Great American Insurance Companies

See attached documentGREATAMERICAN INSURANCE GROUPPO Box Property & Inland Marine Claims Cincinnati, OH 45201-5440GreatAmericaninsurance.comOctober 30, [redacted] Marketplace Resource Consultant Cincinnati Revdex.com E4th St.Suite 600Cincinnati, OH 45202?y fax 513-621-0907Re: Revdex.com |D#: [redacted] Great American Claim #: [redacted] Dear [redacted] ***,This letter is our response to yours of October 23, regarding damage claimed to our insured's customer's [redacted] , under our insured's policy [redacted] .Our insured's customer's truck was hauled from New York to California by our insured, who has a Motor Truck Cargo policy with Great American Insurance Company of New York (Great American)That policy insures liability for damage to property of others which our insured hauls as a motor truck carrierOur insured’s customer states that his truck was damaged while it was in transit with them.Our insured's customer reported the claim directly to our claim representative on September 11, In their first conversation, our insured's customer told our claim representative that when he took delivery of the truck during daylight hours on September 1, it was very dirtyHe said that he and his landlord inspected it and didn't see any damage, so he signed the Bill of Lading stating that it was received in good conditionThe Bill of Lading is the shipping document governing this shipmentEnclosed is a copy of it for your reviewOur insured’s customer advised that he later found damage after he took the truck to a carwash and drove it home, and he reported it to our insuredHe sent our insured an estimate for $for damage to the hood and grille.When our claim representative spoke to our insured the same day, our insured advised that the dent on the truck was very visible at eye level and that it would have been apparent whether the truck was dirty or notOur insured noted that no exceptions were taken upon delivery and advised that his company hadn't caused any damage, but said that as a gesture of goodwill to his customer, he offered to sendGreat Américan Insurance Company American Empire Group Mid-Continent Group I Republic indemnity Groupsomeone to remove the dentHowever, he said that due to the type of material of the hood, that didn't work and he offered their customer $400.Our claim representative requested that our insured send her copies of his paperwork in order to make sure that we had all available documentation, which he did on October 1, The Bill of Lading he submitted showed the same destination signature as did the copy that their customer providedIt States above his signature “This vehicle is received in good condition, except as noted above, thereby releasing the transporter from any further claims.” There are no exceptions noted and the customer confirms that he did not make any,Our insured's customer's designated representative signed the Bill of Lading at the point of origin, and by doing so agreed to the terms on the back of the Bill of LadingThe document states:***The vehicle owner or the customer shall, in their absence, designate a person to act as their agent at the point of piand/or delivery, if for any reason they are unavailable***The customer agrees that their vehicle is insured and their insurance has primary responsibility***19, Exceptions for damages must be noted on the Bill of Lading at time of delivery, a claim for damage not documented on the Bill of Lading will not be honoredAll claims must be made in writing with (fifteen) days of delivery with a statement of specific damages claimedAll claims, subrogation, iitigation, or legal action must have right of venue in the state of Massachusetts, county of Hampden, in the municipal court.***When our claim representative spoke to the customer initially, she explained to him that there was a question of liability since the Bill of Lading was signed without exception and that she would continue to gather information so that she could make a final determination of coverage/liabilityThe customer states that he did not receive any response from our claim representative after numerous attempts to reach her by phone and email, however she advised that she returned a message from him on October 1, She also had phone messages from him on October and October 22, 2015, which she has since returned, and she advises that she had emails from him on September 11, and on October 23, to which she respondedwe understand how frustrating it is not to get an expected response and we apologize if there was any confusion of communicationOne of our departmental quality standards is that we return calls and emails by the next business day.Based on the fact that the truck was accepted in writing upon delivery without any exceptions, per the terms of the Bill of Lading that our insured’s customer agreed to, we had no choice but to find that our insured was not liable for the claimed damage since there was no documentation to indicate that it happened while in their careWe should also note that since our insured's policy does have a $deductible, they are responsible for any amount under $for which they're liableFor that reason, in this case, had our insured been liable, Great American would still not have been able to make payment to the customer under the terms of the policy.We regret that our insured's customer was dissatisfied with our service and we hope this clarifies our decision based on the terms of the legal contract to which he agreed.Please feel free to call or email if you have any questions at all.Thank you,Sincerely,Jane AE***, SCLA, AIC, AMIM Claim Manager

Response to your file # ***Great American TowerE 4th Street, 22nd FloorCincinnati, OH 45202-4201Toll Free: (800) 643-7882Fax: (513) 369-7778Claims Fax: (877) 335-8910Mailing Address:GAI Trucking DivisionP.OBox 5425Cincinnati, OH 45201March 7, 2016***
***Cincinnati Revdex.comRE: *** *** / ATP *** / ID# ***Dear *** ***:This letter is in response to the inquiry we received regarding *** ***, ID# ***We regretthat *** *** had a negative experience with Great American Insurance Group’s Trucking Division andhave taken steps to correct the situation.The facts of the situation are as follows:*** *** held policy ATP *** with usThis policy automatically renewed effective 1/25/***
*** advised the agent that he did not wish for the policy to renewGreat American received thewritten request to cancel on 2/25/The cancellation was processed on 2/26/16.From 1/25/to 2/26/the policy remained in forceSince the payment was not received and thepolicy was still in force the funds were automatically withdrawn from the insured’s account, per his priorenrollment in the automatic payment program We received an e-mail from *** *** on 2/29/16, questioning the withdraw of the fundsWeimmediately processed the refund per the insured’s requestThe insured’s account was reimbursed forthe funds that were withdrawn on 3/2/ Please let us know if you have any other questions. Regards,Maria R***Divisional AVP Great American InsuranceGroup, Trucking Division

See attached documentGREATAMERICAN INSURANCE GROUPPO Box 5440 Property & Inland Marine Claims Cincinnati, OH 45201-5440GreatAmericaninsurance.comOctober 30, 2015[redacted] Marketplace Resource Consultant Cincinnati Revdex.com 1 E. 4th St.Suite 600Cincinnati, OH 45202?y fax...

513-621-0907Re: Revdex.com |D#: [redacted]Great American Claim #: [redacted]Dear [redacted],This letter is our response to yours of October 23, 2015 regarding damage claimed to our insured's customer's 2015 [redacted], under our insured's policy [redacted].Our insured's customer's truck was hauled from New York to California by our insured, who has a Motor Truck Cargo policy with Great American Insurance Company of New York (Great American). That policy insures liability for damage to property of others which our insured hauls as a motor truck carrier. Our insured’s customer states that his truck was damaged while it was in transit with them.Our insured's customer reported the claim directly to our claim representative on September 11, 2015. In their first conversation, our insured's customer told our claim representative that when he took delivery of the truck during daylight hours on September 1, 2015 it was very dirty. He said that he and his landlord inspected it and didn't see any damage, so he signed the Bill of Lading stating that it was received in good condition. The Bill of Lading is the shipping document governing this shipment. Enclosed is a copy of it for your review. Our insured’s customer advised that he later found damage after he took the truck to a carwash and drove it home, and he reported it to our insured. He sent our insured an estimate for $1361.48 for damage to the hood and grille.When our claim representative spoke to our insured the same day, our insured advised that the dent on the truck was very visible at eye level and that it would have been apparent whether the truck was dirty or not. Our insured noted that no exceptions were taken upon delivery and advised that his company hadn't caused any damage, but said that as a gesture of goodwill to his customer, he offered to sendGreat Américan Insurance Company American Empire Group Mid-Continent Group I Republic indemnity Groupsomeone to remove the dent. However, he said that due to the type of material of the hood, that didn't work and he offered their customer $400.Our claim representative requested that our insured send her copies of his paperwork in order to make sure that we had all available documentation, which he did on October 1, 2015. The Bill of Lading he submitted showed the same destination signature as did the copy that their customer provided. It States above his signature “This vehicle is received in good condition, except as noted above, thereby releasing the transporter from any further claims.” There are no exceptions noted and the customer confirms that he did not make any,Our insured's customer's designated representative signed the Bill of Lading at the point of origin, and by doing so agreed to the terms on the back of the Bill of Lading. The document states:[redacted]12. The vehicle owner or the customer shall, in their absence, designate a person to act as their agent at the point of pick-up and/or delivery, if for any reason they are unavailable[redacted]16. The customer agrees that their vehicle is insured and their insurance has primary responsibility[redacted]19, Exceptions for damages must be noted on the Bill of Lading at time of delivery, a claim for damage not documented on the Bill of Lading will not be honored. All claims must be made in writing with 15 (fifteen) days of delivery with a statement of specific damages claimed. All claims, subrogation, iitigation, or legal action must have right of venue in the state of Massachusetts, county of Hampden, in the municipal court.[redacted]When our claim representative spoke to the customer initially, she explained to him that there was a question of liability since the Bill of Lading was signed without exception and that she would continue to gather information so that she could make a final determination of coverage/liability. The customer states that he did not receive any response from our claim representative after numerous attempts to reach her by phone and email, however she advised that she returned a message from him on October 1, 2015. She also had phone messages from him on October 20 and October 22, 2015, which she has since returned, and she advises that she had emails from him on September 11, 2015 and on October 23, 2015 to which she responded. we understand how frustrating it is not to get an expected response and we apologize if there was any confusion of communication. One of our departmental quality standards is that we return calls and emails by the next business day.Based on the fact that the truck was accepted in writing upon delivery without any exceptions, per the terms of the Bill of Lading that our insured’s customer agreed to, we had no choice but to find that our insured was not liable for the claimed damage since there was no documentation to indicate that it happened while in their care. We should also note that since our insured's policy does have a $2500 deductible, they are responsible for any amount under $2500 for which they're liable. For that reason, in this case, had our insured been liable, Great American would still not have been able to make payment to the customer under the terms of the policy.We regret that our insured's customer was dissatisfied with our service and we hope this clarifies our decision based on the terms of the legal contract to which he agreed.Please feel free to call or email if you have any questions at all.Thank you,Sincerely,Jane A. E[redacted], SCLA, AIC, AMIM Claim Manager

Cincinnati Revdex.com7 West 7th Street, Suite 1600Cincinnati, OH 45202 Attention: [redacted]  c/o  [redacted] RE:         Your File#       ...

                                  [redacted]Insured:                                             [redacted]Insuring Company:                          Great American Assurance CompanyNAIC Code:                                     �...⇄ [redacted]Claim #:                                          ...⇄ [redacted] We acknowledge receipt of your inquiry, written on June 16, 2015, with our customer’s complaint.  It was received in our office on June 17, 2015. As per your cover letter with the referral, we have reached out to [redacted], we’ve addressed his concerns, and the claim has been satisfactorily resolved.  Additional details pertaining to the complaint and its resolution follow. First, we apologize for what [redacted] expressed he experienced when speaking with our adjuster and his manager as we never intended anything other than providing exceptional service and getting the claim resolved as quickly as possible.  I personally spoke with [redacted] on June 16th to address his concerns the day before we received your inquiry, we’ve confirmed with he and the repair shop that [redacted]’s concern regarding paint match is being properly addressed, and we issued an overnighted an additional downtime check to [redacted] on June 16th.  Following receipt of your inquiry, I telephoned [redacted] again on June 17th to confirm he received the additional payment and to remind him to contact me directly if he had any further concerns or issues.  We believe the claim is now satisfactorily resolved. We hope this answer is helpful in your review of the claim, but please feel free to contact us if more information is needed. Sincerely,Darrell B[redacted], CPCU, SCLADivisional Vice President, Claims ManagerO: [redacted]   F: [redacted] Trucking Division|www.GreatAmericanTrucker.com301 E Fourth St, GAT-22, Cincinnati, Ohio 45202