Kemptons Quality Pools & Spas

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

Dear Ms. [redacted]:This is response to your follow up letter of May 16, 2018, which we received on the same day regarding Ms. [redacted]’s request that ERIE explain why the misapplied payment to her policy took ERIE so long to catch.Considering the amount of payments we receive on an annual basis, when a payment is misapplied it can take a substantial amount of time to track down the error. As soon as we did catch this error we took the appropriate steps to notify both policyholders that were involved and worked to get this money transferred to the appropriate policy.As I stated in the prior response, Ms. [redacted] 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.Again, we apologize to Ms. [redacted] and for the burden this has placed on her. If we can provide additional information or clarify any item, please do not hesitate to contact me at [redacted].Sincerely,Becca S[redacted]Executive Resolution ExaminerOffice of the President

December 8, 2016Re: ERIE Insured: [redacted]E R IE Homeowners Policv #[redacted]Claim #0[redacted]Date of Loss: 'November 14 , 2016B B B ID #[redacted]Dear Mr. [redacted]Thank you for your letter dated December 5. 2016, received in our office on December 6, 2016. You request E R IE reviewand...

respond to the Policyholder complaint regarding the handling of their claim.In review of our claim file, the following chain of events occurred:• The insureds reported to E R IE on November 16. 2016, that they sustained water damage to the ceiling area of thehome located directly below an upstairs bathroom.• ER IE 'S Adjuster conducted an investigation and determined the cause of loss to be repeated seepage of water from ashower located in the insured’s upstairs bathroom. The adjuster determined that the shower leakage caused damageto the drywall located on the ceiling located directly below the bathroom shower. ER IE 'S Adjuster provided Mr.[redacted] with information regarding possible denial of coverage due to the applicable policy exclusion as follows:k. Accidental Discharge Or Overflow Of Water O r Steam2) This peril does not include loss:(a) To the system or appliance from which the water or steam escaped;(d) Caused by:(i) Constant or repeated discharge, seepage or leakage of water; or( ii) The presence or condensation of humidity, moisture or vapor;over a period of weeks, months or years.ERIE further advised Mr. [redacted] that although the resulting drywall damage would qualify for coverage, theestimated cost of repairs would be less than the applicable policy deductible.ERIE has since consulted with an engineering firm and await their final report to confirm the cause of loss. ERIE continuesto service this claim on behalf of the insured and will contact Mr. [redacted] to discuss the final results of our investigation.We believe we have provided the information necessary to assist with your review. I f we can provide additional informationor clarity, please contact our office at ###-###-####.Sincerely,Stephen *. R[redacted]., ACS, AIMS, AIS, AU, CICExecutive Assistant IIOffice of the PresidentSR:[redacted] [redacted]

Dear Ms. [redacted]:This is to confirm receipt of your letter dated November 29, 2017, received in our office that same date. You request ERIE review and respond to the complainant’s, Mr. [redacted], concerns regarding the handling of his claim occurring October 20, 2017.In review of our file, the...

following chain of events occurred:• 11/7/17 - Mr. [redacted] contacted our insured’s agent to discuss a possible claim with a reported loss date of 10/20/17. Mr. [redacted] reported he was walking his son’s dog, when the dog pulled on the leash causing him to fall to the ground causing possible bodily injury. Mr. [redacted] is considered as an additional insured under this policy of insurance due to being a homeowner and member of the association.• 11/8/17 - ERIE’s investigation to this point included a discussion with our insured, an officer of the association board. ERIE also left a voicemail message for Mr. [redacted] to call to properly service his claim.• 11/13/17 - ERIE’s Claim Department spoke to Mr. [redacted] and requested he provide a recorded statement to help us obtain information regarding his claim. Mr. [redacted] stated to ERIE that he is not willing to cooperate and provide any statement. Mr. [redacted] then requested an “accident report form”.• 11/20/17 - ERIE spoke to Mr. [redacted] when he stated that he hasn’t filed any claim yet and he is uncertain if he is pursuing any claim. Mr. [redacted] stated he would not provide a recorded statement without his attorney present. Mr. [redacted] requested an “accident report form” and that he would complete it in the event he decided to file a claim with ERIE at a later date. ERIE confirmed with Mr. [redacted] at this time that we have no such form and that he was welcome to send to us a written description of the incident. ERIE has not received any written description of the accident to this point.Mr. [redacted] states in his letter that he would like to submit a written accident report to ERIE in the event he wishes to pursue this claim. ERIE stands ready to service this claim for Mr. [redacted] in the event he wishes to provide a written description of this incident.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional support to our insured. If you have any additional questions or concerns, please contact our office at ([redacted].Sincerely,Stephen *. R[redacted]., ACS, AINS, AIS, AU, CIC Senior Executive Resolution Examiner Office of the President

The agent states that I had went to his office and begged for two (2) hours for him to under insure myhome.This is not true:1. Mr. B[redacted] had agreed to become my new insurance agent and had invited me to his office. Theobjective of the meeting was to review and discuss my general insurance needs – includinghomeowners, auto, and the possibility of umbrella. At the time of the meeting, Mr. B[redacted] didnot have access to my policies because Erie had not yet changed the agent related informationin their system. Therefore, it would have been impossible to discuss specific numbers at thattime. We only discussed my insurance needs in general terms. Mr. B[redacted] stated that he wouldreview the specifics of my coverage as soon as he obtained access to my information. He saidthat he would contact me if he saw any issues. I was never contacted. I assumed that all wasaccurate and correct.2. Why would a reputable insurance agent knowingly under insure a client, even at that client’sinsistence? Would knowingly under insuring be considered an unethical or even possibly, anegligent act by the agent? If an underinsured client were to incur an uncovered loss, it is myunderstanding that an agent can by personally sued for the difference. Why would Mr. B[redacted]agree to put himself in financial jeopardy? My begging and his under insuring did not happen.3. I personally have a better than average appreciation for the value of adequate insurancecoverage. I know a lot about finance. I am a highly educated. I was valedictorian of my highschool class. I graduated with honors from Indiana University School of Business. I have aMaster’s degree and hold a CPA certification. I have a successful financial related career. Iwould not have not risked losing my home for a $54 annual savings. Why would a professionalof my caliber take the time to walk into an insurance agency and argue with an agent that shehad never met before for two (2) hours for $54, in order to knowingly jeopardize her financialhealth?4. Even though consider myself very intelligent, I do not know how much money it would take torebuild my home. Nor do I have availability to the software that gives me that information. Isimply did not have the information available to me to argue the specific home replacementamounts.5. I had just suffered a fairly significant financial loss ($5500) under my last agent at the previousinsurance company. After having suffered one big loss, I would not have taken a chance onunder insuring my primary residence. To give some historical perspective, when my agent of 25years had retired and sold his company I decided to transfer my Erie coverage to a newinsurance agency in town that had been recommended to me. There was one new agent in thatoffice who was very friendly and gregarious, but not very detail oriented. Insurance is complex.From what I later found out, this very new agent made a lot of mistakes. I was one of thevictims. When I had storm damage on my secondary home and needed to repair the roof, Ifound out that I was not covered because of something that this agent had (had not) done. Theowner of the agency was always straightforward with me and I believe that he did the best thathe could to handle his personnel problem (the last I talked to him he was having a second agentreview every policy that this new agent wrote. According to the attached letter, the agent is nolonger there). However, after having to write a $5500 dollar check to pay for repairs that shouldhave been covered, I did not feel comfortable working with the agent anymore. That is when Itransferred my Erie policies to Mr. B[redacted].6. I am a single mother. I would never put my child’s home and our financial future at risk for $54.The letter states that Mr. B[redacted] e-mailed me asking me what to do about coverage. Below isa sample from correspondence that I have."I was reallytaken by your language and the way you spoke to me (of course I used strong language, my home was in jeopardy), I no longer wish to continue as your agent.Please send me a written request to cancel your home owners policy" There.is no offer to help or to check the numbers, transfer, to anotheragent etc1. It is misappropriate to send personal and confidential insurance information over aninsecure source. If more specific insurance details were e-mailed to me, there should be apasscode that was communicated via another manner.2. The only choice this gives me is to cancel the policy. I have had Erie Insurance most of myadult life. Before that, my parents had Erie Insurance. I wanted to keep Erie Insurance butfeel like I am being forced out against my will. My premiums are paid up and Mr. B[redacted] isstill collecting a commission on my policy.3. The e-mail refers to me speaking to him inappropriately. Please understand, I had beentrying to reach him for three (3) weeks to discuss my policy renewal in February. After 1.5weeks of not being contacted, I started to get other estimates from other agencies – just tomake sure that I would have coverage. It was then that I realized that my current coveragewas inadequate. At that time, I was scared. I called and called again. I called Erie directly andspoke to a customer agent. Erie has me on tape expressing my deep concern and fear. Mr.B[redacted]’s son finally called me back. He told me not to worry. That they had ran the numbersand everything was OK. He said that he would have an agent call me the next day. That iswhen Mr. B[redacted] finally called. I requested that he send me documentation to show that hehad checked the coverage. He responded by saying that I had made him lower the coverage(I had ‘begged’ him to act unethically). He also stated that the reason that I had switchedagents in the first place had been ‘silly’. In response to all of this, I did use some ‘strong’language. However, I was scared, had lost sleep due to worry, and he was not still notchanging the coverage – he was just making stuff up in an effort to cover himself. Thecoverage amounts had never been reviewed. To this day, he still has not fixed the coverage.His behavior was a whole lot worse than anything that I have ever done or said.I know that you get a lot of customer complaints. However, Mr. B[redacted]’s actions are in my opinion,unscrupulous and need to be evaluated as such. He has knowingly and selfishly put my home and myfamily’s financial wellbeing at serious risk. Insurance professionals need to be held to higher standards.The next time, such irresponsible behavior could result in the loss of someone’s home.

This is in response to your letter dated August 7, 2015, which we received on the same date.The above policy is a Personal Automobile Policy issued to Ian [redacted]. Mr. [redacted] had selected to make his paymentsthrough our electronic funds transfer option, in which 1/12thof the premium is deducted...

electronically from thecustomer’s bank account each month, for the 12 months of the policy term. Mr. [redacted]’s payments are withdrawnon the 12th of each month. In July, Mr. [redacted] made an electronic payment online on July 8, 2015, which wereceived on the 10th. We are enclosing a copy of a draft notice, which clearly states that three business days areneeded in order to stop or change a withdrawal under this payment plan. July 8, 2015 was a Wednesday, andJuly 12, 2015 was a Sunday; therefore, there were not three business days as required in order to stop the draft.Mr. [redacted] would have had to notify ERIE of his intention to stop the automatic draft.The payment was drafted, as it had already been electronically sent to the bank. According to the customer, thisresulted in their account being overdrawn. He was charged a $25.00 nonsufficient funds fee from ERIE when thepayment was returned, as well as incurring a charge from their own bank. ERIE agreed to credit Mr. [redacted]’s policy$25.00 for the insufficient funds fee imposed by us, given the fact he did make the manual payment for July andwe agree to make a one time exception. However, the customer is asking us to reimburse the fee he was chargedby his bank, and we have declined to do so. The customer had been informed on the invoice of the three businessdays requirement to stop a bank withdraw; therefore, we don’t believe the responsibility for this error belongs toERIE. As such, we can only credit our own fee, but we can’t be responsible for the fee the bank imposed whenMr. [redacted]’s account was overdrawn.

Thank you for your letter dated February 23. 2016. received in our office on February 23. 2016. You requestERIE review and respond to Mr. [redacted] concerns regarding his submission for electronic fund transfers and apending premium amount due For his automobile policy.In review of our file, the...

following events occurred:ERIE's Agent bound a policy to provide Mr. [redacted]’s automobile insurance protection effective January5, 2016. Mr. [redacted] elected a pay plan option for automatic electronic fund transfer to make hispremium payments.• When ERIE attempted to withdraw a predetermined premium amount from the information provided forMr. [redacted]'s financial institution, the payment request was returned to us as an invalid bank accountnumber.• When ERIE was unable to withdraw payment from the information provided to us, we amended Mr.[redacted]'s electronic fund transfer pay plan option to a monthly billing cycle.• Mr. [redacted] purchased replacement coverage with another carrier and cancelled the ERIE Auto Policyeffective January 27, 2016.• ERIE cancelled Mr. [redacted]’s policy as requested and mailed a Final Statement of Policy Balance to himon January 28, 2016, indicating an earned premium amount due of $96.00. This notice confirmed thepolicy terminated on January 27, 2016.While it is never a pleasure to find that any policyholder has concerns such as this with ERIE, premium remainsdue for the time period coverage was in place and was charged in accordance with policy provisions. Therefore,earned premium remains due in the amount of $96.00.Thank you for providing ERIE the opportunity to respond to Ms. [redacted] complaint. If you would like anyadditional information or clarification, please do not hesitate to contact me by phone at ###-###-####, or by faxat ###-###-####.Sincerely,Stephen ** R[redacted], ACS, AINS, AIS. AU. CICExecutive Assistant IIOffice of the PresidentSR:c:

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Thank you for you letter dated May 24, 2017, received in our office that same date. You request ERIEreview and respond to our insured~s concerns regarding his request for information regarding dates andaddresses that we would have mailed a specific magazine to him.Upon receipt of your letter to our...

office, we mailed a response directly to Mr. Pyle addressing hisconcerns. Enclosed is a copy of the response. Based on the information provided in the letter to Mr.Pyle, we believe we have resolved his current concerns.We believe we have provided the information to assist with the review of your above referenced file. Ifwe can provide any additional information or clarity, please contact our office at (814)870 2228.Sincerely.Stephen *. R[redacted]., ACS. AINS, AIS, AU,dcExecutive Support DepartmentOffice of the President

January 3,2017[redacted]Revdex.comServing Western Pennsylvania[redacted]Re: ERIE Insured: [redacted]ERIE Homeowners Policy #[redacted]Claim #[redacted]Date of Loss: November 14. 2016Revdex.com ID #[redacted]Dear Mr. [redacted]Thank you for your letter dated December 30. 2016. received in our office on December 30. 2016. 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. [redacted] that as a result of our investigation in gaining access to detcrmine tile cause of thisclaim. that 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. [redacted] spoke with ERIE on December 14, 2016. stating that lie believed that the contractors assigned to provideestimates were coached by us to decline from ollering any estimates. ERIE 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. [redacted]s property at their own discretion.• Mr. [redacted] expressed concern that the special order tile is no longer made and is requesting ERIE replace all tile inthe bathroom area of his home. ERlE's Claim Supervisor spoke to Mr. [redacted] on December 27. 2016. and informedhim that it would take approximately 7-ID business days before a tile expert would be able to provide an opinion onmatching tile. ERIE informed Mr. [redacted] once we hear back from the tile expert. we would follow up with theresults of their analysis.• ERIE continues to service this claim on behalf of the insured and will contact Mr. [redacted] to discuss the final resultsof our investigation.We believe we have provided the information necessary to assist with your review. If we can provide additional informationor clarity, please contact our office at ###-###-####.Sincerely.Stephen ** R[redacted]~., ACS, AINS, AIS. AU, CICExecutive Assistant IIOffice of the PresidentSR:[redacted]The ERIE

Thank you for your letter dated October 3, 2017, received in our office on October 4, 2017. You request ERIE review and respond to the insured’s concerns regarding cancellation of the above-captioned policies.Upon receipt of your letter to our office, we contacted the insured’s representing ERIE...

Agent who confirmed at no time did Mr. [redacted] provide a request to cancel the above-captioned policies in writing prior to the date of cancellation or non-renewal. Please see the policy language below applicable to the need for documented request to cancel.CANCELLATION AND NONRENEWAL Your Right To Cancel “You” 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 effect. “We” may waive these requirements by confirming the date of cancellation to “you” in writing.When the agent learned the insured obtained replacement coverage with another insurance carrier, they requested Mr. [redacted] provide front page copies of the current carrier’s declaration pages to ERIE for our review in consideration of backdate cancelling the policies in question. Mr. [redacted] has not provided verification of any other insurance coverage to this point.Mr. [redacted] states in is letter that he requested the policies be cancelled and his address be changed. ERIE confirms at no time have we received any such request.In order to best service the concerns of Mr. [redacted], we would encourage him to provide either his Agent of ERIE with an updated address change and front page copies of his declarations to we can confirm continuous coverage and send future mailings to the proper mailing address. We also request ERIE’s Agent send a letter to Mr. [redacted] requesting this same information in order to best assist his request to cancel to any specific date he is requesting.We appreciate the opportunity to address the insured’s concern. If we can be of any further assistance, please contact our office at [redacted], extension [redacted].Sincerely,Stephen *. R[redacted] Executive Assistant IIOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I should NOT have to supply documentation on my home owners insurance when I NEVER SIGNED UP FOR HOME OWNERS INSURANCE WITH ERIE TO BEGIN WITH! That’s the whole issue!! They are billing me for a service that I didn’t even sign up for! At the time of being with Erie I didn’t even own a home or rent for that matter! It should be unlawful for companies like this to bill customers for services they never signed up for to begin with and then hound them constantly for money that the company doesn’t deserve to begin with! Erie will not be getting a dime from me or making me jump through any hoops for there scams!
Regards,
[redacted] ([redacted])

Dear Ms. [redacted]:Thank you for your letter dated February 14, 2018 which we received on that same day. You request ERIE review and respond to the insured’s concerns regarding the cancellation for non-payment of premium effective December 26, 2017, and the non- responsiveness of their agency.A review...

of our file revealed that Mr. [redacted]’s policy was written as new business on April 20, 2017, with an annual premium of $1373.00. Mr. [redacted] was on Payment Plan D, which is Quarterly, with installments due May, July, October and January. We received timely payments for the May and July installments.On September 29, 2017, we mailed an invoice for the third installment of $348.25 to be due on October 20, 2017. When we did not receive thispayment, we mailed a second invoice on October 30, 2017 asking for the payment to be due on November 20, 2017.When we did not receive this payment, we issued a Notice of Cancellation on November 24, 2017. A copy of this notice and proof of mailing are included in the letter.Mr. [redacted] also alleges that the agent failed to respond to phone calls and emails regarding the cancellation. I have spoken with the agent and they advised that they have no record of receiving phone messages or emails from Mr. [redacted]. The agent confirms that they "have a VoIP telephone system that alerts them of any voicemails that are left by also emailing them. The agency has a strict 24 hour time frame to contact someone back if they do contact their office.The insured did reach out to the agency on December 26, 2017, while the agent was out of the office and was told by a co-worker they would review this cancellation with ERIE and contact him back. The agent called Mr. [redacted] on December 27, 2017 which was after the cancellation date. She informed the insured that ERIE could not reinstate the policy and she would be able to place him with another carrier. The agent did confirm when she spoke with the insured that she had the correct telephone number and email address as she had not received anything from him.The policy will remain cancelled effective December 26, 2017 and the insured owes an Earned Premium balance of $269.50.Based on the informationprovided, we ask that you support the Cancellation for Non-Payment of Premium effective December 26, 2017. If you have any additional questions, please contact me at [redacted].Sincerely,Nicholas K[redacted]Executive Resolution Examiner IOffice of the President

Dear Ms. [redacted]:Thank you for your letter dated January 23, 2018, which we received in our office on January 24, 2018. You request ERIE to review and respond to the insured’s concerns regarding the billing of their Erie Automobile Policy.According to Ms. [redacted]s ERIE Automobile Policy, she is...

enrolled in ERIE’s ExpressPay billing plan. This plan is designed for 12 consecutive payments which are automatically debited from our policyholder’s checking or savings account on the same day each month. There is a notice which is sent to the insured before the first draft giving them their scheduled drafts and their amounts. No further notices are mailed, unless there is a change in premium greater than $5.00.Ms. [redacted]s eighth payment was scheduled to be debited on January 23, 2018 which Erie sent notification to Ms. [redacted]s financial institution on January 21, 2018, in order to ensure timely payment. Prior to this Ms. Colaizzi made a manual debit card payment on January 18, 2018. This payment did not post to the account until January 22, 2018 which was after the date we notified the financial institution. Therefore, the automatic debit by ERIE was still processed.Erie Insurance Customer Service needs between 3-5 business days before the draft to prevent the automatic debit from occurring. The other way is to make a payment at least 10 business days prior to the ERIE ExpressPay payment occurs.The insured did contact Erie Insurance to discuss the double payment and rectify their concerns. Erie has agreed to issue a refund check to the insured for $140.00. This refund check will be mailed to the insured. Since 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 [redacted].Sincerely,Nicholas K[redacted]Executive Resolution Examiner IOffice of the President

Dear Ms. [redacted]:This is in response to your letter of May 8, 2018, which we received on May 9, 2018 regarding Ms. [redacted]’s request that ERIE be held responsible for the misapplied payment that occurred on her policy April 19, 2017.Ms. [redacted] has been a loyal ERIE customer for the past 13 years...

and we have sincerely appreciated her longtime loyalty. However, 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. [redacted] also raises a concern that she has received paperwork from ERIE with inconsistent amounts and dates associated with this issue. In an effort to assist you in your review of Ms. [redacted]’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 $371.00 to Reliance Savings Bank who holds Ms. [redacted]’s escrow account. This payment was due April 24, 2017. Please note that Ms. [redacted]’s mortgage company pays her insurance premium from her escrow.2) On April 10, 2017, ERIE received payment for $1,505.00 and applied it to Ms. [redacted]’s policy. Because the premium invoice was only $371.00, ERIE issued her a refund check for $1,134.00 on April 19, 2017.3) On April 3, 2018, Erie issued a premium invoice for $381.00 to Reliance Savings Bank for the policy renewal on April 24, 2018.4) On April 11, 2018 ERIE received payment from Reliance Savings Bank for $381.00.5) On April 27, 2018, after the policy had renewed, ERIE discovered that $1,134.00 of the $1,505.00 received on April 10, 2017 was misapplied to Ms. [redacted]’s policy. This payment was from another ERIE insured and was placed into the wrong policy. ERIE then realized that Ms. [redacted] had already cashed the refund check.6) On May 01, 2018, ERIE mailed a Misapplied Funds letter to Ms. [redacted] 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 once. We offered to make payment arrangements so that she could pay it back in monthly installments. We have yet to hear back from her as to how she wants to repay ERIE the $1,134.00.We understand Ms. [redacted] thought that the refund check was a credit for good driving or that ERIE had over rated her policy. We also understand that it has been over a year since the refund was issued. However, 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. [redacted] and for the burden this has placed on her. We hope this matter can be resolved amicably. If Ms. [redacted] does not reimburse ERIE we may have no choice but to terminate the policy, which we hope is not necessary. If we can provide additional information or clarify any item, please do not hesitate to contact me at [redacted].Sincerely,Becca S[redacted]Executive Resolution ExaminerOffice of the President

Dear Ms. [redacted]This letter is in response to your correspondence dated November 14, 2017, and received in our office on November 14, 2017, regarding Mr. [redacted]’s complaint related to an accident occurring October 1, 2017.This accident in which [redacted] was involved took place on October 1,...

2017 at the intersection of Lober Street and Washington Lane in Philadelphia, PA. The claim was received by ERIE on October 10, 2017 and assigned to Liability Adjuster Shannah B[redacted] and Liability Supervisor Kimberly H[redacted]. ERIE Policyholder [redacted] reported the loss and provided information that indicated [redacted] ran a red traffic light causing this motor vehicle accident.On October 11, 2017, a letter of representation was received from attorney [redacted] stating that he was representing Mr. [redacted] in reference to this claim.ERIE obtained a statement from our Policyholder Mr. [redacted] on October 11, 2017. Mr. [redacted] advised in his recorded statement that while stopped at the intersection of Washington and Lober, Mr. [redacted] was attempting to proceed through the intersection while the traffic signal was red. As a result of running the red light, Mr. [redacted] struck Mr. [redacted]’s vehicle which was at a complete stop.On October ^ 2017, the attorney for Mr. [redacted] had called and requesting status of the investigation. He was advised that the investigation was pending and that the police report was needed to finalize the investigation. The attorney had stated that he would also request a copy of the police report and, once obtained, get back in touch with ERIE.A woman named [redacted] called ERIE on October 27, 2017 and left a voice mail for the Liability Supervisor Kim H[redacted] advising that she was a witness to the accident and wanted to provide a statement. Kim H[redacted] sent a note to the handling adjuster Shannah B[redacted] to contact the witness. Shannah B[redacted] attempted to call [redacted] and a message was left.The attorney for Mr. [redacted] provided a copy of the police report on November 16, 2017. The police report was filed the following day after the accident by Mr. [redacted] only. There is no information listed for Mr. [redacted]. There was no version provided to the police to reflect Mr. [redacted]’s version of the accident. The report notes a witness named [redacted], but provides no last name or address.The current status of the liability investigation is pending. Mr. [redacted] is claiming that Mr. [redacted] ran a red light and struck his stopped vehicle. Mr. [redacted] provided a statement to the police that Mr. [redacted] turned into his vehicle. The police report was filed by Mr. [redacted] only. The witness is listed as [redacted] only, and no statement has been obtained to date. Furthermore, this witness information was provided by Mr. [redacted] only and not in the presence of the police. Based on the information available to date, there is no clear indication as to which party is at fault for this loss.As a result, the investigation continues with attempts to reach the witness for a statement and determine her credibility. If the witness cannot be reached, a final decision will be made based on the information obtained to date.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at [redacted].Sincerely,Karen A[redacted], CPCU, AIM, AINS, AIS, CPIW Executive Resolution Consultant Office of the President[redacted] [redacted]

This is in response to your letter dated June 17,2015, which we received on the same date.On the above-referenced date of loss, Mr. [redacted] reported water damage throughout his apartment due to heavy rainsin the area. He stated the water was about four inches deep, and he was using a shop vac to take...

up the water. Atthe time of the report, there was no confirmation of coverage given. The loss was assigned to a claims adjuster,and the adjuster made contact with Mr. [redacted] on the same date as the loss. Being that the cause of the loss was dueto water coming up through the drain, there is no co~erage according to our policy language. The claim assubsequently denied by phone at approximately 10:00 a.m. on June 16, 2015. We have also mailed a writtendenial letter to the customer, outlining the section of the policy where the exclusion for this type of loss can befound.We are mindful of the inconvenience and devastation that a claim can cause. Unfortunately, coverage for thistype of loss does not exist under the policy. Therefore, we are not able to provide any payment for the damage.Thank you for contacting our office. If further information is needed, you may contact me at ###-###-####.Sincerely,[redacted], API AIS, AINS, CPIWExecutive Assistant IIOffice of the President

This is in response to your letter dated and received July 19. 2017. regarding Mr. [redacted]complaint filed with your office related to the cancellation of his Erie Insurance Company AutoPolicy effective June 3. 2017. for non-payment of premium.In reviewing our records we find that the [redacted] policy...

originated August 29. 2008. Coveragehas been provided annually to the most recent renewal effective August 29. 2016. On July 30,2016, ERIE issued and mailed the [redacted] renewal policy. On August 8,2016 a billing invoicewas mailed requesting payment in full by August 29. 2016. The payment plan was amended anda billing invoice was mailed September 8,2016, requesting a payment of $316.75 by September29, 2016. On October 10, 2016, a billing invoice was mailed requesting a payment of $316.75by October 31, 2016.On November 1,2016, a cancellation notice was issued and mailed advising of a cancellationeffective December 3, 2016, for non-payment of premium. The notice requested a minimumpayment of $316.75 due by December 3,2016, to avoid cancellation. On December 6,2016, arescind notice was issued and mailed acknowledging receipt of the insured’s payment of $325 .00on December 5,2016, and the rescission of the cancellation.On December 8,2016, a billing invoice was issued and mailed requesting a payment of $313.50by December 29, 2016. On January 9,2017, a billing invoice was issued and mailed requestinga payment of $313.50 by January 30, 2017.On February 1, 2017, a cancellation notice was issued and mailed advising of a cancellationeffective March 5,2017, for non-payment of premium. The notice requested a minimumpayment of $313.50 due by March 5,2017 to avoid cancellation.On March 2,2017. an amended policy was issued and mailed to the [redacted] confirming a changerequested to the policy.On March 6. 2017. a rescind notice was issued and mailed acknowledging receipt of theinsured’s payment in the amount of $313.50 on March 3,2017. and rescinding the cancellation.On March 8. 2017. a billing invoice was issued and mailed requesting a payment of $398.75 byMarch 29. 2017. On April 10, 2017. a billing invoice was mailed requesting a payment of$398.75 by May 1.2017.On May 2.2017. a cancellation notice was issued and mailed advising of a cancellation effectiveJune 3,2017. due to non-payment of premium. The notice requested a minimum payment of$398.75 by June 3,2017, to avoid cancellation.No payment was received and the policy cancelled effective June 3.2017. On June 29. 2017. afinal statement was issued and mailed confirming the cancellation effective June 3,2017 andincluding billing for $360.50 representing the remaining earned premium due for coverageprovided up to June 3.2017.Mr. [redacted] contacted ERIE on July 3.2017. regarding the cancellation of his policy. 1-Ic wasadvised that the policy was canceled effective June 3,2017, and the policy would not bereinstated. Mr. [redacted] contacted ERIE again on July 18, 2017, and was again advised that thepolic) would remain canceled. Mr. [redacted] requested copies of all correspondence mailed fromMarch of 2017 to June of 2017. ERIE mailed the requested correspondence to the [redacted] onJuly 18. 2017 by certified mail.Based on the above, we believe our action to be appropriate and look for your support in thismatter. If you should need any additional information, please feel free to contact me directly at[redacted]Sincerely,  Gretchen A. T[redacted], AINS, AlS, CPIWExecutive Assistant IIOffice of the President

This is to confirm receipt of your letter dated April 1 7, 2017, received in our office that same date. You requestERIE review and respond to Mrs. [redacted]’ concerns regarding the handling of her claim occurring March 25, 201 7.In review of our file, a claim occurred on March 25, 201 7, when our...

insured, while operating her automobile,struck a deer causing damage. Mrs. [redacted] expresses concern she has not heard from ERIE in three (3) weeksregarding payment for repairs to her vehicle and rental coverage until her vehicle can be repaired.Upon receipt of your letter to our office, we confirmed that the insured selected her own repair facility in lieu ofan ERIE direct repair facility. ERIE inspected the insured's vehicle at her place of employment on March 30,201 7, and provided copies of the estimate to both the insured and the insured’s auto repair facility. ERIE spoke tothe insured on April 7, 2017 and advised the repair facility caused delays regarding required paperwork andawaiting delivery of parts that were outside of both ERIE ’S and the repair facility’s control. ERIE again spoke tothe insured on April 1 1, 201 7 to advise the insured her auto repair facility continued to wait on parts and that acheck would be overnighted to her once the repair vendor was approved. ERIE confirmed approval of the vendorand issued payment to the insured on April 17, 201 7. ERIE also confirmed on that same date that the auto repairfacility continues to wait on the bumper for the insured’s vehicle, and that ERIE is in agreement to extend avehicle rental as needed.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional supportto our insured. If you have any additional questions or concerns, please contact our office at ###-###-####.Office of the President

Thank you for your letter dated August 16, 2017, received in our office on August 23, 2017. You request ERIE review and respond to Ms. [redacted] concerns regarding the cancellation of her personal automobile policy effective July 1, 2017, for non-payment of premium.Ms. [redacted] states that she chose not to...

renew her auto and homeowners insurance with ERIE. She further states in her letter that she provided her agent with proof of new insurance and that she is not aware of any law that says I have to renew my insurance with any specific company. Below you will find a copy of the General Policy Conditions applicable to Ms. [redacted] concerns:RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS“We,” “you” and anyone else protected by this policy must do certain things in order for the terms of this policy to apply.DEFINITIONSThe following words and phrases have a special meaning when they appear in bold type and quotations in the RIGHTS AND DUTIES—GENERAL POLICY CONDITIONS Section.• “Anyone we protect” means:1. “you” and “your” spouse, if a “resident” of “your” household; and2. persons or organizations defined as “anyone we protect” in the LIABILITY PROTECTION Section orany applicable coverage.CONTINUOUS POLICYThis policy is a continuous policy. It will continue in force until cancelled by “you” or terminated by “us” as explained in the Termination Condition. Each year “we” will send “you” a “Declarations” that shows the premium due for the next policy period.In return for this service, “you” must mail “us” written notice prior to the new policy period if “you” want to cancel. If “we” do not receive this notice, this policy remains in force and “you” must pay “us” the earned premium due for this time.TERMINATIONCancellation“You” 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 effect. “We” may waive these requirements by confirming the date of cancellation to “you” in writing.[redacted]“We” reserve the right to cancel for “your” noncompliance with “our” premium payment plans. “We” do not waive “our” right to cancel, even if “we” have accepted prior late payments.If this policy is cancelled, “we” will return the pro rata unused share of “your” premium. Cancellation will be effective even if “we” have not given or offered any return premium.Upon receipt of your letter to our office, we contacted the ERIE Agent who confirmed and based on their file, at no time did the insured provide a written request to cancel this policy prior to renewal, nor did she provide proof of coverage with another insurance carrier. The agent states they will reach out to Ms. [redacted] in efforts to provide further assistance.We believe the information provided should be helpful in assisting with your investigation. If you require additional information or clarification, please contact our office at ###-###-####.Sincerely,Stephen *. R[redacted] Sr., ACS, AINS, AIS, AU, CICExecutive Assistant IIOffice of the President