Federated Insurance

Complaint Response:At STACK, we place great priority on user experience and we’re incredibly proud of the positive response we receive from our customers as a resultWe’re sorry to learn that in this particular case, we have a user that was less than satisfiedWe can assure that the comments and feedback shared here have not been taken lightlyHowever, after a comprehensive review of this experience, we can confidently say the review is both unfair and unwarrantedWhile our team is certainly no stranger to the sense of urgency that often exists with project bidding, we cannot commit that our training resources and schedule will always match with the exact need or timing of our usersMr [redacted] requested training late in the day on a Friday and was scheduled for the following Monday, but grew frustrated due to the 3-day waitUnfortunately for STACK and for [redacted] , we were not given the opportunity to help their team learn to use our softwareWe make every effort to accommodate the customer and this case was no differentMr [redacted] subscription fees were refunded in full and we wish his company nothing but future growth and successThank you again, [redacted] Director of MarketingStack Construction Technologies

*** *** *** *** ***
*** *** **
*** *** *** *** *** *** ***
***
*** *** *** *** ***
*** *** ***
*** ** *** ***
*** ** ***
*** *** *** Dear *** *** Please accept this letter as the response of Federated Mutual Company to your letter of to the California Department of Insurance which asked us to review our position on this loss. Careful consideration has been given to all of the information obtained concerning this incidentPlease understand it is not the obligation of an insurer to pay all claims, but only those for which it’s insured is legally liableBased upon the information we have to date, it is our position that *** *** *** ***was not 100% legally liable for this accident. However, we had previously made you a good faith offer of $1,100.00, based upon 50% responsibility, to resolve this matter. That offer is still valid. Attached you will find another copy of the release for you to sign and return should you want to accept our offer. In order for the release to be valid, the witness portion on the bottom of the second page will also need to be completed. The notary is not necessaryWe also feel that we need to advise you about the statute of limitations in CaliforniaAs a party making a claim, against our insured’s policy, the statute of limitations for you to bring legal action against our insured is two years from the date of the accident for bodily injury, and three years from the date of the accident for property damagePlease be advised that if you do not agree with the resolution of your claim, you may contact the California Department of Insurance, Attention: Claims, *** *** *** *** *** *** ** *** *** ** *** Please let me know if you require any additional information. I can be reached at *** Sincerely *** *** Claims Team Supervisor Federated Mutual Insurance Company

Complaint Response:At STACK, we place great priority on user experience and we’re incredibly proud of the positive response we receive from our customers as a result. We’re sorry to learn that in this particular case, we have a user that was less than satisfied. We can assure that the comments...

and feedback shared here have not been taken lightly. However, after a comprehensive review of this experience, we can confidently say the review is both unfair and unwarranted. While our team is certainly no stranger to the sense of urgency that often exists with project bidding, we cannot commit that our training resources and schedule will always match with the exact need or timing of our users. Mr. [redacted] requested training late in the day on a Friday and was scheduled for the following Monday, but grew frustrated due to the 3-day wait. Unfortunately for STACK and for [redacted], we were not given the opportunity to help their team learn to use our software. We make every effort to accommodate the customer and this case was no different. Mr. [redacted] subscription fees were refunded in full and we wish his company nothing but future growth and success. Thank you again,  [redacted]Director of MarketingStack Construction Technologies

We have reviewed your letter dated November 18, 2016 along with [redacted]'s complaint datedNovember 17, 2016.This complaint is the result of a discrepancy in [redacted]'s loss of use claim. [redacted] incurred $1,310.79 In rental expense of which Federated paid $1,213.02 on July 5, 2016....

It was Federated's position that the remaining balance of $157.75 was not owed.On November 18, 2016, Federated and [redacted] reached an agreement regarding the outstanding rental expense of $157.75. Federated has agreed to pay 75 percent of the remaining balance or $118.31. [redacted] has agreed to pay 25 percent of the remaining balance or $39.44.We hope that this satisfies your request for a response to this complaint. Please let us know if additional information is needed.

Review: My car was hit in a gas station parking lot while I was exiting a driveway. The truck was backing out of his parking spot, and backed into my car and hit the drivers headlight area, and hood. There was dirt and a palm tree in front of the truck which is why he was backing out. The driver of the pickup admitted fault at the scene, in which he gave his insurance information. He later denied fault and when the claim was filed by me, Federated Mutual Insurance initially denied the claim, then after the diagram of the scene, and pictures were submitted showing the angle of the dent that clearly shows the damage coming from a hit from the truck hitting the drivers side, Federal Mutual would still only pay half of the damage estimate. Since I only have liability insurance, they knew that my insurance would not file a claim on my behalf for the damage. I feel they are taking advantage of the situation trying to only settle for half of the estimated damage cost from a reputable Auto body shop that we trust. After several attempts to resolve the matter, they still refuse to pay the full damage estimate.Desired Settlement: We are requesting Federal Mutual Insurance to pay for the full damage estimate of 2,177.00

Business

Response:

[redacted]

[redacted]01 [redacted]

[redacted] Dear [redacted] Please accept this letter as the response of Federated Mutual Company to your letter of to the California Department of Insurance which asked us to review our position on this loss. Careful consideration has been given to all of the information obtained concerning this incident. Please understand it is not the obligation of an insurer to pay all claims, but only those for which it’s insured is legally liable. Based upon the information we have to date, it is our position that [redacted]. was not 100% legally liable for this accident. However, we had previously made you a good faith offer of $1,100.00, based upon 50% responsibility, to resolve this matter. That offer is still valid. Attached you will find another copy of the release for you to sign and return should you want to accept our offer. In order for the release to be valid, the witness portion on the bottom of the second page will also need to be completed. The notary is not necessary. We also feel that we need to advise you about the statute of limitations in California. As a party making a claim, against our insured’s policy, the statute of limitations for you to bring legal action against our insured is two years from the date of the accident for bodily injury, and three years from the date of the accident for property damage. Please be advised that if you do not agree with the resolution of your claim, you may contact the California Department of Insurance, Attention: Claims, [redacted] Please let me know if you require any additional information. I can be reached at [redacted] Sincerely [redacted] Claims Team Supervisor Federated Mutual Insurance Company