Lighthouse Casualty Company

Thank you for the opportunity to reply to this complaint.
Lighthouse apologizes if there was a lack of communication with the complainant. The team supervisor handling this claim said that coverage and liability have been accepted so a settlement offer will be made some time...

today.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 times. I 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]

DO NOT USE THIS COMPANY!

NOTE: LIGHTHOUSE CASUALTY COMPANY IS THE SAME AS [redacted]
Same address and the same group owns them though they do have different FEINs

We were involved in an accident with a driver that they ([redacted]/Lighthouse) carry a SR22 non owner’s policy on. (The other vehicle itself was not insured as far as anyone can tell) They will not pay to have our truck fixed until they reach the policy holder and they admit liability. Without the other driver taking responsibility he is not covered…. WHAT?!?!?!?! The guy HAD coverage at the time of the accident!!!!!!

SO, Information for others out there.

I contacted my lawyer. Thank god I actually have an honest lawyer. He said when everything was said and done he would cost more than the damages and there is no guarantee that I would get my lawyer fees and court costs back even if we won. BUT he is awesome and helped me anyway!

Contact the Revdex.com. They might be able to help, if not they will direct you. They had me file a complaint with the [redacted] of [redacted]

Since Lighthouse/[redacted] is stating that their driver might not be covered I also filed a complaint with the [redacted] of [redacted] (They take care of non-insured drivers)

Ask your government for help! That is what we pay taxes for!

Also, make some noise on the internet. The more people who speak out the more likely someone will notice.

There is already a piece by [redacted] about [redacted] out. It is a bit dated, but I think the info still stands.
[redacted]XXXXXXXXX[redacted]

Thank you for the opportunity to respond to this complaint.I have spoken to the claims manager and she is directing the adjuster to follow up on the claim for specific information needed. Once the information is received, a better informed decision can be made on the claim. Thank you,Nick [redacted]

Complaint: [redacted]
I am rejecting this response because:Neither my attorney or myself have received any correspondence in the last 30-45 days in regards to this claim. Please reach my attorney with a status on my claim. 
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint. I did  send a response previously but am unsure why the system did not accept it.Lighthouse is waiting on photos from the insured to be emailed to the claims department. The photos will allow the adjusting team to better decide what to...

do in this claim. At this time, we have yet to receive such photos and the we will contact the insured again for them to be sent.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because: I did not accept the amount specified. I only accepted to take it to an agreed location for repair, at the cost of Lighthouse Insurance. I have no knowledge or committment from the repair company that this amount is sufficient to complete the repair. I requested no check be sent to me. Once repaired at no cost to me, I will then consider this closed.
Sincerely,
[redacted]

Initial Business Response /* (1000, 8, 2015/05/04) */
We are very sorry Mr. [redacted] has had a difficult time contacting our company. We understand his frustration in this situation. However, our website can accommodate the report of a new loss in order to alleviate any phone issue which may...

arise.
Our online claim system is available 24 hours a day, seven days a week, 365 days a year. If Mr. [redacted] has still not contacted our company via phone, he is more than welcome to file online or contact us at [redacted]@lighthousecasualty.com and I will be more than happy to connect him to a First Report associate.
Thank you,
[redacted]
Initial Consumer Rebuttal /* (2000, 10, 2015/05/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

After further reviewing the file with the Claims  Supervisor, we stand firm that on 02/03/17, the complainant accepted the offer made to him and wanted his vehicle repaired at [redacted]. We faxed the estimate to the shop and issued the check in question. On 02/13/17, the complainant called and asked what if there was hidden damage once the vehicle was in the body shop. Our associate explained the process for a supplemental estimate as long as the damage is accident related.Thank you,[redacted]

I accepted under comprehensive and collision in my policy which states "coverage that pays for damage to your car less a deductible, if your car is damaged in an accident regardless of fault".

This company is absolutely garbage. I don't know how its workers can even sleep at night knowing they rip people off and lie to them.
I was driving going northbound, it was sunny and the road going northbound was clear. A man who unfortunately is insured by this company was going southbound (keep in mind, traffic going southbound is at a standstill because there is a set of train tracks and a freighter passing by) decided he didn't want to wait and made a U-Turn cutting into my lane, smashing into me.
This company has been dragging their feet since day ONE. Their adjuster lowballed me on an estimate, giving only $1400... Get this: The police estimated over $1500. The mechanic gave us an estimate of $3175. Why in the actual [redacted] am I dealing with Mr. Krabs and his [redacted] auto insurance company? Cheapskates.
We're lucky to have found a rental company who had a listing for $19/day... Lighthouse Casualty will only cover $20/day for 15 days. How does this business have an A on the Revdex.com???
Oh and if you decide you want to call this company up to get things solved, don't bother. Their representatives are full of [redacted] who won't answer your voicemails and won't bother to call back. You're better off going into their office and shaking the money out of them.
SAVE YOURSELF FROM LIGHTHOUSE [redacted] COMPANY.

Thank you for the opportunity to reply to this complaint.Per our claim notes, this complainant's reimbursement check was issued on 04/14/17, which could mean the the check did not get in the mail until 04/17/17; the first date was a Friday and the check was probably signed and sent to the mailroom...

on Monday. Our notes say that the complainant called on 04/18/17 and 04/25/17 because the check had not arrived as of yet. While we can certainly empathize with her frustration, once a check is placed in the hands of the USPS, we have no control over the situation. Per our Accounting Department, the check was processed through our bank on Friday, April, 28 so the complainant did receive the check. Unfortunately, it was not delivered in a timely manner.Thank you again,[redacted]

Initial Business Response /* (1000, 5, 2015/02/13) */
Contact Name and Title: [redacted] Claim VP
Contact Phone: (XXX)XXX-XXXX
Contact Email: [redacted]@lighthousecasualty.com
The loss was first reported on February 3, 2015. We sent Ms. [redacted] for an estimate, investigated a...

potential coverage issue, and authorized and issued a check for repairs to her vehicle on February 9th, within 6 days of first report. On February 12th, Ms. [redacted] informed us that she would like to repair the vehicle at a different facility. We voided the original payment, and she will call us back with the name of that facility so payment can be issued to them instead.

Thank you for the opportunity to respond to this complaint.This insured has two claims open which occurred on the same day. In one, he says there was little to no damage to his vehicle. No decision has been made as of yet on whether Lighthouse will pay for or deny his claim(s). The claim team is...

working on the investigation and the adjuster said she will contact the complainant to review the file and provide an update.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because: they need to pay me the check and I will sue for remainder to repair my car cost $1100i will take the offer and take then to small claims court for the rest .
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Per the Underwriter note in her file:"Customer called in to cancel policy but refused to send written request or go into agency to sign cancel paperwork. Threatened to purposely crash vehicle and have company pay for damages.Underwriting has...

gone ahead and canceled the policy effective today; Reason is listed as Insured's Request.Thank you,[redacted]

Complaint: [redacted]
I am rejecting this response because the notes that Mr. [redacted] indicated in his response were not true.  A Lighthouse Casualty representative never responded to any of my phone calls because I was only able to speak with customer service representatives.  In addition, the procedures that they requested required me to take additional time off from work ( to get an adjustment from their body shop) which would have saved a lot of time and money if they would have told me within the first week of filing the claim that the driver was not covered under that particular policy.  After doing research about this company I knew the outcome would not be favorable based on all of the negative reviews and amount of rejected claims.  The way this company handles business transactions is unacceptable and extremely deceiving.  It should not have taken over 8 weeks from the date of the accident to report back to me that the driver was not insured and I just needed to go through my insurance company.  This could have been resolved at the time the claim was filed.   
Sincerely,
[redacted]

Thank you for the opportunity to respond to this complaint.Per the claim notes, the fault of this accident was inconclusive and became a case of one person's word versus the other; therefore the claim was denied. At this time, Lighthouse stands by its decision and the claim is closed. The...

complainant can go through their carrier and that carrier will subrogate on their end.Thank you again,Nick [redacted]

Many thanks to the complainant in providing his claim number. Unfortunately, with the original complaint, his last name had a typo, although it is entirely possible the error is on our end as well.I found the complainant in the database and please allow me to apologize on behalf of Lighthouse Casualty Company for the lack of communication and action that has occurred on his claim. I have notified the claim team of the situation and the adjuster will review the file. The complainant should hear from Lighthouse shortly. If he does not hear from the company by Wednesday, 03/15/17, at noon; he can feel free to contact me directly at n[redacted]@producersnational.com and I will be happy to follow up.Thank you again,[redacted]

The letters were sent on 06/06/17. The complainant should have the documents now and returned them to us so we may complete this claim.Thank you again,[redacted]