Lighthouse Casualty Company

Thank you for the opportunity to respond to this complaint.Lighthouse Casualty apologizes to the complainant for the lack of action on our partWe are in the process of issuing a check for the claim resolutionhis check will be mailed tomorrow and should be to him by early next week at the latest.Thank you,Nick [redacted]

My son was accidentally part of an accidentHis car was tapped by another car after it was hit and rolledIt did practically nothing to his carHowever they have been calling me for information, yet when I turn a call they send me to an answering machine.it took four days , and spending two solid hours on the phone the fourth day, to get to talk to the original person who called meWho then couldn't even provide me with any information except my claim (never filed one) was denied (huh?) and the letter she sent me was the denial of claim (I've read it four times now, plus had someone else read itIt doesn't even MENTION a claim or its denialBut somehow I was psychically supposed to understand that?) I asked for one thing after all of this, a letter telling me they do not need any information from meShe can't even provid thatShe promised to let this now mad old man talk to a supervisor, but couldn't even do that, claiming he was in a meeting, and when I said she could interrupt a meeting she just tried to tell me she would have to end the conversation with this even angrier old man

Thank you for the opportunity to respond to this complaintOur adjuster has contacted the complainant about issues he has had with his claimDue to a personnel change in our appraisal department, the adjuster was unaware that the vehicle had not yet been viewedOur adjuster apologized to the complainant and explained the situationHe is sending the estimate and photos of his vehicle directly so there will be no need to reassign an appraisalWe should have an offer expedited to the complainant within the next few days and hope to have the claim resolved within the weekThank you, Nick [redacted]

The complainant was offered 100% of the estimateHowever, Lighthouse does not pay bettermentTheir bumper was severely rotted through from wear and tear on the left sidePhotos reflect this previous damage to the bumperTherefore, since the betterment is not covered, the offer reflected a deduction on the repair.At this time, the complainant must decide whether to accept the offer, process the claim through their own carrier or contact legal representationIf they decide to process the claim through their own carrier, the complainants can be reimbursed for their monies through subrogation.Thank you, [redacted]

I was hit by a party that had Lighthouse Casualty Ins It was days and messages later before I got a phone call from there adjuster who proceeded to offer me less for just one of three items she owes me for, stating that even though I was on a major highway and as the policeman said doing exactly what I was supposed to be doing when her insured pulled out between stopped cars onto the highway and hit me behind my back wheels and my trailer that I was at fault for speeding and not keep an eye out for other vehiclesI was flabbergasted and brought that message to my insurance company who just couldn't believe she would even say such things because the police said she was obviously at fault for pulling out from a side street and hitting me on my side

Thank you for the opportunity to respond to this complaint.As of right now, we are still waiting for the complainant's decision to accept or deny the offerA photo of the fence damaged in the accident was sent to LighthouseHowever, the photo provided was in black & white and taken from quite a distanceAlso, the photo did not include the portion of the fence damaged in the accidentLighthouse was told the damaged portion had been hauled away to someplace where a picture of it would be impossibleOur appraisal team reviewed the photo provided and recommended an offer less than what was offeredThe adjusting team thought the offer in question was fair and, as of now, waiting on a response from the claimantA claims manager will have someone from the adjusting team contact the complainant today to discuss the offer again.Thank you,Nick [redacted]

Thank you for the opportunity to respond to this complaint.Lighthouse claims explained to this complainant on 04/13/that we are in the process of investigating the claimOne of the investigative components is retrieving the crash report from the Des Plaines Police DepartmentOur claims adjuster filed a Freedom of Information request, per the Des Plaines PD instructionsThese requests can take timeIt is not a question of whether Lighthouse wants to pay out the claim, it is the company's fiduciary duty to ensure where the liability fallsOnce we receive this report, we can move forward with the claim toward a resolution.Thank you again, [redacted]

Thank you for the opportunity to respond to this complaint.As of August 3rd, Lighthouse notified the insured that the repairs were under the deductible amount with no further action neededToday, we had one of our claims associates contact the complainant to review the situationThe complainant said they will submit the estimate and invoice for the repairs and Lighthouse will review the documents once received for consideration of further actions.Thank you, [redacted]

Thank you for the opportunity to respond to this complaintPer the claim notes, I see that a settlement letter was sent out on 08/08/The letter outlines in detail the offer extended and information for the respondent to contact the Lighthouse adjuster to provide an answer.Thank you, [redacted]

Thank you for the opportunity to respond to this complaint.Per the claim notes, Lighthouse adjusters reached out to the complainant on January 8th and 9th and left messages both timesI will notify the adjusting team of his decision to go through his carrier and to plan on his carrier subrogating his claim.Thank you again, [redacted]

Thank you for the opportunity to respond to this complaintLighthouse apologizes for the delay in resolving this claim Our adjuster has contacted the Action Development Corporation; their estimate was approved and a payment for the full amount was issuedThis claim is closed.Thank you again, [redacted]

Thank yo for the opportunity to respond to this complaintFirst, Lighthouse would like to apologize to the complainant for the lateness of our responseShe should not have had to wait so long for informationUnfortunately, at this time, it is determined that this person has no coverage with Lighthouse Casualty Company when this accident occurred; therefore this claim is deniedThe adjuster reached out to the complainant and explained to her the circumstances then contacted the individual's agent who provided information on a possible secondary policyThe Lighthouse adjuster then contacted Ms [redacted] and provided the information to her so perhaps the other company could be of assistance to her.Thank you again, [redacted]

Thank you for the opportunity to respond to this complaintI would like to point out that Lighthouse is well within the state mandated gu***line of days to use as a resolution gu***lineI would also like to point out that this gent***n did in deed contact us looking for a higher amount for his vehicle but we explained that we used a different system and one which is used by almost every insurance company, CCCWhen one f the Claims associates spoke to him on 10/04/16, she notified him that we were waiting on paperwork from his lien holder as we need a copy of the title to complete resolutionShe then reached out to the complainant on 10/12/and explained that we have called the lien holder twice now to no avail We later received the needed items and a check was sent for payment.At this time, this claim is closed in our filesThank you again, [redacted]

Initial Business Response / [redacted] (1000, 13, 2015/07/31) */ At this time, the complainant has been paid for rental reimbursement as well as accepted a settlement offer We spoke with the auto body shop for consideration of repairs to the console audio systemThe shop reviewed the damage and said this is not a result of the accident impactTherefore, Lighthouse will not repair the audio system Thank you

Thank you for the opportunity to respond to this complaintAt this time, we have received a few phone calls now from a man who says he is the new owner of the complainant's vehicle but she wants to continue the claim through LighthouseThe man calling says he represents the complainant, then says he is the new owner; he is very rude and our calims associates have noted that he is not a pleasant individual on the phoneWe explained to him that the insured/complainant would need to contact us directly so that we may speak with him about the claimWe will speak to the adjuster about not receiving or returning calls and ask that the complainant call us about her "representative".Thank you again, [redacted]

this is the worst insurance company for claims, they will not answer a call they want you to leave a message and call you back, they will not call you back they want your payment but don't want to pay for a wrecked vehicleI work at a dealership and I would not recommend this Insurance company to anyoneThey only do Illinois and Indiana I will make it a point to let other out of state dealerships not to recommend this company for car insurance to there customersI have a customer now that has wrecked her car Thanksgiving day 11/27/and still is waiting to file a claimI as a dealership we would like to get paid too

Initial Business Response / [redacted] (1000, 8, 2015/01/28) */ Contact Name and Title: [redacted] Contact Phone: XXXXXXXXXX Contact Email: [redacted] @lighthousecasualty.com As Ms [redacted] stated, she filed a claim with us online on January 15, A claim file was set up, her car was towed to a body shop, an estimate was completed, repairs were authorized, and a check for the repairs was issued on January 21, 2015, six days from the first report of the claimWe have also spoken to the other driver's insurance company and advised that we will be pursuing a claim for reimbursement of the amount paid as we do not feel that Ms [redacted] is at fault for the accidentI hope this information explains our handling of this matter

I was unfortunate enough to have been involved in an accident were the liable driver (citation issued and already paid, confirmed by the [redacted] ***) had Lighthouse CasualtyMy accident was February 3rd and I have yet to speak with a representative after both my insurance provider and I have made countless attempts to contact them and sent over the finalized claim the same weekI cannot get my car repaired until their adjuster comes out to access the damage, which seems like will never happen as we are going on full weeks without any communication This insurance provider is considered “sub-par†and that is an understatement I am now at the point where I am considering legal action to get the repairs done to my vehicleI was advised that this action would be the only way to get the “ball rolling†, which seems to contradict the purpose of insurance in the first place Working, or should I say attempting to work, with the company is impossibleI would recommend to consumers to steer away from purchasing coverage with this firm, given my experience with the claims processI only want to rectify a not so great situation I was placed in when their customer darted out into lanes of oncoming traffic

Thank you for the opportunity to respond to this complaint.Lighthouse sincerely apologizes to the complainant about the lack of communicationWe can understand her frustration when calls are not returned and we regret this errorThe adjuster will be spoken to about this practice by his superiors.At this time, our adjuster has been in contact with the complainant and notified her that the claim is denied due to various circumstances.Thank you,Nick [redacted]

Complaint: [redacted] I am rejecting this response because: I was contacted by their case adjuster and their claims adjusterHe was supposed to call me to come between the 3rd and the 7thHe indicted the 7th would be better since I had a day off and the car would be at my residenceThere has been no further contact and the car has still not been estimatedI suspect they only contacted me since they were getting calls from myself and Allstate, my agentI reject their non-response Sincerely, Michael [redacted]