Esurance

Initial Business Response / [redacted] (1000, 5, 2015/10/27) */ October 27, Revdex.com Attention: [redacted] Dispute Resolution Specialist Broadway, Suite 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 EsurancePlease be advised that both losses have been resolved On September 17, 2015, the claimant was paid $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, lossHis insurance carrier paid for repairs to his vehicleOnce 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

March 28, Revdex.com Attention: [redacted] Dispute Resolution Specialist [redacted] Via Electronic Response: [redacted] Re: Complaint Number: [redacted] Complainant Name: [redacted] Policyholder Name: [redacted] Policy Number: [redacted] Insurance Company Esurance Insurance Company NAIC Number: [redacted] Dear [redacted] Esurance Insurance Services Inc(“Esurance”), on behalf of Esurance Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above mentioned of homeowner’s policy Esurance records indicate the above referenced policy was originally purchased on March 2, 2015, with an effective date of March 11, 2015, for a full term premium in the amount of $1, At the time of purchase, the named insured agreed to transact business electronically through our Web site and by email to, among other things, purchase your Policy, make payments, receive Insurance Policy Documents, renew and terminate or rescind your Policy, and send to us and receive from us communications related to your Policy; unless otherwise indicated, agree to accept all Insurance Policy Documents electronically in lieu of delivery by U.SMail or other physical delivery method On February 24, 2016, Esurance issued a renewal offer to the insured for a term premium in the amount of $1,At that time the multi-policy discount was not included in the renewal offerThis discount was added at the insured’s renewal term, effective March 11, 2016, as a result an amended policy was sent to the insured reflecting a revised 12-month term premium in the amount of $1, On January 25, 2017, Esurance issued a renewal offer to the insured for a term premium in the amount of $1,Esurance records indicate the insured’s renewal premium increased due the following; the dwelling coverage was increased to $187,589, from $180,and the roof replacement cost increased from $6,to $6,as well as other standard rating factors On March 22, 2017, Esurance completed a rate review, per the insured’s request, and confirmed based on the insured’s policy information, as well as the current company and state regulations, MrCowell’s premium is correct Insurance rates can vary because insurance companies consider several factors when determining insurance premium(s)Some common factors include, but are not limited to: - Home's property characteristics (which helps us calculate the estimated cost to rebuild your home, if the worst were to happen) Driving record/claims history Cost of contractors and supplies in your areaZIP CodeCoverage levels and deductibles Thank you for allowing Esurance this opportunity to address your inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, IncOn behalf of Esurance Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/08/24) */ August 24, Revdex.com Attention: [redacted] , Dispute Resolutions XXX XXth Street, Suite 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 policyThat 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 termSince 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 $ On July 31, 2015, Mr [redacted] contacted Esurance regarding the new premium and advised that he felt the amount had not been explained correctlyMr [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 reviewOn that same date Esurance reviewed the calls on July 26, 2015, and July 30, During the conversation that took place on July 26, 2015, Esurance did discuss the proration of premium with Mr***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, This policy is currently canceled as requested by Mr*** Esurance sincerely apologizes for any experience that did not meet Mr [redacted] 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 [redacted] , Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On Behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 8, 2015/06/01) */ June 1, Revdex.com Attention: [redacted] Suite [redacted] 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: PANV-XXXXXXX Claim Number: ATL-XXXXXXX Date of Loss: 02/06/ 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 A claim was reported to Esurance on May 3, 2014, involving the complainant's [redacted] Per the statement taken from Ms [redacted] , the vehicle was being towed when it came loose from the dollyThis incident occurred on February 6, 2014, (approximately months before the loss was reported to Esurance)The vehicle dropped to the ground causing damagesAn inspection of the vehicle revealed cosmetic damages to the front bumperMs [redacted] advised she was not concerned about the damages to the bumper and was concerned about the mechanical damages to the vehicleHowever, no damages were found to the gas gauge or the transmission that were related to the impactA mechanical inspection was completed by Centro and verified the same findingsThe damages to the transmission and gas gauge were mechanical in nature and not covered under the personal auto policy A payment was issued to Ms [redacted] on November 16, 2014, for $to reimburse her for the diagnostic chargesThe payment has not cleared our bankTherefore, Esurance will stop pay that check and re-issue it to Ms [redacted] Based on complaint, Ms [redacted] does want Esurance to present the claim for the cosmetic damages to her bumperThe bumper damages totaled $A payment for the damages less the $1,collision deductible will be processed for $ Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 10, 2015/06/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) As stated before, and based on supporting documentation, up to and including the denial letter from UHaul, the incident was reported to both Esurance and Uhaul when it occurred initiallyESURANCE told me to pursue the claim with Uhaul FIRST and contact if/when denial letter was received, which I did, at their behest PLEASE NOTE I was advised by Esurance during my initial call on 2/6/2014, witnessed by Victor Garcia, who was present during accident, and through mobile records which detail the call to Esurance, that NO (Esurance) claim could be opened until a (Uhaul) claim was pursued, and a subsequent denial of claim from Uhaul received This begs the question if this is a usual ploy of Esurances' to regularly deny claims as the many on line reviews seem to supportThis appears to be a standard operating procedure for the companyI am including the link for the top - most of which discuss Esurances' denial of legitimate claims and shoddy business practices in rate raising without provocation or reason after (Esurance) is forced to pay for a legitimate claim : http://www.consumeraffairs.com/insurance/esurance.html?page= Additionally: http://car-insurance.credio.com/l/13/Esurance Esurance has an obvious history of inadequate record keeping, response, and accuracy as can be seen in supporting documents provided to them directly in an attempt to resolve this matterI will mail such in its entirety as additional supporting documentation to the Revdex.com The mechanical inspection by Centro was once again full of conflict (from their own person), and inaccurate according to the certified mechanics documentation and pictures which show physical damage to the undercarriage of the vehicle, bumper, and heavy duty tow hitchAll of which undeniably supports the claim of interior mechanical damage as well Payment was finally issued and received for diagnostic charges and bumper within the last daysPlease note it was issued from the individual/representative that I have Esurance saying no longer worked for them (through a recorded call that I can provide)I feel this continues to support their inept, corrupt, and negligent business practices Ms [redacted] I will mail you the supporting papers to better allow the Revdex.com to see the above statements from Esurance are false Final Business Response / [redacted] (4000, 12, 2015/06/23) */ June 23, Revdex.com Attention: Deborah [redacted] Broadway, Suite 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: PANV-XXXXXXX Claim Number: ATL-XXXXXXX Date of Loss: 02/06/ 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 additional correspondence regarding the above referenced claim Ms [redacted] has been paid for the damages to the vehicle that were deemed related to the vehicle falling off the dollyShe has also been reimbursed for the diagnostic charges when the vehicle was taken to a local Hyundai dealership for a mechanical inspection Esurance had the vehicle inspected by Davis Claims (an independent appraisal source), Centro (a mechanical inspection company), and Hendricks Hyundai (local Hyundai dealership)At this time, Esurance can't relate the damages to the transmission or gas gauge as related to the vehicle falling off the dolly Esurance investigates all claims based on the individual facts and circumstancesAll claims resolutions are based on the facts gathered throughout the investigation If Ms [redacted] would like to present additional information to support the damages to the transmission and the gas gauge are related to falling off the dolly, we will gladly review it for consideration Thank you for allowing Esurance the opportunity to respond to this additional correspondence Sincerely, [redacted] Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 14, 2015/06/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Esurance is simply restating their initial decision; not providing additional proof of WHY they state transmission and gas gauge was not related to accident even though there were no recalls (Hyundai), this would not be under wear and tear (by Esurances own admission), based on limited miles and the exceptional condition vehicle was kept in, and according to the Exxon (certified) mechanics reportI have provided evidence showing the claim was reported immediately and Esurance was negligent in delaying actually opening a claim, which a certified mechanic in an independent facility stated damage was caused to vehicle transmission and gas gaugeThe Cento mechanic (contracted to Esurance and whose report contradicted itself and the claim) verified damage however said he felt it was unrelated b/c it was not reported until month later - I refuted this FACTUALLYAlso if Davis claims shows there was over $in cosmetic damage how can Esurance claim zero internal damageOne does not rationally support the otherHyundai verified/reported damage to transmission and the gas gauge however they do not make recommendations as to cause in these (auto) claimsHyundai did however reiterate that there are no recalls on vehicle and this is not wear and tearEsurance does not even appear to be reading/responding to the claim in anything other than a generic mannerBased on the inaccuracies and contradictions in Esurances own report that have been pointed out for you numerous times I would formally request a full acceptance of claim and payment

Initial Business Response / [redacted] (1000, 5, 2015/06/15) */ June 15, Revdex.com Attention: Dispute Resolution Department [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Case Number: XXXXXXXX Complainant Name: [redacted] [redacted] Insured Name: [redacted] Policy Number: PACO-XXXXXXX Claim Number: DEN-XXXXX Date of Loss: 05/26/ Company: Esurance Property and Casualty Insurance Company NAIC: XXXXX 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 claim for a private passenger [redacted] policy In her complaint, Ms [redacted] is disputing the liability determination of her sons claim resulting from the loss dated, May 26, On May 29, 2015, this loss was reported to Esurance by the claimant, Adam ***This loss was reported that our insured, [redacted] was travelling eastbound on 27th Street and Adam [redacted] was travelling northbound on U.SThe accident occurred in this intersectionEsurance conducted a thorough investigation by obtaining recorded statements from each of the drivers, obtaining the police report to review for potential witnesses and reviewing scene photosBased on the statements of each party Esurance determined that MrLukowiak, the insured was 80% liable based the fact that he entered the intersection on a flashing red lightThe insured had stopped at the flashing red light and then crossed over two southbound lanes when struck in the left most northbound lane by the claimantWe determined that the claimant was twenty percent liable for not maintaining a proper lookout, not driving defensively and not taking the proper evasive action to avoid this loss Kansas is a Modified Comparative Negligence stateThe claimant's damages were appropriately reduced by the applicable liability we assessed on this claim 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 Kimberly Sims, Compliance Analyst, P.OBox 2890, Rocklin, CA, XXXXX, or via email to ***@esurance.com Sincerely, [redacted] Denver Claims Unit Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) State Farm has determined [redacted] was 100% at fault [redacted] tried to stop but [redacted] sped up to tried to beat him [redacted] 's car struck Adams first as it was hit from the side [redacted] should have practiced defensive driving also instead of trying to speed in front of a car headed into the in section and waited until the intersection was clear and safe to passThis is the law of a flashing red light [redacted] also changed his story from what he told the police officer and what he told the insurance company He said there was a car stopped at the yellow light for minutes and he gave up and went through the intersection This was not Final Business Response / [redacted] (4000, 10, 2015/07/02) */ July 2, Revdex.com Attention: Dispute Resolution Department [redacted] Suite [redacted] Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PACO-XXXXXXX Claim Number: DEN-XXXXX Date of Loss: 05/26/ Company: Esurance Property and Casualty Insurance Company NAIC: XXXXX Dear Ms [redacted] Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer follcorrespondence submitted by [redacted] regarding the above referenced claim for a private passenger [redacted] policy In her complaint, Ms [redacted] is disputing the liability determination of her sons claim resulting from the loss dated, May 26, Esurance has reviewed our position in regards to Ms***'s disagreement with our liability determinationTaking into account all the available evidence Esurance reiterates its original position where we found the insured, [redacted] 80% liable for this loss On June 11, 2015, Ms [redacted] contacted, Jason Giles, Denver's Claim's Branch Manager where she advised him that she will be pursue her vehicle's damages through her own insurance carrier, State Farm InsuranceThis dispute will be resolved via inter-company arbitration where the evidence is heard by an independent arbitratorThe decision that is rendered is binding on each companyMs***'s insurance company will advise her of the final outcome of this hearing 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 Kimberly Sims, Compliance Analyst, P.OBox 2890, Rocklin, CA, XXXXX, or via email to ***@esurance.com Sincerely, [redacted] Denver Claims Unit Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 12, 2015/07/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) Only in America can someone run a flashing red light, cause a serious accident, receive a traffic citation and then the other person is blamedMay the best attorney win!

Initial Business Response / [redacted] (1000, 5, 2015/10/02) */ October 2, Revdex.com Attention: [redacted] Dispute Resolution Specialist Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Case Number: XXXXXXXX Complainant Name: [redacted] B [redacted] Insured Name: [redacted] Policy Number: PAOHXXXXXXX Claim Number: FXP-XXXXXXX Date of Loss: 09/11/ Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : 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 a claim on the above referenced private passenger [redacted] policy Mr [redacted] ***, spouse of [redacted] ***, is the complainantIt is Mr***'s contention the damage to the Pontiac Gcaused by an unknown party should be covered under the Uninsured Motorist Property Damage coverage of the policyThe insured's vehicle, a Pontiac G6, was hit while parked and unoccupied on September 11, 2015, with damage to the left rear of the vehicle The above captioned loss was reported on September 12, 2015, by the insured, Ms [redacted] ***At the time, an Esurance representative was assigned to the loss On September 14, 2015, [redacted] and [redacted] spoke with an Esurance claim representative, and provided the facts of the lossMrs [redacted] advised she had parked her vehicle in the North parking lot at Bethesda Hospital at approximately 5:AM on September 11, Mrs [redacted] returned to her vehicle at 1:PM, and noticed damage to the left rear of her vehicleMrs [redacted] confirmed there were no witnesses or security footage to identify the at-fault party At that time, the Esurance representative advised the at-fault party must be identified for physical damage to be applied under the Uninsured Motorist Property Damage CoverageThe Esurance representative explained the applicable policy with the insured, and denial letter issued based upon the following: [redacted] EXCLUSIONS FOR PART III: UNINSURED AND UNDERINSURED MOTORIST COVERAGE (Read carefullyIf any of the exclusions below apply, coverage will not be afforded under Part III.) "We" do not provide coverage under Part III for "property damage" sustained by any "insured" BIf the "owner" or operator of the "uninsured motor vehicle" cannot be identified [redacted] Based upon information outlined above, Esurance respectfully maintains the coverage position for the loss Thank you for allowing Esurance the opportunity to address your inquiry Sincerely, [redacted] Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Complaint: [redacted] I am rejecting this response because: NO SECOND REPORT WAS EVER RUNANOTHER LIE! ESURANCE WILL TRY ANY LIE IN THE BOOK TO SAVE DOLLARSNO SECOND REPORT WAS EVER RUN, THAT IS AN OUTRIGHT LIE AND I WILL NOT DEAL WITH THIS ABSURDITY OF CONSTANT LIESMECHANICAL WORK IS IRRELEVANT, THE FIRST REPORT IS BOGUSESURANCE IS AWARE IM DRIVING THIS CAR WITH CARBON MONOXIDE FUMES COMING IN FROM TRUNK AND HAVE NO RESPONSE BUT TO LIE!!! ESURANCE ALSO KOWS I WAS PULLED OVER FOR NO BLINKER, FROM WRECK, REFUSED ANY MORE TIME FOR RENTAL, WE GIVER YOU ALL WE CAN BY LAW,,,LMAOAGAIN, LOOK AT THE FACTS, AUTO TRADERS (((NATIONAL)))AVERAGE SEARCH SHOWS MY CAR WORTH $TO $4300, THESE CLOWN SAY $1100,,,JUMP IN THE LAKETELL THE JUDGE, YOU CROOKS!!! Chicago-based claims software-maker [redacted] Incannounced that it and of its customers signed a settlement agreement with the plaintiffs in various class action suits pending in [redacted] *** These consolidated suits, [redacted] ***, et al., relate to the valuation of vehicles that have been declared total losses by insurers CCC said the settlement includes no admission of liability or wrongdoing by CCC or its customersThe proposed classes represent all customers of the settling carriers who had a total loss claim from Jan28, to the present, for which CCC’s product and service (now called CCC Valuescope) were used to perform the valuation A word from our sponsor: Allstar has a network of offices across the U.Sand more than Specialty Insurance Divisions, our experienced team of underwriters will help you get the job doneWith years in the insurance arena we will find creative solutions for your clients[redacted] The settlement itself is subject to court approval, and a motion seeking preliminary approval of the settlement was filed with the court WednesdayNotice to members of the settling classes will then be issued, and the company said it anticipates that a final approval hearing will take place before the end of the year Terms of the settlement agreement will require CCC to pay notice and administration fees and other costs associated with the settlementThe company estimates that these costs will total about $million, and including available insurance proceeds of $million, the company is fully reserved for these paymentsOther settlement costs, including claims by class members, will be paid by the insurance companies that are participating in the settlement In addition to its settlement contribution, CCC will also engage the services of an independent, third party as a court-appointed monitor to periodically review CCC Valuescope’s methodology for five years following settlement and to oversee the performance of various product validation studies Get Insurance Journ Sincerely, [redacted]

Esurance reviewed this policy with our Billing DepartmentThe account was sent to collections as Esurance refunded the insured and then she charged back the payment which left a balance on the policyThe insured then had the chargeback reversed to return the money to Esurance At the time of the original response to the Revdex.com, Esurance had not yet received notification from the financial institution that the chargeback had been reversedThe account has been removed from collections

Initial Business Response / [redacted] (1000, 5, 2015/06/02) */ June 2, Revdex.com Attention: [redacted] Suite [redacted] 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: PACA-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 At the time of policy purchase, the insured indicated that the Volkswagen Jetta was driven less than 4,miles annuallyEsurance issued the [redacted] Auto Supplement form with the original policyThis form stated that the Company reserves the right to charge additional premium if the mileage is greater than what the insured indicated on the applicationEsurance listed several options to verify the annual mileage Esurance received documentation of annual mileage; however, the documents that the insured provided indicated that the vehicle was driven 9,miles annuallyThe mileage was updated and the new term premium was $ Esurance attempted to debit the account on file for the additional premium; however, the payment was declinedThe policy cancelled due to nonpayment of premium on January 14, The outstanding balance due in the amount of $is for earned premium and the cancellation feeAt the time of policy purchase, the insured accepted the terms and conditions in which the insured agreed that he would be charged a $cancellation fee if the policy cancelled for any reason Supporting documents are available upon request Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Senior Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 12, 2015/08/17) */ Thank you for working on this and the responseThere was never evidence given that it was driven 9,miles annuallyThe data that was given showed the car is driven four times a week only from residence to [redacted] Bart station, a round trip of miles a dayThat times a week, times four weeks a month, times months total annually That was the only documentation provided and on top of that Esurance was invited to do independent odometer readings, which it never did or even responded to Esurance was given this information and further written correspondence that if Esurance had a dispute, it needed to cancel the account, not charge moreThe company never canceled the account or attempted to rectify the matter, instead going straight to added rate that was never agreed upon The same documentation has been provided to my current insurer and it has been verified and not an issue Again I expect this to be corrected and taken out of collections ASAPIt is a and illegal claim and a clear breach of the agreed upon contract This is not how a professionally company should be operating and it should assure customers that it does not practice bait and switch contracts, which this clearly is Thank you for your attention and your response [redacted] Final Consumer Response / [redacted] (3000, 32, 2015/12/14) */ The policy was never canceledIt wasn't renewedIT was paid months in advance per your policy on 08/Payment from my credit card statement below, which I am happy to provide the original copy: Card Purchase 08/Esurance Car Insurance XXX-XXX-XXXX CA Card XXXX- XXX The policy expired in January 2015, so how could you cancel a policy that had already ended? Again you are charging a cancellation fee for a policy that was not renewedI owed you money for months, that was paid in full per your request at the start of the months If a response and correction is not given promptly my next option will be to file a civil claim per the terms of our contract since mediation failed Final Business Response / [redacted] (4000, 34, 2015/12/28) */ December 28, Revdex.com Attention: [redacted] Suite [redacted] CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PACA-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear MsGriffith: 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 policy cancelled effective January 14, 2015, due to nonpayment of premiumThe cancellation fee was charged as the policy cancelled prior to the end of the policy term Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Senior Compliance Analyst 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 policyIn the complaint, Mr [redacted] is demanding that Esurance reimburse for the expense of replacing his battery and service charge in the amount of $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 $The policy provided coverage for two operators, [redacted] and [redacted] and a Honda FIT SportOn January 8, 2016, Mr [redacted] contacted Esurance advising that he has had problems with the DriveSense DeviceMr [redacted] indicated the sensor is draining his battery and is seeking reimbursement for the replacement of his battery and service chargeOn 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 damagesEsurance 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 EsuranceOn 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 findingsThank 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 [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

February 20, Revdex.com Attention: [redacted] ***Via Electronic Response: [redacted] Re: Case Number: [redacted] Complainant Name: [redacted] Goodrich Insured Name: [redacted] Goodrich Claim Number: [redacted] Policy Number: [redacted] Date of Loss: 2/2/ Company: Esurance Insurance Company NAIC Number: [redacted] 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 [redacted] Goodrich regarding the above referenced claim for a private passenger automobile policy On February 10, 2018, Esurance received notification of this loss, when the insured reported that she ran over a broken tire in the middle of the road This was documented as colliding with a broken tire in the road which falls under the collision coverage and the insured’s deductible will apply in accordance with her automobile policy at the time of loss After further review and discussing the loss in detail with the insured, we have agreed to change this to a not at-fault accident The insured advised us that she is not pursuing the claim at this time, therefore; Esurance considers this matter resolved Thank you for allowing Esurance the opportunity to address your inquiry Sincerely, Margaret [redacted] Rapid Response Manager Esurance Insurance Services, Inc On behalf of Esurance Insurance Company

Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the complaint submitted by [redacted] regarding a claim on the above referenced private passenger automobile insurance policy [redacted] complaint is related to a claim for the failure of the engine of her Dodge ChargerThe failure reportedly occurred on June 18, ***, and according to [redacted] ***, the engine failure was caused by water entering the engine systems because of a storm that occurred that dayOn June 20, ***, [redacted] reported that the loss occurred at their home while the vehicle was parked in the drivewayShe indicated that a storm had passed through causing a flood in their driveway and that the flood water was as high as the mid-point of the tiresOn this same date, an Esurance Claims Representative contacted the insured to discuss the lossThe Charger was brought to Edwards [redacted] for the damage appraisal On June 22, ***, the Esurance Appraiser assigned to the loss spoke with Josh at Edwards [redacted] , and Josh advised Esurance that there was no evidence of water damage to the ChargerJosh further indicated that there is no evidence that the vehicle was in water, and there is no evidence that the engine ingested waterJosh explained that the engine had a brand new water pump and thermostat installed, and it appears to have been leaking coolant for quite a while Following that discussion, Esurance determined that a teardown of the engine was needed in order to determine whether the failure was related to flood water or mechanical failure, which is not a covered loss under [redacted] Esurance policy On June 23, ***, Esurance again spoke with Josh at Edwards [redacted] who advised that he was having their service department run diagnostics on the engine to assist in determining the cause of the failureJosh notified [redacted] of these steps, and reiterated that if the cause of the failure was flood related, Esurance would cover the claimHowever, if it was determined to be mechanical failure, the diagnostics test and repairs will be an out of pocket expense On June 24, ***, an Esurance Claims Representative contacted [redacted] to discuss the details of the apparent flood [redacted] reported that an embankment near their home had become flooded and overflowed, and the water from that overflow flooded their vehicleAfter that occurred, [redacted] started the vehicle, backed it into their driveway, and the next day the vehicle would not startThe Esurance Claims Representative advised [redacted] that based on the information provided by Josh at Edwards [redacted] , it did not appear that the engine failure was the result of a covered cause of lossAt that time, [redacted] advised Esurance that there was water found in the air filter and water in the oil [redacted] further advised that there were other parts that were damaged by water in the engine On June 26, ***, the Esurance Appraiser spoke with [redacted] who expressed his concerns that the engine failure may not be coveredAt that time, the Esurance Appraiser advised [redacted] that the teardown was necessary, and advised him that if the cause of the failure was mechanical in nature, he would be responsible for the cost of the teardown and repairs [redacted] did not provide authorization for the teardown at that time; rather, [redacted] advised Esurance that he was going to check with the dealer he purchased the vehicle from to see if he had a warranty On June 29, ***, [redacted] advised Esurance that they did not have a warranty on the vehicle, and that she wanted the Charger moved to a different shop for a second opinionThe Esurance Appraiser was advised that [redacted] was arranging to have the Charger towed to the dealer where it was purchased, [redacted] *** [redacted] was going to ask [redacted] to cover the engine failure that appeared to be a prior condition caused by the engine overheating [redacted] advised the Esurance Appraiser that he would like the claim to remain openThe Esurance Appraiser advised [redacted] to call him if he had any further questions or issues On June 30, ***, Esurance received a call from [redacted] at [redacted] *** [redacted] advised Esurance that he had inspected the Charger, and found that the drive shaft was bent and that there was water in the oil pan [redacted] indicated that the water would had to have gone through an intake in the engine, and it appeared that the Charger was driven through water that caused the damage [redacted] also advised us that their shop would be closed the entire week because of the July 4th holiday On July 5, ***, the Esurance Appraiser left a message for [redacted] to discuss the findings On July 10, ***, the Esurance Appraiser was able to speak with [redacted] [redacted] advised Esurance that he found water in the cylinders, and the spark plugs had water on them [redacted] also advised that there was some water in the oil when drained, and there is a hole in the oil pan [redacted] indicated that he was able to see a broken rod through the hole in the oil pan Based on the information provided by [redacted] , together with the opinion previously provided by Josh at Edwards [redacted] , the Esurance Appraiser assigned the claim to an independent mechanical appraisal firm to have the Charger inspected On July 12, ***, [redacted] related a different scenario to Esurance explaining that [redacted] was traveling down a road when she attempted to cross a flooded areaThe vehicle apparently stopped running, and [redacted] had the vehicle towed back to their home On July 13, ***, the independent mechanical appraisal was completed, and the findings confirmed that evidence existed that is consistent with water intrusion through the fresh air intake system leading to engine failureNotwithstanding the differing versions of how the loss occurred, as the independent mechanical appraisal confirmed the water ingestion by the engine, Esurance has agreed to cover the loss The Esurance Appraiser has spoken with [redacted] ***, and advised him that Esurance is in the process of approving coverage for a like, kind & quality engine (LKQ) with a month unlimited mileage warrantyEsurance also forwarded a copy of the preliminary estimate to [redacted] ***’ mechanic Thank you for allowing Esurance the opportunity to respond to this inquiry

Initial Business Response / [redacted] (1000, 5, 2015/10/13) */ October 13, Revdex.com Attention: [redacted] , Dispute Resolutions XXX XXth Street, Suite 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, 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 MrLyons additional question regarding his deductible, no longer having an Esurance policy does not return the $deductible associated with the accident 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 [redacted] , Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On Behalf of Esurance Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ August 21, Revdex.com Attention: [redacted] Broadway, Suite 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: PAFLXXXXXXX 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 Esurance records indicate that this policy was purchased on May 10, 2015, to be effective on May 11, At the time of purchase, Ms [redacted] accepted to the terms and conditions of the policy, which states: Cancellation for Non-Payment of Premium To keep your Policy current and avoid cancellation, your payment must be received by its due dateWe do not accept partial payments of the invoiced amountIf your full payment for the invoiced amount is not received by the due date, a Late Payment Fee will be charged to your accountAny unpaid premium may result in the cancellation of your PolicyIf a cancellation notice is generated, you will be charged a Cancellation Fee and a cancellation notice will be mailed to the address shown on your Policy Also at the time of purchase, Ms [redacted] opted to pay the term premium in monthly installments on the 11th 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 A scheduled payment was due on August 11, 2015, to be automatically charged to the method of payment on fileMs [redacted] contacted Esurance on August 8, 2015, to request an extension to that due dateThe representative agreed to prevent the payment from being withdrawn on August 11th, and explained that a payment would need to be received by August 24, 2015, or the policy would cancel, estimating the cancellation date to be August 25, XXXX XX:XXAMThe representative confirmed that the payment due date could not be extended further Since the payment was not received by its original due date, a notice of cancellation for non-payment of premium was issued on August 12, 2015, to cancel the policy effective August 26, at 12:01AM The Automobile contract that Ms [redacted] has with Esurance states: If "you" pay the premium, "we" agree to insure "you" subject to all of the terms of this policy Esurance empathizes with Ms***' financial hardship, but is required to treat all policyholders the same and cannot make an exceptionEsurance does not want to lose Ms [redacted] as a [redacted] and hopes that she will be able to make the premium payment prior to August 26, 2015, to avoid policy cancellationHowever, if a payment is received within seven days of that date, Esurance is willing reinstate the policy with a lapse in coverage Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am requesting an extension due to a financial hardship our family is facing because of a family member being ill and under our careIt's is very hard for me to comprehend why it is so hard for the company to work with usI am willing to break up the payments even, we're not looking not to pay just for the company to assist us in catching up with our payment and keep our policy activeI honestly didn't expect this response from Esurance Final Business Response / [redacted] (4000, 9, 2015/08/27) */ August 27, Revdex.com Attention: [redacted] Broadway, Suite 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: PAFLXXXXXXX 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 further correspondence on the above referenced complaint Again, Esurance empathizes with Ms***' financial hardship, but is required to treat all policyholders the same and cannot make exceptionsEsurance does not want to lose Ms [redacted] as a [redacted] , but her policy has cancelled for non-payment of premium effective August 26, If payment is received within seven days of the cancellation date, Esurance will be able reinstate the policy with a lapse in coverage Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 11, 2015/08/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called to make the payment yesterdayThe representative told me that my payment of would not reinstate my policyNow they want $in order to reinstate my policyThey do not empathize with our situation, Esurance is retaliating because the consumer contacted the Revdex.comMaking it impossible for us to activate our policy againThey had sent me an email telling me they would reinstate my policy with a payment of $but the representative told me that was not going to be the amountThis is just hours after I received the emailI have a copy of the email which I will submit to the Revdex.com with the date it was sent and they have my call recorded with last nights conversationadvertisement

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 review regarding a premium increase due to a claim made on a personal automobile policy The loss occurred on January 14, It was reported that [redacted] flip flops became entangled with his gas pedal, impeding his ability to brake as he was backingAs a result, [redacted] backed in to a vehicle parked on the opposite side of the streetThe vehicle was parked and unoccupied[redacted] knocked on the neighbor’s door and no one answered so he left a note on the damaged vehicle and left the scene At the time of the accident report and in a subsequent conversation with [redacted] there was no mention of the other vehicle being illegally parkedHad that been the case, it would likely have had no impact on the liability decision unless the illegally parked vehicle was blocking road access or ingress/egress, which it was not The damage to [redacted] vehicle was to the right rear[redacted] was driving a Ford Explorer, which is a higher profile vehicle than the parked Chevrolet ColoradoThe damage to the Colorado was also to the right rear but more to the side panel of the bed to the rear and higher due to the varying heights of the vehicles [redacted] damages totaled $861.60, while the claimant’s repairs came to $3,576.13, with supplements for hidden damage [redacted] was determined to be at-fault for this accident and his driving record was update accordinglyThe policy renewal premium was affected by this at-fault accident and Esurance issued a renewal offer on March 23, 2016, to be effective May 12, [redacted] declined the renewal offer and the policy was cancelled effective May 12, 2016, per the insured’s request Recently, [redacted] submitted photographs of the claimant vehicle, expressing concern about the damages paidThose photographs and estimate were reviewed by a material damage expert, who wrote an email response to [redacted] on May 10, 2017, confirming receipt of the photos and providing an explanation of the damages seenEsurance confirms that the submitted photos are similar to the photos already on file and that the repair estimates were in line with the damage visible in the submitted photos Esurance further confirms that this policy has been cancelled since May 12, 2016, and that the policy was rated correctly while activeThank you for the opportunity to respond to this complaint Sincerely, [redacted] Compliance Consultant Esurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/09/15) */ September 15, Revdex.com Attention: [redacted] Broadway, Suite 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: PAMAXXXXXXX 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 January 19, 2015, to be effective on this same dateAt the time of purchase, Ms [redacted] opted to take advantage of the Esurance DriveSenseTM Discount Program, in which a discount will be given to customers that volunteer to install Esurance Driving Devices into all device-compatible vehicles listed on their policyMs [redacted] also accepted the terms and conditions of the policy, which discloses that a Driving Device Restocking Fee of $may be charged for each device when the device is not returned following policy cancellation or opting out of the DriveSenseTM Discount Program On July 7, 2015, Ms [redacted] requested that her policy not be renewed and the policy expired effective July 19, When the DriveSenseTM Device Restocking Fee was collected on August 25, 2015, the policy was reinstated effective August 26, Esurance strives to provide excellent [redacted] and regrets that Ms***'s experience was not satisfactoryEsurance has re-cancelled the policy effective July 19, 2015, per the insured's request, and as a concession, has waived the restocking feeEsurance sincerely apologizes for any inconvenience this may have caused Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Insurance Company

Re: Revdex.com Case Number: [redacted] Complainant Name: [redacted] Insured Name: [redacted] E [redacted] Policy Number: [redacted] Insurance Company: Esurance Insurance Property and Casualty Company Dear Ms [redacted] : 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 automobile policy Esurance records reflect the above referenced policy was purchased effective September 30, 2015, for a six month policy termAt the time of purchase, Ms [redacted] authorized Esurance to debit the method of payment on file for all future payments upon renewal or changes to his policy On January 30, 2016, A Renewal Offer was issued to Ms [redacted] for an additional six month policy term effective March 31, An email was sent to Ms [redacted] advising her method of payment would be debited for the policy renewal on March 1, On March 5, 2016, Esurance received a returned electronic check from Mr***’ financial institutionAt that time, a Cancellation notice was issued to the insured effective March 31, Subsequently, a Notice of Reinstatement was issued to the insured Esurance records confirm the above referenced policy was cancelled at the insured’s request effective March 31, 2016, and reflects a zero outstanding account balance remaining on the policyEsurance strives to provide exceptional customer service, and apologizes for any frustration or confusion this may have caused Ms*** 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 Property and Casualty Company

Dear [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 regarding the premium increase and cancellation fee on a personal automobile policy Esurance records indicate that this policy was purchased online on July 14, 2016, to be effective on July 18, 2016, for a six month policy termAt the time of purchase, [redacted] disclosed a clear driving record and reported to have continuous prior insurance coverage for six or more yearsThe policy was quoted and issued based on the information provided by [redacted] Also at the time of purchase, [redacted] accepted the terms and conditions of the policy, which declares that the statements contained in the Application are true and agrees to pay any applicable surcharges or recomputed premium resulting from inaccurate statements in the ApplicationThe terms and conditions of the policy also disclose that a short rate fee may be charged if the policy is cancelled In Georgia, insurance carriers are allowed sixty (60) days from the policy’s effective date to review an insurance application and verify the information provided by the applicantThis is called the underwriting periodDuring the underwriting period, it was discovered that [redacted] had an accident on his driving recordThe policy was updated to reflect this driving history and the premium changed accordingly Esurance was unable to verify prior insurance information, therefore, requested that [redacted] provide a declarations page from his prior insurance carrierOn July 14, 2016, [redacted] did provide a declaration page, which showed that his prior policy expired May 18, As a courtesy, Esurance offered to complete a conference call with the prior carrier if that was easier than providing the requested documentationUnfortunately, no additional proof of prior coverage was received, therefore, the policy was updated with the prior insurance information received On August 6, 2016, [redacted] requested that the policy be cancelledEsurance cancelled the policy per the insured’s request effective August 18, At the time of cancellation, the premium balance owed was $As no additional payment has been received, Esurance referred [redacted] policy to collections on October 5, Esurance empathizes with any policyholder that experiences a premium increaseHowever, Esurance is unable to offer any additional refund as the premium was correctly rated and charged according to the agreements made between [redacted] and EsuranceIf [redacted] would like to provide a declarations page as proof of prior insurance for the time period of May 18, to July 18, 2016, Esurance will update the policy rating accordingly and apply any applicable credit to the outstanding balance owed 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

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, On March 1, 2017, a Final Invoice was issued advising the remaining balance owed on the account would be charged on March 11, 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 $ 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 $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 / [redacted] (1000, 5, 2015/11/30) */ November 30, Revdex.com Attention: [redacted] Dispute Resolution Specialist Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] T [redacted] Insured Name: [redacted] T [redacted] Policy Number: PACA-XXXXXXX Claim Number: FXP-XXXXXXX Date of Loss: 11/05/ 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 claim is under review due to some concerns with the damages to the Infinity FXEsurance is in the process of attempting to verify that the damages occurred as presentedThe items requested and the handling of the claim are appropriate and typical for concerns of this nature Esurance typically requests items and documents such as phone and bank recordsThese allow Esurance to confirm activities to support the presented claimEsurance hopes to complete its investigation as quickly as possibleAlthough Esurance received many of the documents that were requested, it has not yet received the affidavit of vandalism and Mr [redacted] 's complete cell phone records showing dates and complete phone numbersAfter all the documents have been received, Esurance's special investigator, [redacted] , will contact Mr [redacted] to obtain an in person recorded statement Esurance thanks Mr [redacted] for his cooperation and hopes to have the investigation completed shortlyEsurance relies on Mr [redacted] 's continued cooperation with the outstanding items needed to accomplish that goal Mr [redacted] can contact [redacted] at XXX-XXX-XXXX if he has further questions Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Branch Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company