Esurance, Inc.

Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
Esurance received a two car loss reported on December 14, ***. A detailed
statement was obtained from *** *** and explanation of applicable coverage and deductible was discussed. At the time of reporting the claim, *** *** advised he would pursue his claim for damages through the claimant carrier
As part of our investigation, based on information provided, multiple contact attempts via phone and mail were made with the other driver, *** ***. Esurance also reached out to ***, the carrier for the other vehicle involved, to institute a claim on behalf of *** ***, and we provided all available details to the *** adjuster. Esurance was ultimately unable to reach *** ***, and our liability decision was finalized as 100% adverse to *** *** based on *** ***’s statement
On February 2nd, *** notified Esurance that they had determined liability at 50/50, as it is a word vsword situation. On February 10th, *** *** was informed of ***’s position regarding their liability decision, and we also explained to him that we would try to determine how they arrived at that determination. After talking to ***’s adjuster on multiple occasions, on March 17th, they finalized liability decision of 50/50. We advised *** *** of ***’s final liability determination, and on April 14th, *** *** advised his preference was to have his vehicle damage repairs handled through Esurance
Once the vehicle repair process was completed, we forwarded *** ***’s claim to our subrogation department to pursue collection from *** based on our investigation. Arbitration has been filed accordingly, and we also made the decision to refund *** ***’s deductible in full
With regards to *** ***’s request for Esurance’s claim file documents and notes, it is our position that this information is the proprietary work product of Esurance, and it is our business practice not to produce such information upon request. We provided *** *** with a written explanation of this position on June 29th, and advised him we would be unable to provide him with this documentation accordingly. We did advise *** *** that he would be entitled to a copy of the damage estimate prepared for the vehicle, as well as any photos we had of the vehicle, which has already been provided to him
Should you have any additional concerns or questions please do not hesitate to contact us

Initial Business Response /* (1000, 5, 2015/08/25) */
August 25,
Revdex.com
Attention: *** ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant
Name: *** ***
Insured Name: *** ***
Policy Number: HPILXXXXXXXXX
Company: Esurance Insurance Company
Dear Ms*** ***
Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced Homeowner's policy
According to Mr***'s consumer complaint, he is requesting a refund for the additional policy premium in connection to the increase in the dwelling protection coverage
Esurance records indicate the above referenced policy was purchased effective July 2, 2015, with a replacement cost estimate of $194,629, which was the dwelling coverage amount selected at the time of purchaseThe replacement cost estimate was based on a home that is square feet, with a Gable roof geometry
Upon review of the home inspection completed on August 6, 2015, the inspection noted that square feet was missing for the upper level of the home, and the roof had Hip geometryBased on the inspection, Esurance updated the replacement cost estimator to reflect square feet, a Hip Roof, and added a foot attached deck, which resulted in a replacement cost estimate of $258,Esurance increased the dwelling coverage to match this amount to ensure the insured's home was insured to value
Unfortunately, Esurance is unable to refund the insured for additional premium, as the premium increase is based on the dwelling coverage amount that ensures Mr***'s home is insured to value
Thank you for allowing Esurance the opportunity to address your inquiry
Sincerely,
***
SrManager Underwriting
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/07/06) */
July 6,
Revdex.com
Attention: *** ***
*** Broadway, Suite ***
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured
Name: *** ***
Policy Number: PANV-XXXXXXX
Claim Number: DEN-XXXXXXX
Date of Loss: 04/29/
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
In responding to this complaint from *** ***, the following information is provided for your reviewIn regards to the repairs of the Insured's vehicle, a good faith estimate was completed which included the replacement of the Insured's bumperThis estimate was completed by a certified repair shop that Esurance has conducted business with in the pastEsurance processed a settlement check to the Insured on June 16, 2015, for the full amount of the repairs, without application of the Insured's $deductibleThe Insured is free to go to any shop of choice for repairsThe Insured simply needs to present Esurance's estimate to the shop of her choice, and if they feel that additional labor or parts are required to repair the vehicle to its pre-loss condition, they simply need to contact EsuranceEsurance will address any supplements directly with the Insured's shop of choice
At the time of loss, the Insured did not carry Rental car coverage on her policyThis coverage would have provided temporary transportation to the Insured while her vehicle was being repairedAs there was valid coverage identified with the at-fault party, then rental can be requested and honored under the liability portion of the tortfeasor's auto policyThe Insured is also requesting compensation for her time and effort to resolve this matterThis is not an item that is covered under the Insured's auto policyThis has been explained to the Insured verbally and in writingAgain, Esurance would direct the Insured to the tortfeasor's auto policy where consideration can be given for this matter under the liability portion of the policy
In acknowledging the Insured's injury claim, it has been determined that the Insured did not carry Medical Payments Coverage which would have provided a first party benefit in recognition of any bills that the Insured incurred up to a specified dollar amount
However, the Insured does carry Underinsured Motorist Coverage on the policyThis coverage provides additional coverage to an Insured when involved with an at fault party that does not carry sufficient limits to compensate the Insured for injuries that were sustained due to an accidentTo date, Esurance has not received any documentation to state that the limits of the tortfeasor's policy will not be enough to compensate her for any injuries sustained in this loss
On June 19, 2015, Esurance sent to the Insured a medical authorization which would allow Esurance to order the medical recordsEsurance would also need a copy of American Access declaration page which would allow Esurance to apply the appropriate offset to any potential settlement under this coverageShould such documentation exist, kindly forward it to our attention as promptly as possible so that we can review and evaluate this injury claim
Should there be additional information you would like us to consider please contact me so our position can be re-evaluated
Thank you for the opportunity to respond to this complaint
Sincerely,
***
***
Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The insurance company is lying for two monthsThey were sent all receipts, invoices etc but they would say that they don't have themMy auto repair is $1,and not $500! I contacted the NV Insurance Commissioner and I have been sending my newest receipts to the NV Ins Commissioner to have a proof otherwise I know Esurance will be lying again
Esurance just wont pay the claim even though they have everythingMy monthly insurance is $136, not a cheap insurance, but they don't pay my claim
*** ***
Final Business Response /* (4000, 9, 2015/07/20) */
July 20,
Revdex.com
Attention: Deborah ***
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: PANV-XXXXXXX
Claim Number: DEN-XXXXXXX
Date of Loss: 04/29/
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the additional correspondence
In responding to the rebuttal from *** ***, the following information is provided for your reviewEsurance received a repair estimate from the complainant repair shop of choice which differs from where the initial repair estimate was writtenEsurance has reached an agreed price with this repair facility for the amount of $1,Esurance has paid to the complainant the full amount of this repairThe complainant can proceed with the repairs of her vehicleAs I advised in my previous response, the shop could identify additional damages as the repairs proceedShould these additional damages be identified the shop can submit a supplement estimate for Esurance to reviewShould this supplement be approved a supplement payment would be issued to her shop of choice
Should there be any questions in regards to Esurance's position please contact me directly at XXX-XXX-XXXX
Thank you for the opportunity to respond to this additional correspondence
Sincerely,
***
***
Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/10/14) */
October 14,
Revdex.com
Attention: ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant
Name: *** ***
Insured Name: *** ***
Policy Number: PAVAXXXXXXXXX
Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced private passenger *** policy
Esurance records reflect the above referenced policy was purchased effective August 27, 2015, for a six month policy term
During the underwriting review, Esurance discovered through public records (Lexis Nexis) potential garaging concerns regarding Mr***' policy
On September 4, 2015, Esurance emailed Mr*** regarding the potential garaging concerns on the policy
On September 9, 2015, and September 11, 2015, Esurance attempted to contact Mr*** to discuss the underwriting concerns
On September 15, 2015, Esurance set the policy to cancel effective September 29, 2015, for the failure to provide information to rate and/or underwrite the policy
On September 16, 2015, Mr*** contacted Esurance to discuss the outstanding underwriting concernsMr*** advised Esurance that he is a resident in Virginia; however, currently attending school in *** until January 1, At that time, Esurance removed the cancellation status of Mr***' policyA Notice of Reinstatement was mailed to the insured
On October 5, 2015, Mr*** contacted Esurance regarding receipt of a cancellation notice
On October 6, 2015, Esurance sent Mr*** an email advising his policy was active, and there was no pending policy cancellation
Esurance records confirm Mr***' policy is currently active, and with no pending policy cancellationEsurance strives to provide exceptional *** ***, and apologizes for any frustration or confusion this may have caused Mr***
Thank you for allowing Esurance the opportunity to address your inquiry
Sincerely,
*** ***
Rate Pursuit Supervisor
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/10/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they are flat out lying to save face I first purchased insurance from esurance in march of I told them at the time I was moving to *** to start school april6th,and would be here for at least months maybe longerthat my truck would be insured licensed and tagged in Virginia to which they agreed to cover my vehicle until January of with my registration address being in Virginia, *** has seen this and HAS said it to me personally and to quote her" I do not know why these notes were not placed at the head of your policy and I *** make them there now" it IS in the notes on my policyThis is the most underhanded misinformed and lying company I have ever delt withas soon as I am financially able, THEY *** LOOSEMY BUSINESS!
today is October 16,2015.9:11pm I have still NOT received anything from esurance by mail stating my policy is reinstated, just a phone call from *** telling me it is
Final Business Response /* (4000, 9, 2015/10/27) */
October 27,
Revdex.com
Attention: ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: PAVAXXXXXXXXX
Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer rebuttal complaint submitted by *** *** regarding the above referenced private passenger *** policy
According to the rebuttal complaint, Mr*** states the he has not received notification by mail stating that his policy has been reinstatedEsurance records reflect the Notice of Reinstatement was mailed to the insured on October 12, Esurance has attached a copy of Mr***' Notice of Reinstatement effective September 29,
On October 23, 2015, Esurance sent an email to the insured reiterating the reinstatement of Mr***' policy with no lapse in coverageAt that time, Esurance provided Mr*** a payment reminder that his premium payment would become due on October 27,
As of today, Esurance attempted to debit the insured's method of payment on file for the monthly premium amount of $Esurance was unable to process Mr***' payment, as it appears he has removed his method of paymentEsurance encourages Mr*** to contact the *** *** department to update his method of payment on file
Again, Esurance apologizes for any inconvenience or frustration this may have caused Mr***
Thank you for allowing Esurance the opportunity to address your inquiry
Sincerely,
*** ***
Rate Pursuit Supervisor
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Final Consumer Response /* (4200, 11, 2015/10/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
esurance has sent me an email saying my policy is reinstated but as of today 10/28/I have NOT received and paper mail stating so as for their claim to try to take payment directly from my bank accountI denied them the access to be able to do sothey asked me for permission and I denied that permission day of purchase...just another falsity from them trying to save faceThey need to disclose all of the phone records and all notes on my policy between them and myself to your office and myself so we both can view them ( you for the truth and me to verify the completeness of them) then you can see the months of frustration that has led up to this complaint
research yourself on google and you *** find thousands of unsatisfied customers with them

Initial Business Response /* (1000, 5, 2015/10/05) */
September 05,
Revdex.com
Attention: *** ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
RE: File Number:
XXXXXXXX
Complainant: *** ***
Named Insured: *** ***
Policy Number: PASD-XXXXXXX
Claim Number: EXP-XXXXXXX & DEN-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
NAIC Number: XXXXX
Dear Ms***,
Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced private passenger *** policy
Esurance records reflect this South Dakota policy was originally purchased on January 01, Ms*** contacted Esurance on that same date and advised she had moved from PennsylvaniaThe original policy number was PAPAXXXXXXX and on both policies *** *** was listed as an additional driver
On July 07, 2015, Esurance was contacted by *** *** and a loss was reported that occurred on July 05, Mr*** also advised of an address change and Esurance updated the new address on the policyOn this same date Ms*** contacted Esurance and requested that *** have no access to the policyMs*** also advised Esurance that *** *** no longer lives in her household but the do own the vehicle together
Since a claim had been reported by Mr*** prior to Ms*** contacting Esurance and advising not to have contact with Mr***, Esurance needed to have additional contact with Mr*** regarding the open claimOn this same date Ms*** contacted Esurance again and requested cancelation of the policy
On July 08, 2015, Mr*** contacted Esurance and reported an additional claim that had taken place on June 21, involving hail damageSince Mr*** was a listed driver on the policy and his name was never removed he was able to report the claim to Esurance
During both of the claims reporting Mr*** and Ms*** advised they were each the sole owner of the Nissan ArmadaDue to the conflicting information Esurance requested a copy of the vehicle registration from Mr*** and Ms***Once Esurance confirmed that Ms*** was the sole registered owner of the policy, both claims were closed per her request and no repairs or payment were made to any party
On September 01, 2015, Ms*** contacted Esurance and advised that she wanted to pursue both claims referenced aboveEsurance re-opened both claims as requested on that same sate
On September 10, 2015, Ms*** contacted Esurance and advised that Mr*** had been contacted regarding the claimsEsurance explained that Mr*** was involved in both losses and that our independent adjuster needed to speak with him due to his involvementEsurance also advised that the independent adjusted is unable to issue payment and Esurance will only communicate with Ms*** regarding that portion of the claims process
On September 15, 2015, Esurance issued payment for repairs to Ms*** and the repair shop of her choiceEsurance is unable to waive Ms***'s deductibles for these losses as requested
Esurance sincerely apologizes for any experience that did not meet Ms***'s expectations
Thank you for allowing Esurance the opportunity to respond to this inquiryIf you have any questions or require additional information, please direct any future correspondence to ***
Sincerely,
***
Compliance Analyst
Esurance Insurance Services, Inc
On Behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
As stated above, a NON FAMILY MEMBER/ADDED DRIVER (*** ***) was allowed to call into Esurance *** *** & change the mailing address on MY policyA policy that was opened & issued to one *** ***I, *** *** was not contacted OR notified that my personal information on MY policy had been changed by an individual that was not meI verified with more than one Esurance representative & supervisor this is not allowed per Esurance policyNot once, EVER, did I state to Esurance that I was anything but the SOLE owner of the vehicleI not once, Ever, told anyone affiliated w/ Esurance that *** *** had any ownership rights*** (Esurance claims person) added *** *** as a co-owner of vehicle on his wordWhen I told that woman he, indeed was not, she unprofessionaly told me to "prove it" and then proceeded to call Mr *** after she was told by me not to again talk to Mr *** until I could figure out what was going on with MY policyMcGillivray immediately ended call with me and again called Mr*** & asked if he was indeed on the registration like he had said & he then informed her that no, he was notI then found out there were claims on the vehicle (again because I was locked out of my account) and at that point said for esurance to stop all action on claimsAgain, because I knew nothing about what was going onMr *** was then AGAIN able to call in & reactivate the claimsAt that point, I called in asking advice from numerous associates of Esurance on how to keep him from reopening claimsI was informed to cancel the policyThis, was incorrect advice as then the policy was locked down in it's former state of all activity/ correspondence & ability to access acount left in Mr ***'s handsLater I was told by a different claims agent that I was supposed to have given some instruction that is only known to Esurance employees of how to lock him out of my policy BEFORE I closed the accountI did reopen the claims, as they were reputable claims on MY vehicleBut I did this after, and ONLY AFTER, I was assured by multiple claims associates that they had MY correct information back on my cancelled policy & claimsBut, of course, again that was a lie! Once the claims were re-opened Esurance had their 3rd party associates, that are to set up a time to have an adjuster look at the vehicle, call *** *** to set the time and dateMr Morgan states that *** NEEDED to be called by the independant claims adjusterWhy is that??? It was made clear to me...again...THE POLICY HOLDER, that all communication going foward would be handled with me and only me ( the policy holder, the vehicle owner, and the individual that had the vehicle IN MY POSSESSION!!!) This company wasted an ABUNDANT amount of my timeEspecially since 99% of our communication was done during my work hoursI have accounted for every minute I spent on the phone with this companyI have then cross-referenced it w/ my commission sheets for that dayEsurance cost me $during my work hours dealing with their incompetence to be trusted with a policy holder's confidentialityAnd so my NEW resolution to my complaint with this company is that can reimburse me for my work time lost in the amount of $Or, they can admit that they royally dropped the ball with a consumer & reimburse me $as stated before and call it a lesson learned, instead of "waiving a deductible"
Final Business Response /* (4000, 9, 2015/11/04) */
November 04,
Revdex.com
Attention: *** ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
RE: File Number: XXXXXXXX
Complainant: *** ***
Named Insured: *** ***
Policy Number: PASD-XXXXXXX
Claim Number: EXP-XXXXXXX & DEN-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
NAIC Number: XXXXX
Dear Ms***,
Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced private passenger *** policy
Esurance records reflect this South Dakota policy was originally purchased on January 01, Ms*** contacted Esurance on that same date and advised she had moved from PennsylvaniaThe original policy number was PAPAXXXXXXX and on both policies *** *** was listed as an additional driver
Mr*** was a listed driver on this policy and was added by Ms***When a driver is listed on the policy, that driver has the ability to file a claim if one occursIf that listed driver does file a claim or is involved in a claim Esurance does contact that individual as they were involved in the lossEsurance has explained to Ms*** that Mr*** was involved in both losses and that our independent adjuster needed to speak with him due to his involvementSince a claim had been reported by Mr*** prior to Ms*** contacting Esurance and advising not to have contact with Mr***, Esurance needed to have additional contact with Mr*** regarding the open claimOn this same date Ms*** contacted Esurance again and requested cancelation of the policy
Esurance was contacted by *** *** on July 07, 2015, and a loss was reported that occurred on July 05, Mr*** also advised of an address change and Esurance updated the new address on the policyOn this same date Ms*** contacted Esurance and requested that *** have no access to the policyThis request from Ms*** was after Mr*** had already update the policy information
Mr*** contacted Esurance on July 08, 2015, and reported an additional claim that had taken place on June 21, 2014, involving hail damageSince Mr*** was still a listed driver on the policy and his name was never removed he was able to report the claim to Esurance
Mr*** and Ms*** advised they were each the sole owner of the Nissan Armada during the claims processEsurance resolved this issue by requested a copy of the vehicle registration from Mr*** and Ms***Esurance confirmed that Ms*** was the sole registered owner of the policy, and closed both claims per her request and no repairs or payment were made to any party
Ms*** contacted Esurance on September 01, 2015, and re-opened both claims referenced aboveEsurance re-opened both claims as requested on that same sate
Esurance has explained that Mr*** was involved in both losses and that as part of the claims process our independent adjuster needed to speak with him due to his involvement
Esurance is unable to waive Ms***'s deductibles for these losses or provide any additional monetary compensation
Thank you for allowing Esurance the opportunity to respond to this inquiryIf you have any questions or require additional information, please direct any future correspondence to ***, Compliance Analyst, at P.OBox 2890, Rocklin, CA, XXXXX
Sincerely,
***
Compliance Analyst
Esurance Insurance Services, Inc
On Behalf of Esurance Property and Casualty Insurance Company
Final Consumer Response /* (4200, 11, 2015/11/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Firstly, it is of great concern that Esurance cannot be bothered to protect their consumer's privacyBut, obviously, also cannot be bothered to READ a Revdex.com complaintIt shows their gross negligence as a company to, essentially, copy & paste their first response without even reading the rebuttal or alternate resolution
My number one complaint (that has yet to be even acknowledged by Esurance) is that Esurance allowed a NON-FAMILY MEMBER ADDED DRIVER on MY POLICY, to call in and "update" my address on MY POLICY! I would like Mr *** to respond to this SPECIFALLY!! Maybe Mr *** could (as a mouth piece for an insurance company) please list to me reasons someone might HAVE to add a NON FAMILY MEMBER ADDED DRIVER to their policyNow, I am not an insurance agentBut, I do know SOLE owners of vehicles are required to add NON FAMILY MEMBER ADDED DRIVERS to THEIR POLICY if that person will be driving your vehicle on a consistent basisThis NON FAMILY MEMBER ADDED DRIVER could be an employee for a self employed policy holder, this person could be a nanny, a neighbor that uses MY vehicle to take my child to school, a personal shopper that I employ to get my groceries & underwearSo tell me, Mr ***, is it Esurance's right to allow any of those people to call your company & change ANY information on MY POLICY because they were the driver during an incident????? Because on July 7, as you casually noted but did not admit wrong doing, you specfically said YOUR COMPANY ALLOWED A NON FAMILY MEMBER ADDED DRIVER to change Ms ***' mailing address!!
Also on July 7, you said Ms *** told Esurance Mr*** & Ms *** owned said vehicle togetherThat was NEVER, I will repeat for you, NEVER saidWhen I found out, at a later date Mr*** was added as a vehicle owner, I vehemently denied this claimThat is when Ms*** told me to "prove it"And I, told her I WOULD NOT PROVE IT! Which brings to the forefront another of your liesYou say in your response, "Mr*** and Ms*** advised they were each the sole owner of the Nissan Armada during the claims processEsurance resolved this issue by requested a copy of the vehicle registration from Mr*** and Ms***Esurance confirmed that Ms*** was the sole registered owner of the policy, and closed both claims per her request and no repairs or payment were made to any party."
No one, especially myself, sent a copy of the registrationThe only copy of the registration Esurance EVER received was when the adjuster was at MY HOME taking pictures of the damageIt was at that time I had the adjuster take a picture of MY registration as a "thumb of the nose" to your companyMr*** also never claimed sole ownership of this vehicleHe told Ms *** he was also on the registration(she then changed my policy to reflect that without my knowing)and this is when she made the call to him that I asked her not toHe then admitted, during that phone call that he actually was not ALSO on the registration as he had previously said he was
Finally, on Sept when I reopened the claims I was told numerous times because the vehicle was in my possession there would be NO NEED for an adjuster (or anyone) to speak to Mr *** any further, as the vehicle was in MY possession & the adjuster would only need to set up a time to inspect the vehicle
AGAIN, I am giving to you my amended resolutionIf you take the actual time to read this, that is
This company wasted an ABUNDANT amount of my timeEspecially since 99% of our communication was done during my work hoursI have accounted for every minute I spent on the phone with this companyI have then cross-referenced it w/ my commission sheets for that dayEsurance cost me $during my work hours dealing with their incompetence to be trusted with a policy holder's confidentialityAnd so my NEW resolution to my complaint with this company is that can reimburse me for my work time lost in the amount of $Or, they can admit that they royally dropped the ball with a consumer & reimburse me $as stated before and call it a lesson learned, instead of "waiving a deductible"

Initial Business Response /* (1000, 5, 2016/01/18) */
January 18,
Revdex.com
Attention: *** ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name:
*** ***
Named Insured: *** ***
Policy Number: PAWI-XXXXXXX
Claim Number: WIS-XXXXXXX
Date of Loss: November 17,
Insurance Company: Esurance Insurance Company
NAIC Number: XXXXX
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** ***
regarding a claim for a personal automobile insurance policy
The above referenced policy was purchased with a six-month policy term effective August 10, On November 17, 2015, Mr*** reported a claim for his DodgeOn November 25, 2015, Mr***' vehicle was determined to be a total lossA CCC ONETM Market Valuation Summary was completed to determine the value of Mr***' vehicleUpon making the offer of settlement, Mr*** advised that he had recently had a transmission overhaul on his vehicleIt was also confirmed that Mr***' vehicle was equipped with remote start, an alarm system, and it was further determined that the headliner damage that the evaluation deducted for, was actually damaged in this lossOnce this information was received, the valuation was updated and the vehicle's value adjusted accordinglyFurther, as a concession, Esurance added $to the already confirmed valuation
A settlement agreement in the amount of $6291.42, inclusive of the insured's deductible, has been reached for this lossPayment is pending receipt of the lienholder's written guarantee and the signed Power of Attorney from Mr***Esurance believes this offer and settlement is fair and accurate
Thank you for allowing Esurance the opportunity to respond to the concernsIf you have further questions or additional concerns, please direct any future correspondence to ***@esurance.com
Sincerely,
***
Unit Manager, Madison Claims
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2016/01/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was never able to get any disclosure on the dollar amounts subtracted from their "comps"I was told that they don't do thatThat is outrageousI excepted their weak offer last week because I need to move on and can not afford a law suitI understand stand that Wisconsin is a "full disclosure state" meaning that in business the details need to be explainedI still have no answer how the dollar deduction call the condition adjustment is figuredIs that a set value? Who sets it? Why is it calls a condition adjustment if it has nothing to do with the condition of my car or the comps? Also in the report showing the comps they deduct undisclosed amounts of dollarsThis makes no sense and should be against the law
Final Business Response /* (4000, 9, 2016/01/27) */
January 27,
Revdex.com
Attention: *** ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: *** ***
Named Insured: *** ***
Policy Number: PAWI-XXXXXXX
Claim Number: WIS-XXXXXXX
Date of Loss: November 17,
Insurance Company: Esurance Insurance Company
NAIC Number: XXXXX
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company, is in receipt of the consumer rebuttal complaint submitted by *** *** regarding the condition adjustment to his vehicle
The Comparable Vehicle condition adjustment of $sets that vehicle to a common condition baseline, thus represents the monetary value for the vehicle ready to be sold
A condition adjustment of $was taken on Mr***'s vehicle due to the condition of the carpets and tires
The above information is disclosed in the CCC Valuation Report that was previously provided to Mr***
Again, Esurance believes the offer and settlement extended to Mr*** for his Dodge Charger to be fair and accurate
Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to Scott Morgan, Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX
Sincerely,
***
Unit Manager, Madison Claims
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/06/09) */
June 9,
Revdex.com
Attention: *** *** Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: ***
***
Named Insured: *** ***
Policy Number: PANJXXXXXXX
Insurance Company: Esurance Insurance Company of New Jersey
Dear Ms***
Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Insurance Company of New Jersey, acknowledges receipt of the complaint submitted by *** *** regarding a premium increase on the above referenced private passenger *** policy
Esurance records indicate that this policy was purchased on May 28, 2015, to be effective on May 29, 2015, via online application at www.esurance.comDuring the application process, Mr*** disclosed a not-at-fault accident for himself, as well as for the additional driver on the policy, *** ***A quote was provide based on the information providedPrior to requesting payment, the following disclosure was provided:
"We're currently unable to verify your driving record and claims historyThe verification process should be complete within hours of your policy purchaseIf your verified information matches the information you provided, your price should not change."
During the underwriting period, it was discovered that Ms*** also had an at-fault accident that had not been disclosedThe policy premium was corrected to include this undisclosed accident
On June 1, 2015, Esurance spoke with Mr*** to advise of the discovered incident and premium changeThe following day, Mr*** requested that the policy be cancelledThe policy was cancelled effective June 2, 2015, per Mr***'s requestA refund of all unearned premium was issued on June 3,
Supporting documentation is available upon requestThank you for allowing Esurance this opportunity to respond to the complainant's concerns
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company of New Jersey

Initial Business Response /* (1000, 5, 2015/07/06) */
July 6,
Revdex.com
*** *** ***
*** *** Suite
*** CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured
Name: *** ***
Policy Number: PAAZ-XXXXXXX
Claim Number: EXP-XXXXXXX
Date of Loss: 04/25/
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
On April 25, 2015, Esurance's insured, Mr*** *** reported a claim to Esurance stating that while he was driving his *** he struck a parked and unoccupied Ford Expedition
On May 2, 2015, Esurance contacted the phone number provided for Ms*** ***The caller advised that Esurance had the incorrect number for *** ***
On May 6, a contact email was sent to ***@aol.com advising that Esurance was attempting to contact them regarding the claimEsurance received information on Ms***' insurance carrier, Metropolitan Insurance
On June 29, 2015, Esurance reached out and left a message for *** *** XXX-XXX-XXXXx *** to confirm if the ***'s wanted to proceed through Esurance for the loss or through her own insurance companyEsurance spoke to *** at Metropolitan Esurance and confirmed that the *** wanted to go through Esurance for their repairsEsurance attempted to contact Ms*** on June 29, 2015, and June 30, Upon our third attempt on July 1, 2015, Esurance spoke with Ms***'s and an inspection was set up to have her vehicle inspected for repairs
Liability is adverse to Esurance's insured and payment will be issued for damages to the Ford upon receipt of an approved estimate
If you have any additional questions please contact our office
Sincerely,
*** ***
*** ***
Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2016/01/18) */
January 18,
Revdex.com
Attention: *** ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Re: Revdex.com Case
Number: XXXXXXXX
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: PAFLXXXXXXX
Claim Number: NYAXXXXXXX
Date of Loss: September 28,
Insurance Company: Esurance Insurance Property and Casualty Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Property and Casualty Company is in receipt of the above referenced complaint regarding a claim made on a private passenger *** policy
Esurance received report of this claim on September 28, 2015, from the Complainant, *** ***Mr*** reported that his vehicle was struck when a vehicle went left of center, striking his vehicle head onAt this time, Mr*** did not have information on the adverse vehicleMr*** further advised that he wanted to pursue the other carrier for his damages
Esurance ordered the police report on the date of report and received a copy on October 1, The adverse vehicle was determined to be owned by Enterprise Rent-a-CarA claim was reported to Enterprise to assist Mr*** with his third party claimMultiple attempts were made to Enterprise to discuss coverage and liabilityHowever, Enterprise was unresponsive
On November 4, 2015, Esurance made a follcall to Mr*** to discuss filing through EsuranceOn November 20, 2015, Mr*** agreed to allow an Esurance adjuster to inspect his vehicleAn inspection was completed on November 23, 2015, and the damages were determined to be $1,882.57, which would be under the $2,deductible that was elected on this policy
On December 3, 2015, Esurance received a denial letter from Enterprise, who denied coverage as the operator of the vehicle was unauthorized based on their rental contractThe operator of the vehicle was *** ***This was verified with a police reportThe person that rented the vehicle was *** ***A carrier discovery was completed for *** *** in an attempt to locate additional coverageA possible policy was located with GeicoThe claim has been reported to GeicoHowever, coverage is still pendingEsurance continues to communicate with Geico in an attempt to locate valid coverage for the operator of the adverse vehicleThis claim remains open and active
Thank you for allowing us the opportunity to respond to this complaint
Sincerely,
***
Assistant Branch Manager, NY Claims
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Property and Casualty Company
Initial Consumer Rebuttal /* (3000, 7, 2016/01/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have called and left messages no response its been months and as far as knowing anything bout GEICO never heard about them being the insurance company and the driver being *** ***
Final Business Response /* (4000, 9, 2016/01/21) */
January 21,
Revdex.com
Attention: *** ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: PAFLXXXXXXX
Claim Number: NYAXXXXXXX
Date of Loss: September 28,
Insurance Company: Esurance Insurance Property and Casualty Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Property and Casualty Company is in receipt of the consumer rebuttal regarding a claim made on a private passenger *** policy
Esurance made a follcall to Geico on January 20, 2016, to verify the status of their coverage investigationGeico advised that *** ***, the operator of the rental vehicle, was removed from their policy prior to this accidentEsurance has requested a formal denial to support their coverage position
A voicemail message was left for Mr*** on this same date to provide him with the current statusOnce a denial is received, Esurance can proceed with the claim under Mr***'s Uninsured Property Damage coverageThis coverage is subject to a $deductible versus the $deductible that is carried under Mr***'s Collision coverage
Thank you for allowing us the opportunity to respond to this inquiry
Sincerely,
***
Assistant Branch Manager, NY Claims
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Property and Casualty Company

Initial Business Response /* (1000, 5, 2015/07/31) */
July 31,
Revdex.com
Attention: *** ***
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured
Name: *** ***
Policy Number: PAMD-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
Esurance records indicate that the refund in the amount of $was successfully refunded to the card ending in as this was the last method of payment on file for policy number PAMD-XXXXXXXThe refund confirmation number is XXXXXXXXXXXXXXXXXXXXXXXEsurance has not received notification from the insured's financial institution that refund was returned to Esurance or not accepted by the financial institution
A review of the June 23, 2015, telephone call confirmed that the Representative did not indicate that the refund would be issued to the new credit card for the new California policyThe refund was issued to the last method of payment on file
Esurance understands the insured's frustration; however, Esurance was able to verify that this refund was captured successfully by the financial institution and Esurance received a confirmation number for this refund transactionThe financial institution should be able to track this refund using the confirmation number listed above
If you have any additional questions please contact our office
Sincerely,
***
***
Senior Compliance Analyst
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (2000, 7, 2015/08/02) */
I just received a check from the bank (M&T) that esurance claimed to have refundedAt this point I'm not sure who is at faultI'll contact the bank to see if it was their error or esurance's

February 1,
Revdex.com
Attention: *** ** *** *** ***
*** *** *** *** *** ** ***
Via Electronic Response: ***
RE: Complaint Number:
***
Complainant Name: James ***
Named Insured: *** ***
Policy Number: ***
Claim Number: ***
Date of Loss: 12/06/
Insurance Company: Esurance Insurance Company
NAIC Number:
To Whom It May Concern:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Insurance Company, is in receipt of the complaint submitted by James*** regarding the above captioned automobile policyEsurance was not notified of this complaint submission dated (01/19/2018) and apologizes for the delay in responding
On December 19, 2017, Esurance accepted liability on behalf of *** ***, the insured, based on the insured confirming that he rear ended the vehicle in front of him, a Ford Fiesta owned by the claimant, James ***, and driven by his daughter, *** ***. After confirming coverage per No Pay, No Play laws and upon physical inspection of the damages to *** *** vehicle, Esurance issued a payment for the rear damage to that vehicle in the amount of $on January 9, 2018.
On January 12, 2018, Esurance received a supplement invoice that brought the total damages to*** *** vehicle to $1,357.90, and we issued a payment in the amount of $on January 25, 2018, following the review and approval of those additional damages, bringing the total payments on the claim for the rear damage on *** *** vehicle to $1,
Esurance also advised by *** *** that there are some mechanical issues with the front end of his vehicle; however; at this point in time, the information on the loss has indicated that the only damages to *** *** vehicle were to the rear (which is also consistent with the damages he references in his complaint). We have ordered the police report and requested that *** *** have his daughter, *** ***, call in to provide a statement; this will allow Esurance to further investigate any additional damages that may be owed to the front end of his vehicle, as we would be happy to pay for related damages in that area of the car should our investigation indicate that those are owed
At the present time, Esurance has paid for related damages to the rear of *** *** Ford Fiesta, including the supplemental payment. We have also requested to*** *** to have his daughter to contact us to provide a statement and we will also review the police report once it is received to determine if additional damages to the front end of *** *** vehicle are related to this loss
We consider this matter resolved with regard to the rear damage to *** *** vehicle as referenced in his complaint, and we are actively investigating additional damages to the front end of his vehicle to determine whether we also owe for those damages
Thank you for allowing Esurance this opportunity to respond to the complainant’s concerns.
Sincerely,
Kimberly***
Compliance Analyst
Esurance Insurance Services, Inc
On Behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/07/31) */
July 31,
Revdex.com
Attention: ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name:
*** ***
Named Insured: *** ***
Policy Number: PAMI-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced personal automobile insurance policy
In her complaint Ms*** states that she has been advised of different policy premiums each time she has contacted Esurance and that her overall *** experience has been stressful
On April 21, 2015, Esurance contacted Ms*** regarding her request to review the payment amounts on the policyEsurance advised that regular monthly payments should be $as requestedHowever, the payment of $Ms*** attempted to make online on March 25, 2015, was never actually receivedSince this payment was not received this amount had to be spread into the remaining payment amountsAdditionally the returned payment caused our system to skip a payment, this meant five payments instead of six were remaining for this term
Esurance offered the following two options:
Take the entire remaining balance and make all the remaining four payments of $with the below payment schedule
05/01/
06/01/
07/01/
08/01/
Process a payment of the $and $= $By doing this the remaining payments would be $with the remaining payment dates
05/01/
06/01/
07/01/
08/01/
On May 03, 2015, Ms*** chose option and made a payment of $to cover the time frame prior to the May 01, 2015, Payment
Esurance did not receive an additional payment until June 19, for $390.34, and this put the account past due as the May 05, 2015, payment had not been made
On July 07, 2015, Esurance mailed a cancelation notice to Ms*** advising the policy was set to cancel on July 20, 2015, for non-payment of the premium
On July 20, 2015, the policy cancelled for non-payment of the premium and a balance of $still remains at this time
On July 22, 2015, Ms*** contacted Esurance and asked that all her contact information be removed from our system and that we do not contact her in the future
Esurance sincerely apologizes for any experience that did not meet MS***'s expectations
Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to *** ***, Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On Behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They didn't have the right to expose my personal information thereI really don't appreciate that and the premiums and payment were messed up because they could give me an exact payment every month they kept changing itI believe I should not have the ay the for the huge inconveince they have caused meThank you
Final Business Response /* (4000, 9, 2015/08/19) */
August 19,
Revdex.com
Attention: ***, Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: *** ***
Named Insured: *** ***
Policy Number: PAMI-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced personal automobile insurance policy
In her complaint Ms*** states that she did not appreciate the initial response to her consumer complaint due to the amount of detail that was provided
When responding to a consumer complaint provided by Revdex.com, Esurance goes to great lengths to provide the most detailed response possibleIf by doing so this offended Ms*** then Esurance sincerely apologizes
Since this policy cancelled for non-payment of the premium and not due to an error, the balance of $still remains at this time
Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to *** ***, Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On Behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/11/10) */
November 10,
Revdex.com
Dispute Resolution Department
Attention: *** ***
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant Name:
*** ***
Insured Name: *** ***
Policy Number: PACO-XXXXXXX
Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer correspondence submitted by *** *** regarding the above referenced private passenger *** policy
In his complaint, Mr*** *** is disputing the repair of his windshield with a lower quality or aftermarket windshield compared to his current OEM windshield
Esurance records indicate the above referenced policy was purchased on August 12, 2015, with an effective date of August 14, 2015, with a six-month policy term for the full term premium of $The original policy provided coverage for two vehicles, a Honda CR-V EX and a Honda CR-V EX-L and two operators Ms*** *** and Mr*** ***
The Safelite located in Longmont, CO, submitted the request to the pricing approval department for Esurance on October 22, 2015, and the request was denied due to the age of the vehicle, but that decision was reconsidered when the insured called in to discuss the OEM approvalIt was approved based on the price difference being rather minimalThe repair shop was immediately informed of the approval and on October 23, 2015, the repair shop ordered the windshield
Esurance records indicate that on October 29, 2015, the OEM glass was installed in Mr*** ***'s Honda CR-VEsurance considered this claim closed
Thank you for allowing Esurance the opportunity to address your inquiryIf you have any questions or need additional information regarding this file, please direct all correspondence to *** ***, Compliance Analyst, P.OBox 2890, Rocklin, CA, XXXXX, or via email to ***@esurance.com
Sincerely,
*** ***
*** ***
Unit Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/09/22) */
September 22,
Revdex.com
Attention: *** ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant
Name: *** T ***
Insured Name: *** T ***
Policy Number: PAKYXXXXXXX
Company: Esurance Insurance Company
Dear Ms*** ***
Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced private passenger *** policy
Esurance records indicate the above referenced policy was purchased effective May 11, 2012, for a six month policy termMr*** renewed his policy for an additional six month term effective November 11, 2012, for a full term premium amount of $
On December 6, 2015, Mr*** was provided an Installment Payment Invoice, advising payment in the amount of $would be debited from his method of payment on file
On December 12, 2012, a Notice of Cancellation was issued to Mr*** effective December 30, 2012, for the non-payment of premium
On December 15, 2015, Mr*** contacted Esurance regarding payment to maintain his policyMr*** advised he would call back to provide Esurance a new method of payment for his account
On December 30, 2012, Mr***'s policy was cancelled, and a final invoice was issued to the insured reflecting the outstanding balance due in the amount of $
On January 9, 2013, Esurance attempted to debit Mr***'s method of payment on file for the outstanding account balance
On February 19, 2015, Mr*** contacted Esurance regarding a policy repurchaseEsurance advised Mr*** the past due amount of $was due, and would need to be satisfied for a policy repurchaseMr*** elected not to repurchase a policy at that time
On March 1, 2015, after attempts to debit the insured method of payment for the outstanding balance, Esurance referred the unpaid account balance of $to collections
Esurance confirms Mr***'s account reflects an outstanding balance due in the amount of $
Thank you for allowing Esurance the opportunity to address your inquiry
Sincerely,
*** ***
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/05/21) */
May 21,
Revdex.com
Attention: *** *** Dispute Resolutions
XXX XXth Street, Suite
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant: ***
***
Named Insured: *** ***
Policy Number: PACT-XXXXXXX
Claim Number: NYA-XXXXXXX
Date of Loss: February 25,
Insurance Company: Esurance Insurance Company
Dear Ms***
Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the complaint submitted by Ms*** *** regarding a claim on a private passenger *** policy
This loss was reported by Ms*** on February 26, She reported that a Chevrolet Malibu changed lanes into her vehicle causing the lossDuring the initial claim report she stated she was looking to go through the other vehicle's insurance carrier to cover her damagesShe also provided her attorney's information, as he is currently representing her interests in this loss
Upon assignment, Esurance contacted Ms***'s attorney and confirmed the claim for damages to her vehicle were being presented through the adverse carrierEsurance agreed to close the collision claim at that time
On March 2, 2015, Ms***'s attorney re-engaged Esurance, requesting the collision claim be re-opened and the vehicle damage be assessedAn appraisal of the insured's vehicle was set up that same day and an appointment was scheduled to inspect the vehicle on March 5, The damage estimate amount was $3,404.12, and it was determined to be an eight day repairThe original estimate completed included damage to the front bumper, left fender, left door and left quarter panelThis is the damage that was indicated on the initial report and confirmed with the police report
On March 20, 2015, Esurance received a call from the insured's attorney regarding the repairs and damagesThe insured took delivery of her vehicle and stated there was damage to the right side of the vehicle that was not repairedShe also stated that there was an issue with the steering
The insured was not satisfied with the repairs completed by the original shop, Olender'sShe had the vehicle moved to Hartford Toyota to complete the additional repairsToyota completed the mechanical work to the vehicle which included damage to the suspension and steering
The insured has optional rental coverage available under her policy for $per day for days maximumThe insured was in a rental vehicle from February 26, 2015, to March 21, 2015, for a total of days while her vehicle was at Olender's getting the left side damages repairedEsurance then authorized a second rental when the vehicle was moved to ToyotaThe second rental period was from March 27, 2015, to April 8, 2015, for an additional daysAt that time, Esurance agreed to cover seven days' rental over the policy maximum due to the right side damages not being addressed in the initial estimate
On May 20, 2015, the insured brought her vehicle to Balise Autobody to have the right side damages repaired, as Toyota only completed mechanical repairsAt that time Esurance re-inspected the vehicle and acknowledged issues with the initial left side repairs completed by Olender'sAn additional seven days' rental has been offered and accepted by the insured to cover additional time necessary to repair her vehicle
Thank you for allowing Esurance this opportunity to respond to the complainant's concerns
Sincerely,
*** ***
Assistant Branch Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/09/09) */
September 9,
Revdex.com
Attention: *** ***
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: ***
***
Insured Name: *** ***
Policy Number: PAFLXXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
Esurance records indicate that this policy was purchased on February 22, 2015, to be effective on this same date, for a six month policy termAt the time of purchase, Ms*** took advantage of the DriveSenseTM Program for an additional discount, opted to pay the term premium in monthly installments on the 22nd of each month, and authorized Esurance to charge the method of payment provided for the down payment, as well as all future payments upon renewal or a change to the policy
On July 16, 2015, Esurance extended an offer to renew the policy with the renewal invoice to remind Ms*** that the renewal payment would be withdrawn on July 22, 2015, as well as some outstanding premium due for the first policy term, which would be due on August 22, A policy renewal email was issued with the renewal payment information and to advise that, by renewing the policy, she is agreeing to Esurance's current Terms and Conditions, which state:
Driving Device Restocking Fee
You may be charged a Driving Device Restocking Fee of $for each unreturned Device
Short Rate Fee
You may be charged a Short Rate Fee equal to 10% of the unearned premium if you cancel your Policy for any reasonThis Short Rate Fee is in addition to any premium we earn for the coverage provided and may be deducted from any refund due to you
The scheduled payment was received and the renewal policy was issued effective August 22,
On August 21, 2015, Ms*** requested payment arrangements to be made on the outstanding premium due for the prior policy termEsurance was able to accommodate this request by extending the payment due date to September 4,
On August 27, 2015, Ms*** requested that her policy be cancelledEsurance cancelled the policy effective on this same date per the insured's requestA short rate fee was applied as the cancellation was requested mid-termA device restocking fee has also been charged as the device has not been returnedA return shipment label was issued to Ms*** on August 28, Once the driving device has been returned, the restocking fee will be refunded
Thank you for allowing Esurance the opportunity to respond to this inquiry
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Per several facebook comments from previous customers who are unhappy, the $restock fee will NOT be waived even with return of deviceI did not renew my policy simple as that and I will not pay the $feeI will go to court if neededI will go to the news and report to every website and social media outlet about this horrible company and experience
Final Business Response /* (4000, 12, 2015/09/21) */
September 21,
Revdex.com
Attention: *** ***
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: PAFLXXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer rebuttal regarding the above mentioned private passenger *** policy
As previously stated, the driving device restocking fee would be refunded once the device was returnedEsurance received notification that the driving device was being shipped on September 13, The refund was processed on this same date and refunded to the bank account on file on September 19,
Thank you for allowing Esurance the opportunity to respond to this inquiry
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Final Consumer Response /* (4200, 14, 2015/09/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Still waiting for the additional $96.xx fees to be refunded since I did not renew my policy

Initial Business Response /* (1000, 5, 2015/12/29) */
December 29,
***
Re: Revdex.com Case
Number: ***
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: ***
Claim Number: ***
Date of Loss: 09/30/
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint
Ms***'s vehicle was involved in an accident on September 30, She said her parked car was hit by Ms*** ***a's Toyota Rav Ms***a is insured by AAA Insurance
Ms***'s Esurance policy carries Collision coverage with a $deductibleThe deductible is owed regardless of fault or circumstancesAs a customer service gesture, if the insurance company for the other party accepts liability, Esurance will reimburse its policy holder for their deductible or waive it if they have not yet paid it themselvesThis is done strictly as a customer service gesture as Esurance does not want our customer to have to wait for the other company to send out payment
In this case, AAA Insurance denied that their policy holder caused damageThe other party denied hitting Mr***'s car and Target refused to release and video footage which might prove this lossAs such, Esurance is not able to waive the $deductible
Esurance is ready to handle Ms***'s claim using her collision coverage with the required deductible if she chooses to proceed
Thank you for the opportunity to respond to this complaint
Sincerely,
*** ***
*** ***
Branch Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/12/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Target gave authorization to get a recorded statement to esurance representative which he states he had trouble doingI contacted target about that and they set up an entire day for the store manager to give a statement based on the video footage he sawI gave that information to my "agent" and never heard backThere us also an officer that I have and have given the statement number to that can attest to *** admitting she hit my vehicleWhy am I doing the footwork and then am told I have to pay a deductible that I did not cause the damage for?
Final Business Response /* (4000, 9, 2016/01/18) */
January 18,
***
Re: Revdex.com Case Number: ***
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: ***
Claim Number: ***
Date of Loss: 09/30/
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms***:
Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the additional correspondence regarding the above referenced claim
As per our earlier response, the $deductible is owed regardless of faultIf the other parties insurance company agrees to accept fault for a loss, they are then agreeing to pay Esurance for any payment we make and are agreeing to pay back the deductible to our policy holderAs a courtesy, rather than force our policy holder to wait for this payment from the other company, Esurance will pay our insured's deductible up front and Esurance will then collect it from the other insurance companyIn this case, the other insurance company (AAA Insurance) has denied liability for this lossThey are not willing to reimburse Esurance for this lossAs such, the deductible does apply
Esurance did speak with the manager at Target and should it make payments on this claim, Esurance believes it will have a strong chance to prove this claim and be reimbursed for everything that Esurance pays out and also be reimbursed for her deductibleHowever, unless Ms*** proceeds forward using her collision coverage, Esurance is not able to pursue the other partyUnless Esurance makes payments on this claim, Esurance has no legal right to pursue the damage and Ms*** would need to pursue AAA or the driver directly for the damage
Esurance is ready to handle Ms***'s claim using her collision coverage with the $deductible if she chooses to proceed
Thank you for the opportunity to respond to this complaint
Sincerely,
*** ***
*** ***
Branch Claims Manager
Esurance Insurance Services, Inc
On behalf of Esurance Property and Casualty Insurance Company

To whom it may concern: Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company is in receipt of the consumer complaint regarding the nonrenewal of a personal automobile policy Esurance records confirm that
*** *** did provide the necessary information for Esurance to be able to offer a renewal policy effective March 12, Unfortunately, a Renewal Offer was not issued, nor was a renewal payment invoiced or paid and the policy expired effective that same date Esurance has attempted to reach out to *** *** directly in an effort to assist him in renewing his policy, but has been unsuccessful to dateEsurance strives to provide excellent customer service and apologizes that *** *** experience was unsatisfactory Thank you for the opportunity to respond to this complaint Sincerely, *
** *** Compliance Consultant Esurance Insurance Services, IncOn behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/10/14) */
October 13,
Revdex.com
Attention: *** ***
Dispute Resolution Specialist
Broadway, Suite
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Case Number: XXXXXXXX
Complainant
Name: *** ***
Insured Name: *** ***
Policy Number: HPILXXXXXXXXX
Claim Number: HOMXXXXXXX
Date of Loss: 05/27/
Company: Esurance Insurance Company
Dear Ms***
Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Insurance Company, is in receipt of the consumer complaint submitted by *** *** regarding the above referenced Homeowner's policy
Esurance records confirm the above referenced policy was purchased effective April 20, 2015, for a one-year policy term
As part of the underwriting process, an inspection of the insured's property was completedUpon review of the home inspection, the inspector noted the exterior siding had two panels with damage, and the roof shingles had mild to severe curlingIn addition to the noted home hazards, the insured also failed to sign the application terms and conditions of her policy
On June 1, 2015, Esurance sent an email to Ms*** regarding the home hazards and/or conditions, and advised remedy documentation would need to be submitted by July 6, The policy was set to cancel effective July 6, 2015, for the unacceptable inspection results, and for the failure to accept the terms and conditions of the policy
On June 3, 2015, Ms*** reported a claim to Esurance regarding wind damages to her homeMs*** reported that on May 27, 2015, her roof had sustained wind damage as she had noticed shingles were curlingEsurance sent an independent adjuster to inspect the roof on June 5, The inspection revealed no storm related damages to the insured's roofSubsequently, Esurance notified Ms*** that no storm related damages were revealed to her roof
On July 6, 2015, Ms***'s policy was cancelled, and a premium refund was credited to the insured method of payment on file
Unfortunately, Esurance is unable to refund the insured for the premium earned for coverage provided during the policy period of April 20, 2015, through July 6, Esurance records confirm Ms*** submitted a claim for wind damages to her homeEsurance investigated the loss, in which it was determined no wind damages were discovered to the insured's roofAs such, Esurance is unable to remove the claim
Thank you for allowing Esurance the opportunity to address your inquiry
Sincerely,
***
SrManager Underwriting
Esurance Insurance Services, Inc
On behalf of Esurance Insurance Company

Complaint: ***I am rejecting this response because: My credit card was charged not my bank debit cardMy bank did not issue a charge backEssurance charged my Discover card and then partially charged the refund and then charged it again.Sincerely,*** ***