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Esurance, Inc. Reviews (131)

To whom it may concern:
 
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 regarding the settlement offer for a claim made on a personal...

automobile policy.
 
This complaint stems from a claim for damages to [redacted] vehicle, which was struck by a vehicle insured by Esurance. At the time of the accident, [redacted] vehicle had [redacted] miles on it. Esurance accepted liability on behalf of our insured and contacted [redacted] to determine the extent of his damages and to schedule an inspection of his vehicle. Our claims representative spoke with [redacted] on May 11, 2017, who indicated that he had his vehicle taken to a local Honda repair facility and they advised him that his vehicle was a total loss. 
 
At that point, the claims adjuster dispatched a staff appraiser to inspect the vehicle. Our appraiser inspected the vehicle and confirmed that it was (in fact) a total loss. The appraiser noted unrelated prior damage to the left fender of the vehicle and noted the overall condition of the vehicle to be fair, with obvious staining to the seats, hole(s) in the headliner and some issues with the carpet coming up. An estimate was written for visible damage of $1,277.60 with another estimate for unrelated damage to the fender totaling $285.99.
 
On May 17, 2017, the claims adjuster had a discussion with Mr. [redacted] as to the value of his vehicle. Esurance utilizes CCC for its valuations, an industry norm for the practice. The CCC valued [redacted] vehicle at $1,277.60, including tax. When the claims adjuster spoke with [redacted] she explained that the vehicle was showing as being previously totaled by Liberty Mutual in 2008 when the vehicle was owned by another party. As such, the title came back as “branded”. At that time, [redacted] advised that he was aware of the vehicle’s history, but that the vehicle had in fact been repaired rather than totaled. [redacted] disputed the condition description for the vehicle, which negatively impacted its value and indicated that he had spilled coffee at the time his vehicle was struck and that the seats had been in good condition prior to that. [redacted] also noted that he felt that the vehicle’s overall condition was average for a 22 year old vehicle. [redacted] noted that he had paid $3,800 for the vehicle and had done some work on the engine himself. The claims adjuster advised that any recent work on the vehicle would be considered if he could supply parts invoices.  
 
[redacted] called back later that day noting that his vehicle does not have a branded title.   The claims adjuster asked him to produce the title and Esurance would make the necessary adjustment if it was in fact not branded. On May 18, 2017, [redacted] called again to dispute the comparable vehicles used for the valuation. [redacted] felt that Esurance should be using comparable of “mint low mileage” Hondas rather than comparables with similar mileage to his vehicle.
 
Later that day, Esurance received a copy of the title, which in fact was not branded. A follow up call to Liberty Mutual determined that they had declared the vehicle a total loss, resulting in the designation of “branded title”. Their insured at that time disputed the total loss and they eventually agreed to repair the vehicle, however, the total loss designation was left in the system.
 
As Esurance has now confirmed that we are dealing with an unbranded title, the value of the vehicle has been amended to reflect the correct title, bringing the adjusted value to $1,548.31.   [redacted] is currently in possession of the adjusted report. Esurance has also asked again that [redacted] submit invoices for the repair work he performed on the vehicle, at which time, Esurance will consider same and adjust the value accordingly.
 
[redacted] is currently demanding $2,245 for his vehicle in total loss value. Esurance has asked for him to provide supports for this valuation and have only received reports of similar vehicles from different regions of the country, which are not comparable to the venue in question. The comparables provided to him in the report from CCC are all within an acceptable range from his current location. The vehicles utilized are clearly listed on the CCC report and any variances from his vehicle have been adjusted accordingly to arrive at the offered amount.
 
Thank you for the opportunity to respond to this complaint.
 
Sincerely,
 
[redacted]
Assistant Claims Manager
Esurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2016/01/21) */
Contact Email: [redacted]@esurance.com
January 20, 2016
Revdex.com
Attention: [redacted], Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response:...

goldengate.app.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]
Named Insured: [redacted]
Policy Number: PAMI-XXXXXXXXX
Claim Number: TXA-XXXXXXX
Date of Loss: 11/29/2015
Insurance Company: Esurance Property & Casualty Insurance Company
NAIC Number: XXXXX
Dear Ms. [redacted]:
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 [redacted] regarding the above claim for a private passenger [redacted] policy.
Esurance records reflect a report of the theft of the 2008 Dodge Nitro on November 30, 2015. The file was assigned to claim representative [redacted] on that same date. Several contact attempts were made, however, an incorrect phone number was provided on the policy and claim submission.
On December 3, 2015, Esurance sent a contact letter requesting assistance from the insured, as we had not been able to reach you by telephone. On December 8, 2015, Esurance received the correct contact phone number and was able to leave a message for a return call on December 12, 2015.
On December 17, 2015, the file was referred to our Special Investigations Unit based upon the initial facts of loss. The facts presented were as follows: that someone stole the Dodge, was then involved in a collision and returned the car to the insured's garage. As this is not typical, additional questions regarding the claim needed to be addressed.
On December 17, 2015, a Reservation Of Rights letter was mailed, as Esurance had not been able to contact the insured to address the claim. On December 17th and 22nd, the assigned investigator attempted contact again to address the claim. On December 24, 2015, the adjuster received an email from the policyholder's husband apologizing for unresponsiveness. On December 28, 2015, the adjuster received an email indicating that the insured was working on obtaining cell phone records. On December 30, 2015, the investigator again attempted contact to address the claim and a message was left for a return call.
On January 4, 2016, a recorded statement was completed with the named insured's husband. On January 5, 2016, a private investigator was assigned to gather some additional information with regard to the claim. On January 11, 2016, the 2008 Dodge arrived at our salvage yard for inspection.
Our investigation reveals that this is a collision loss by an unspecified operator versus a comprehensive theft. On January 12, 2016 Esurance discussed this with Mrs. [redacted] and agreed to resolve the claim as a collision loss. The police report has been ordered but has not yet been returned. If additional information is obtained, the loss causation can be changed to reflect the occurrence of a theft.
Thank you for allowing Esurance the opportunity to address the concerns presented. If you need further information regarding this matter, please forward any additional correspondence to [redacted]@esurance.com.
Sincerely,
[redacted]
Fire and Theft Unit Manager
Esurance Insurance Services, Inc.
On behalf of Esurance Property & Casualty Insurance Company

Initial Business Response /* (1000, 7, 2015/09/18) */
September 18, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name:...

[redacted]
Named Insured: [redacted]
Policy Number: PAPA-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company

Dear Ms. [redacted]:

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 [redacted].
In his complaint Mr. [redacted] states that multiple insurance policies have been created in his name. Mr. [redacted] also advised that this situation has cost him time and inconvenience.
Esurance has researched and remedied the cause of Mr. [redacted]'s concerns. No additional policies will be created under Mr. [redacted]'s name.
Esurance sincerely apologizes for any frustration or inconvenience that this situation may have caused him. Esurance strives to provide an exceptional [redacted] experience and apologizes if this was not the case for Mr. [redacted].
Thank you for allowing Esurance the opportunity to respond to the concerns. If you have any questions or require additional information, please direct all future correspondence to [redacted], Compliance Analyst, at; P.O. Box 2890, Rocklin, CA, XXXXX.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On Behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/05/27) */
May 27, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]...

[redacted]
Named Insured: [redacted]
Policy Number: PAMAXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the complaint submitted by [redacted] regarding a refund on the above referenced private passenger [redacted] policy.
Esurance records indicate this policy was purchased effective November 21, 2014. At the time of purchase, Mr. [redacted] opted to participate in the DriveSenseTM Discount program by installing a telematics device in his vehicle. Mr. [redacted] also accepted the policy terms and conditions, which discloses the driving device restocking fee that may be charged when the device is not returned following policy cancellation.
Also at the time of purchase, Mr. [redacted] authorized Esurance to charge the method of payment on file for the down-payment, as well as all future payments upon renewal or a change to the policy.
On April 25, 2015, a renewal policy payment notification was issued to remind Mr. [redacted] that a payment would be charged on May 11, 2015, for the renewal term effective May 21, 2015. That scheduled payment was collected on May 11, 2015, and the renewal policy was issued.
On May 12, 2015, Mr. [redacted] contacted Esurance and requested that the policy be cancelled effective May 21, 2015. On May 13, 2015, Esurance refunded the renewal payment minus the driving device restocking fee, which will be reimbursed upon return of the driving device.
Esurance strives to provide excellent [redacted] and apologizes for the delay in providing the return shipping label for the driving device's return shipment. To date, it has been confirmed that the return shipping label has been provided. Again, the restocking fee will be refunded upon return of the driving device.
Thank you for allowing Esurance this opportunity to respond to the complainant's concerns.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/06/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hi,
I do not believe I ever authorized Esurance to store my credit card information and charge me in future. I would like to see proof of any such approval or authorization.
In addition, I was told that their DriveSense Driver discount program would be a no obligation and no liability program for me. And that there would be no charges associated with it. I was made aware of the re-stocking fees only after I cancelled the insurance policy. I do not believe I ever agreed to pay any re-stocking fees for the device when I signed up for the policy. I would like to see proof of any such agreement.
I cancelled my policy on May 12, 2015 and I was charged the device re-stocking fees on May 14th 2015. I called them on May 18th to get clarification. This is when I was told that the DriveSense device must be returned and that I would be charged restocking fees if I fail to do so. I agreed to return and asked them to send me the Return Shipping label. It was a stressful experience to try to return their DriveSense equipment and get the re-stocking fees refunded. I was told it would take 24hrs to receive the label. I received no such label. I had to call ESurance multiple times and below is the log of my calls to their [redacted] department:
Called Esurance on May 19th 2015 (12.47 PM) Call Duration: 8 mins, 29 secs - Was told they will re-send the shipping label and asked me to wait 24 hrs. Waited 24 hours. No label yet.
Called Esurance on May 20th 2015 (10.44 AM) Call Duration: 3 mins, 37 secs - Was told they will add rush shipping note to send me the label quickly. Asked me to wait 2 days. Waited for 2 days. No label yet.
Called Esurance on May 22nd 2015 (2.13 PM) Call Duration: 6 mins, 2 secs - Was told it might take a few more days. They mentioned they added Rush Shipping note on my return label to process it quicker. I waited few more days. No abel yet.
Called Esurance on May 25th 2015 (2.27 PM) Call Duration: 13 mins, 31 secs - After speaking and escalating, I was told I will recieve the label in 5 minutes. Waited for 3 hrs. No label yet.
Called Esurance again on May 25th 2015 (5.12 PM) Call Duration: 20 mins, 45 secs - Similar response. Was told I will receive the label in few minites. I did not receive anything that day or the next.
Called Esurance on May 26th 2015 (9.32 PM) Call Duration: 31 mins, 34 secs - Spoke to gentleman named [redacted]. I had him connect me to the supervisor. Got connected to [redacted] (Supervisor) who said he would look into the matter personally.
I finally received the return shipping label in an email on at 11.32 PM on May 26th 2015. I shipped the device on May 27th 2015. It took two days for Esurance to proces my refund. I finally received a refund on May 27th 2015.
As is obvious from the above log, as a [redacted], it was an extremely stressful experience to get ESurance to get the return shipping label emailed out. In addition, there is a 1-2 day delay in their refund process.
Final Business Response /* (4000, 9, 2015/06/12) */
June 12, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite [redacted]
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]
Named Insured: [redacted]
Policy Number: PAMAXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the rebuttal submitted by [redacted] regarding a refund on the above referenced private passenger [redacted] policy.
As previously stated, on November 20, 2014, Mr. [redacted] accepted the terms and conditions of the policy, which discloses the driving device restocking fee that may be charged when the device is not returned following policy cancellation. Also at the time of purchase, Mr. [redacted] authorized Esurance to charge the method of payment on file for the down-payment, as well as all future payments upon renewal or a change to the policy. These policy documents and disclosures are available under "ID cards & documents" when logged into their online account.
Esurance again acknowledges and apologizes for the delay in providing the shipping label for the driving device's return shipment. Esurance appreciates all [redacted] feedback as it helps us to improve our processes and procedures.
Thank you for allowing Esurance this opportunity to respond to the complainant's concerns.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company

Initial Business Response /* (1000, 9, 2016/01/12) */
January 12, 2016
Revdex.com
Attention: [redacted]
Dispute Resolution Specialist
[redacted] CA XXXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Re: Revdex.com Case...

Number: XXXXXXXX
Complainant Name: [redacted]
Insured Name: [redacted]
Policy Number: PASCXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Please accept this letter as confirmation that Esurance Insurance Services, Inc. (Esurance) on behalf of Esurance Insurance Company is in receipt of the above referenced complaint.
Esurance records indicate that this policy was purchased on December 22, 2015, via online application, to be effective on January 1, 2016. At the time of purchase, Mr. [redacted] agreed to the terms and conditions of the policy, which declares that the statements contained in the Application are true and agree to pay any applicable surcharges resulting from inaccurate statements in the Application.
Insurance carriers are afforded 90 days to review an insurance application for accuracy; this is called the underwriting period. During the underwriting period, it was discovered that Mr. [redacted] had received a traffic violation in 2014. When Mr. [redacted]'s driving record was updated to reflect the discovered activity, the premium did change accordingly. An amended policy declaration and invoice were issued on January 2, 2016.
Esurance has confirmed that the policy was issued per the information provided during the application process and then appropriately updated with the discovered driving record activity. Esurance must treat all policyholders the same and cannot make an exception. Esurance apologizes for any confusion or inconvenience and hopes to retain Mr. [redacted] as a [redacted].
Thank you for allowing us the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company
Initial Consumer Rebuttal /* (3000, 11, 2016/01/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have taken screenshots for the Esurance online quote process. They have a flaw in the step where a person would enter information about any recent violations. As previously stated, I don't think I should be held accountable for a flaw in their system. This document has been sent to the Revdex.com. Please pass it along to Esurance.
Final Business Response /* (4000, 17, 2016/01/25) */
January 25, 2016
Revdex.com
Attention: [redacted]
Dispute Resolution Specialist
[redacted] Suite [redacted] CA XXXXX
Via Electronic Response: goldengate.app.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: [redacted]
Insured Name: [redacted]
Policy Number: PASCXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Please accept this letter as confirmation that Esurance Insurance Services, Inc. (Esurance) on behalf of Esurance Insurance Company is in receipt of the above referenced complaint.
Esurance has reviewed Mr. [redacted]'s concerns and agrees to honor the originally-purchased premium for this policy term. As rates are always being re-evaluated and changing, Esurance cannot guarantee the rate at the renewal effective July 1, 2016, but will provide ample notice to review the Renewal Offer prior to that date. If Mr. [redacted] chooses not to renew this policy, he simply needs to contact Esurance prior to July 1, 2016.
Mr. [redacted]'s policy premium has been updated to reflect the originally quoted premium. Thank you for allowing us the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company
Final Consumer Response /* (2000, 19, 2016/02/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Esurance reviewed the attachment I sent them and agreed to refund the additional amount I was charged. I will definitely consider staying with them in the future!

Initial Business Response /* (1000, 5, 2015/10/13) */
October 13, 2015
Revdex.com
Attention: [redacted], Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name:...

[redacted]
Named Insured: [redacted]
Policy Number: PAWI-XXXXXXX
Insurance Company: Esurance Insurance Company

Dear Ms. [redacted]:

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 [redacted] regarding the above referenced personal automobile insurance policy.
In his complaint Mr. [redacted] states that he has attempted to obtain a police report from Esurance and that he has left multiple messages with no response.
Esurance records reflect that we sent a copy of the police report to Mr. [redacted] as requested on September 24, 2015. If Mr. [redacted] has not received the copy of the Police report, we encourage him to contact us to resolve the concern.
In response to Mr. Lyons additional question regarding his deductible, no longer having an Esurance policy does not return the $250.00 deductible associated with the accident.
Thank you for allowing Esurance the opportunity to respond to the concerns. If you have any questions or require additional information, please direct all future correspondence to [redacted], Compliance Analyst, at; P.O. Box 2890, Rocklin, CA, XXXXX.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On Behalf of Esurance Insurance Company

Initial Business Response /* (1000, 5, 2015/06/25) */
June 25, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite [redacted]
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]...

[redacted]
Named Insured: [redacted]
Policy Number: PANYXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the complaint submitted by [redacted] regarding the cancellation of the above referenced private passenger [redacted] policy.
The State of New York allows all insurance companies 60 days from policy inception to ask additional questions and/or request additional documentation for clarification in order to properly underwrite new business policies during what is called the "underwriting period" of a policy.
Esurance records indicate that this policy was purchased on May 11, 2015, to be effective May 12, 2015. During the underwriting period, Esurance was unable to verify information provided by Mr. [redacted] on his insurance application. For example, Esurance was unable to locate any evidence, neither Fair Credit Reporting Act (FCRA) reports such as a credit report nor public records, to show Mr. [redacted] ever resided at the Geneva, New York address listed on his policy. All reports show Mr. [redacted] most current in various Jamaica, New York addresses.
On May 14, 2015, Esurance emailed Mr. [redacted], requesting proof to current address to ensure the proper rating of the policy, as well as proof of homeownership, anti-theft and Vehicle Identification Number Etching to verify the discounts being applied to this policy. The notice requested the information to resolve the underwriting concerns be submitted for review within ten days. This notice also stated that if there was no response, the policy could be cancelled, nonrenewed or changes could be made to the policy.
On May 19, 2015, Mr. [redacted] spoke with Esurance and informed the underwriting representative that he did not own a home and was renting. At that time, the representative removed the Homeowners Discount, which was being applied to the policy. Also during that phone call, Mr. [redacted] was advised that he needed to provide a current utility bill in his name for proof of current residency. Mr. [redacted] was also asked to provide the name of the homeowner with whom he resided. Unfortunately, Mr. [redacted] would not provide the name of the homeowner and indicated he did not have a utility bill in his name and he abruptly disconnected the call.
Esurance attempted to call Mr. [redacted] back to continue the conversation, however, there was no answer. The representative left a message on his voicemail to contact Esurance to discuss the underwriting concerns on this policy. Esurance attempted to contact Mr. [redacted] by telephone again on May 20, 2015 and on May 22, 2015. Unfortunately, Esurance was no longer able to leave messages on his voicemail.
On May 28, 2015, Esurance had not received the requested information from Mr. [redacted], therefore, a notice of cancellation was issued for failing to provide information necessary to properly underwrite and/or rate the policy. The effective date of the cancellation was scheduled for June 21, 2015.
On May 29, 2015, after receiving a notice of cancellation, Mr. [redacted] contacted Esurance and was again advised that he would need to provide a utility bill in his name as proof of address.
Esurance sincerely apologizes if Mr. [redacted]' experience has been less than satisfactory. Esurance strives to offer excellent [redacted] to all of its customers, but must also treat all policyholders the same. Unfortunately, Mr. [redacted]' did not provide the requested information and the policy has cancelled effective June 21, 2015. If Mr. [redacted] is able to provide a current utility bill in his name showing proof of his current residence, the names of other household members living with him at his address, and the documentation requested for the Anti-theft and VIN Etching Discounts, Esurance would be happy to assist him in repurchasing a new policy.
Esurance appreciates the opportunity to respond to this complaint. Supporting documentation is available upon request.
Sincerely,
[redacted]
Underwriting Supervisor
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company
Initial Consumer Rebuttal /* (3000, 7, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It isn't legal to require that someone provide a lease or utility bill information when it is not in their name nor is it a requirement for a garaging address. I specified that I don't own the property that I live in and I only pay a rent which means I don't have access to utility bill information or anything else that relates to the personal information of the property owner. In addition, they are solely relying on information from a credit report that is not completely reliable to begin with. I don't know why they gave me a HO Discount but all they had to do was remove it rather than cancel my policy. Why would they need the name of the homeowner when I am not part of the household? So they can divulge my insurance information to them, which would be another violation of the law? The address that they said I reside at on a recorded conversation was at XXX-XX [redacted] XXXXX. I haven't lived there since 2008, well over 5 years. What is the statute of limitations on a property address you no longer use? I don't even get mail there.
Final Business Response /* (4000, 9, 2015/07/13) */
July 13, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth [redacted] Suite [redacted]
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]
Named Insured: [redacted]
Policy Number: PANYXXXXXXX
Insurance Company: Esurance Insurance Company
Dear Ms. [redacted]
Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the rebuttal submitted by [redacted] regarding the cancellation of the above referenced private passenger [redacted] policy.
Mr. [redacted]' policy cancelled effective June 21, 2015, due to failing to provide proof of current garaging address necessary to rate and/or underwrite the policy.
Again, the State of New York allows all insurance companies 60 days from policy inception to ask additional questions and/or request additional documentation for clarification in order to properly rate and/or underwrite new business policies during what is called the "underwriting period" of a policy.
It is important for Mr. [redacted] to understand that each insurance company has its own underwriting guidelines. Esurance requires proof of primary residence/garaging address in cases where the underwriting team is unable to validate a [redacted]'s current address. Esurance attempted to verify Mr. [redacted]' residence through several consumer reports, including, but not limited to, a credit report. Unfortunately, Mr. [redacted] was unable to provide any valid form of proof of primary residence.
Mr. [redacted] advised Esurance that he lived with the homeowner of the address listed on his policy. Esurance requires all drivers in a household to be listed on the policy. When asked about the homeowner he resided with, Mr. [redacted] refused to provide any information regarding household member(s).
In cases such as Mr. [redacted]', Esurance recommends that he obtain auto insurance coverage with a local agent in his neighborhood who might be able to better assist him with his unique auto insurance situation.
Esurance appreciates the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Insurance Company
Final Consumer Response /* (4200, 11, 2015/07/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What kind of proof did they need other than my credit report with inaccurate data, which they used? Since they couldn't give me a list of options or alternative methods of verifying garaging address other than asking the owner for personal business information and possibly affecting their auto insurance rates? I explained to them that I didn't own the property or control utility expenses in my name. I am also not related to the homeowner. Why would they give me that information? I'm renting a rooom from them.

Initial Business Response /* (1000, 5, 2015/10/27) */
October 27, 2015
Revdex.com
Attention: [redacted]
Dispute Resolution Specialist
1000 Broadway, Suite 625
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant...

Name: [redacted]
Insured Name: [redacted]
Policy Number: MCCA-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms. [redacted]:
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.
The claimant was involved in two separate accidents involving Esurance. Please be advised that both losses have been resolved.
On September 17, 2015, the claimant was paid $453.25 for damages sustained to his vehicle in the August 14, 2015, loss.
On October 19, 2015, Esurance resolved his injury claim related to his July 31, 2015, loss. His insurance carrier paid for repairs to his vehicle. Once his carrier submits documentation, the carrier will be reimbursed for damages paid.
Please contact me if you have any questions.
If you have any additional questions please contact our office.
Sincerely,
[redacted]
Branch Claims Manager
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company
Phone: (XXX) XXX-XXXX
Fax: (XXX) XXX-XXXX
[redacted]@esurance.com

To whom it may concern:
 
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 regarding the settlement offer for a claim made on a personal automobile policy.
 
[redacted] states in his rebuttal that one of the comparable vehicles that were provided in our valuation report is from Utah. This is correct; however, this was on the first valuation report where the 1995 Honda Civic was listed as having a branded title. When Esurance confirmed that the title was in fact not a branded title, the valuation was run a second time using local vehicles – specifically from Fort Lauderdale, Miami, and Hollywood, Florida.
 
Esurance remains open to the possibility of adjusting the value of [redacted] vehicle given the recent mechanical work that was completed. [redacted] was advised that we would need receipts to document the work allegedly performed and the amount paid in order for an adjustment to be made to the value; [redacted] stated that the receipts are located in North Carolina and he does not have access to them at this time. Esurance offered to contact the mechanical shop that performed the work to obtain the documentation on his behalf. [redacted] stated that he paid a mechanic to perform the work after hours so there are no receipts available from a business entity.
 
Esurance contacted [redacted] today and offered to settle this via third-party mediation. [redacted] has expressed interest and this option is currently being explored.
 
Thank you for the opportunity to respond to this complaint.
 
Sincerely,
 
[redacted]
Assistant Claims Manager
Esurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. Sincerely, [redacted]

Tell us why here...
Esurance records indicate that the above referenced policy was purchased effective January 6, 2017, for a six month policy term, insuring a [redacted].  At the time of policy purchase, the policyholder accepted the terms and conditions of the policy, thereby...

agreeing to transact business electronically to include making policy payments.  Also at the time of purchase, the policyholder authorized Esurance to debit the method of payment on file for the initial policy payment, and all future payments upon renewal or changes to her policy. 
 
On January 6, 2017, [redacted] contacted Esurance to report a loss involving the listed [redacted].  The claim was subsequently denied, as the investigation revealed the policy had been purchased after the subject loss had occurred.
 
On January 23, 2017, [redacted] updated her policy to reflect the deletion of the [redacted], and added a [redacted]  At that time, an updated payment schedule was issued to the policyholder. 
 
On January 31, 2017, the policyholder requested a change to her billing date to reflect the 13th of each month.  On the same date, [redacted] authorized Esurance to debit her method of payment for the remaining payments for the policy term.
 
On February 13, 2017, Esurance attempted to debit [redacted] method of payment in accordance to her billing schedule.  Subsequent attempts were made to debit [redacted] method of payment for the premium owed; however, Esurance was unable to process payment. 
 
On February 15, 2017, a Notice of Cancellation was mailed for the Nonpayment of premium effective March 1, 2017.
 
On March 1, 2017, a Final Invoice was issued advising the remaining balance owed on the account would be charged on March 11, 2017. 
 
On March 11, 2017, Esurance attempted to debit the policyholder’s method of payment for the balance remaining on the account in the amount of $191.43. 
 
On April 10, 2017, Esurance sent an email to [redacted] advising a past due balance remained on her account, and the balance would be referred to a collections agency if payment was not remitted. 
 
On May 2, 2017, Esurance had not received payment, and the outstanding balance was referred to an outside collections agency.
 
Esurance records confirm that a delinquent balance in the amount of $191.43 remains on [redacted] account representing the premium due for the time that coverage was provided. 
 
Thank you for allowing Esurance the opportunity to respond to this complaint.

Initial Business Response /* (1000, 5, 2015/11/12) */
November 12, 2015
Revdex.com
Attention: [redacted]
1000 Broadway, Suite 625
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: [redacted]...

[redacted]
Insured Name: [redacted]
Policy Number: PANYXXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms. [redacted]:
Please accept this letter as confirmation that Esurance Insurance Agency 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 June 30, 2015, to be effective on July 2, 2015. At the time of purchase, Ms. [redacted] accepted the Terms and Conditions of the policy, in which she agrees to transact business electronically, as well as declares that all drivers in the household are listed on the policy, including any regular or frequent operators of the vehicle(s).
Esurance requires all drivers in a household to be listed on the policy. On October 21, 2015, Esurance identified Ms. [redacted] as a possible additional driver in Ms. [redacted]'s household. An underwriter sent Ms. [redacted] an email requesting that she address this possible additional driver by either adding the driver to the policy or providing proof of other auto insurance coverage for this driver. The email notification indicated that she would need to respond within ten days or her policy may be cancelled, non-renewed, or her premium may increase.
Esurance attempted to call Ms. [redacted] to discuss these underwriting concerns on October 27, 2015, and again on October 29, 2015, leaving messages on her voicemail to contact Esurance regarding this underwriting concern as soon as possible.
On November 3, 2015, after not receiving a response from Ms. [redacted], the driver was added to her policy. An email was sent, notifying Ms. [redacted] that the driver was added and that her premium had changed.
On that same date, Ms. [redacted] contacted the underwriting department and explained that the driver was her father's girlfriend's daughter and that she did not have auto insurance coverage or a utility bill as proof of other address. Ms. [redacted] informed Esurance that she planned to seek coverage with another insurance carrier.
Ms. [redacted] did not seek other coverage and instead provided a copy of Ms. [redacted]' driver's permit and a partial cellular telephone bill showing a different address. Unfortunately, Esurance was unable to verify the address provided for Ms. [redacted]. The underwriter sent Ms. [redacted] an email on November 5, 2015, informing her that the information was insufficient for proof of other address and provided Ms. [redacted] the option of a current utility or [redacted] bill for Ms. [redacted] to review for proof of residence.
On that same day, Ms. [redacted] contacted the underwriting department by phone and indicated Ms. [redacted] did not have a [redacted] bill either. Esurance advised Ms. [redacted] at that time that further investigation would be done to see what other options could be offered as proof of other address.
On November 9, 2015, the underwriter emailed Ms. [redacted] and notified her that, in addition to the documents she had already provided, Esurance would accept two forms of verifiable proof of current address.
On November 10, 2015, Ms. [redacted] provided four different forms of proof of Ms. [redacted]' current residence. This additional information was accepted and the driver was removed from her policy the date she was added. An email notification was sent to Ms. [redacted] on this same date, informing her that the driver had been removed from the policy and that her premium had returned to its original amount.
Thank you for the opportunity to respond to this complaint.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company
Initial Consumer Rebuttal /* (2000, 7, 2015/11/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The issue was resolved. At firts esurance was saying that there waa no other proof I couls provide besidea utility bill which an 18 year old girl living with her mother did not have or proof of insurance which someone who only had a permit and did not have a car or drive doesn't have. They then changed their mind and chose to accept different proof which I have provided them with.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

Complaint: [redacted]I am rejecting this response because:
My monthly bill has nearly doubled.  Deceptive practices are used to make it appear otherwise.  My original complaint remains unresolved.  
Sincerely,[redacted]

Initial Business Response /* (1000, 5, 2015/05/21) */
May 21, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name: [redacted]...

[redacted]
Named Insured: [redacted]
Policy Number: PAOHXXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms. [redacted]
Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the complaint submitted by [redacted] regarding the above referenced private passenger [redacted] policy.
Esurance records indicate this policy was purchased effective October 31, 2014. At the time of purchase, the insured selected a monthly installment payment option and authorized Esurance to charge the method of payment on file for the down-payment, as well as all future payments upon renewal or a change to the policy. An automatic payment schedule was established to withdrawal the monthly payment on the 7th of each month.
Ms. [redacted] contacted Esurance on April 7, 2015, to remove the method of payment on file.
On May 9, 2015, Ms. [redacted] contacted Esurance as a payment was withdrawn from the method of payment on file that should have been removed. Esurance apologized and requested that Ms. [redacted] submit bank statements to show any overdraft fees incurred due to this error.
On May 11, 2015, Esurance refunded the payment that was withdrawn on May 7, 2015. A new payment schedule was also provided. The next premium installment payment will be due on June 7, 2015.
On May 13, 2015, Esurance authorized a concession of $68.00 to reimburse Ms. [redacted] for the overdraft fees that she incurred. This concession check has been issued and mailed through the United States Postal [redacted].
Thank you for allowing Esurance this opportunity to respond to the complainant's concerns.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/08/24) */
August 24, 2015
Revdex.com
Attention: [redacted], Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: www.oakland.Revdex.com.org
Case Number: XXXXXXXX
Complainant Name:...

[redacted]
Named Insured: [redacted]
Policy Number: PAMI-XXXXXXX
Insurance Company: Esurance Property and Casualty Insurance Company

Dear Ms. [redacted]:

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 [redacted] regarding the above referenced personal automobile insurance policy.
Esurance records reflect that Mr. [redacted] contacted Esurance on July 26, 2015, and received multiple quotes to add a vehicle and an additional driver to this policy.
On July 30, 2015, Mr. [redacted] contacted Esurance and added his son and an additional vehicle to the policy. That same date Esurance provided Mr. [redacted] an amended policy renewal invoice showing the prorated premium amount due for the current term and the premium due for the upcoming policy term. Since the change to the policy was made during the renewal period both the previous prorated premium and the initial payment for the new term were due on the same date August 17, 2015, in the amount of $610.34
On July 31, 2015, Mr. [redacted] contacted Esurance regarding the new premium and advised that he felt the amount had not been explained correctly. Mr. [redacted] requested that Esurance review the call he placed to Esurance on July 30, 2015, where the changes were made.
On August 06, 2015, Mr. [redacted] contacted Esurance and advised that he was still waiting to be contacted with regards to the call review. On that same date Esurance reviewed the calls on July 26, 2015, and July 30, 2015. During the conversation that took place on July 26, 2015, Esurance did discuss the proration of premium with Mr. [redacted]. During the call on July 30, 2015, Esurance asked Mr. [redacted] if payment information had been discussed during his previous conversation on July 26, 2015, Mr. [redacted] advised that it had been discussed.
On August 14, 2015, Mr. [redacted] contacted Esurance and requested cancelation of this policy effective August 17, 2015. This policy is currently canceled as requested by Mr. [redacted].
Esurance sincerely apologizes for any experience that did not meet Mr. [redacted] expectations.
Thank you for allowing Esurance the opportunity to respond to the concerns. If you have any questions or require additional information, please direct all future correspondence to [redacted], Compliance Analyst, at; P.O. Box 2890, Rocklin, CA, XXXXX.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On Behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/12/21) */
December 16, 2015
Revdex.com
Attention: [redacted] Dispute Resolutions
XXX XXth Street, Suite 550
Oakland, CA XXXXX-XXXX
Via Electronic Response: goldengate.app.Revdex.com.org

Case Number: XXXXXXXX
Named Insured: ...

[redacted] W [redacted]
Complainant: [redacted] W [redacted]
Policy Number PAPA-XXXXXXX
Insurance Company Esurance Property and Casualty Insurance Company

Dear Ms. [redacted]
Please be advised that Esurance Insurance Services, Inc. (Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced private passenger [redacted] insurance policy.
Esurance records reflect this policy was purchased online through Esurance.com on November 11, 2015, effective November 12, 2015. Prior to finalizing the policy purchase, Mr. [redacted] received notification that Esurance had been unsuccessful in verifying his motor vehicle report, claims report, and consumer reports. Esurance advised Mr. [redacted] that he could still purchase this policy today for $959.00 and the verification should be completed within a few days. Esurance also advised Mr. [redacted] that his premium could change depending on the results and if that happened we would notify him immediately.
On November 13, 2015, Esurance successfully verified Mr. [redacted]'s motor vehicle report, claims report, and consumer reports. Esurance contacted Mr. [redacted] on that same date and advised him of a change in his premium to $2,238.00 based on the verified information. Esurance also notified Mr. [redacted] that if he chose to cancel the policy within the next 48 hours, he would receive a refund for the unused portion of the premium and would not have to pay a cancellation fee.
On November 15, 2015, Mr. [redacted] contacted Esurance regarding the change to the policy premium and advised that the August 16, 2014, was not at fault and that he would provide documentation.
On November 16, 2015, Esurance received documentation showing that the August 16, 2014, was not at fault. Esurance updated the policy and the premium was recalculated to $2,020.00.
On December 11, 2015, Mr. [redacted] contacted Esurance and removed his method of payment from this account.
On December 13, 2015, Esurance set the policy to cancel effective January 01, 2016, for nonpayment of premium since the next scheduled payment had not been received.
On December 16, 2015, Mr. [redacted] contacted Esurance and updated his method of payment and payment date.
On December 18, 2015, Mr. [redacted]'s payment was received and the policy was reinstated effective January 01, 2016.
Thank you for allowing Esurance the opportunity to respond to this inquiry. If you have any questions or require additional information, please direct any future correspondence to Scott Morgan, Compliance Analyst, at P.O. Box 2890, Rocklin, CA, XXXXX or by email to [redacted]@esurance.com.
Sincerely,
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response /* (1000, 5, 2015/08/12) */
August 12, 2015
Revdex.com
Attention: [redacted]
1000 Broadway, Suite 625
Oakland, CA XXXXX
Via Electronic Response: www.oakland.Revdex.com.org
Re: Revdex.com Case Number: XXXXXXXX
Complainant Name: [redacted]...

[redacted]
Insured Name: [redacted]
Policy Number: PAFLXXXXXXX
Claim Number: EXPXXXXXXX
Date of Loss: November 22, 2014
Insurance Company: Esurance Property and Casualty Insurance Company
Dear Ms. [redacted]:
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 November 22, 2014, Mr. [redacted] sustained damage to the undercarriage of his 2014 Audi S5 Quattro Premium P as a result of driving through road construction on [redacted] Way in the state of Florida. The claim was reported to Esurance by Mr. [redacted] on November 22, 2014. Contact attempts were made to Mr. [redacted] the next day and on November 24, 2014. Voicemails were left for Mr. [redacted] to contact Esurance to discuss the vehicle's method of inspection. Mr. [redacted] returned the call to Esurance on November 25, 2014, requesting for the claim to be closed as he was not pursuing the damages. The claim was closed on November 25, 2014, without any payments issued.
On July 30, 2015, Mr. [redacted] called to question the claim with the above date of loss. Mr. [redacted] advised that he was only reporting the incident and was not making a claim. At this time, Mr. [redacted] requested for the claim to be deleted off of his record. A member of management advised Mr. [redacted] that Esurance will not be able to delete the claim from his record, however, the claim is showing as record only with no payment issued.
If this claim is being interpreted as an at-fault accident by another carrier, Mr. [redacted] should be able to present a claims experience letter to that carrier to resolve any underwriting and/or rating concerns.
Thank you for allowing Esurance the opportunity to respond to this inquiry.
Sincerely,
[redacted], MBA/HRM, CCLA
Rapid Response Unit Manager
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company

March 21, 2016Revdex.comAttention: [redacted]Via Electronic Response: [redacted]Re: Case Number: [redacted] Complainant Name: [redacted] Insured Name: [redacted]Policy Number: [redacted]Company: Esurance Property and...

Casualty Insurance Company[redacted] Dear Ms. [redacted]:Esurance Insurance Services, Inc. ("Esurance") on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer correspondence submitted by [redacted] regarding the above referenced private passenger automobile policy. In the complaint, Mr. [redacted] is demanding that Esurance reimburse for the expense of replacing his battery and service charge in the amount of $292.04. Esurance records indicate the above referenced policy was purchased on July 28, 2015, with an effective date of September 1, 2015, with a six-month policy term for the full term premium of $269.50. The policy provided coverage for two operators, [redacted] and [redacted] and a 2009 Honda FIT Sport. On January 8, 2016, Mr. [redacted] contacted Esurance advising that he has had problems with the DriveSense Device. Mr. [redacted] indicated the sensor is draining his battery and is seeking reimbursement for the replacement of his battery and service charge. On this same day Esurance contacted Mr. [redacted] via email to advise him that in order to further investigate into this claim, we will need to have the device returned and proof of the alleged damages. Esurance advised Mr. [redacted] that this information is necessary for the manufacturer to conduct a thorough test of this device and determine if the device has malfunctions.On January 22, 2016, the DriveSense Device was returned to Esurance. On January 25, 2016, the manufacturer completed their testing with similar vehicles and determined that there were no issues with the DriveSense Device and denied any reimbursement based on their findings. Thank you for allowing Esurance the opportunity to address your inquiry. If you have any questions or need additional information regarding this file, please direct all correspondence to [redacted], Compliance Analyst, [redacted], or via email to [redacted]Sincerely,[redacted]Compliance AnalystEsurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

January 30, 2018
 
Revdex.com
Attention:  [redacted]
[redacted]Via Electronic Response:  [redacted]
 
 
[redacted]...

[redacted]
 
 
Dear Ms. [redacted]:
 
Esurance Insurance Services, Inc. (“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer correspondence submitted by [redacted] regarding the above referenced private passenger automobile policy.
 
Esurance records indicate the above referenced policy was purchased on December 26, 2016, with an effective date of December 27, 2016, for the full term premium of $1,124.50.  The policy provided coverage for three vehicles a [redacted], and two operators, [redacted] and [redacted].
 
During the renewal process, one surchargeable incident was added to Ms. [redacted]’s driving record for an at-fault accident effective at the renewal term in accordance with Esurance's filed rate and rule manual. A Notice of Premium Increase (“Notice”) was mailed to the policy address on November 8, 2017.
 
The percentage of premium increase calculation on the Notice is based on the surcharge for the at-fault accident, dated August 18, 2017, and the removal of Claim-Free Discount and the removal of the Online Shopper Discount. [redacted] quote for this policy was initiated online or the policy was purchased online which qualified for the Online Shopper Discount. The discount only applies to the first two 6-month policy terms, and will not apply to subsequent renewals. 
 
As required by Esurance underwriting rule D05, driving record points are assigned to operators for chargeable accidents and/or violations. The driver(s) for an at fault accident(s) or moving violation(s) on the date shown on the “Notice” resulted in the assignment of a driving record surcharge. If the premium increase is due to accident(s), the amount of loss is greater than $1,000.
 
Per the Company’s filed rule manual, in order to qualify for the claim-free discount upon renewal, policies must have had no claim occurrences, regardless of fault or the identity of the driver involved in the loss.  Esurance records indicate a claim was filed under [redacted]’s policy on August 18, 2017, for a collision loss in which $1,734.81 was paid under his property damage coverage. Esurance determined that [redacted] was the driver at the time of the loss and was found 100% liable for this loss. 
 
The premium for [redacted]’s policy has increased because of the driving record or claims experience of the listed driver(s), [redacted] under this policy. Esurance has offered not to charge [redacted] the increase in premium if the he agrees to exclude coverage under the policy for the individual(s) whose driving record or claims experience justified the increase in premium.
 
Thank you for allowing Esurance the opportunity to address your inquiry. 
 
 
Sincerely,
 
[redacted]
Compliance Analyst
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company

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