested that we contact her insurance carrier, *** Insurance, to obtain her statement.
On March 5, 2015, we spoke to our insured, *** ***, and obtained his statement of the loss facts. *** *** stated that both vehicles involved in the incident were parked on opposite sides of a parking aisle in the *** *** parking lot in *** **. Their vehicles were not directly across from each other, with *** ***’s vehicle being one spot further down the aisle that *** ***’s vehicleHe indicated that both vehicles were backing and he was more than half way out of his parking spot when the vehicles made contact with each other. The driver’s side portion of *** ***’s rear bumper came into contact with the passenger side rear quarter panel of *** ***’s vehicle. There was no damage to our insured’s vehicle, and thus, we did not inspect his vehicle
We established contact with *** *** again on March 5, 2015. *** *** confirmed there were no passengers or injuries in her vehicle and she would not provide us with a recorded statement. However, on March 12, 2015, we received a written statement and a diagram from *** ***. In this statement, she advised us that her vehicle was in the process of backing out of a parking spot when she saw our insured’s vehicle backing. At this point, *** *** asserts that she stopped her vehicle, but took no further action (honking her horn or pulling back into the parking space)
Please refer to the enclosed diagram provided by *** ***. There was no vehicle parked to the right of *** ***’s vehicle, giving her a very clear view of the area where our insured’s vehicle was parked. Our insured’s vehicle was parked across the aisle and to the right of *** ***’s vehicle. Additionally, *** ***, upon seeing our insured’s vehicle moving toward her vehicle, could have honked her horn or pulled back into her parking space, but did neither. Furthermore, her diagram of the accident shows that our insured’s vehicle was much further out of its spot and had established control of the aisle prior to *** ***’s vehicle entering the aisle and the impact occurring. *** ***, in her statement, indicates that she had only backed her vehicle two to three feet before stopping her vehicle and there was only a second between the time she saw our vehicle backing and the impact between the two vehicles.
After further review of the file, we believe that *** *** has the majority of fault in this accident due to inattention, impeding our insured’s established control of the aisle, and having the last clear chance to avoid this loss. However, since we had originally accepted 70% liability for the accident, we are willing to honor this commitment, and settle 70% of *** ***’s damages.
At this time, no payments have been made on this claim, as it was our belief that *** *** was utilizing her insurance coverage for her vehicle repairs
Our obligation as an insurer is to settle losses for which our insured is liable, and we have not found any evidence that our insured was 100% negligent in this matter.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
*** ***
*** *** ***
Western Claims Zone
Nationwide Insurance Company of America
Phone: ###-###-####
*** *** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number #### for *** *** and to address her concerns about the policy
Our company’s underwriting guidelines require that all household members of legal driving age must be rated or excluded on the policy, regardless of license status. This is because the company may be required to pay claims for losses if the driver is not excluded, regardless of the driver’s licensing status. Other companies may choose to treat unlicensed drivers differently.
*** *** requested that her son *** be covered effective 7/28/on her policy, and he was provided coverage. No refund or reimbursement will be provided as written notification was sent to *** *** of the cost for adding her son prior to processing her requested cancellation of the policy
As of the date of this letter, $remains due for coverage that was provided for which payment has not been received
I trust that I have addressed the issues within *** ***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
At the time of the accident *** *** and *** *** were both *** resident's they voted in ***, they stay at stacy's mother after *** *** and *** *** caught fire and was destroyed ***'s mother lived at *** *** *** ** *** so the information on the application was correct. The insurance company saids garage's at this address and yes it was there was no option to say parked in drive way. Nationwide is very known for not paying out claims that may cost a lotWe did buy a home at *** *** *** * *** *** ** *** as a second home vacation home like most snow birdsThis is a excuse that Nationwide is using to not pay out the claim. My question to nationwide is are they planning to not pay any snow birds or anyone that comes to *** for vacation or a short stayWe stand that we want the policy to be honored we did have declaration page at the time. Or We will be forced to ask a *** federal judge to make nationwide honor the policy and pay out million dollars in punative damages and all medical for the next years and value of the car and to pay everyones cost that was involved in the accidentIf we can not get revolved we will take to the *** attorney general and *** attorney general and private attorneys and seek out the assistance of the media for the news and national papers.We expect 25,paid to *** *** and 5,paid for car and all of medical bills paid because he is getting to the end of treatment. This offer is only good for days. Regards,
*** ***
This letter is in response to your correspondence dated March 16, 2015. As a means of addressing each of Ms*** issues, we will be addressing each bullet separately. No credits have been made and Jan 2015, I was told by Nationwide *** *** a credit would be appliedThe credit has not been applied as of yet. There was a credit of $applied to the policy balance per a Servicing Supervisor. This credit of $was applied to the policy balance of the Auto in order to lower the monthly premium to $160.43. Ms*** was emailed a monthly figure from a Service Representative who had offered to apply the SmartRide discount and was quoted $We have corrected the years of driving experience to reflect years; however, this change has no impact on the premium being charged to Ms***As there was/is no additional credit, none was/or will be reflected on the updated declaration page. Change of agent - As Ms*** has made it known several times that she is unhappy with the *** agency and that she wished to change agents, the Sales Manager felt it was prudent to move Ms*** to our Nationwide Sales Solutions (NSS) Department for servicing of her policies until such time that she makes a decision as to which agency she would like to be transferred. The NSS area is available 24/at ###-###-####. Per your request, a copy of the Auto policy is attached. Thank you for the opportunity to address our customer’s concernsAs explained before, company representatives have addressed Ms*** concerns multiple times. We understand that you or Ms*** may not be satisfied with the information provided in our prior responses. Nonetheless, the company has directly and accurately responded to each inquiry and therefore considers this matter closed.Sincerely,*** *** * *** *** *** ###-###-####
*** *** ***
*** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** ***
*** ***
*** ***
***
***
*** *** ***
*** *** *** ** *** ***
We are writing in response to your inquiry into *** ***’s claim. We understand that *** *** has a roofing company who has informed her that she has hail damage to her roof. As we stated in our last response we had an independent structural engineering firm inspect *** ***’s roof on September 30, 2014. The structural engineer did not find any hail damage to *** ***’s roof. This information has been provided to *** ***.
If *** *** would like to have a structural engineer inspect her roof and provide that information to us we could reconsider our position
Thank you for providing us with the opportunity to review the claim
Sincerely,
*** *** ***
*** *** *** Nationwide Affinity Insurance Company
Phone: ###-###-####
***
Dear *** *** We are writing in response to your follinquiry into *** ***’s claim. We understand that *** *** has a roofing company who has informed her that she has hail damage to her roof. As we stated in our last response we had an independent structural engineering firm inspect *** ***’s roof on September 30, 2014. The structural engineer did not find any hail damage to *** ***’s roof. This information has been provided to *** ***. If *** *** would like to have a structural engineer inspect her roof and provide that information to us we could reconsider our position. Thank you for providing us with the opportunity to review the claim. Sincerely,
*** *** *** *** Nationwide Affinity Insurance CompanyPhone: ###-###-####***
Dear *** ***
Thank
you for the opportunity to respond to *** ***’s concerns. I have reviewed the concerns and the accident
involved in this complaint along with the Nationwide ClaimPlease accept this
letter as a summary of our actions taken and resolution of the concern.
This
concern stems from a personal auto accident on December 6, 2014, involving our
insured, *** *** The claim was
reported to us on December 19. On
December 24, 2014, we completed our initial contact with our insured and *** *** and obtain the facts of loss. Both
parties were guided to park in a special parking lot for cruise
passengers. Upon returning from cruise
*** *** noticed damage to his vehicle which was allegedly cause by our
insured vehicle.
We
have completed our investigation and determine that our insured did not cause
damage to *** ***’s vehicle, and there was no damage to our insured
vehicle. We completed an appraisal only
for *** *** vehicle which verified that there was no paint transfer from our
insured vehicle, and only a dent was noticed.
We
communicated verbally and in writing to *** ***, that we will not be
accepting liability for his damages as there was no damage to our insured
vehicle and no evidence to support we caused the damages to his vehicleWe
have also spoken with his daughter and explained our final liability decision
and that will not be taking care of his damages, advising of the option to file
a claim with their insurance carrier.
On
January 23, 2014, we spoke with *** ***’s insurance carrier *** and
explained our liability decisions and claim status at that timeThey also
agreed with our liability decision after reviewing the photos of *** ***’s
vehicle.
We
hope we have answered the consumer’s questions or concerns that were brought
forward with this concern and if there is any additional information needed or
clarification on any concerns, please let me know
Sincerely,
*** ***
*** ***
Nationwide
Property & Casualty Insurance Company
###-###-####
***
First of all we were immediately contacted by an emergency adjuster on March who told us he could not do anything at the time and it would be assigned to an adjusterWe did not hear from *** until days later when he notified us he was coming from *** admitted to us he forgot items such as roof and office in his claimWe were told by the catastrophe team to contact *** and they bill Harleysville directlyWe would have not even known about *** if we were not instructed to contact them*** did the inspection the same day *** was at the houseThey decided together what to treatWe were also told by the catastrophe team to hire someone to shovel off the roof and tarp the roof and submit the receipt because they were going to pay for itThis was not a "courtesy"This is what we were promised by HarleysvilleSo we hired someone because even after the snow was completely off the roof the roof was leakingWe lived in this house for yearI understand there may have been previous damage however we had no water coming in the houseEven currently with the roof tarped we informed Harleysville that the roof is still leaking when it rainsAfter *** did the inspection I was left in limboI tried to call and find out the status of our claim because we are still currently living in a construction zone and no one called us backweeks passedOne day a check shows up in the mail I requested a readjustment not only because of the roof but because *** did not include the office or the shed, electricity, roof tarping in our claimIf you note the dates it was weeks before we got a readjustmentI was again in limbo with no call back and at this point we were assigned *** as our contactShe would say "Let me find out" and I would receive no call back for daysMy wife finally contacted a manager and the manager apologized and stated after weeks we still did not have an adjuster assignedAfter talking to the manager we received a call from *** that nightMy wife was also present the day *** came to the house*** never once stated that we need to remove the tarp to have it inspectedHe stated he had the pictures from *** and that was enoughWe told *** that it was still pouring in water in the living room when it rainedHe said that it was noted to have previous damage however because we had no water before winter in the house that sometimes the insurance company will split the cost of the roofHe also noted the things *** did not include in the claim and increased the dollar amount for paint because he stated *** definitely did not cover all the paintNow once again after the readjustment weeks passed with no contactI tried to call *** multiple timesThe time she called my back she said that the readjustment was not back yet and she would find out what was going on and call me backThat was on 4/But once again *** never called me backI left *** multiple messages with no return*** also never informed us that they would do a roof inspection if the roof was untarpedAnd once again a check just showed up in the mail with no explanationWe have not been able to fix anything do to this outstanding claim and are still living with half a kitchen a tarped roof and open wallsWe do not appeciate this response as some of this is untrueI would be happy to have a roof inspection if Harleyville paid to have it untarped and retarpedWe understand there was previous damage but like I said we had no leaks until winterWe would like a part of the roof coveredWhat is the point of having insurance when we pay but you don't deliverAnd also up until this notice *** has not contacted me once despite my multiple messages to herWe have been in contact with our lawyer to proceed further as we are just getting the run aroundOur neighbor who had damage started their process after us and there damage is already fixed and their lives are back to as we still live in construction We started this process on March 2nd and months later this has still not been resolved
Regards,
*** ***
*** ** *** *** * *** *** *** * *** ** ***
*** *** ***
*** ***
*** *** *** ** *** ***
*** *** **
*** ** ***
*** *** ***
*** ***
This letter is in response to the complaint filed
with your agency by *** *** regarding her Auto policy
*** *** signed a cancellation form in the agent’s office on September 12, to have the above referenced new business Auto policy cancelled back to the inception date of September 14, The cancellation was completed on September 19, A refund check (#######) in the amount of $was issued on September 23, Per the new business refund guidelines, any refund generated from an initial down payment is held for daysThe refund check was mailed to *** *** on October 8,
If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, direct at ###-###-####, or by email at ***
Sincerely,
*** ***
*** ***
CSSS Customer Resolution & Response Team
Nationwide Insurance Company
###-###-####
***
*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
***
*** *** *** ***
*** *** This letter is in response to the complaint the Revdex.com received on November 21, regarding the auto policy referenced above. I would like to address *** ***’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know *** *** bound a new business auto policy through the MyNationwide.com website on November 3, at 5:PMOn the same day, a payment in the amount of $was made as part of the bind and an email was sent to his email address confirming this bind requestOn November 6, 2014, the new business auto policy was cancelled effective November 11, *** *** called into the Nationwide Service Center and spoke to a Member Care Representative on November 8, inquiring about his refundHe was advised that his refund of $was just sent out and should be receiving it within the next to business days*** *** called into the Nationwide Service Center on November 24, and spoke to another Member Care Representative*** *** expressed his frustration of not receiving his refund yet and was advised that his refund was in validation and was getting ready to be sent outThe refund of $was issued on November 10, and printed on November 25, and sent to *** ***Nationwide holds refunds on new business policies for days to allow time for the validation of all paymentsI apologize that *** *** was not clearly given this information regarding the issuing of his refund and feedback will be provided to the Member Care Representatives involvedIf you should have any other requests or questions regarding this matter, please feel free to contact me. Sincerely, *** *** *** *** * *** *** *** * *** Nationwide Insurance Companies ###-###-#### ***
Dear [redacted]
","sans-serif"">
Thank
you for the opportunity to respond to [redacted]'s concerns. I have reviewed the concerns and the accident
involved in this complaint along with the Nationwide ClaimPlease accept this
letter as a summary of our actions taken and resolution of the concern.
This
concern stems from a personal auto accident on December 6, 2014, involving our
insured, [redacted] The claim was
reported to us on December 19. On
December 24, 2014, we completed our initial contact with our insured and [redacted] and obtain the facts of loss. Both
parties were guided to park in a special parking lot for cruise
passengers. Upon returning from cruise
[redacted] noticed damage to his vehicle which was allegedly cause by our
insured vehicle.
We
have completed our investigation and determine that our insured did not cause
damage to [redacted]'s vehicle, and there was no damage to our insured
vehicle. We completed an appraisal only
for [redacted] vehicle which verified that there was no paint transfer from our
insured vehicle, and only a dent was noticed.
We
communicated verbally and in writing to [redacted], that we will not be
accepting liability for his damages as there was no damage to our insured
vehicle and no evidence to support we caused the damages to his vehicleWe
have also spoken with his daughter and explained our final liability decision
and that will not be taking care of his damages, advising of the option to file
a claim with their insurance carrier.
On
January 23, 2014, we spoke with [redacted]'s insurance carrier [redacted] and
explained our liability decisions and claim status at that timeThey also
agreed with our liability decision after reviewing the photos of [redacted]'s
vehicle.
We
hope we have answered the consumer's questions or concerns that were brought
forward with this concern and if there is any additional information needed or
clarification on any concerns, please let me know
Sincerely,
[redacted]
Nationwide
Property & Casualty Insurance Company
###-###-####
[redacted]
Dear [redacted] This letter is in response to the concerns filed by Alice Maritim
regarding the amount due on the cancelled Auto policy.
"margin-left:.5in
text-autospace:none">The policy renewed November 20th with a
premium of $1,227.80. This premium
divided by six months is $204.63. The ** House Bill requires
Nationwide to notify a member days in advance when their EFT automatic draft
will increase based on a renewal premium change. Since Nationwide's systems don't send bills
out days in advance, in this state, the first renewal bill generates for the
billed amount of the prior month. The
prior month's installment was $153.20.
This amount billed due November 20th.
This billed amount is not 1/6th of the renewal premium which then causes
the remaining five months to bill slightly higher since the first month bills
for less than 1/6th of the renewal premium.
The November bill indicated that the EFT
amount will increase at the next monthly withdrawal and if there is an
objection to the increase and EFT should not occur, to contact the agent,
services, or by mail five days before the next EFT is scheduled. This information is included on the bill to
notify why the next installment will be higher.
A payment of $was received on
November 21st. A bill then generated for
December 20th, at $which served as the second notification of the
increase. The policy balance was being
divided by five months left to bill.
Payment was automatically received via
EFT for $214.92. Member requested that
amount be placed back in her account as she did not approve to draft the higher
bill. We did not receive notification to
stop the draft as indicated on the prior month's bill; however, servicing
obliged and returned the $payment to the member's bank account. The only payment received on the November renewal was $153.20.
The member requested the policy be
cancelled December 22, 2014. Nationwide
charged $for coverage from the November 20, renewal to the December
22, cancellation date. Therefore,
$due for coverage minus $payment equals $still due for
coverage.
The bills are set to be mailed and
emailed based on the preferences set on the account. We do not have record of any returned mail or
returned emails. If an email is not
deliverable, it is sent back to Nationwide and is automatically documented on
the account. There is no record of the
emailed bill being returned.
This is valid premium and it was advised
to the member we are not able to waive the amount due. The member can contact servicing to make
payment or contact CCS directly. CCS
currently handles the collection and does credit report, so it is important that
the member make contact with them to know the last day to pay before they report
it by calling
###-###-####.
We apologize that the member felt our
servicing escalation process was not member focused and she had to leave
messages for supervisors. We are
reviewing the calls and will provide feedback on any unreturned calls and the
handling of phone calls by servicing.
Management has gone over the handling of
the Office of Customer Advocacy case with the associate who worked it, and
discussed the areas of opportunity that were mentioned in the member's letter
Their office goal is to satisfy our member's needs and they apologize if the
expected service was not provided. Attachments include Renewal Declaration
page, November bill, December bill, Final bill, Balance due notice, billing
breakdown. If anything additional is
needed, please contact [redacted] at or via phone at ###-###-####.Sincerely,[redacted]Nationwide ###-###-####
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Thank you for the opportunity to respond to the Better Business...
Bureau regarding policy
number ###### for [redacted] and to address her concerns about the policy.
On 11/13/2013, [redacted] purchased a six month insurance policy from the [redacted]
[redacted] Agency with a bill plan of 25% down and 5 installments.
On 04/16/2014 [redacted] paid her last installment of her six month term. On 04/21/2014
[redacted] replaced her 2005 Suzuki Forenza with a 2013 Ford Focus which caused a prorated increase in premium of $173.00, a revised policy declarations was mailed and a revised renewal offer was issued advising of the current balance due of $173.00 as well as the revised renewal bill amount of $524.85. The revised renewal offer issued on
04/21/2014 had a stated due date of 05/02/2014 and a stated expiration date of 05/13/2014.
On 04/24/2014 a driver was added to [redacted]’s policy causing a pro-rated decrease in
premium of $5.00 and a revised renewal offer was issued with a stated expiration date of 05/13/2014. On 05/14/2014 [redacted] made a payment of $168.00 which paid off her current term balance. On 05/23/2014 [redacted]’s agent [redacted] called in to change her
deductibles to $1000, another renewal offer was issued advising an amount due of
$448.85 and a stated due date of 05/31/2014. The renewal offer issued on 05/23/2014 did state that if a renewal payment was not received the policy would expire effective 05/13/2014.
On 06/02/2014 no renewal payment was received and the policy expired back to the
05/13/2014 date per the notices sent on 04/21/2014, 04/24/2014, and 05/23/2014. On
06/03/2014 [redacted] made a payment of $617.50 to reinstate her policy with a lapse in
coverage.
Statement from producing agent [redacted] –
She paid her bill on 5/14/14 which was the last installment until renewal. She was
told her next payment was due by the renewal date or policy may cancel. We
have 3 different attempts to call her and left messages on her machine on
5/28/14, 5/30/14, and again on 6/2/14. She was told policy was canceling if
we did not get payment. This is in addition to her renewal bills being sent to her
by the company.
[redacted] was made aware that she needed to pay her renewal bill if she intended to have the policy continue past the 05/13/2014 expiration date.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of further
assistance, please contact me at ###-###-####.
Sincerely,
[redacted]
[redacted]
I faxed the bill ($1505.57) showing the date of June 30, 2015, that is the first I knew about the increase. I sent the email showing I didn't have access to "paperless" billing and documents until June 30,2015 which I had to call the agent and get my sign on information since I wasn't aware the account had been set up for months via Nationwide. That is why I didn't respond until June/July 2015. The time frame that I respond is irrelevant to the amount of money owed to me.Nothing about Nationwide's response makes sense. The math is done on every declaration. There is nothing showing why Nationwide absorbed $626.95 of the $1505.57 that was taken from escrow. The $626.95 came from yet another change due to over charging on the garage square footage. On Sept. 14, 2015 I spoke with B L[redacted] (Nationwide customer service rep in Columbus Ohio) and emailed him the appraisal drawing and measurements of my house. On Sept. 15,2015 he called me back and said the deduction was approved by the underwriter. So, Mr. P[redacted], you are wrong when you stated that the measurements were "largely correct". The discrepancy was with the guest house and the garage. According to my correspondence with D D[redacted] ( Nationwide agent) The increase was for 4188 square feet not the actual 2981 square feet of the house. That is obviously "largely" incorrect. If I opted for a higher deductible ($5000) but already paid the higher premium for the lower deductible ($2500) for 10 months then you back dated to give me the higher deductible effective October 23, 2014 that means my premium is lower. Therefore, you owe me money. If I opted for the lower deductible, my premium (out of pocket) is higher which means I would have owed you money. Nowhere on any of the statements I received shows where the $626.95 went.Simple math:October 23, 2014 premium $2759.32 Money pulled from escrow $1505.57 = $4264.89. July 09 dwelling change new premium $3774.04 ($490.85 difference in premium I was refunded $184.20...) July 30,2015 deductible change new premium $3409.56 ( difference from July 9 is $364.48 I was refunded $86.83) Aug 25 dwelling change (square footage) new premium $2982.49 (difference 427.07 I was refunded $427.07) Final premium as of now Sept 21 $2939.81 (difference $42.68, no refund) From beginning to end it was only a $180.49 difference in premium 9-21-2015, $2939.81-$2759.32 (original Oct 2014) = $180.49.. I've received $184.20+$86.83+$427.07=698.10 Over charged $1505.57-$698.10 refunds - $180.49 final premium increase =$626.98 owed to me. If you could justify where the $626.98 went it should reflect in the declaration and premium each time you sent it. It should equal to $0.00. I also have an email contesting the $1505.57 and stating that I wasn't going to pay the increase because Nationwide couldn't provide a valid reason for the increase. I also said in my email (which I will forward) that I would not sign the new contract and I was shopping for a different insurance company to cover my homeowners insurance. Despite that email, Nationwide withdrew from my escrow. I have forwarded my complaint to the [redacted] Insurance Commissioner to have D D[redacted]/Nationwide reviewed as well as spoke with an attorney to consider pressing criminal charges for withdrawing money after I adamantly made it clear I was going to drop Nationwide in July. I have every email, statement and document. I doubt I will have problems getting reimbursed for the stress, increased house payment due to escrow shortage and many hours I have spent on the phone, gathering documents, sending emails fighting to get back my $626.98 from a multi million dollar company.
Regards, [redacted]
This letter is in response to a complaint received from [redacted] on April 21, 2015 regarding notification for his GAP claim. As the insurer, we have a duty to advise [redacted] of all coverages available on his policy pertaining to the claim submitted. This claim involved payment for the...
loss of his vehicle and he was advised of all coverages available on the policy pertaining to this claim. The GAP claim is a separate claim and would be initiated by [redacted] with his GAP carrier. Nationwide Insurance had no duty to initiate or advise [redacted] on the handling of his GAP claim. Additionally, we had no information regarding any GAP coverage he may have had available to him. The paperwork required to issue payment to [redacted]’s lien holder was not received from [redacted] until April 2, 2015. Upon receipt of this paperwork, payment was issued on April 2, 2015. The lien holder would require payments to be made timely until the loan is paid in full which would be [redacted]’s responsibility. There was no delay in the handling of the claim or processing of the payment by Nationwide Insurance.The files shows that [redacted] inquired about documents needed for his GAP coverage claim on April 7, 2015. He was advised that he already had all the documents the GAP carrier would need to process his claim. In conclusion, there was no negligence by Nationwide Insurance resulting in the additional expense stated by [redacted]. The only delay in the claim was in obtaining the title from [redacted] so payment could be issued. Once we finally received the title, payment was issued the same day. Please let me know if I can be of any further assistance regarding this matter.Thank you,
[redacted]
[redacted]###-###-####
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
We are in receipt of your request for information regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.Ms. [redacted] has the Medical Plan with a $100.00 annual deductible for...
her dog Murphy. On September 15, 2016 we received all of the above referenced claims with the following diagnosis on the claim forms:? Claim [redacted] – Laryngeal Paralysis (service date July 30, 2016).? Claim [redacted] – Pneumonia (service date August 1, 2016).? Claim [redacted] – Not eating or taking medications (service date August 5, 2016).? Claim [redacted] – Pneumonia recheck (service date August 12, 2016).No medical records were received with the claims and they were processed based on the information provided on the claim forms. Below is a summary of how the claims were processed and how much was reimbursed (listed in the order which they were processed):? Claim [redacted] – Processed as primary Laryngeal Paralysis (code 1409) and secondary Pneumonia (code 1447). Reimbursement amount: $68.00.? Claim [redacted] – Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $58.65.? Claim [redacted] – Processed as Laryngeal Paralysis. Reimbursement amount: $236.20.? Claim [redacted] Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $37.15.Please note that the Medical Plan works exclusively with a benefits schedule. Each eligible condition has a reimbursement limit per policy term. As outlined in the Medical Plan, Section 4, Benefit Provisions:A. We will pay covered veterinary expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition, up to the limits of this policy. To be eligible for payment, your pet’s condition or procedure to treat this condition must be listed in the VPI Medical Plan Benefit Schedule.B. We will apply your deductible to covered veterinary expenses that you incur during the policy term. We will pay covered veterinary services expenses that exceed your deductible, up to the limit of one Column A Primary Diagnosis Allowance and any Column B Secondary Diagnosis Allowance that applies to your pet’s condition. These Diagnosis Allowances are the most that we will pay during the policy term for any condition covered by this policy, regardless of the number of incidents or treatments during the policy term.C. Covered veterinary expenses from each incident are eligible for payment under only one Column A Primary Diagnosis Allowance and any applicable Column B Secondary Diagnosis Allowance. In each incident, we will apply the Column A Primary Diagnosis Allowance of the predominant condition for which your pet received veterinary services. We will not pay both a Column A Primary Diagnosis Allowance and a Column B Secondary Diagnosis Allowance under any Diagnosis Code that applies to the same condition.The processing of the claims was correct under the terms of the policy. As a courtesy, we have requested medical records on Ms. [redacted]’s behalf from Chase Farm Veterinary Hospital. We will review the above referenced claims for additional benefits and advise Ms. [redacted] of the outcome under a separate cover.Our members may request a review of any claim by contacting our office directly and providing supporting medical records. As outlined in the Medical Plan, Section 12, Review:You may request a review:A. If we deny your claim in whole or in part; orB. To ask that we remove an Additional Excluded Condition listed on the Declarations Page or Renewal Certificate of your policy.You must submit your review request in writing indicating the reason for the review. You must provide us with all medical and surgical records from your veterinarian relating to any condition that is the basis of your request. If your request for review involves an Additional Excluded Condition, you must provide us with medical and surgical records or other documentation from your veterinarian demonstrating that the condition was cured at least six months before the date of your request. Chronic conditions are not eligible for removal. All review decisions are final. Please note that Ms. [redacted] called our customer care department on September 27, 2016 regarding the processing of claim [redacted]. She was advised by our representative to submit records for a dispute review. We did not receive records so a review was never initiated.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Vincent G[redacted]
As I stated previously we were aware of previous damage and it was noted in our inspection however the inspector and another roofing company stated the roof would be ok for a couple more years. We had no water damage in the house prior to winter even when it rained. I gave that report the [redacted] when he was here for adjustment from a roofer. We have hired a roofer already and he will be replacing our roof in a couple weeks. We can't let the water keep coming in damaging our house so the inspection would need to be done soon. What we are upset about is not how the roof was not covered but my complaint in the first place was about how unprofessional, unreliable the company is. We have been lied to multiple times and no communication has been made to us. Also the amount of time it has taken to resolve anything. The main issue is still being ignored despite everything. We were told partial roof would probably be covered. We are not blaming the insurance company for the whole roof. My complaint to the Revdex.com was not about money it was about how Harleysville treats their customers. I will be talking to my lawyer this afternoon for advise on how to proceed.Regards,
[redacted]