Day Insurance

The complainant came into our location to purchase a homeowners insurance policy, proceeded to purchase the policy and paid in fullShortly thereafter they stated they wanted to cancel their policy due to a spelling error in their last name from a 'B' to a 'P'The complainant was informed that their name could be ch***d and corrected but they refused the service and only wanted to cancelThe policy was already in motion for an inspection on their property due to the guidelines of the company they were listedOnce the inspection process begins it must be completed regardless of any cancellation requestsThey were concerned about the nonrefundable inspection fee which does not come from our office but from a third party vendor, all questions were answered about the inspectionTheir was a cancellation notice signed and sent to the companyIt can take up to sixty days fro a refund after the inspection process is completeThe actual insured never returned to our office from the time of purchase, only the spouse whom was not listed on any paperworkWe tried to be accommodating to this person but Texas state laws and company rules prevent us from releasing out information to unknown and unlisted personsRefund has been scheduled and will be sent accordingly minus the fees that are nonrefundable

Complaint: [redacted] I am rejecting this response because:I have not spoken to [redacted] ***, so there is no way she could have spoken to me three times...prove it...bet my phone # will not show up on any of her records....especially not three times...my guess is she has not spoken to any of the office personnel because they have given me the run around for months they know it and we know it they have always claimed that their customer was covered, AND the investigating officer called the office and they told him that the customer was insured!! So I will call the police department, get the accident report revised, have their customer ticketed for no insurance I did not file with my insurance, whom I have talked to several times, because I have to pay my deductible and that is unacceptable!! Come to think of it the denial letter was not from [redacted] , it was from a different company...I will check on that We know that Day Insurance does not actually pay the claims, obviously, but they should be responsible for correct information and timely responses don't they even know if their own customer is covered they told us for two months that he was (they-does not include [redacted] , she never talked to me) I was told by two of their employees to get police reports and estimates and they would take care of us Why would they even tell me that and give us the run around all this time, claim they made all these phone calls and emails, if they knew he wasnt covered They dont know or just dont care??? did they receive a denial letter from American?? that should be in their customers file? When (if) they received their denial letter, why then did they continue to say they were emailing with a third party to help in resolution? None of this is factual or acceptable Mr [redacted] said the insurance company sent him a check and his truck got fixed? so if he wasn't covered how did that happen!!! Regards, [redacted]

Dear Revdex.com,I have spoken with Mr*** ***, Personally at least three timesI advised Mr *** *** when he received the denial letter from *** *** ***, to call his insurance company and file the claimFor the minimal damage to his back bumper He refuses to do soI
explained in detail what actions are taken when you file a claim with your insurance carrier.We at Day Insurance are not responsible for paying claimsWe are not licensed claims adjustersWe provided Mr*** *** with the appropriate information at least three timesAt this point we have have exhausted all optionsHe is more then welcome to call me three times a day but he is going to get the same response each time.The customer did not have coverage at the time of the accident, that is why he received a denial letter from *** *** ***.Mr*** *** states he has never received a promised returned phone callThat is incorrectThank you *** ***

Dear Revdex.com,Ms, [redacted] came in purchased an insurance policy from [redacted]. In September the same day, Ms [redacted] request the policy be canceled. When you purchase an insurance policy. There is something called earned premium.An earned premium is the amount of total premiums collected by...

an insurance company over a period that have been earned based on the ratio of the time passed on the policies to their effective life. This prorated amount of "paid in advance"premiums have been earned and now belong to the insurer.[redacted]. did receive Ms [redacted] money, had they not, no policy would have been issued, and she would not be getting a letter asking for earned premium.Ms [redacted] will have to contact [redacted] at [redacted] for any issues about the letter received.I will see to it that the refund is sent to Ms [redacted]. I apologize for any inconvenience this may have caused.Thank you,

Complaint: [redacted]
I am rejecting this response because:I have not spoken to [redacted], so there is no way she could have spoken to me three times...prove it...bet my phone # will not show up on any of her records. ....especially not three times...my guess is she has not spoken to any of the office personnel because they have given me the run around for months.  they know it and we know it.  they have always claimed that their customer was covered, AND the investigating officer called the office and they told him that the customer was insured!!  So I will call the police department, get the accident report revised, have their customer ticketed for no insurance.  I did not file with  my insurance, whom I have talked to several times, because I have to pay my deductible and that is unacceptable!!  Come to think of it the denial letter was not from [redacted], it was from a different company...I will check on that.  We know that Day Insurance does not actually pay the claims, obviously, but they should be responsible for correct information and timely responses.  don't they even know if their own customer is covered.  they told us for two months that he was (they-does not include [redacted], she never talked to me).  I was told by two of their employees to get police reports and estimates and they would take care of us.  Why would they even tell me that and give us the run around all this time, claim they made all these phone calls and emails, if they knew he wasnt covered.  They dont know or just dont care??? did they receive a denial letter from American??   that should be in their customers file?  When (if)  they received their denial letter, why then did they continue to say they were emailing with a third party to help in resolution?  None of this is factual or acceptable.  Mr [redacted] said the insurance company sent him a check and his truck got fixed?  so if he wasn't covered how did that happen!!! 
Regards,
[redacted]

The complainant came into our location to purchase a homeowners insurance policy, proceeded to purchase the policy and paid in full. Shortly thereafter they stated they wanted to cancel their policy due to a spelling error in their last name from a 'B' to a 'P'. The complainant was informed that...

their name could be ch[redacted]d and corrected but they refused the service and only wanted to cancel. The policy was already in motion for an inspection on their property due to the guidelines of the company they were listed. Once the inspection process begins it must be completed regardless of any cancellation requests. They were concerned about the nonrefundable inspection fee which does not come from our office but from a third party vendor, all questions were answered about the inspection. Their was a cancellation notice signed and sent to the company. It can take up to sixty days fro a refund after the inspection process is complete. The actual insured never returned to our office from the time of purchase, only the spouse whom was not listed on any paperwork. We tried to be accommodating to this person but Texas state laws and company rules prevent us from releasing out information to unknown and unlisted persons. Refund has been scheduled and will be sent accordingly minus the fees that are nonrefundable.