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Dear Ms***:Thank you for your letter dated January 16, 2018, received in our office on January 17, You request ERIE review and respond to the insured’s concerns cancellation of her homeowner’s insurance policy as she obtained replacement coverage with another insurance carrier.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premiumERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policyBelow you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effectWe may waive these requirements by confirming the date of cancellation to you in writing.As stated in our prior letter to your office, ERIE may consider backdating the cancellation of this policy in the event Ms*** is able to provide proof of replacement coverage from another insurance carrier.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at ***, extension ***.Sincerely,Stephen *R*** Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution ExaminerOffice of the President

January 16, 2018*** ***The Revdex.comHoliday Drive, Suite 220Pittsburgh, PA *** *** *** *** ***
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*** *** Revdex.com File #:*** Dear Ms***:This is in response to your letter of January 8, 2018, received in our office on January 8, You request ERIE review and respond to Ms***’s concerns regarding the above captioned claim.We also received your letter dated January 15, which we received in our office on January This letter indicated that the complainant’s issues were resolvedWe had already submitted a request with our claims team to further review this complaint and provided is their formal response.ERIE insured *** *** was involved in a four vehicle rear end collision on the outer loop of the Baltimore BeltwavMs*** was struck twice in the rear end and pushed into the vehicle in front of herOne of the vehicles to the rear of Ms*** was also insured with ERIE and the other was reported to be insured with MAIFThe above captioned claim number, ***, is the claim presented under Ms***’s policyThe damages to her vehicle were paid under this claim, however Ms***’s policy does not carry coverage for a rental vehicle or diminished value, so these elements of her claim could not be paid under her policy.Under Claim ***, Ms*** presented a third party claim under the policy for ERIE insured *** *** *** ***Mrs*** was one of the responsible tort-feasors in this accidentAfter much communication with MAIF, the other responsible tort-feasor has been determined to be uninsuredOn January 10, 2018, ERIE issued a check to Ms*** in reimbursement of her rental costs in the amount of $1,Also on January 10, ERIE issued a check in amount $2,to Ms*** in payment of the diminished value of her Toyota 4runner.We greatly appreciate the opportunity to respond to your additional inquiries and hope the information provided assists you in your responseIf you should need any additional information regarding this matter, please feel free to contact me at ***.Sincerely,Nicholas K***Executive Resolution ExaminerOffice of the President*** *** *** *** ***
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This is to confirm receipt of your letter dated January received in our office that same dateYou requestERIE review and respond to the insured’s concerns regarding the hand ling of her claim occurring December 9.2016.In review of our file, a claim occurred on December 7, when the
insured automobile’s radio began smoking.ERIE investigated the claim and discussed this mechanical failure with the BMW dealership.The dealershipconfirmed this was a mechanical failure of the component only and additional damage caused by the radio.ERIE mailed a letter to the insured on December 2016, denying coverage based on the policy conclusion formechanical failureErie spoke to the insured on January 6,2017, regarding diagnostic charles to check for awater leak for her VehicleERIE informed this is a regular maintenance procedure that would not be coveredunder the policyErie spoke to the insured again on January 20)upset that we would not he pay no for thediagnostic feeERIE advised the insured that we are willing to make a good faith offer to pay for dianostics asthe insured claimed she was unclear as to what wespecifically authorizedBased on the review of this fileWebelieve we have satisfied the insured to this point in the handling of her claim.Thank you for providing ERIE the opportunity to review and respond to the claimant’s concernsIf we canprovide any additional information or clarity, please contact our office at ###-###-####.Sincerely Stephen ** R*** **ACSAINS, AISAUCICExecutive Assistant IIOffice of the President

This is in response to your letter of January 6, 2016, which we received on that same dayYou have asked that
we respond to a complaint filed by Mrs*** regarding ERIE’s decision to nonrenew her family’s Automobile
Insurance Policy effective March 7,
According to our records, Mrs
*** has been insured with Erie Insurance since (years)According to
our records, they have submitted a total of six claims totaling $13,We have collected premiums during
that same time period of $24,As you can see, the ***’s have paid more in premium than we have
paid in claimsHowever, our concern is with the recent deterioration of the overall loss history and driving record
of the ***’sThere have been three at fault accidents in the past three and a half years, as well as Trent
***’s record of two moving violations and a license suspensionEnclosed is a copy of the Notice of
Nonrenewal explaining this information to the ***’s
While this has been a difficult decision for the ERIE to make given the ***’s years with us, and we
certainly understand their frustration with receiving this notice, we believe their driving record has *** to
the point where we can no longer continue to provide their insurance protectionTherefore, we must standby the
nonrenewal effective March 7,
Mrs***, in her letter to your office, alleges that I was “unaccommodating” and was “highly insulting”
during our phone conversationI can assure you that is not true and I remained professional during our
conversationI tried to explain during our conversation the reasons why the ERIE did not want to reconsider our
positionMrs*** became angry and began berating Erie InsuranceThen, she requested to speak with our
president, which I refused as I had already answered all her questions
If you have any additional questions, please do not hesitate to contact me at ###-###-####.

Dear Ms***:This is in response to your letter of May 8, 2018, which we received on May 9, regarding Ms***’s request that ERIE be held responsible for the misapplied payment that occurred on her policy April 19, 2017.Ms*** has been a loyal ERIE customer for the past years
and we have sincerely appreciated her longtime loyaltyHowever, since we inadvertently applied a payment to her policy that did not belong to her and then refunded the overpayment, ERIE has an obligation to request that money back from her so that we can credit it to the appropriate policyholder.Ms*** also raises a concern that she has received paperwork from ERIE with inconsistent amounts and dates associated with this issueIn an effort to assist you in your review of Ms***’s concerns, I have listed below a timeline that led to the request for repayment of the misapplied funds:1) On April 03, 2017, ERIE issued a premium invoice for $to Reliance Savings Bank who holds Ms***’s escrow accountThis payment was due April 24, Please note that Ms***’s mortgage company pays her insurance premium from her escrow.2) On April 10, 2017, ERIE received payment for $1,and applied it to Ms***’s policyBecause the premium invoice was only $371.00, ERIE issued her a refund check for $1,on April 19, 2017.3) On April 3, 2018, Erie issued a premium invoice for $to Reliance Savings Bank for the policy renewal on April 24, 2018.4) On April 11, ERIE received payment from Reliance Savings Bank for $381.00.5) On April 27, 2018, after the policy had renewed, ERIE discovered that $1,of the $1,received on April 10, was misapplied to Ms***’s policyThis payment was from another ERIE insured and was placed into the wrong policyERIE then realized that Ms*** had already cashed the refund check.6) On May 01, 2018, ERIE mailed a Misapplied Funds letter to Ms*** asking her to repay the $1,134.00.This matter was also addressed with the policyholder on several occasions with our customer care and she explained that she did not have the ability to repay us the full amount all at onceWe offered to make payment arrangements so that she could pay it back in monthly installmentsWe have yet to hear back from her as to how she wants to repay ERIE the $1,134.00.We understand Ms*** thought that the refund check was a credit for good driving or that ERIE had over rated her policyWe also understand that it has been over a year since the refund was issuedHowever, she received money that was not hers and we have an obligation to recover that amount from her so that it can be given to the correct policyholder.We apologized to Ms*** and for the burden this has placed on herWe hope this matter can be resolved amicablyIf Ms*** does not reimburse ERIE we may have no choice but to terminate the policy, which we hope is not necessaryIf we can provide additional information or clarify any item, please do not hesitate to contact me at *** ***.Sincerely,Becca S*Executive Resolution ExaminerOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.If they check their records I have called multiple times and told them to cancel EVERYTHINGI never signed up for homeowners insurance with them so I have no idea what they are talking aboutIf there is homeowners insurance on my policy it was added without my consentI never signed any paperwork to add any homeowners insurance to my policyI’ve had my own homeowners insurance through another company since I got my house in I have also attached pictures to prove that I asked them to cancel my policy and then also another one in October instructing him cancel everything.
Regards,
*** *** (***)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.The response from Erie clarified the dates and situation and also recapped our conversations about the issue. I have not set up a payment plan because I would like to have more detail as to why the error took so long to catch. As the letter stated, I've been a loyal customer for yearsI trusted that the insurance company would not have issued a refund if it wasn't due to me because they would have a checks and balances to ensure payments were credited properly to each homeowners' account, especially before a year's lapse in time. The insurance company should assume the responsibility for their mistake. There have been similar cases where the court stated in absence of fraud, when a refund is issued by a insurance company and then is determined it was paid in error is not the responsibility of the insured to repay. Regards,
*** ***

Dear Ms***:This is in reference to your letter dated November 15, 2017, received in our office that same dateYou request ERIE review and respond to the concerns of the claimant, Ms*** ***, regarding the handling of her claim occurring July 1, 2017.In review of our file, a claim
occurred on July 1, 2017, when our insured collided with the claimant’s vehicle while driving in a shopping store parking lotMs*** expresses concern regarding possible delays in responding to her bodily injury claimIn review of our files and as stated by the claimant, ERIE did reassign the handling of this claim to the current liability adjuster in early August of Both ERIE and Ms*** have exchanged voicemail messages throughout August, September and October in efforts to communicate with her the updated status of her claimERIE last left a voicemail message for Ms*** on October 31, 2017, and has not heard back from her to this point.Upon receipt of your letter to our office, we requested the ERIE Claims Department review the current concerns of Ms*** and to provide her with a status update for her claimWe have also included the updated telephone number and email address that Ms*** provided with her complaint to your officeWe look forward to resolving the claimant’s current concerns in efforts to finalize her bodily injury claim for her.We appreciate the opportunity to respond to your inquiry, and hope the information provided will assist you in your review of the claimant’s concernsIf you have any additional questions, please feel free to contact me at *** *** ***.Sincerely,Stephen V*** **., ACS, AINS, AIS, AU, CIC Senior Executive Resolution Examiner Office of the President

Dear MsGasser:This is in response to your letter dated May 2, 2018, which was received in the Office of the President on May 3, 2018, regarding Ms***’s complaint filed with your office.Our records confirm that Ms*** requested a driver to be added to her Virginia Erie Insurance Exchange
Auto PolicyAt the time of the request, underwriting information was obtained regarding the driver which indicated that the individual in question did not meet ERIE’s Underwriting GuidelinesAs a result, the driver will not be added to Ms***’s ERIE policyAdditionally, any licensed driver in the household may impact the continuation of coverage at the expiration of the policyPrior to the expiration of the policy, ERIE’s Underwriting Department will review the policy to determine if the policy is eligible for renewal.If you should need any additional information, please feel free to contact me directly at *** *** or ***.Gretchen ** T***, AINS, AIS, CPIW Senior Executive Resolution Examiner Office of the President

Dear MsGasser:This is in response to your letter dated May 2, 2018, which was received in the Office of the President on May 3, 2018, regarding Ms***’s complaint filed with your office.Our records confirm that Ms*** requested a driver to be added to her Virginia Erie Insurance Exchange
Auto PolicyAt the time of the request, underwriting information was obtained regarding the driver which indicated that the individual in question did not meet ERIE’s Underwriting GuidelinesAs a result, the driver will not be added to Ms***’s ERIE policyAdditionally, any licensed driver in the household may impact the continuation of coverage at the expiration of the policyPrior to the expiration of the policy, ERIE’s Underwriting Department will review the policy to determine if the policy is eligible for renewal.If you should need any additional information, please feel free to contact me directly at *** *** or ***.Gretchen ** T***, AINS, AIS, CPIW Senior Executive Resolution Examiner Office of the President

January 3,2017*** ***Revdex.comServing Western Pennsylvania*** *** *** *** *** ** ***Re: ERIE Insured: *** * *** ***ERIE Homeowners Policy #***Claim #***Date of Loss: November 2016Revdex.com ID #***Dear Mr***Thank you for your letter dated December received in our office on December You request ERIE reviewand respond to the Policyholders additional concerns regarding the handling of their claim.In review of our claim tile, the following chain of events occurred:• FRI F discussed ~ ith Mr*** that as a result of our investigation in gaining access to detcrmine tile cause of thisclaimthat we would be responsible to make repairs to any shower tile that had to be demol ishecl in order to gainaccess to the shower pan as well as damu’e to the ceiling beneath the shower area of his home.• Mr*** spoke with ERIE on December 14, stating that lie believed that the contractors assigned to provideestimates were coached by us to decline from ollering any estimatesERIE found no merit to such an accusationand agreed to contact all contractors in question and request they release and requested estimates to make necessaryrepairs to Mr***s property at their own discretion.• Mr*** expressed concern that the special order tile is no longer made and is requesting ERIE replace all tile inthe bathroom area of his homeERlE's Claim Supervisor spoke to Mr*** on December and informedhim that it would take approximately 7-ID business days before a tile expert would be able to provide an opinion onmatching tileERIE informed Mr*** once we hear back from the tile expertwe would follow up with theresults of their analysis.• ERIE continues to service this claim on behalf of the insured and will contact Mr*** to discuss the final resultsof our investigation.We believe we have provided the information necessary to assist with your reviewIf we can provide additional informationor clarity, please contact our office at ###-###-####.Sincerely.Stephen ** R*** **~., ACS, AINS, AISAU, CICExecutive Assistant IIOffice of the PresidentSR:** *** *** *** ** * *** *** *** *** *** *** *** *** *** ** * *** *** *** *** *** ** ***The ERIE

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.2012!? I was and living with my parents! So what your saying is agents of Erie slip in extra coverages to trick young kids before they sign??? That is even worse!! I demand a copy of this paperwork for my records so I can show that Erie trucks young kids into extra coverages they do not need just so they can get a extra dime out of them!
Regards,
*** *** (***)

I will not be forced to play any gamesNo documents will be sentNo money will be paidErie won’t see a dime and they can keep spamming my mail box with pointless lettersGood riddance you corrupt company

Thank you for your letter dated July 7, 2018, received in our office on July 9, You request ERIE review and respond to our insured’s concerns regarding the handling of their claim occurring April 3, 2018.In review of our file, ERIE investigated a hail claim occurring April 3, for our
insuredThe insured expresses concern in their letter to your office stating they obtained the opinion of two (2) separate roofing companies who state there is roof damage and that a new roof is neededPlease be advised that it is not uncommon for roofing companies to have a different opinion than an insurance carrier on the cause of the damage to a roofRoofing companies make money by replacing roofs and it is easier for both them and consumers to replace roofs when insurance company pays for it.Roofing companies have a business and financial interest in the outcome of an insurance claim, and as such there opinion is not unbiased.ERIE obtained the services of an engineering firm to determine the cause of loss under this claim.The engineer’s report does note other minor exterior damage that was observedHowever, per the engineer’s explanation, none of the damage can be attributed to hail or windThe engineer’s report also revealed issues with the shingles on the roof that are specifically excluded under the insured’s policyThese exclusions include mechanical breakdown, deterioration, wear and tear, as well as workmanship and constructionERIE mailed the insured a denial letter including the results of our inspection and the applicable exclusions listed under the policy.The insured expressed further concern stating there are twenty-one homes in their area who received new roofs due to storm damageSince we do not inspect the roof claims of other insurance carriers, we are unable to comment on the outcome of their claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mePlease find attached the document of replacement policy which is effective on Aug24, with American Strategic Insurance, as required by Erie Insurance for their decision.Thanks again for the efforts in resolving this issue for meAlso I would like to thank Erie Insurance for their quick response.Looking for forward to Erie's resolution (credit $back to my account) as they stated in their letter
Regards,
*** **

I emailed my *** bill with call history to *** to show that I did not receive multiple calls from *** *** but one call after I called *** *** on July 3, the one call I received from *** *** was missed and the voice mail said this is mike returning your call nothing about my car being readyAlso I did not cal *** on July 5th asking to extend my rentalI called *** on July 10th after calling *** and finding out that my car was done a week agoYou can see in my call history for both that did not get multiple calls from *** ***, zero calls from Erie insurance and that I did not call *** on July 5thI would not want to drive a rental and pay extra if I New my car was done*** Venza is a bigger car then Nissan Altima the rental they I had I'm very disappointed with the information that Erie insurance is providing This is *** ***I emailed my *** bill with call history for July to ***My number is ###-###-####Showing that I didn't not get multiple calls from *** ***, zero calls from Erie insuranceI got one call after calling *** *** 7/3/and the voice mail said this is mike returning your call, nothing about my car is ready to be picked upI still have that voice mail saved, I'm not sure how to foreword that to you Also I did not call *** on July 5th asking to extend my rentalI called *** on July 10th asking if Erie insurance is still covering my rental.

Dear Ms***:Thank you for your letter dated January 23, 2018, which we received in our office on January 24, You request ERIE to review and respond to the insured’s concerns regarding the billing of their Erie Automobile Policy.According to Ms***s ERIE Automobile Policy, she is
enrolled in ERIE’s ExpressPay billing planThis plan is designed for consecutive payments which are automatically debited from our policyholder’s checking or savings account on the same day each monthThere is a notice which is sent to the insured before the first draft giving them their scheduled drafts and their amountsNo further notices are mailed, unless there is a change in premium greater than $5.00.Ms***s eighth payment was scheduled to be debited on January 23, which Erie sent notification to Ms***s financial institution on January 21, 2018, in order to ensure timely paymentPrior to this MsColaizzi made a manual debit card payment on January 18, This payment did not post to the account until January 22, which was after the date we notified the financial institutionTherefore, the automatic debit by ERIE was still processed.Erie Insurance Customer Service needs between 3-business days before the draft to prevent the automatic debit from occurringThe other way is to make a payment at least business days prior to the ERIE ExpressPay payment occurs.The insured did contact Erie Insurance to discuss the double payment and rectify their concernsErie has agreed to issue a refund check to the insured for $This refund check will be mailed to the insuredSince this was not an ERIE error we will not reimburse any banking fees that she may have incurred.Based on this information we feel that Erie has resolved the customer’s complaints, if you have further questions please contact me at *** *** * ***.Sincerely,Nicholas K***Executive Resolution Examiner IOffice of the President

Thank you for your letter dated March I, 2017, received in our office that same dateYou request ERIE respond toMr*** concerns that we denied coverage for a claim that occurred four (4) days after his policy cancelled fornon-payment of premium.In review ofour file, ERIE mailed a Cancellation
Notice to Mr*** on December 19, 2016, advising his policywould cancel for non-payment of premium effective January 20, The letter further stated that if payment werereceived before such date the policy would be reinstatedWhen payment was not receivedERIE mailed a FinalStatement of Policy Balance to Mr*** on February 9,2017, notifying him the policy cancelled effective January20, 2017.Because ERIE provided proper notification in advance of the policy cancellation and the accident, we properlydenied coverage for this claim.We believe this information should be sufficient in assisting you close your fileIfyou have any additional questionsor require clarification, please contact me directly at ###-###-####, extension ***.Sincerely,Stephen *R*** Sr., ACS, AINS, AIS, AU, CICExecutive Support DepartmentOffice of the President

This letter is in response to your correspondence dated November and received in our office on December 2015, regarding a complaint made to your office by *** ***.Mr***' complaint concerns a collection letter lie received for earned premium on the above-referenced policy
Mr*** states he did not want his ERIE'S homeowner's policy to renew and obtained insurance from another carrierUnfortunately, ERIE was not aware that Mr*** had obtained other coverage until we received proof of other insurance: with Liberty Mutual on December 4, The policy was re-cancel!cd back to the renewal date of May ()and taken out of collectionsEnclosed it the Final Statement of Policy Balance, showing there is no outstanding balance of premium owed to ERIEWe believe that this should resolve Mr***' compiainl.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely.Karen * M***, CPCU, AIM, AIMS, AIS, CPIW Senior Executive Assistant Office of the President

April 26, 2018Ms*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: ERIE Insurance Exchange, NAIC #***ERIE Insured: *** *** and *** ***Automobile Policy #*** *** ERIE Claim # *** Complainant: *** * *** Date of Loss: 04/28/
Revdex.com ID # ***Dear Ms***:This is in response to your letter of March 24, 2018, which we received on that same dayYou requested that we review and respond to our policyholder’s daughter, *** ***’s letter expressing her concern about the repossession of the Ford Focus showing up on her credit report.On April 28, 2016, Ms*** submitted a claim for hail damage to the Ford FocusIn an effort to assist you in your review of Ms***’s concerns, I am providing below a timeline of the handling of the claim and how ERIE reached the final settlement of the claim.1) May 5, - ERIE received notice of a loss of hail damage, which occurred to the vehicle on April 28, 2016.2) May 8, - ERIE inspected the Ford Focus and found that the estimate had exceeded the actual cash value of the vehicleERIE deemed the vehicle a total loss.3) May 9, - Erie completed a total loss evaluation and obtained information from Wells Fargo, who was the lienholder for the vehicleThe ERIE appraiser reached out to the Policyholder to discuss the settlement amountThe Policyholder advised that they were not interested in retaining salvageTherefore, ERIE sent the total loss report and the total loss evaluation to the customerThe salvage yard was then called to pick up the vehicle.4) May 11, - The salvage yard picked up the vehicle from the ***’s residence.5) May 17, - ERIE Spoke with Wells Fargo and agreed to the total loss settlementERIE then mailed two power of attorney forms, odometer paperwork, total loss evaluation, total loss letter and a return envelope to the policyholderAlong with these documents, ERIE sent an instructional letter to the policyholder with what ERIE needed to proceed in the settlementThis form that was sent to the policyholder states:Payment will not be sent to the lien holder until these forms have been received.This may affect your outstanding balance as well as your creditPlease return these forms in a timely manner to ensure proper payment to your account.Please see the enclosed total loss paperwork.6) July 5, - ERIE spoke with Wells Fargo who was checking to see if ERIE had issued a settlement check for the payoff of the vehicleERIE advised that we had not yet received the total loss paperworkERIE then reached out to Mr***, who advised ERIE that the paperwork was currently in the mail.7) July 11, - ERIE received the Power of Attorney and Odometer statement from the Insured but the Power of Attorney was not notarizedERIE then returned the paper work to Mr*** along with a letter asking for the form to be notarizedPlease see the enclosed letter.8) August 25, - ERIE received a call from Wells Fargo requesting status on paymentERIE advised that we are still waiting on the notarized power of attorney from Mr***Wells Fargo requested the vehicle location informationERIE provided the information on the salvage yardERIE also attempted to call Mr*** but was unable to leave a voicemail.9) August 29, 2016- ERIE received a call from Wells Fargo advising that they want to repossess the vehicle.10) September 6, 2016- ERIE attempted to call Mr*** and left a voicemailWells Fargo also reached out to ERIE and wanted to know if ERIE could release the vehicle to themThe ERIE adjuster advised that we still had not heard from Mr*** nor had received the notarized Power of Attorney from him.11) September 19, - Wells Fargo repossessed the vehicle from the salvage yard.12) October 17, 2016- ERIE sent another letter for the notarized Power of Attorney form to Mr*** and the agencyPlease see enclosed documents.13) November 10, - ERIE received a subrogation demand from Wells Fargo dated November 10, 2018, advising that the vehicle had been repossessed on September 19, and they were requesting payment for the damages as a result of the April 28, hail claimPlease see the enclosed subrogation demand.ERIE never received the proper paperwork from Mr***Therefore, ERIE was unable to remit the total loss settlement to Wells FargoAfter Wells Fargo repossessed the vehicle and obtained the proper documentation, ERIE was able to settle directly with themIf Ms*** has any further questions about the repossession on her credit report she should contact Wells Fargo regarding this matter.We believe the above will assist you in completing your review of our actionsIf you should need additional information, please feel free to contact me at ***.Sincerely,Becca S*Executive Resolution ExaminerOffice of the President