First Insurance Company of Hawaii, Ltd.

This will respond to the above customer's complaint that First Insurance Company has ignored her for "a year and 9 months".This claimant is alleging that on or about January 27th or 28th 2015 she tripped on "a mess" left by First Insurance's insured, a painting contractor who had been doing exterior...

painting on the building where she lives.The painting contractor denies that there was anything on the floor other than properly taped protective paper. This claimant was well aware of the painting project, which had been ongoing for several weeks, and the presence of the taped paper.There were no witnesses to her alleged accident, which was only reported to her condominium association on February 3rd 2015. In tum First Insurance was first made aware of her claim by the condominium association's insurance company on March 3rd 2015.First Insurance offered this claimant the benefit of our no-fault medical payment coverage and, from April 2015 to September 1st 2015, paid a total of$5,867.46 towards her care while keeping her appraised of which expenses were reimbursable under our coverage and which were not.First Insurance received no further communication from this claimant·until June 10th, 2016 when she wrote that she had been unable to find an attorney to represent her in this case and she was making a claim for somemedical bill reimbursements and a demand for $100,000. The documentation she[redacted]    [redacted]   [redacted] [redacted] provided showed that some of the medical payments may have been paid by [redacted] or already processed through our medical payment coverage.First Insurance also received from her condominium association's insurance a letter advising us that she had also made a claim against them for reimbursement of her medical expenses and for compensation for her fall.On August 19, 2016 First Insurance advised her that we needed the receipts and invoices to consider payment of the claimed medical expenses. We also advised her that we would consider her request for compensation after addressing these outstanding bills.This claimant responded on August 22, 2016 that all she wanted was$100,000 as compensation for her pain and suffering.Since she had also made a claim against her condominium association's insurance, we contacted them to confirm whether they had made any payments. We understand that they have denied her claim.On November 2, 2016 we informed her that we had already paid most of the medical bills she submitted in June. We also advised her that theremaining expenses were not covered under the medical payment coverage, with the exception of two items. We were processing reimbursement for one and requesting proof of payment for the second. Also in this email, we advised her, regarding the claim for compensation for pain and suffering, that we do not see this as a case of clear liability; however, we will further correspond with her condominium association's insurance concerning liability and will revert back to her.The above summary shows that this claimant has not been ignored.We trust that the above adequately addresses this complaint. If you have any questions concerning any point discussed above, or requires any additional information in connection with your investigation of this matter, please contact the undersigned.

Thank you for your prompt reply. No, unfortunately we had already taken the bed cover sheet out the washer.  Mr. T[redacted] does not live in Hawaii, so his property manager came when we called him in regards to the water and took the sheet with him. We chose not to reply to First...

Insurance because of advice received from AirBnB, to not respond. Also,  were not told to bring our own insurance to the trip, so I did not find it necessary to communicate with them. It would be somewhat reasonable to reply had I been provided information about FICOH prior to the trip, but that was not the case. I had no reason to respond to FICOH. We had no responsibility to anyone but AirBnB. Mr. T[redacted] did not contact me again once AirBnB denied his request for more money from us. It’s strange, because in his original request Mr. T[redacted] said that $500 deductible would cover all damages, including the neighbor’s damages. This was more reason for me to not reply to FICOH. Mr. T[redacted] called his own repairmen to fix the washer, but did not provide us with any documents saying it was our fault. I'm attaching some relevant documents here. Thank you for your help,Khushbu S[redacted]

see attached