Lighthouse Casualty Company

Thank you for the opportunity to respond to this complaint.Per the claim manager, coverage has been confirmed and file is being transferred to the Total Loss department. Per the claim notes, the Lighthouse adjuster spoke with the insured today, 09/18/17, and reviewed the settlement offer. At this...

time, the process is moving forward to resolve this claim.Thank you again,[redacted]

Thank you for the opportunity to respond to this claim.
This complainant was dissatisfied with her offer so we rebutted with an increased offer. Again, the settlement was denied. They are looking for a 100% offer when Lighthouse feels our current offer is more than generous. Our adjuster...

also explained that the complainant is welcome to go through her own insurance company but her son is not covered by her policy. If she went through her own company, there would most likely be a difference in premium which could run costly so she will not pursue this route.At this time, we are working to resolve the claim but the complainant's son is threatening to follow legal avenues.
Thank you,
[redacted]

Complaint: [redacted]
I am rejecting this response because:your employee told me to kill myself, lied to me , and refused to cancel my policy. 
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.The Lighthouse adjuster handling this file is very close to completing resolution. There are many people involved in this accident and we are awaiting response from one last inusrer. Due to the recent holiday, their office was closed so we...

are hoping to contact her today or tomorrow then will be able to move forward with offers to all claimants.Thank you,[redacted]

Per our claim notes, we have spoken to the complainant a few times since the loss was filed; we spoke to him on 08/01, 08/11, 08/22. While we agree that a timely resolution this claim would be in everyone's best interest, we have had some issues contacting the insured. Again, I will ask the claims team to reach out to her. Lastly, per the guidelines set forth by the IL Department of Insurance, a company has 60 business days to attempt the resolution of a claim on behalf of the claimant. Lighthouse is currently well within this timeline.
Thank you,
[redacted]

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 offer. A photo of the fence damaged in the accident was sent to Lighthouse. However, the photo provided was in black & white and taken from quite...

a distance. Also, the photo did not include the portion of the fence damaged in the accident. Lighthouse was told the damaged portion had been hauled away to someplace where a picture of it would be impossible. Our appraisal team reviewed the photo provided and recommended an offer less than what was offered. The adjusting team thought the offer in question was fair and, as of now, waiting on a response from the claimant. A claims manager will have someone from the adjusting team contact the complainant today to discuss the offer again.Thank you,Nick [redacted]

I was hit by a party that had Lighthouse Casualty Ins It was 13 days and 7 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 vehicles. I 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.

The complaint number is [redacted].
Thank you,
[redacted]

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 so far.  I have purchased another vehicle due to running out of time from the issue.  I have attempted to contact the company to update with the replacement vehicle under a policy with which I have already renewed AFTER the claim began.  I'm having difficulty continuing to utilize their services and obtaining an updated card.  I appreciate the responses and resolution.  I'm now seeking to continue to do business with the company.
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Lighthouse Casualty apologizes to the complainant for the lack of action on our part. We are in the process of issuing a check for the claim resolution. his check will be mailed tomorrow and should be to him by early next week at the...

latest.Thank you,Nick [redacted]

Thank you for the opportunity to respond to this complaint.I would like to point out that Lighthouse is well within the state mandated gu[redacted]line of 40 days to use as a resolution gu[redacted]line. I would also like to point out that this gent[redacted]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, CCC. When 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 resolution. She then reached out to the complainant on 10/12/16 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 files.Thank you again,[redacted]

Thank you for the opportunity to respond to this complaint.
Lighthouse denied this claim on 08/02/2016. A letter advising the claimant of such was sent at that time. I will, however, ask the claims team to resend the letter for the complainant's records. we apologize if this letter has not...

been received but I will have the team send it via e-mail and USPS.Thank you again,
Nick [redacted]

Thank you for the opportunity to respond to this complaint.
Lighthouse sincerely apologizes to the complainant about the lack of communication. We can understand her frustration when calls are not returned and we regret this error. The 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]

Thank you for the opportunity to respond to this complaint.Lighthouse sincerely apologizes to the complainant about the lack of communication. We can understand her frustration when calls are not returned and we regret this error. The 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 this insurance company is merely attempting to delay payment of this claim.  They have a complete police report which includes a description of the incident and also verifies that their client was at fault as she was issued a moving violation by the police.  The fact that their insured has not yet reported this incident after nearly 3 weeks from the date it occurred, would leave one to believe she has no intention of doing so.  For that reason alone, it should have no bearing on the decision to settle my claim given the evidence they do have in hand.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/04/02) */
On February 5, 2015 the claimant reported that our insured vehicle had backed into the claimants vehicle. This took place in a parking lot, the incident was not reported to police.
Upon receiving a detailed statement from the insured...

we extended an offer of $362.14 or 75% of the full estimate, as the insured reported the claimant vehicle was speeding down the aisle at the time of the accident.
The claimant refused the offer.

Thank you for the opportunity to respond to this complaint.Lighthouse claims explained to this complainant on 04/13/17 that we are in the process of investigating the claim. One of the investigative components is retrieving the crash report from the Des Plaines Police Department. Our claims adjuster...

filed a Freedom of Information request, per the Des Plaines PD instructions. These requests can take time. It 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 falls. Once 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.Since this third party claimant filed his complaint, I see from the files that he has been contacted numerous times. Most recently, the complainant said he would fax in his rental receipts as of June 1 and he said he would send them in to...

Lighthouse on June 2. As of today, we have not received anything from the complainant. Our total loss adjuster noted that as of June 2, we had not heard from the complainant and we sent him an offer letter. Currently we are awaiting his response as well as a copy of his title, to receipts and rental receipts for reimbursement.Thank you,[redacted]

Thank you for the opportunity to respond to this complaint.Lighthouse denied this claim on 08/02/2016. A letter advising the claimant of such was sent at that time. I will, however, ask the claims team to resend the letter for the complainant's records. we apologize if this letter has not been...

received but I will have the team send it via e-mail and USPS.Thank you again,Nick [redacted]

Thank you for the opportunity to respond to this complaint.Lighthouse received this complainant's rental receipts on June 1, 2017 and a check was issued the same day.Thank you,[redacted]