Direct Auto Insurance Company

Initial Business Response / [redacted] (1000, 6, 2015/09/18) */ The Policy of Insurance here involved is a private passenger [redacted] policyWe are in receipt the complaint filed by Mrs [redacted] and have reviewed the fileThe complaint is based on a null and void of a policy issued to Mr [redacted] due to undisclosed information on the policy on Insurance under policy number XXXXXX This loss occurred on July 26, and was reported to our company on July 27, by Mrs [redacted] At this time all necessary documents were sent to all parties involved During our coverage Review it was found that Mrs [redacted] failed to disclose her motor vehicle history report which includes a previous suspension Direct Auto Insurance requires for all Prior Suspensions and Revocations to be disclosed on the application for insurance Due to this information not disclosed, the policy of insurance issued to Mrs [redacted] was Null and Void from inception and we are unable to assist her with this claim If your department should need anything further please let us know

Initial Business Response / [redacted] (1000, 14, 2015/06/10) */ This loss occurred on 4/5/and was reported to Direct Auto Insurance on 4/7/At which point all necessary documentation was mailed to Mr [redacted] Direct Auto Proceeded with a coverage review and ordering all necessary documents as needed to proceed with the claim, which included an estimate of the Insured vehicle and a Police Report Once all the documents were received, on April 28, 2015, the repairs to Mr [redacted] vehicle were authorized Direct Auto Insurance followed Company and State procedures to finalize this claim and to ensure that Mr [redacted] was given the best customer service possible

Initial Business Response / [redacted] (1000, 5, 2015/06/24) */ The Policy of Insurance here involved is a private passenger automobile policy. We are in receipt the complaint dated 6/12/2015 and have reviewed the file. The complaint is based on an additional premium owed due to undisclosed information... on the policy of Insurance issued to Mrs. [redacted] under policy number XXXXXX. Mrs. [redacted] was involved in an automobile loss which occurred on April 13, 2015. This loss was reported to our company on April 13, 2015 by Mrs. ***. At this time all necessary documents were sent to all parties involved. During our coverage Review it was found that Mrs. [redacted] failed to disclose all Household Members. At which point Mrs. [redacted] was notified and the information was discussed. Mrs. [redacted] claimed she was not aware of any additional members in her household and did not know [redacted] ***. Direct Auto Insurance requires for all Household Members over the age of 15 to be listed on the policy of insurance as active or excluded drivers. The premium to have [redacted] on the policy would have been $355.00. Since she was not listed on the policy from inception and is a household member, there is a surcharge of 300%. The amount owed which was deducted from this loss is $2775.00. The amount of the estimate from that loss is $2395.33, less Mrs. [redacted] $500.00 deductible, and less depreciation of $72.54, and less the additional premium of $2775.00 leaves a negative $952.21. Therefore no payment will be made on this loss unless the damage supplement exceeds $952.21. Mrs. [redacted] recently admitted she knows who the undisclosed household member is and has sent proof of address for [redacted] effective May of 2015. Direct Auto has requested proof of residency to show were [redacted] lived from the inception date of the policy which is December 5, 2014. To date the proofs have not been received. Once the documents are received we will review the information and determine our position on this claim. If your department should need anything further please let us know.

Initial Business Response /* (1000, 5, 2015/09/18) */
The Policy of Insurance here involved is a private passenger automobile policyWe are in receipt the complaint filed by Mrs*** and have reviewed the fileThe complaint is based on an authorization for repairs
Mrs*** was involved
in an automobile accident on 08/19/This loss was reported to our company on 8/20/by Mrs***At this time all necessary documents were sent to all parties involved
A review of coverage was performed and it undisclosed information was found which materially affects the rating of the policy issued to Mrs***
Once the information was confirmed not accurate Mrs***'s repairs were approved on 9/15/All documents were sent to the repair facility and mailed to the insured
Direct Auto Insurance ensures prompt and professional serviceWe do have a policy that has to be followed and we feel that Mrs***'s claim was handled properly
If your department should need anything further please let us know

Initial Business Response /* (1000, 14, 2015/09/18) */
***Document Attached***
The Policy of Insurance here involved is a private passenger *** policyWe are in receipt the complaint filed by Mr*** and have reviewed the fileThe complaint is based on an authorization for repairs
The loss was on March 7, and reported on March 9, and all documents were sent to the insured on that dateOnce the investigation was completed Direct Auto had the vehicle towed to a repair shop in GeorgiaPlease find the attached e mail from the repair shop in Georgia, where the insured had the accident, stating that the vehicle is a total lossAlso attached is an assignment to have the insured total loss paperwork delivered to him, since we have been unable to receive a return call from the insuredOnce we have contact with the insured the loss will be settled
The insured vehicle is currently located at *** *** at *** Loganville, GA XXXXX phone number XXX-XXX-XXXX and lot number XXXXXXXXWe have been unable to contact the insured, Mr***, Direct Auto has to send an investigator to the insured home numerous times because he would not return calls
After many attempts we have received the necessary documents for the settlement of Mr***'s total lossThe settlement Draft has been mailed to his Title Holder
If your department should need anything further please let us know

Initial Business Response /* (1000, 5, 2015/08/17) */
The Policy of Insurance here involved is a private passenger automobile policy. We are in receipt the complaint filed by Mr. [redacted] and have reviewed the file. The complaint is based on an authorization for repairs.
Mr. [redacted] was...

involved in a Hit and Run automobile accident on July 12, 2015 (not May 12, 2015 as stated in his complaint). This loss was reported to our company on July 13, 2015 by Mr. [redacted]. At this time all necessary documents were sent to all parties involved.
A Hit and Run accident requires a police report within 24hrs. The police report was filed by Mr. [redacted] on 7/12/2015 and was ordered by our office on 7/13/2015.
The police report was received in our office on August 4, 2015 and it was reviewed.
Mr. [redacted]s Repairs were authorized on August 7, 2015 at which point he was notified to contact the repair facility to complete any necessary paper work the repair facility might need to proceed with his repairs. A copy of the authorization and estimate of repairs was also mailed to Mr. [redacted] on that date.
Direct Auto Insurance ensures prompt and professional service. We do have a policy that has to be followed and we feel that Mr. [redacted]s claim was handled properly.

If your department should need anything further please let us know.

Initial Business Response /* (1000, 11, 2015/08/11) */
Please be advised that the complainant is a Texas Resident. Direct Auto Insurance only insures in Illinois. I do not believe this complaint is intended for Direct Auto Insurance located at 330 S Wells St Chicago IL 60606. Direct Auto Insurance...

(Chicago) does not show any records for Mrs. Tillman.
Please remove from our records. Thank you
If your department should need anything further please let us know.

Initial Business Response /* (1000, 6, 2015/09/18) */
The Policy of Insurance here involved is a private passenger [redacted] policy. We are in receipt the complaint filed by Mrs. [redacted] and have reviewed the file. The complaint is based on a null and void of a policy issued to Mr. [redacted] due to...

undisclosed information on the policy on Insurance under policy number XXXXXX.
This loss occurred on July 26, 2015 and was reported to our company on July 27, 2015 by Mrs. [redacted]. At this time all necessary documents were sent to all parties involved.
During our coverage Review it was found that Mrs. [redacted] failed to disclose her motor vehicle history report which includes a previous suspension.
Direct Auto Insurance requires for all Prior Suspensions and Revocations to be disclosed on the application for insurance.
Due to this information not disclosed, the policy of insurance issued to Mrs. [redacted] was Null and Void from inception and we are unable to assist her with this claim.
If your department should need anything further please let us know.

Initial Business Response /* (1000, 14, 2015/06/10) */
This loss occurred on 4/5/2015 and was reported to Direct Auto Insurance on 4/7/2015. At which point all necessary documentation was mailed to Mr. [redacted].
Direct Auto Proceeded with a coverage review and ordering all necessary documents...

as needed to proceed with the claim, which included an estimate of the Insured vehicle and a Police Report.
Once all the documents were received, on April 28, 2015, the repairs to Mr. [redacted] vehicle were authorized.
Direct Auto Insurance followed Company and State procedures to finalize this claim and to ensure that Mr. [redacted] was given the best customer service possible.

Initial Business Response /* (1000, 14, 2015/09/18) */
The Policy of Insurance here involved is a private passenger [redacted] policy. We are in receipt the complaint filed by Mr. [redacted] and have reviewed the file. The complaint is based on a null and void of a policy issued to Mr. [redacted] due to...

undisclosed information on the policy on Insurance under policy number XXXXXX.
This loss occurred on April 11, 2015 and was reported to our company on April 13, 2015 by Mr. [redacted]. At this time all necessary documents were sent to all parties involved.
During our coverage Review it was found that Mr. [redacted] failed to disclose all Household Members. At which point he was notified and the information was discussed.
Direct Auto Insurance requires for all Household Members over the age of 15 to be listed on the policy of insurance as active or excluded drivers.
Due to this information not disclosed, the policy of insurance issued to Mr. [redacted] was Null and Void from inception and we are unable to assist him with this claim.
If your department should need anything further please let us know.

Initial Business Response /* (1000, 5, 2015/06/24) */
The Policy of Insurance here involved is a private passenger automobile policy.
We are in receipt the complaint dated 6/12/2015 and have reviewed the file. The complaint is based on an additional premium owed due to undisclosed information...

on the policy of Insurance issued to Mrs. [redacted] under policy number XXXXXX.
Mrs. [redacted] was involved in an automobile loss which occurred on April 13, 2015. This loss was reported to our company on April 13, 2015 by Mrs. [redacted]. At this time all necessary documents were sent to all parties involved.
During our coverage Review it was found that Mrs. [redacted] failed to disclose all Household Members. At which point Mrs. [redacted] was notified and the information was discussed. Mrs. [redacted] claimed she was not aware of any additional members in her household and did not know [redacted].
Direct Auto Insurance requires for all Household Members over the age of 15 to be listed on the policy of insurance as active or excluded drivers.
The premium to have [redacted] on the policy would have been $355.00. Since she was not listed on the policy from inception and is a household member, there is a surcharge of 300%. The amount owed which was deducted from this loss is $2775.00.
The amount of the estimate from that loss is $2395.33, less Mrs. [redacted] $500.00 deductible, and less depreciation of $72.54, and less the additional premium of $2775.00 leaves a negative $952.21. Therefore no payment will be made on this loss unless the damage supplement exceeds $952.21.
Mrs. [redacted] recently admitted she knows who the undisclosed household member is and has sent proof of address for [redacted] effective May of 2015.
Direct Auto has requested proof of residency to show were [redacted] lived from the inception date of the policy which is December 5, 2014. To date the proofs have not been received.
Once the documents are received we will review the information and determine our position on this claim.
If your department should need anything further please let us know.