KMK Commercial Lines Insurance Agency, Inc.

Initial Business Response /* (1000, 14, 2015/05/15) */
Initial Consumer Rebuttal /* (4200, 18, 2015/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We worked with KMK Commercial Lines for two years and the owner, *** ***, was our
primary contactWe heard about her through some friends that we have in common and decided to trust her and ended up purchasing a Commercial Insurance for our Trucking (long-haul) companyI must say we are new in the business so working with someone we trust was very important!
The first year, 2013, everything related to coverage went well but KMK's customer service was not the bestNow that we have more experience with different brokers, we know that most brokers do not charge to add/remove drivers to our current policy or to check if insurance will accept a certain driver, etcShe claims that she did some of those services for free as a courtesy, but paying $for adding a new driver to actual policy is just ridiculous
The huge problem we had with *** and her agency started on 01/10/2014, when we needed to renew our policy with *** ***We paid her the renewal fee and after a few days she comes back to us to say that for some (strange) reason, the insurer did not want to take the 'risk' so they cancelled our policyThe risk? Our loss runs show no losses or complains for the past two years; we shouldn't have been rejected! When we confronted her, she did not explain what the 'risk' was because the insurer didn't state that information on the cancelation e-mailThe most awkward thing here, is that she issued us a Certificate of Liability Insurance effective 1/11/- 1/11/but is not with *** ***, is with *** Insurance with a Policy Number that, per ***, does not exist in their system
So now we have no insurance and *** diced to get us coverage with *** days after our cancelled renewalHere's where our first gap in coverage starts*** did issue a policy number on 2/4/and they sent us a notification of cancellation days later on 2/11/saying that they were cancelling because, and I quote: 'Tractor type trucks are unacceptable per our underwriting guidelinesThe Gross Vehicle Weight, or combined GVW o the following vehicle exceed the maximum of 54,GVW per our company guidelines" Yes*** insured our company with *** Insurance, which do not do business with businesses like ours! Sorry but, she is the expert and this is something she knew from the beginningAnd as of 3/17/we have no insuranceagain!
After more days (another gap in coverage) she finally takes the time to work with *** Insurance to get us coverageShe did everything for us and was an easy process, we only had to submit our payment to her, that she would later send to *** insuranceShe sent us another Certificate of Liability Insurance effective 3/27/- 3/27/with a different, but real policy number, butthis policy number did not belong to us, it is for a different trucking companyThe Certificate of Liability had all of our information and tractors, the amounts of coverage we requested and a special note that all long-haulers look for: Radius coverageWe requested a 48-State radius and she did write it down on the Certificate of Liability, but at the end of the year, we find out through *** that they do not insure our-of-state and that our radius limit was milesThis explains why one of our drivers was stopped at Oklahoma and got a ticket for no insurance that we had to pay
I must say that we didn't know any of this until early when we started looking for a different broker for the XXXX-XXXX periodOur FMCSA report shows that we had a laps of coverage from January to March and we are now considered NEW IN BUSINESSKMK commercial Lines and *** *** exposed our business to severe violations and penalties because we only do long-haul, never localBecause of this gap in coverage, most insurance companies are rejecting our applications and don't want to insure us because we lost our seniorityBecause of her negligence, the 2-insurance companies that decided to give us another chance and accept our insurance request gave us enormous rates that we are having trouble to payThis is so unfair! All of this is staying on our record and we confirmed it on our last CHP inspection
If you are new in business, please get references from experienced people, don't get a broker just because they are selling incredible cheap policiesCheap should be the first red flag that there is something wrongPlease don't put in risk your business, be careful and avoid business with KMK Commercial Lines
Final Business Response /* (4000, 16, 2015/05/22) */
On May 21st 2015, I *** *** made an appointment with the consumers Mr*** *** and *** ***The appointment was for over two hours long since noonWe went over the entire insurance transaction as well as explaining and answering all their questions and concernsI did confirm and explain to them that due to the fact that they had an actual policy and coverage the only way a refund would be given back to them from the carriers is if they provided proof of duplicate coverageAny insurance carrier would not refund a premium due to the fact that they provided coverage and in the event of a lost they would of had paid for a claimAt the end of our visit I did offer a full refund due to the circumstances and to fulfill their expected outcome from the initial complainThey did not accept my refundI provided them copies of my response of complain to both Revdex.com and California Department of InsuranceAt this point I feel limited as in what further more I can do to assist themIf further questions and or concerns please contact me directlyn