Erie Insurance Group

This is in response to your letter o f March 2015, which we received on March 27, 2015, regarding Mr [redacted] concern with our handling and settlement o f the above-referenced windshield claim.A review o f our claim file information reveals that the windshield in Mr [redacted] BMW has been replaced and heis picking this vehicle up from his dealership on March 27, Eric Insurance along with [redacted] will be handling allof Mr [redacted] rental expenses since there appears to have been miscommunication between Erie Insurance and [redacted] This information has been communicated to Mr [redacted] We have also offered our apologies for the confusion.If you have any additional questions, please contact me at ###-###-####

Wrote a check for a used vehicle on June 5th The check cleared my bank on June 6th Dealership refuses to precess title for weeks This was to be a gift to a young couple with a newborn with cystic fibrosis They have no way to get the baby to the hospital for doctor appointments

'sans-serif';">From: [redacted] Sent: Thursday, March 06, 2:PMOn either 3-or 3-I received a page document from Boardman Subaru Page was an invoice for total of for tear down of the carIt also stated that an authorization for a [redacted] to fix the clutch I do not dispute that we did authorize to fix the clutch, however the 450$ charge didn't come up till we surrendered the vehicle after we were promised 500$ for it The invoice had no signature from either the dealer or the customer The second page was a check for $ that of course I didn't cash) Both documents were prepared after the fact , on 2-28-a week after the surrender of the vehicle and one day after I complained to youOn 3-had a phone conversation with Mr Rob Fellman with whom I couldn't reach an agreement and who said " I don't need your snooty attitude or your 500$"

I completed the listed repairs and informed my Erie agent on or before August If their agent did not inform the corporate office of this communication, I am not responsible for thatI did as instructed and notified my Erie Insurance agent.The next communication I received from Erie Insurance was the cancellation notice that I received in November 2014.I have since obtained other coverage for my home owner's insurance and no longer wish for Erie Insurance to reinstate my policyI want to have this incident documented with the Revdex.com in the event of any future class actions that may take place.Regards, [redacted]

Thank you for your letter dated January 26, 2015, received in our office on January 2015, requesting ERIE respond toMrand Mrs [redacted] ’ complaint of ERIE cancelling their Dwelling Policy.In review of our file, the ERIE Underwriting Department received information from the Agent advising that Mr& Mrs[redacted] property was vacant and therefore not owsner occupiedUpon reccipt of this information from the Agent,ERIE issued a Notice of Cancellation letter to Mr& Mrs [redacted] on December 11,due to substantial changeand increase in hazard due to the dwelling no longer being owner occupiedThe letter further indicated it is no longereligible for coverage as written under this policy.On January 26, ERIE received complaint letters from the insured through both the Revdex.com and theIllinois Department oF Insurance, prompting ERIE to further investigate the current status of the propertyUpon theAgent conducting a physical inspection of the propertyERIE determined that the insured property is currently occupiedby the insuredERIE is currently in the process of reinstating Mrand Mrs [redacted] ’ Dwelling Liability Policy with nogap in coverage.Thank you for the opportunity to review and respond to our Policyholder’s complaintIf additional information isrequired, please do not hesitate to contact me directly at ###-###-####.Sincerely, [redacted] ***, ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

Thank you for the letter dated January 22, 2015, received in our office that same date, requesting aresponse to Ms [redacted] request for ERIE to replace her automobile.In review of the ERIE claim file, the following events occurred:On December 6, 2014, an accident occurred when a claimant rear-ended our insured’s automobilecausing physical damageERIE and the claimants insurance carrier found the claimant to be100% liable for this accidentOn December 8, 2014, the ERIE appraiser made contact with Ms [redacted] to schedule an inspectionfor the resulting vehicle damageMs [redacted] advised ERIE’s appraiser she preferred to use herlocal dealership for repairsDuring the conversation, Ms [redacted] inquired about the quality ofrepairs where the ERIE appraiser explained that it was Erie’s responsibility to estimate all of therelated damages within applicable coverage limitsThe appraiser further explained it is theresponsibility of Ms [redacted] and her repair shop of choice, to agree on whether the repairs werecompleted to industry standards and to hersOn January 2, 2015, Ms [redacted] called ERIE’s appraiser explaining that she was not happy withthe repairs completed by her dealershipMs [redacted] explained she had taken the car to the servicedepartment at the local dealer, they checked the vehicle over and test drove it but could not findany problems with the vehicleThe service manager explained to the customer and appraiserthat the car was running as it shouldThe appraiser advised the customer that he would need totake her vehicle back to the body shop to address any quality concerns directlyOn January 5,2015, the appraiser called the dealership body shop and made them aware that thecustomer had concerns regarding their repairsThe shop manager called the customer and madean appointment for her to bring it back in on January 7, The appraiser went to the shop on January 7,and the shop and appraiser reviewed thecustomers list of concernsThe appraiser also rode along on a test drive with the body shopmanager and did not experience the mechanical issues that were mentionedThe appraiser called the customer and advised her of this and explained that the body shop wasworking to correct the quality issues on her list and to let the appraiser know if she was satisfiedonce shop was finishedOn January 9,2015, Ms [redacted] called the ERIE appraiser advising that she was still not happy andstill thinks the car has mechanical issuesThe appraiser suggested she choose another shop ordealer to diagnose those issuesOn January 2015, the ERIE appraiser spoke with Ms [redacted] and they mutually agreed uponhaving another shop examine the repairs.The ERIE appraiser continues to be an advocate for Ms [redacted] for the warranty and quality issues with herdealershipERIE's obligation is to pay for the repairs to the vehicle related to the loss and it is thecustomer’s responsibility to make sure the job is done to her satisfaction at the shop of her choice.Ms [redacted] indicates her desired settlement is to fully replace her vehicleERIE is not required to replacethe automobile, only respond to necessary repairs of her vehicle within provisions of the policyERIEwill continue to be an advocate on Ms [redacted] behalf regarding quality issues with her automobile shop orchoice.Thank you for providing ERIE the opportunity to review and provide a detailed explanation of the claimin questionIf you require additional information or clarification, please contact me at ###-###-####.Sincerely,

This letter is in response to your letter dated and recei ed March 9,Below you will findour response to Mr [redacted] ’s complaint with with your office.On January 17, 2015, ERIE’s insured submitted a claim for hail damage to his home due o astorm on August On January 21, 2015, the adjuster met with the insured and hiscontractor to inspect the homeDuring this inspection, no hail damage was found to the roofshinglesThe adjuster found that the roof shingles granular loss was due to possible defectiveshinglesThere was minor hail damage found on the front gutter and one downspoutERIE theninspected the interior of the home and ound water damage to a bathroom and bedroom.Due to the condition of the roof and the ssibility of a manufacturer defectERIE engagedDonan Engineering for objective findings.On January 2015, Donan Engineering completed their study of the homeWe received thewritten report on February 2,The report summarized the following:• Evidence of up to 2” diameter hail impact was found in the form of dents in thedownspout.• Hail smaller than ‘diameter is incapable of damaging sound dimensional,fiberglass-mat asphalt shingles.• Any hail that has impacted this roof was of insufficient mass and velocity tocompromise the integrity and functionality of these shingles.• No hail damage was found on the roof shingles• No wind damage was found to any of the shingles on this roof.• Balding is evident on the roofThe engineers report from Donan Engineering is enclosed for your review.Mr [redacted] is requesting total replacement of his roof due to hail damageThere is no damageto his roof shingles as a result of hailThe damage is due to balding, which is commonly definedas granule loss on a shingle.It is ERIE's position that there is no hail damage that affected the roof.Settlement was paid in the amount of $4,for hail damage to soft metals — gutters anddownspouts as well as six window screens and interior water damage in the kitchen andbathroomThis payment also included the policy limit for trees taken down by wind.We would be willing to consider any additional documentation that the insured can provide withrespect to this matter.Please be advised that nothing in this letter is intended to waive or alter any of the terms,conditions or defenses under the policy of insurance in question, all of which are expresslyreserved and reaffirmed.We greatly appreciate the opportunity to respond to your inquiry, and hope the informationprovided will assist you in your responseIt you should need any additional informationregarding this matter, please feel free to contact me directly at ###-###-####.Sincerely, [redacted] ***, AINS, AIS, CPIWExecutive AssistantOffice of the President

Prior to January Erie Insurance had sent me a notice that they were cancelling my house insurance because my home was not owner occupiedThis was incorrectIt has been owner occupied for yearsMy agent said there was nothing he could do, so I checked out different companies and found a much better company at a much better rateI reported Erie Insurance in the meantime for this aggravationI called the agent at [redacted] at ###-###-#### and told him I found another company and did not plan to do any further business with ErieAfter all that, Erie sent me a huge bill today demanding paymentThey are crazy!!! I have been with another company since January and do not plan to go back to a company that treated me like thisI want them to get their paperwork straight.I want Erie to straighten out this billingI am not insured with them since they cancelled my policy and I want to do no further business with them after I was treated like thisI want a full apology for all of this aggravationThey cannot even keep their paperwork straight!!

I recently received a quote for auto and renters insurance through Erie Insurance The agent is an acquaintance of mine and I thought I could trust themI gave the agent all of my information and was excited about the amazing rate I received! $139/month with coverage for driving for Uber and Lyft! I told the agent I do have an accident from that didn't seem to be showing on his end, which I thought odd He continued with writing the policy/quoteCome to find out a few days later, as I'm signing the document online, it was for another person with my same name - somehow their system pulled up another person's SSN This should NEVER happen After the underwriter saw the accident, I was dropped, after cancelling coverage with the previous provider I have heard several negative things about this company - dropping insureds for unheard of reasons...I thought I would give them a chance since I am driving for Uber and Lyft on the side I would NOT recommend going to Erie Insurance for any kind of coverage I contacted my old insurance company, [redacted] ***, and they were more than happy to work with me again

Subject: Cancellation of HomeProtector PolicyDear Mr [redacted] This is in response to your supplemental letter of December 29, 2014, which we received by email on that samedate regarding our cancellation of Mr [redacted] s HomeProtector Policy effective December 8,2014.Mr [redacted] states that he telephoned his Agent on August 15, and advised them that the recommendationshad been completed, I spoke with [redacted] Insurance Agency and they acknowledge that Mr [redacted] did call Insoffice on that date and told them all repairs had been completedHowever, when they reinspected the property,the repairs were not done to our satisfaction.Now that Mr [redacted] has secured new insurance, we are closing this file

Subject: ERIE Response to Policyholder Complaint Regarding Premium DueDear Mr***:Thank you for your letter dated April 6,2015, received in our office on April 6,2015, requesting ERIE respond to thePolicyholders’ Complaint regarding current premium due on their Homeowners Policy.Your letter indicated Mrs [redacted] filed a complaint with the Revdex.com back on January 25, SinceERIE reinstated this policy as noted in our previous letter to your office on January 30, 2015, Mrs [redacted] ’ concernshave been resolved.At your request, both the ERIE Agent and this office have contacted Mrs [redacted] directly and she confirms she isextremely satisfied with the level of service she has received from both ERIE Insurance and her Agent ***.If additional information or clarity is required, please contact our office at ###-###-####.Sincerely, [redacted] ***, ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President

I do not concede the accuracy Erie Insurance's version of eventsAs I have since obtained new insurance coverage, I no longer wish to have my old policy reinstated but there has been no resolution or satisfaction in this matter

This letter is in reference to your electronic mail correspondence dated September 25, 2014, which we received on the same date. Our claim file indicates that on July 15, 2014 our insured, Jonah [redacted] reported structural damage to his residence indicating that it was... associated with the neighboring property. Erie Property Adjuster ** [redacted] attempted to contact our insured but found the voicemail box full so a letter was sent requesting Mr. [redacted] to call him back. On July 18, 2014 Mr. [redacted] contacted Mr. [redacted] , who demanded Erie Insurance (“Erie”) send out a surveyor and engineer to evaluate the damages and determine the property lines. Mr. [redacted] opined that his neighbor had built on his property which caused cracks to his residence and subsequently placed his home in danger of collapse. Based on this information Mr. O’ [redacted] engaged the independent engineering firm [redacted] Engineers to complete a cause and origin inspection of the reported damage. Anil [redacted] P.E. completed an inspection and provided a report dated July 30, 2014. Mr. [redacted] ’s findings are as follows: The observed vertical crack on the rear side of the right side brick wall was caused by normal foundation settlement and normal lateral shrinkage of the brick walls. The observed vertical crack growth in the brick wall has slowly progressed over the several years and this condition was not caused by one single weather related event. The observed deterioration of the exterior stucco at rear corner of the right side exterior wall was caused by normal aging deterioration. There is no structural deficiency related to noted spalls in the stucco. The observed stucco deterioration has occurred over the several years and this condition was not caused by one single weather related event. The stucco shall be repaired as part of the normal building maintenance. The observed step crack in the front exterior brick wall was caused by normal foundation settlement over the period of several years. The observed mortar joint deterioration in the ? front exterior brick wall was also caused by normal aging over the years and these conditions were not caused by one single weather related event. We are not certain if the neighboring property is encroaching on the insured’s property. We recommend that the insured hire a licensed surveyor who can clearly identify the property lines to clarify what exact portion of property is owned by the insured. We did not notice any significant structural deficiencies in the building that pose any immediate structural safety concerns. In our opinion, the building structure of the reference property is structurally sound at this time.” Mr. [redacted] was advised of these findings and provided a copy of the report for his review. Mr. [redacted] disagreed with the engineer’s findings and wanted these to be changed. Mr. [redacted] also contacted multiple personnel at the Philadelphia Branch Office demanding the same. It was agreed that a second inspection would be performed by the engineer, Erie Adjuster and Erie Supervisor which is scheduled for September 30, 2014. The purpose of the meeting is to make sure Mr. [redacted] is given every opportunity to voice his concerns and have them addressed. At the conclusion of this meeting Erie will be in a position to make a final coverage determination of the damages reported by Mr. [redacted] in conjunction with the policy language. Please note Mr. [redacted] was advised that any concerns involving encroachment onto his property line is a civil matter and not subject to the terms, duties and conditions of the policy of insurance. We greatly appreciate the opportunity to respond to your inquiry, and hope the information provided will assist you

Subject: ERIE response to policyholder complaint regarding liability and deductible.Dear Mr***:Thank you for your letter dated May 26,2015, received in our office on May 26,2015, requesting ERIE respondto the Ms***'s concern that ERIE's Adjuster assigned liability to her and requires a
$deductible be paidin response to an automobile accident that occurred on January 8, 2015.In review of our file, the following chain of events occurred:Ms*** was the driver in an automobile accident which occurred on January 8, 2015, when she pulledout from a stop sign into traffic making contact with another vehicle.The ERIE Adjuster conducted a thorough investigation of this claim, which included obtaining recordedstatements from both Ms*** and a witnessUpon completion of our investigation, the ERIEAdjuster explained to both Ms*** and her son, that because she had a stop sign and the other driverdid not, Ms*** was found liable for this accident by failing to yield to oncommg traffic and failed todo so.ERIE made payment under Collision Coverage in the amount of$for repairs, and $fortransportation costsERIE paid for this collision loss within policy provisions, less the $500.00deductible amount shown on the declarations page of Ms***'s ERIE Automobile Policy.Ms*** expressed additional concern that she is paying $for three yearsIn review of our claimfile, there is no mention of a $payment that Ms*** would be responsible to make to ERIE.Thank you for the opportunity to respond to Ms***'s concerns regarding communication of this claiminvestigation

From: *** *** *** Sent: Friday, March 14, 11:AM
*** Good morning I wanted to touch base with you on this complaint *** received from *** ***. I have made several attempts to contact her personally with no returnI was hoping to speak with her before I wrote you however that apparently is not going to happenBelow is a record of the transaction in question. The*** Legacy was brought here on 2/17/We quoted a tear down charge to *** *** of $He agreedWe proceeded with the inspection of the vehicleBased on our findings the vehicle needed a new clutchThe cost would *** *** agreed. Upon installation we found that the transmission would need replaced alsoThe cost would be additional $***Based upon damage to the throw out bearing on the transmission. We spoke to Mr.*** againHe claimed his son has been driving it and he did not want to put any more money itHe stated he would rather donate the carWe explained to him the vehicle in it's current condition would be worth $He could pay his service bill of $or we would purchase the car from him for $He agreed to sell the vehicle to Boardman Subaru for the sum of $and signed the titleHe did this in our dealership with our Sales Manager *** ***He fully understood the transaction and there was no complaints nor confusion at that time. Thank You, *** ***, *** *** Boardman Subaru, *** *** *** *** *** *** ***
***

This is in response to your correspondence dated and received April 23, 2015, regarding the handling and current status of Mr*** ***’ claim with ERIE.Our records confirm that the claim was reported to ERIE on May 24, ERIE was made aware of Mr***’ pending injury claim on January 14,
2014.Mr*** was advised of the third party injury process on January 22, during a conversation with ERIE’s liability adjusterA medical authorization form was mailed to Mr*** on January 27, The signed medial authorization was not received and had to be resent on March 14, 2014.Upon being notified by Mr*** that his treatment concluded on June 2, 2014, ERIE’s adjuster requested all medical bills, medical records, and wage loss information for review of his pending bodily injury claimThroughout the process, the adjuster mailed several status letters and placed phone calls with limited return calls or responses from Mr***.As the statute of limitations drew near, the adjuster, as required by state guidelines, called and sent a letter to Mr*** advising him of sameThe adjuster recently obtained the documentation to support Mr***’ injury claim, evaluated the claim and has contacted Mr*** to resolve the claimERIE has negotiated a settlement with Mr*** and is preparing the necessary release and lien information to conclude the settlementThroughout the process, Mr*** has been made aware of the status of his claim.Should you have questions or require additional information please feel free to contact me directly at ###-###-####

This is in response to your letter dated April 14, 2015, which was received in the Office of thePresident on April 15, regarding the above referenced claim.ERIE received notice of a collision claim involving Ms***’s Chevrolet Malibuvehicle identification number *** *** ***
under an ERIE Insurance ExchangeFamily Auto Policy issued to *** ***.The claim was reported to ERIE on March 7, and an investigation of the claim wascommencedThe claim was assigned to a material damage appraiser on March, 9, forinspectionThe inspection was completed on March 11, 2015, at which time the vehicle wasdeemed a probable total lossOn March 23, 2015, the claim investigation was completed andsettlement was authorizedAn offer of settlement for the total loss of the Chevrolet Malibuwas extended and accepted on March 24, 2015.On March 25, 2015, *** Consumer, the lien holder on the vehicle, was contacted for aletter of guarantee as to the loan payoff amountThe letter of guarantee was received on April15, and payment was issued to *** Consumer that same dayAdditionally theremainder of the settlement was overnighted to the insured on April 14, 2015.With regards to the rental concerns raised, the policy issued to Ms*** providedtransportation expense for rental with a $per day limit, not to exceed the $1,policy limit.These are the limits of coverage selected by the insured when she purchased the policy.Furthermore, the policy states:“Transportation Expenses will be provided for up to days per disablement.Payment for Transportation Expenses will end as indicated below, whichever occurs first:No more than days after we offer settlement;On the day the auto is replaced;On the day the auto is returned to you in usable condition; orOn the day the auto could reasonably be expected to be repaired.ERIE provided coverage for a rental until April 7, 2015, which is business days from the dateof settlement offer pursuant to the policy provisionsERIE has paid $1,forTransportation ExpensesThe insured was notified in advance of the last day of authorizedrental being April 7,but she elected not to return the rental until April 9,2015.ERIE has fully reimbursed Transportation Expense pursuant to the policy provisionsERIE firstlearned of the out of pocket rental charges of $on April 15, We will be issuing aformal letter to our insured explaining why these charges are not covered by the policy.Thank you for allowing us to address this inquiryIf you should need any additional informationregarding this matter, please feel free to contact me directly at ###-###-####.Sincerely,*** ** *** **., ACS, AINS, AIS, AU, dCExecutive Assistant IIOffice of the President

This is in response to your letter dated April 13, 2015, which was received in the Office of the Presidenton April 16, regarding the above reference claim,ERIE was notified by *** *** on March 30, that he experienced a loss on March 29, 2015when a toilet backed up in the insured’s
basementThe claim was assigned to ERIE’s adjuster whocontacted Mr*** on March 31, to obtain the details of the loss.Mr*** advised that the toilet was not flushing properly and water was backing up through thewater softener drain in the basementMr*** called *** for servicing, who came out to snakethe line and discovered either a block or break in one of the linesThe adjuster advised that a recordedstatement was necessary for the investigation and that there may be a potential coverage issueAninspection of the property would also need to be completedDuring the conversation, the calldisconnected and the adjuster was unable to again reach Mr*** at that time.On April 10, 2015, ERIE’s adjuster spoke with Mr*** who advised that he had the pipe inquestion manually dug up and that it was brokenMr*** expressed concerns about bacteriagrowing in a corner of his unfinished basementThe adjuster advised Mr*** that ERIE couldprovide the names of mitigation companies and that the area needed to be inspected before coveragecould be determinedMr*** informed the adjuster that he would think about it as the cost ofrepairs/mitigation may be below his $1,deductibleHe advised the adjuster that he would contactERIE later to advise how he wanted to proceedThe adjuster advised Mr*** of his duty tomitigate the damages.ERIE’s adjuster has again attempted to reach Mr*** at the phone numbers provided but has beenunsuccessful in reaching himERIE’s adjuster will be forwarding Mr*** a letter detailing whatadditional information is needed to complete our investigation, determine applicable coverage andproceed with any settlement for any confirmed covered damages. Based on the above, we believe our action to be appropriate and look for your support in this matter.Should you need any additional information regarding this matter, please feel free to contact me directlyat ###-###-####

This is in response to your letter dated November 4, 2014, which was received in the Office of the President on November 5, 2014 regarding a refund due under [redacted] Erie Insurance Company Pioneer Family Auto Policy.
Our records confirm that Ms. [redacted] applied for and was provided...

coverage under the above referenced policy with an original inception date of October 22, 2011. Coverage has been provided annually to the most recent renewal effective October 22, 2014.
As Ms. [redacted] had elected the automatic withdrawal for her premium payments, a payment for the renewal of the policy effective October 22, 2014 was processed on October 20, 2014 to be drawn from Ms. [redacted]’s account for the renewal premium payment. On that same date a request to cancel the policy effective October 20, 2014 was uploaded to ERIE by Ms. [redacted]’s agent. However, as the automatic payment had already been processed, ERIE was not able to stop the withdrawal in the amount of $163.75.
Mr. [redacted]’s Agent contacted ERIE on October 22, 2014 regarding the payment being drawn as Ms. [redacted]’s account had been overdrawn. ERIE issued a check to Ms. [redacted] in the amount of $37.00 as reimbursement for her bank fees associated with her account being overdrawn.
A refund is currently pending on Ms. [redacted]’s account. I have spoken with Ms. [redacted] and confirmed that she would like the refund sent electronically to her account. We are processing her request today and the funds will be available to her within 24 hours.
If you should need any additional information regarding this matter, please feel free to contact me directly at ###-###-####

Dear Ms. [redacted]:Thank you for your letter dated January 16, 2018, received in our office on January 17, 2018. You request ERIE review and respond to the insured’s concerns cancellation of her homeowner’s insurance policy as she obtained replacement coverage with another insurance carrier.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premium. ERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policy. Below you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effect. We may waive these requirements by confirming the date of cancellation to you in writing.As stated in our prior letter to your office, ERIE may consider backdating the cancellation of this policy in the event Ms. [redacted] is able to provide proof of replacement coverage from another insurance carrier.We believe we have provided the information to assist with your investigation into the insured’s concerns. If you require additional information clarity, please contact our office at [redacted], extension [redacted].Sincerely,Stephen *. R[redacted] Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution ExaminerOffice of the President