Erie Insurance Group

Dear Ms. [redacted]:Thank you for your letter dated January 1, 2018, received in our office on January 2, 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.Upon receipt...

of your letter to our office, we contacted the insured’s representing ERIE Agent who confirmed at no time did their office receive a written request to cancel the above captioned policy. ERIE will consider backdating the cancellation of this policy in the event Ms. [redacted] is willing 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

I do not concede the accuracy Erie Insurance's version of events. As 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.

Dear Ms. [redacted]This letter is in response to your correspondence dated November 14, 2017, and received in our office on November 14, 2017, regarding Mr. [redacted]’s complaint related to an accident occurring October 1, 2017.This accident in which [redacted] was involved took place on October 1,...

2017 at the intersection of Lober Street and Washington Lane in Philadelphia, PA. The claim was received by ERIE on October 10, 2017 and assigned to Liability Adjuster Shannah B[redacted] and Liability Supervisor Kimberly H[redacted]. ERIE Policyholder [redacted] reported the loss and provided information that indicated [redacted] ran a red traffic light causing this motor vehicle accident.On October 11, 2017, a letter of representation was received from attorney [redacted] stating that he was representing Mr. [redacted] in reference to this claim.ERIE obtained a statement from our Policyholder Mr. [redacted] on October 11, 2017. Mr. [redacted] advised in his recorded statement that while stopped at the intersection of Washington and Lober, Mr. [redacted] was attempting to proceed through the intersection while the traffic signal was red. As a result of running the red light, Mr. [redacted] struck Mr. [redacted]’s vehicle which was at a complete stop.On October ^ 2017, the attorney for Mr. [redacted] had called and requesting status of the investigation. He was advised that the investigation was pending and that the police report was needed to finalize the investigation. The attorney had stated that he would also request a copy of the police report and, once obtained, get back in touch with ERIE.A woman named [redacted] called ERIE on October 27, 2017 and left a voice mail for the Liability Supervisor Kim H[redacted] advising that she was a witness to the accident and wanted to provide a statement. Kim H[redacted] sent a note to the handling adjuster Shannah B[redacted] to contact the witness. Shannah B[redacted] attempted to call [redacted] and a message was left.The attorney for Mr. [redacted] provided a copy of the police report on November 16, 2017. The police report was filed the following day after the accident by Mr. [redacted] only. There is no information listed for Mr. [redacted]. There was no version provided to the police to reflect Mr. [redacted]’s version of the accident. The report notes a witness named [redacted], but provides no last name or address.The current status of the liability investigation is pending. Mr. [redacted] is claiming that Mr. [redacted] ran a red light and struck his stopped vehicle. Mr. [redacted] provided a statement to the police that Mr. [redacted] turned into his vehicle. The police report was filed by Mr. [redacted] only. The witness is listed as [redacted] only, and no statement has been obtained to date. Furthermore, this witness information was provided by Mr. [redacted] only and not in the presence of the police. Based on the information available to date, there is no clear indication as to which party is at fault for this loss.As a result, the investigation continues with attempts to reach the witness for a statement and determine her credibility. If the witness cannot be reached, a final decision will be made based on the information obtained to date.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at [redacted].Sincerely,Karen A[redacted], CPCU, AIM, AINS, AIS, CPIW Executive Resolution Consultant Office of the President[redacted]

This is in response to your letter dated and received May 18, 2015 regarding Mr. [redacted]’s complaint related to
the settlement paid for property damages associated with an accident occurring March 6, 2014.
Our records confirm the Dillon [redacted] obtained coverage under an Erie Insurance Company of...

New York Auto
Policy with an original inception date of April 14, 2013. At the time of application, Mr. [redacted] appointed ERIE
as Attorney-in-Fact by acceptance of the subscriber’s agreement. By acceptance of the Subscriber’s Agreement
Mr. [redacted] appointed ERIE as Attorney-in-Fact with the power to adjust and settle losses and claims under the
policy.
On March 6, 2014, Mr. [redacted] filed a claim with ERIE for an accident occurring that same date. Mr. [redacted]
advised that he had struck a guardrail. He stated that he was not claiming damages for his vehicle and was
advised at that time that ERIE would await an invoice for the guardrail and settle the damages. The notes do not
reflect that Mr. [redacted] requested that he be contacted upon receipt of the invoice.
On April 14, 2014 the claim was closed as no invoice had been received. On May 13, 2014, ERIE’s adjuster
advised Mr. [redacted] that to date no invoice was received.
On June 11, 2014 an invoice from the state of New York was received by ERIE for damages to a guardrail in the
amount of $837.59 and payment was issued under Mr. [redacted]’s policy for the property damages.
On June 4, 2015 Mr. [redacted] contacted ERIE and inquired as to whether or not he could reimburse ERIE for the
paid claim. He was advised at that time that ERIE would not accept reimbursement for the property damages paid
the prior year and that by filing the claim he was authorizing ERIE to act on his behalf to settle any property
damages in accordance with the provisions of the policy. The adjuster also advised him that she could not
feasibly watch for invoices on all claims and notify our policyholders when they were received.
In accordance with the provisions of the policy and as Attorney-in-Fact as appointed by Mr. [redacted] at the time of
application, we believe we have settled the damages associated with the loss occurring March 6, 2014 properly
and reimbursement will not be accepted.
If you should need any additional information regarding this matter, please feel free to contact me directly at
###-###-####.
Sincerely,
[redacted], AINS, AIS, CPIW
Executive Assistant II
Office of the President

I had the misfortune of being hit by a lady on 11/09/2015 with Erie Insurance. I have never been treated with such disrespect from day one. I was contacted by "Christy" late that afternoon with an assurance that someone would be contacting me the next day to go over what needed done and the information about the claims adjuster's schedule. There was no call. I called her the next day and was verbally chastised for not calling her! When I mentioned that I wouldn't know any of the information she was to talk about, especially the adjuster's schedule she basically called me a liar! When I then informed her that I would not be taking my car to a shop she had stipulated she really became hostile and I felt threatening. I knew that legally I had the right to go anywhere I chose but that didn't matter. I felt She not only down played the conversation I had with [redacted] at [redacted] in Grove City, Ohio but also tried to strongly recommend I not go there as if they wouldn't do as good a job. I was so disgusted with her that I would not deal with her any longer and went to her supervisor instead. I was still given the run around when it came to the adjuster's schedule. On three separate days I was told he would be calling me to set up a time to look over my car but he assured me he wasn't even aware of it until five days after the accident. I am livid over the treatment I received over an accident that I DID NOT cause and yet had to pay for with all this emotional mess. Whatever happened to treating someone with respect and understanding especially when the reason for the contact was no fault of that person? I am so glad that I do not have Erie as my insurance company because if they treat ME like this I can't even imagine what it would be like if II had caused the accident. If this type of experience has happened to others, and I can't help but think it has, I am so sorry!

Review: In May of 2016 Erie Insurance took out money for our auto and renters insurance on the 31st. Then the following day it was credited back to our account and according to what I understand it came back as an NSF and it was not. also when I called the Insurance Company I deal with they said that I was ok. Well about a week or 2 later I was told that I am 2 months behind.

Again On May 31st 2016 it happened again and this was for 2 months. I am fed up.

[redacted] at ** said that he has all proof of what happened. I am ready to sue for the stress of knowing that my bill was paid and then being told oh no you owe 2 months.

I am fed up with this.Desired Settlement: I want May and June bill dismissed and credited if the issue gets straightened out.

If this is not done and taken care of I will be contacting the Attorney Generals office.

My husand and I are Fed up.

I faxed the corporate office a letter and decided not to wait to file.

we are fed up.

Business

Response:

This is in response to your letter of June 2, 2016, which we received on that same day. We also received a letterfrom Mrs. [redacted] on June 2, 2016, expressing her concerns that whenever Erie Insurance attempts to debit theirbank account to collect their insurance premium payments, it continues to be returned as “ non-sufficient funds” .Upon receipt of both correspondences, our Billing Supervisor contacted [redacted] and spoke with theirrepresentative, [redacted]. He explained that the [redacted] had placed a '‘stop pay” on their bank account not to allowany payments to draft from their account for Erie Insurance. The [redacted] representative agreed to lift the stoppayment code, which will now allow Erie Insurance to collect the payments from the [redacted]. They were alsogoing to be calling Mr. and Mrs. [redacted] to confirm this information.[redacted] from [redacted] will reach out to Mr. and Mrs. [redacted] and advise that the situation has been resolved andERIE should no longer receive “ non-sufficient fund” returns from their bank.Based on the information provided, we believe the complaint which has been registered with your office is nowresolved. If you have any further questions, please contact me at [redacted]

Review: I was involved in accident which I was not at fault at. Since the party at fault did not have enough coverage I had to use my own insurance (Erie). The estimate from Erie came significantly lower, they issued check for less than 50% of what the other insurance estimate was. More over the material damage agent Geryl B[redacted] told the shop multiple lies that the check was canceled, etc to make them stop car fix.

When I called and talked with his supervisors I was told that this is all my fault that the car is in the shop they have approved to be repaired at. I had been repeatedly asked if the car is still in that shop or I had moved it to another one (cheaper?).

The supervisor Steve was very rude, screamed at me and was telling me that it is all my fault that the car is not being fixed even if the police report said that the other party was at fault.

I had repeatedly said and later submitted over e-mail information on aftermarket parts on the car, yet the was no trace of these on estimate from Erie. The estimate contained obvious errors, for example it was processed as "comprehensive" instead of "uninsured/under-insured motorist", just because the deductible on comprehensive coverage is higher. My verbal complains were consistently ignored and not recorded.

The overall impression was that the adjusters are under the pressure to cut payouts, they were out pinch the pennies, at any cost.

This is all has been a nightmare. I have 50mi one way commute to work. It has been over 7 weeks and the repairs on the car have not started yet.

This complain is about Erie Silver Spring office in Maryland.Desired Settlement: Get my car fixed!

Business

Response:

This is to confirm receipt of your letter dated June 7.2016, received in our office that same day. You requestERIE review and respond to the insured's concerns regarding the handling of their claim occuring April 23.In review of our file, the following chain of events occurred:A claim occurred on April 23,2016, then another vehicle made contact with our insured's vehiclecausing damage. ERIEs claim investigation determined the other driver to be a fault and liable for ourinsured’s damages. Because the otherat—fault driver held insufficientproperty damage liability limitsunder their own insurance policy, the insured made a claim under the ERIE policyOur insured's expressed concern stating they believed that ERIE’s Material Damage Adjuster provided alow estimate for repairs and lied about canceling the settlement check. ERIE spoke to Mr. [redacted] onMn’ 10. 2016. regarding his concerns regarding agreed to reevaluate vehicle damages.Upon further investigation, the auto repair facility discovered addtional damages where ERIEdetermined the vehicle to be a total loss.• Mr. [redacted] currently disputes the valuation of Ins vehicle and the decision to determine his vehicle tobe a total loss. ERIE’s Adjuster has left telephone voicemail messages for Mr. [redacted] through earlyJune and most recently on June 7,2016. ERIE has not received a response from Mr. [redacted] to thispoint.• ERIE stands ready to service this claim for Mr. [redacted]. lfthe insured is able to provide additionalqualified estimates in supporting his position on valuation, we would request he present those estimatestor further consideration.While it is never a pleasure to receive a letter from a policyholder expressing their dissatisfaction with thehandling of any claim, we have a duty to all of our policy holders to only pay for damages that are covered underthe insurance policy.We appreciate you providing ERIE the opportunity to review and respond to Mr. [redacted]s concerns andprovide additional support to our insured. If you have any additional questions or concerns, please contact ouroffice at [redacted]Sincerely,Executive Assistant IIOffice of the President

Review: My wife was in an accident. When we called to file the claim I was informed that our policy had lapsed. I was told that we were behind a payment and that they had sent us a notice and cancelled our policy on the 28th. I never saw the notice, they never tried to contact me in any way. After being a loyal customer with this company for about 10 years it seems like the least we deserved was a phone call to ask if everything was ok or to give a final notice or an opportunity to make the account right. If the accident hadn't happened, I feel that the company would have been pleased to continue to carry our account. Instead they told us thanks for your business and sorry that we were having a rough day.Desired Settlement: I would like the company to cover the expenses we are about to incur from the result of this accident. Otherwise I would like a refund on the premiums that I paid for the last ten years. If the company refuses to be there when we need them, then they should not benefit from all the money that we paid them when we didn't need them.

Business

Response:

This is in response to your letter dated October 15, 2013, which we received on the same date.

The above-referenced Automobile and HomeProtector Policies are billed under our Account Billing Program,

meaning that there is one invoice sent and the payment is applied to both policies proportionately. The customer

elected this payment plan which is a ten-month pay plan beginning each November. This year, the customer was

up to date with their payments until March 2013. The payments due for March 24 and April 24 were not paid,

and a cancellation notice was issued for May 31, 2013. A payment was made on May 29, 2013, and that

cancellation was rescinded.

With regard to this current cancellation, we invoiced the customer on June 3, 2013 for a due date of June 24,

2013 in the amount of $146.90, which was not paid. On July 3, 2013, we sent a past due notice and requested

payment by July 24, 2013 in the amount of $273.80. That amount includes both the June and July payments. On

July 8 ,2 0 1 3 , we received one payment of $147.00. Another invoice was sent dated August 5, 2013 in the amount

of $243.04 (July and August payments) due on August 24, 2013, but no payment was received. A cancellation

notice was issued on August 27, 2013, naming a cancellation date of September 28, 2013 unless $315.21 was

paid by that date. Since the payment was not received prior to the cancellation date, both the Auto and Home

policies canceled as indicated in the cancellation notice.

Unfortunately, Mrs. [redacted] was involved in an accident after the policy terminated. Because there was no

coverage in effect, we can’t provide coverage for that claim.

We regret that our customer is dissatisfied; however, we provided proper notification prior to canceling the

policy on September 28, 2013. If further information is needed, you may contact me at ###-###-####.

Sincerely,

[redacted], API AIS, AINS, CPIW

Executive Assistant II

Office of the President

Consumer

Response:

I understand the companies policies and process. My complaint was not with the company that fulfills the policy but with the agency who sold and managed the policy. As a customer of theirs for 10 years I was aggravated that they unwilling to call and check on us when the policy was about to lapse/lapsed to see if they could do anything. They were more than happy to collect money from us for ten years when we didn't need anything from them and had they just contacted us to let us know something bad happened it would have been resolved instead of the policy lapsing. I did not get the final notice and so were unaware that there was an issue until the accident happened. As someone who works in a customer service field I am appalled at how this was handled from their end. I talked to mills insurance in august and they didn't say anything about there being an issue with the policy.

Regards,

Review: On jaunary 8th I had a accident with a lady name [redacted]. I called the police to switch information about the car. When I ask her for her information she said she had no license no paperwork about car and she left the accident. I called erie insurance and they said since I was at the stop that I was the cause of the accident. I told them that I had a police report and a witness u was ms.cristan [redacted] ate the red light driving faster then the school zone mph. I have a dc number with district 26. The insurance didn't want to listen to the witness. I also have the case # with erie insurance . Since erie said it was my fault I have to pay 31.00 plus the insurance and they made me pay a 500 dollar ductableDesired Settlement: I want them to refund me the 500 dollar ductable and to take away me paying the 31.00 for 3 years

Business

Response:

Subject: ERIE response to policyholder complaint regarding liability and deductible.Dear Mr. [redacted]:Thank you for your letter dated May 26,2015, received in our office on May 26,2015, requesting ERIE respondto the Ms. [redacted]'s concern that ERIE's Adjuster assigned liability to her and requires a $500 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. [redacted] 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. [redacted] and a witness. Upon completion of our investigation, the ERIEAdjuster explained to both Ms. [redacted] and her son, that because she had a stop sign and the other driverdid not, Ms. [redacted] 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$1603.66 for repairs, and $182.14 fortransportation costs. ERIE paid for this collision loss within policy provisions, less the $500.00deductible amount shown on the declarations page of Ms. [redacted]'s ERIE Automobile Policy.Ms. [redacted] expressed additional concern that she is paying $31.00 for three years. In review of our claimfile, there is no mention of a $31.00 payment that Ms. [redacted] would be responsible to make to ERIE.Thank you for the opportunity to respond to Ms. [redacted]'s concerns regarding communication of this claiminvestigation

Review: Me and my husband had purchased insurance from Erie Insurance Company, through an agent, [redacted] in Streetsboro, Ohio, for our cabin located in Carrollton, Ohio. We also used the same Insurance Company and Agent for our 2012 Nissan Rogue auto insurance. I recently realized that I had not received an updated auto insurance card for coverage, so I called my agent on Saturday 6/20/15 and their office was closed. So I called Erie Insurance directly and spoke with their customer service department. I was informed that I had been driving without auto insurance for several months and was never notified that it expired. The new bill, card, expiration notice was sent to our cabin and returned to Erie Insurance as undeliverable. That is because there is no mail box or mail that can be delivered to our cabin. Our agent was aware of this and aware that we needed our mail forwarded to our Florida address. Upon further research with the Customer Service agent at Erie Insurance, it was discovered that our Cabin insurance was also going to be cancelled on 6/21/15 and was considered a non-renewable policy. When I asked why this was, I was told to call on Monday and speak to the Office of the President and ask why this happened. They would not even allow an extention of a mere few days so we could rectify the situation. We were told no...they cannot do that because it is flagged non-renewable. Again, we were never notified as all correspondence was sent to the wrong place.When I called the Office of the President this morning (6/22/15), I was informed that the paperwork, along with the photos, from the inspection that took place on 7/28/14, was of the totally INCORRECT residence. It was of a white structure, with brown trim and shingled roof. There were 5 points that needed corrected for reinstating our policy, mainly relating to the shingled roof. Our cabin is Reddish Brown in color, with white trim and with a METAL roof. We were cancelled due to a false report filed from their inspector.Desired Settlement: I am not sure that there is anything that can be done. I spoke to [redacted] at Erie Insurance, in the Office of the President. She was professional in her conduct but very stand-offish and acted as if Erie Insurance was not responsible for their error. They said there was no address posted, but they could have checked with our agent or the city of Carrollton if they needed verification. It is inexcusable and I do not want this to happen to anyone else. I will get quality service elsewhere.

Business

Response:

This is in response to your letter dated July 2, 20)5, which we received on the same date.The inception dale of this Erie Secure Home Policy was June 21, 2014. This property was written as a secon aryhome, as the customer was intending to purchase another primary home. ERIE had the property inspected andsent a letter to the customer at the last known address on the policy, requesting that live recommendations becompleted. The letter was mailed regular and certified. In receiving no response to our request for repairs, ERIEissued a Notice of Nonrenewal to be effective June 21, 2015. There was no request made to change the addresson the policy; therefore, it remained at the Ohio address under which the policy was written.We do regret that both the Auto and Home Policies were terminated; however, without the correct address to sendthe information to Florida, the mail remained undeliverable.We do regret that the customer is dissatisfied. If further information is needed, you may contact me at [redacted]

[redacted]Sincerely,[redacted], API AIS, AINS, CPIW

Review: Erie Insurance denied my claim no. #[redacted]. I took down a dropped false ceiling in the second floor front bedroom at the end on Nov. I found that a 2 ft. by 8 ft. part of the ceiling had fallen down onto the false ceiling. The area that the ceiling had fallen was right under the dormer. I have in my policy that weight of ice, snow or sleet is covered. The weight, because of the build up of ice around the dormer, caused water to drip down onto my ceiling. I don't know when it fell. It is now code to do something to the dormers to prevent such a thing to happen in my area. They denied my claim saying it was no covered by any of the perils.Desired Settlement: I want Erie Insurance to repair my front bedroom ceiling. This company is buying property up in Erie. They gave money to the civic center and now it is named after them. They are building a parking lot. Are they now denying customer's complaints to pay for these expenses. I want them investigated and see if they are doing this to other customers.

Business

Response:

This letter is in reference to your correspondence dated February 18, 2014, which we received on February 19, 2014.

A review of our file finds that on December 9, 2013, Ms. [redacted] reported damage to a ceiling area of her home which she discovered on December 7, 2013. The insured reported that she did not know the cause of the damage. ERIE received notice of this claim on December 9, 2013 and the claim was assigned to Property Adjuster [redacted]l that same date. Adjuster [redacted]l made initial contact with the Ms. [redacted] on December 10, 2013 and an appointment to inspect the damages was scheduled for December 11, 2013.

On December 11, 2013, Adjuster [redacted]l conducted an inspection of the property, completed a scope of damages and obtained photos. Ms. [redacted] explained she decided to remove a suspended grid and tile ceiling system from the second floor bedroom. When removing the suspended ceiling, Ms. [redacted] discovered a section of the plaster ceiling directly above the suspended ceiling had broken away from the lath, and was lying on the suspended ceiling.

The plaster ceiling was original to the structure. The suspended ceiling was installed below the plaster ceiling. Ms. [redacted] advised she was unaware of any issues in this area. It is unknown how long the suspended ceiling had been in place. It is unknown when this section of plaster fell from its original position. The area where the damage was discovered is under a dormer area of the roof where water, debris, and snow can collect.

The policy in effect provides named perils coverage. Ms. [redacted] has the burden of proving a named peril occurred. Based on the investigation, there was no evidence to suggest a named peril occurred, but rather the loss occurred from water intrusion either by deterioration of the flashing/roofing materials, and/or an ice dam around the dormer area.

After additional review, we confirm our denial was appropriate. While it is never a pleasure to receive a letter from a policyholder expressing their dissatisfaction with a claims decision, we have a duty to all of our policyholders to only pay for damages that are covered under the policy.

Please be advised there may be other reasons for which coverage does not apply, we reserve the right to deny coverage for any other valid reason which may arise. 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 expressly reserved and reaffirmed.

We greatly appreciate the opportunity to respond to your inquiry, and hope the information provided will assist you in your response. If you should need any additional information regarding this matter, please feel free to contact me directly at ###-###-####.

Office of the President

Consumer

Response:

I am responding to my Erie Insurance compaint with the Revdex.com.

The Claim No. is [redacted]. My policy no. is [redacted].

The letter that I received in Decemeber of last year from Erie

Insurance only said that the loss of the ceiling in my front bedroom

didn't meet any of the perils and that they were respectfully denying

coverage for my claim.

No. 13 peril of my policy is:

Weight of Ice, Snow or Sleet. They exclude personal property outside

of the building.

The weight of the snow and ice around the dormer is what cause my

ceiling to fall. Water came into my house because of snow and ice.

The ceiling fell only where the dormer is. It was a 2 foot by maybe 8

foot section that fell.

Erie Insurance claimed that the plaster was original to the house.

No way is that true and they need to explain how they know that. This

house is close to 100 years old. It was redone at one point.

I noticed the front bedroom was colder and I went looking and I found

the plaster was sitting on top of the false ceiling. I took it down.

I had to put plastic up because there is wind coming into the room. I

cannot say when the ceiling fell but the room was not that cold

before. I reported the problem right away.

When [redacted]. [redacted] came to my house in Nov of last year, she said

that snow and ice does build up and water does come into the house.

She said that roofers have to do something to the roof now to bring up

to code.

I want Erie Insurance to replace the ceiling. I pay every year for

this insurance and have never put in a claim for my house. The reason

I pay for insurance is for exactly what happened to my ceiling.

Business

Response:

Review: I have an auto pay set up with Erie and I made my payment early. They tried to draft my bank account again on the auto pay date. This resulted in a $25 insufficient funds fee through my bank. I asked my bank to waive the fee and they stated that if I do a 3 way call with Erie they well waive the fee. Erie is set in their decision that it was my fault and that they will not do a 3 way call and ask the bank to waivethis fee. I explained to the rep that I have been through a financial hardship and that this fee took all my money and even left me negative. I'm not asking for a huge amount this is a reasonable request for someone who had been a great customerthat.do not quote me policy, but everyone remembers everything about there policy. Your reps have made it very clear that I was supposed to call them..I made the payment within the 4 day window. I'm sorry I didn't know it was 4 business days not 4 days.Desired Settlement: I would like to have someone from Erie contract my bank and advise that it wasn't my fault, I paid my payment and they still drafted my account or give me $25 of my next payment. I know no one cares it's not then, but I spent my last $60 to pay my insurance bill then got hit with a fee on top of that.

Business

Response:

This is in response to your letter dated August 7, 2015, which we received on the same date.The above policy is a Personal Automobile Policy issued to Ian [redacted]. Mr. [redacted] had selected to make his paymentsthrough our electronic funds transfer option, in which 1/12thof the premium is deducted electronically from thecustomer’s bank account each month, for the 12 months of the policy term. Mr. [redacted]’s payments are withdrawnon the 12th of each month. In July, Mr. [redacted] made an electronic payment online on July 8, 2015, which wereceived on the 10th. We are enclosing a copy of a draft notice, which clearly states that three business days areneeded in order to stop or change a withdrawal under this payment plan. July 8, 2015 was a Wednesday, andJuly 12, 2015 was a Sunday; therefore, there were not three business days as required in order to stop the draft.Mr. [redacted] would have had to notify ERIE of his intention to stop the automatic draft.The payment was drafted, as it had already been electronically sent to the bank. According to the customer, thisresulted in their account being overdrawn. He was charged a $25.00 nonsufficient funds fee from ERIE when thepayment was returned, as well as incurring a charge from their own bank. ERIE agreed to credit Mr. [redacted]’s policy$25.00 for the insufficient funds fee imposed by us, given the fact he did make the manual payment for July andwe agree to make a one time exception. However, the customer is asking us to reimburse the fee he was chargedby his bank, and we have declined to do so. The customer had been informed on the invoice of the three businessdays requirement to stop a bank withdraw; therefore, we don’t believe the responsibility for this error belongs toERIE. As such, we can only credit our own fee, but we can’t be responsible for the fee the bank imposed whenMr. [redacted]’s account was overdrawn.

Review: on 10/22/14 company withdrew 163.75 from my account for car insurance. I had cancelled my insurance 2 weeks prior to that, so the money should have never been taken out. I contacted insurance broker that day, she talked to accounting and told her they would refund bounced check fee, but would have to wait to see if my bank actually paid them. I explained that the bank did pay them, and I had the proof. I sent the proof. later that day I received a call back from the broker stating they talked to accounting and they would refund my money. I waited a week and heard nothing. I called the broker again on Friday. She called accounting and they said they sent a check out. I received only one check in the amount of 37.00 for the overdraft fee. I am still missing the 163.75. This has been going on 2 weeks, and I have received no refund.Desired Settlement: I would like my 163.75 refunded back to my bank immediately. I shouldn't have to wait another 2 weeks for a check in mail that I may never receive. My account has been overdrawn the last two weeks, due to no fault of my own.

Business

Response:

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 ###-###-####

Review: I have been an Erie Insurance customer since June 2008. I have homeowners and auto insurance.In June of 2014, I received a letter from Erie Insurance stating that I had to make some repairs to my property in order for them to continue insuring me. I made those repairs and contacted Erie to notify them that the repairs had been completed in August 2014. The next correspondence I received from Erie was in November 2014, it was a cancellation notice and their claim that I did not complete the repairs. I called my insurance agent, [redacted], to ask for more information. He informed me that Erie didn't find one of my repairs to be satisfactory. I replaced railroad tie steps with cement block steps and Erie Insurance was not satisfied with the quality of that repair. I removed those cement blocks and poured new concrete steps in their place. I notified Mr. [redacted] of this. He came out and took pictures to provide to Erie Insurance's underwriting department.Mr. [redacted] took these pictures on November 19. I hadn't heard back from him by the morning of the 25th, when I received a refund check from Erie Insurance so I called Erie Insurance's headquarters and spoke to someone (I believe her title was executive secretary) and she informed me that Erie Insurance no longer cared whether or not I had performed the repairs and that my cancellation would go forward. If Erie Insurance had specified the kind of repairs they wanted, I could have taken care of this before things went this far. I believe that Erie Insurance is retaliating against me for filing an insurance claim due to a hail storm that took place in July 2012 and that this is just a pretext. It was a documented weather event that was beyond my control and a lot of homeowners in the area had to file claims.Desired Settlement: I would like for Erie Insurance to rescind their cancellation of my policy and continue forward.

Business

Response:

This is in response to your letter of November 26, 2014, which we received by email on that same date regardingour cancellation of Mr. [redacted]’s HomeProtector Policy effective December 8, 2014.A review of our file reveals that Mr. [redacted] telephoned our office on November 25,2014 requesting that ERIEreconsider the cancellation of his HomeProtector Policy. Senior Executive Assistant, [redacted], responded toMr. [redacted] in writing on November 25. 2014. Enclosed is a copy of her correspondence.Based on the information contained in Ms. [redacted]’s letter, we must stand by the cancellation of Mr. [redacted]’spolicy effective December 8, 2014.Sincerely,

Consumer

Response:

I completed the listed repairs and informed my Erie agent on or before August 15 2014. If their agent did not inform the corporate office of this communication, I am not responsible for that. I 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 policy. I want to have this incident documented with the Revdex.com in the event of any future class actions that may take place.Regards,

Business

Response:

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, 2014 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 completed. However, 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.

Consumer

Response:

I do not concede the accuracy Erie Insurance's version of events. As 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.

Review: Grossly innacurate auto insurance quote.

Around Oct 12th 2015, Timothy R[redacted] quoted us a rate of 142 a month for our auto insurance. I was a little suprised it did not change since we added a newer truck to the policy, so I asked him to confirm and he did.

When we got the bill, on November 4th 2015, it was over 263 for the first month and over 212 for the months following. When we contact him, we couldn't get him on the phone till November 9th 2015. He then told us he mis-quoted.

I changed auto insurance companies the next day, but because if did it a week after the bill came, Erie Insurance changed me $97.

When I talked to them, they said there was nothing they could do even though their mistake. So his mistake cost me $97 for a week of auto insurance.

I cancelled the h[redacted] owners policy the next day. After not getting the refund check, I called Erie Insurance directly and they said the h[redacted] owners was still not cancelled. They stated they would cancel from the date I got new coverage, but I still have no confirmation it is cancelled and I still do not have a refund check even though I cancelled a week after it was renewed.

I contacted Timothy's supervisor, but he stated there was nonthing he could do.Desired Settlement: I would like a refund of $97 dollars from the auto policy and a refund from the h[redacted] insurance policy.

Business

Response:

AttaThis is in response to your letter dated and received December 14, 2015, regarding Mr. R[redacted]’s complaint related to the premium rate applied for the change of vehicles on his Erie Insurance Company Auto Policy and the cancelation of the R[redacted]’s Erie Insurance Company ErieSecure H[redacted] Policy.We have taken this opportunity to review the R[redacted]’s auto policy and find that effective October 12, 2015, Mr. and Mrs. R[redacted] transferred vehicles on their Erie Insurance Company Auto Policy. At the time of the quoted premium for the newly acquired vehicle, the quote did not consider the current rates being applied as of the effective date of the change. The quoted premium is an estimated premium and is subject o adjustment based on ERIE’S filed rating plan. ERIE is required to apply the filed rates applicable as of the effective date of amendments to the policy when processed.ERIE is in receipt of the Riegle’s request to cancel their Erie Insurance Company ErieSecure H[redacted] Policy and we are currently processing their request effective November 12, 2015,If you should need any additional information regarding the above, please feel free to contact me directly at ###-###-####.Sincerely,Gretchen ** T[redacted], AINS, AIS, CPIW Executive Assistant II Office of the President

Review: Erie approved a claim on my 2002 Honda Civic but when I questioned their offer of $1000.00, because repair order from mechanic was much more. The same day that I questioned the $1000 offer from [redacted], adjuster, he reduced offer to $429.00. On the page that came with the check it only lists parts, no labor,am I supposed to install myself? Now I'm asking them for mediation and they say there is no recourse but court. I have been bullied without help from the agent at CAR ins all the way to the president's representative, [redacted]. They twice demanding I return their rental car with only 2 hrs notice each time, what if I were out of town? Erie is not responding to my emails. Mocking me verbally. ? Whatever happens with the claim please beware. I've dealt with them, all documented) I need help!Desired Settlement: I'd like my claims adjudicated per the policy. I asked them for mediation. I want a disinterested individual to hear this from both sides. Just someone to be fair. They have declined. I have all documented in emails. If you cannot help resolve, will you suggest next best solution.

Business

Response:

We received your inquiry dated June 26, 2014 on July 2, 2014. Ms. [redacted] is disputing our denial of a

Review: On Oct 30th we discovered a water leak into our family room. the source of the leak was discovered to be the tiles in our master bathroom had allowed water to get behind them and thus the leak occurred. As we discovered the tiles were extremely loose and 3/4 of our shower wall began to fall. The water caused damage to the drywall, insulation and the shower had to be cleared of all items. The company reviewed the damage and paid the damage to the family room only. Stating that this was a condition that was ongoing and not covered. The damage was only discovered on Oct 30th and should be covered as a result. The insurance company was contacted and I asked for a way to file a formal appeal of the decision. I was informed that Erie has no formal appeal process and they decision was final.Desired Settlement: Desired outcome is that Erie insurance pays the claim to fix the entire shower area as the water damage was unknown to the homeowner and when discovered the homeowner did the proper and correct approach to handle the incident.

Business

Response:

This letter is in reference to your correspondence dated November 8, 2013, which was received

in the Office of the President on November 13. 2013.

A review of our claim file indicates that Mr. [redacted] reported water damage to his finished

basement on October31, 2013. The claim was assigned to Property Adjuster [redacted] on

October31, 2013. Adjuster [redacted] made initial contact with Mr. [redacted] on October 31, 2013.

An appointment to inspect the damages was scheduled for November 1, 2013.

Adjuster [redacted] confirmed that the damage to the basement was caused by water that had leaked

through the ceramic tile in the shower unit in the master bathroom. The water had been seeping

through the ceramic tile for a prolonged period of time causing deterioration and wet rot to the

wall behind the shower. The damage to the shower unit itself is not covered because the policy

excludes water damage caused by constant and repeated seepage or leakage of water.

Since the damage to the basement was reported to have occurred as a result of water that had

leaked into the basement for one day, Adjuster [redacted] prepared an estimate to repair that damage.

Payment was issued for the basement repairs on November 8, 2013.

We appreciate the opportunity to respond to your inquiry, and hope the information provided

will assist you in your response. If you should need any additional information please feel free

to contact me directly at ###-###-####.

Sincerely,

[redacted], AINS, AIS, CPIW

Executive Assistant II

Office of the President

GT ssm

C:

AA7193 Miller/Hanover Agency

Kerry Ritchey Harrisburg Branch Office

Consumer

Response:

I have read the complaint and disagree with the findings of Erie insurance, issue number 1; the finding of the damage occurred on Oct 30 and a claim was called in by Oct 31st. there was no determination other than the claim agent to determine when the damage occurred. a five minute observational does not satisfy the consumer. Issue #2 and this issue has never been addressed by Erie Insurance. Erie insurance is a billion dollar FOR PROFIT company, their business is to take more money in vs pay out money. I have asked to file a formal complaint to appeal my decision. I was informed that Erie does not have a appeal policy. At this point their ethics of business practices now come into play. it appears based on my case and most likely thousands of others are or could be determined on opinions/feelings of the agent or agents supervisor. Does the agent or supervisor receive bonuses based on the number of claims they refuse to pay? what basis does the agent or supervisor come to make their decision? is it based on "feelings" of the day? In many other companies an independent panel of consumers,former agents, advocates will hear appeals to determine the final findings. There is no recourse for consumers to appeal any decision and your at the mercy of the billion dollar companies. Erie Insurance should answer as to why their is no formal appeal process and how their decisions are made. At this point we are faced to contact our legal team.

Regards,

Review: This complaint falls on not only product issue but customer service issue as well. I filed a claim on my scheduled policy of my homeowners for a droid cellphone that was insured for $600. I replaced with a cellphone that I claimed for $200 saving Erie $400. In return I was given a $200 surcharge from Erie on my renewal policy. The explanation given to me was that it was my second claim within 5yrs and they are entitled to this surcharge. When filing this claim, it is Erie policy NOT to advise or to inform a policyholder as to the surcharge of 40% they will incur automatically regardless of how small a claim they file. It was my belief when I scheduled these items seperate and paid an additional fee they would fall under a seperate group such as Erie inland policy. When I spoke with numerous representatives about this , I was outraged by the fact that I felt deceived by this company. I explained why would anyone buy this product knowing that it will go against there claims history and cost them more in the end. They are not honest with there policyholders and do not allow them to make an educated decision when making a claim. I would never have scheduled these items to begin with, had I been informed that this would remain on my record for 5yrs. I offered to refund what I was paid for this claim in full, to have this removed from my history but was told they can not do that. Let me explain how deceptive and what a bad product this is. If you have 0 claims in a 5yr period and have a phone scheduled for $200 and drop and break it, Erie will pay the $200 and no surcharge is given. If say 2mos later in the same year your replacement phone is stolen and you make a second claim Erie pays another $200 and in my case would surcharge you $200 for 4yrs (4 renewals) for $800in premium increases. Erie needs to be more transparent so policyholders can make educated decisions. When selling a product such as this they need to inform a policyholder that it might not be in there best interest to schedule items.Desired Settlement: Have Erie print on there Annual policy renewal a claims history. Ex: you filed a claim on (stated date)no surcharge will occur if you remain claim free until (stated date being 5yrs. from first claim) This is not a difficult thing to do since Erie does not want to tell you on the phone, even though they should! Erie should advertise the 40% surcharge penalty so you can make a educated decision. Allow me to pay back claim in full with interest to remove claim from history.

Business

Response:

This is in response to your letter of May 12, 2014, which we received on May 13, 2014. Mr. [redacted] is expressing

Review: I had full coverage on my 2002 Chevy Blazer. I let my brother-in-law use my Blazer and had him pay my premium to use it. When he failed to pay and I came to repo the Blazer. He showed the police a bogus purchase agreement and I showed them my notarized title. Officer [redacted] said it was a civil matter I was not allow to take the Blazer. I called Erie and talked to [redacted]. I wanted her to use their lawyers to pressure Alliance Police to let me get my Blazer. She did not. I filed a civil suit and won. My brother-in-law put salt in the gas tank. I called and made a claim [redacted]. [redacted] said I violated the contract by charging a fee. I looked in the dictionary what a fee was. It said a fee is an exchange of money by at least one or more professional party. I told [redacted] I did not violate the contract. The damage to the Blazer is $3200.Desired Settlement: If I do not get compensated I will take this to court.

Business

Response:

This letter is in reference to your correspondence dated April 21, 2014 which we have received

Review: I obtained the best home protection policy Erie provides in February of 2013 my home burned to the grown through no fault of me or my family. Erie took their time paying us on the policy so we had to stay in a cheap hotel in a bad area of town. Erie has now refused to pay me under the policy for personal property subjecting me to depositions accusing me of fraud. I have had to borrow money from friends and family to get by. I have three young children to take care of and this has harmed my family badly.Desired Settlement: For Erie to pay the personal property we lost in the fire which the policy covers.

Business

Response:

Dear Mr. [redacted]: This letter is response to your correspondence dated August 19, 2013, which we received on August 20, 2013. As a preliminary matter, ERIE would state that all dealings with the [redacted] and their attorney, Mr. [redacted], have been in good faith, prompt, straightforward and courteous. ERIE has made the following payments to Mr. and Mrs. [redacted] as a result of the fire of February 26, 2013: Structure: $93,000 (policy limits) Contents: $44,612.41 (based upon initial inventory and receipts submitted) Additional Living Expenses: $3,683.15 TOTAL PAYMENTS TO OR ON BEHALF OF THE PHELPS: $141,295.56 Our insured takes issue with the fact that ERIE has hired an attorney who has demanded to take the [redacted]’ “sworn statements.” The [redacted] were insured under Policy #[redacted], which contains the following language: RIGHTS AND DUTIES - CONDITIONS - SECTION I (16) WHAT TO DO WHEN A LOSS HAPPENS 3. furnish a complete inventory of damaged property including quantity, actual cash value and amount of loss claimed; 4. produce for examination, with permission to copy, all books of accounts, bills, invoices, receipts, Other vouchers and other financial information as we may reasonably require; 6. at our request, separately submit to examinations and statements under oath and sign a transcript of the same; Mr. and Mrs. [redacted] and their attorney, Mr. [redacted], were first notified of this policy provision by letter from ERIE on June 19, 2013 in a reservation of rights letter. The letter first referenced the Examinations Under Oath, and additionally stated, “If we do not hear from you to the contrary, it will be assumed that it is acceptable for us to continue the handling of this claim and our investigation on these terms.” Thereafter, the [redacted] filed a new Proof of Loss on July 15, 2013 with 69 pages of inventory of items purportedly lost in the fire. These inventories, among other things, were discussed at the Examinations Under Oath by ERIE’s counsel. The [redacted] believe they are entitled to receive $140,000 for their personal property. The personal property limit for the [redacted]’ policy is $69,750. As noted above, they have already been paid $44,612.41 in personal property inventory (based upon information supplied by the [redacted], less the non-covered items such as materials and equipment used by Mr. [redacted] in his employment), as well as $96,683.15 for the structure and additional living expenses (for a total, so far, of $141,295.56). At most, the [redacted] could be entitled to approximately $25,137.59; however, due to the new inventory and values of contents forms submitted, ERIE reserves payment of this amount until the examinations under oath of the [redacted] are taken and these claims can be further assessed. We greatly appreciate the opportunity to respond to your inquiry, and hope the information provided will assist you in your response. 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 expressly reserved and reaffirmed.

Consumer

Response:

First off Erie's math is wrong. Thye have not paid me $93,000 as they claim. They have paid my family $91,000 and change. Second Erie has paid nothing towards my personal property loss opting instead to harass my wife and I through sworn testimony. My experience with Erie has been nothing short of a complete nightmare. I paid my premiums on my home protector policy every month now Erie seeks to not pay my family what we are entitled to under the policy when we have lose everything. The way Erie has treated me and my family is a disgrace.

I demand Erie pay me for my personal property loss immediately, especially since their claims adjuster never explained to me what I was entitled to under the policy as he is required to do at the outset of the claim.

Regards,

Business

Response:

This letter is response to your correspondence dated September 19, 2013, which we received on

that same date.

Mr. [redacted] argues that he has only been paid “$91,000 and change”, we assume that he is

referring to the amount of the dwelling payment. A check for $91,899 was sent to Mr. [redacted] on

April 4, 2011. Another check was sent to [redacted] in the amount of $1,101 for the

board up of the home. These checks total $93,000.

We would also like to point out that the ERIE has made payment for personal property to the

[redacted]’ totaling $44,612.41. We are currently waiting for the [redacted]’s Attorney, Mr. [redacted], to

supply the [redacted]’ signed EUO (Examination Under Oath) transcripts so that we can further

evaluate the additional claim for personal property that has been presented.

We greatly appreciate the opportunity to respond to your inquiry, and hope the information

provided will assist you in your response.

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 expressly

reserved and reaffirmed.

Sincerely,

[redacted], CPCU, AIM, AINS, AIS, CPIW

Senior Executive Assistant

Office of the President