Lighthouse Casualty Company

Thank you for the opportunity to respond to this complaint.We can certainly understand the complainant's frustrationWhile we would like to have had this claim completed in a more timely manner, we are waiting on a response from the IL Secretary of State's officeWe have sent our letter twice to them and have not heard backWhile this can be a lengthy process, Lighthouse cannot complete its investigation until we receive this documentationLighthouse representatives have explained this to the complainant and she has said she understands, as noted in the claims notesWe apologize for the inconvenience.Thank you again, [redacted]

Thank you for the opportunity to respond to this complaintThe Lighthouse adjuster handling this file is very close to completing resolutionThere are many people involved in this accident and we are awaiting response from one last inusrerDue 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]

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

Thank yo for the opportunity to respond to this complaint.First, 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 complaint.Per the claim notes, I see that this claim was reported on 03/31/by the complainantPer IL Department of Insurance guidelines, Lighthouse has days to complete the claim, which we have attempted to doWhile Lighthouse is within this guidelines, please note that an offer had been made to the complainant on a few occasions, the most recent one was on 05/09/and she has refused all of themShe asked if we ordered a crash report, at that time, we had notWhen asked if she could supply one, the complainant said she had one but refused to send us a copy because it cost her $Our claims associate explained that we will order one and this will extend the processThe complainant had no issue with the extension so now we are awaiting the police report.Thank you again, [redacted]

I don't agree with the desicion that they made with my claim I will be getting a lawyer & fighting the caseLighthouse said that my car was not covered & I had paid them with debit card for my coverage for my car! They said that my car wasn't covered because when my insurance was paid on the same day & came out of my account, the same day! They said that they couldn't cover my car after the fact they already picked my car up & had examined the car! I never once through this whole claim talked to the adjuster of my case/claim, the people who I got my car through talked to them but they never once brought up the subject of not covering my car! I will not recommend this insurance company to anyone

Thank you for the opportunity to respond to this complaint.Per 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]

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

Many thanks to the complainant in providing his claim numberUnfortunately, 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 claimI have notified the claim team of the situation and the adjuster will review the fileThe complainant should hear from Lighthouse shortlyIf 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]

This complainant's estimate lists the framework as a concern to be closely investigated and that there may be a need for a supplemental estimate once the tear down is completeAt that time, the body shop will review any additional damages and send a revised estimate to the companyOur physical damage department will review the estimate and provide a response on the supplemental.As to the other complaints about our company process, this is part of our company policyIf the complainant would like to go through his own company and have them subrogate, he is able to do thatThis was discussed early on in the process with him.Thank you, [redacted]

Initial Business Response / [redacted] (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, 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 days of first reportOn February 12th, Ms [redacted] informed us that she would like to repair the vehicle at a different facilityWe voided the original payment, and she will call us back with the name of that facility so payment can be issued to them instead

Complaint: [redacted] I am rejecting this response because: I guess the Illinois Dept of Insurance is my next step tooI'm sorry but but when my truck was Tboned the other insurance company settled within weeks [redacted] ***

Thank you for the opportunity to respond to this complaintThe Lighthouse adjuster did speak with the complainant on 04/07/He provided her a status update and explained the process to herHe also explained to her that if we did not hear from our insured that this, per the policy, is a breach of contract and the claim would be deniedThe complainant then said she would get an attorney and the adjuster explained that this is our policy and an attorney would not help in this situationThe complainant then hung up the phone on the adjusterWe have ordered a police report, which it does not seem the complainant mentioned to the adjuster on 04/07/because he would have asked her for it, since she says she has one availableIf the complainant would be so kind as to send a scan of the police report to [redacted] ; we can then go ahead and move forward with the claim.Thank you, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/21) */ Thank you for the opportunity to respond to this complaint The Lighthouse adjuster, [redacted] discussed this claim with Ms [redacted] just yesterdayShe said she had a new estimate to send us and would fax it todayWe have not received this fax as of yet Originally, we asked the complainant to take the car to one of our preferred vendors, Auto BeautifiersThey returned an estimate and we made an offer to cover 50% of the chargesThe complainant declined the offerMr [redacted] then offered to cover 70% of the charges and she declined again She decided to take her vehicle to a body shop of her own choice and returned a higher amount estimate Mr [redacted] is awaiting yet another estimate and will make a decision at that timeHad the offers not been declined by the complainant, her car would have been repaired already and the claim closed Thank you, [redacted]

Thank you for the opportunity to respond to this complaint.I see from reviewing the claim notes that checks have been issued for the vehicle repairs, as of 06/13/The complainant requested that the check go directly to her house and we complied with this request.Thank you, [redacted]

Thank you for the opportunity to respond to this complaint.At 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]

The Lighthouse claims staff has again tried reaching our insured on this claim but to no availAt this time, the adjuster is waiting for approval to deny the claimThank you, [redacted]

Thank you for the opportunity to respond to this complaint.First, allow me to apologize on behalf of Lighthouse Casualty for the lack of attention to this claimWhile we are not in the business of dragging our feet, I feel we did just that this time and I will speak with the VP of Claims about this issueSecondly, I see from the notes that this vehicle is a total loss and the total loss team has been in touch with the complainant to discuss what happens next in this instanceA settlement offer is being processed and the complainant should hear from the adjuster early this weekI will discuss with the adjuster to ensure this occurs sooner rather than later.Thank you again, [redacted]

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

Complaint: [redacted] I am rejecting this response because: MY ORIGINAL RENTAL RECEIPTS WERE FAXED OVER ON APRIL 11, I NEVER RECEIVED A PHONE CALL OR EMAIL TO CONFIRM THEY WERE RECEIVED HOWEVER I HAVE MY CONFORMATION PAGE STATING THE COMPANY RECEIVED THEMI CALLED [redacted] ALMOST EVERY DAY FROM THIS POINT ON SIMPLY TRYING TO GET SOME CLAIRTY AS TO WHAT WAS GOING ON AFTER I FAXED THEMAFTER ABOUT WEEKS SHE FINALLY RETURNED MY PHONE CALL AND STATED SHE COULD NOT READ THEM COULD I EMAIL THEM TO HERAT THIS TIME I SENT HER A EMAIL AND IN MY EMAIL I ASKED HER TO CONFIRM THAT SHE RECEIVED THE EMAIL AND ASKED HER IF ANYTHING ELSE WAS NEEDEDAGAIN SHE NEVER RESPONDED TO MY EMAIL AND I CONTINUED TO CALL HER EVERY DAY LEAVING VOICE MESSAGES AND SHE NEVER RETURNED MY CALLIT WASNT UNTIL I EMAILED THE Revdex.com THAT I GOT A PHONE CALL STATING MY CHECK WAS IN THE MAILTHIS WAS ALMOST MONTHS OF ME CALLING AND EMAILING HERTHIS WAS UNACCEPTABLE FROM HER SHE COULD HAVE AT LEAST RETURNED MY CALLS OR EMAILS TO GIVE ME A STATUS AS TO WHAT WAS GOING ON OR IF SHE REQUIRED ANY ADDITIONAL INFORMATION INSTEAD I RECEIVED NOTHINGI DID FINALLY GET MY CHECK ON WEDNESDAY JUNE 7, Sincerely, [redacted]