Lighthouse Casualty Company

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 claim.Thank you,*** ***

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/While we agree that a timely resolution this claim would be in everyone's best interest, we have had some issues contacting the insuredAgain, I will ask the claims team to reach out to herLastly, per the guidelines set forth by the IL Department of Insurance, a company has business days to attempt the resolution of a claim on behalf of the claimantLighthouse is currently well within this timeline.Thank you,***

Ms*** claim was denied due to the fact that the vehicle she reported as stolen was actually driven with its set of keys. Her policy does not cover loss to a "vehicle reported as stolen if evidence exists that forcible entry was not required to gain access to the automobile, or if
evidence exists that keys were left in the automobile while it was unattended, or that no evidence exists that the ignition system was altered to operate the vehicle without keys". We regret that we were unable to pay her claim as a result, and we have sent a letter to Ms*** that explains the denial and refers her to the specific section of her policy that is quoted above

Thank you for the opportunity to respond to this complaint.After reviewing the notes, I see that this gentleman's claim is two weeks oldLighthouse did reach the insured on 11/Per our notes, the insured was going away for the holiday and would contact us upon her returnWe have not heard from
the insured but will have the adjuster reach out to her so that we may move forward with claim resolution.Thank you,Nick ***

Thank you for the opportunity to respond to this complaint, however, this complainant is attorney represented and our company cannot discuss claims involving legal action is a public forum.Thank you again,*** ***

Thank you for the opportunity to respond to this complaintPer the claim notes, a check was mailed to the complainant for her BI claimThe check date is 11/14/which means it was probably mailed todayWe hope this will provide a satisfactory outcome to the complainantThank
you,*** ***

Thank you for the opportunity to respond to this complaint.Per the claims notes, this complainant has been very aggressive to our employees when, in fact, a check was sent for repairs to the body shop back on February On March 6, he still hadn't taken his vehicle in to the body shop for repairs
One of our claims associate notes that, on this date, he began to scream at her from the moment she picked up the phone, she explained to him that he needed to calm down or she would disconnect the callShe explained that this claim had been settled and a check sent for damages to the body shopHe asked where his rental car was as there was none at the shopThe claims associate explained the rental reimbursement program to the complainant who, again, became agitated and started to yell at her about how the rental should be paid in fullShe advised him to stop yelling and he continued so she disconnected the callOn March 29, the adjuster contacted the complainant and told him we paid the body shop for the repairsHe began yelling at her saying he needs us to pay for the rentalShe explained to him the company rental reimbursement policy; he began screaming again and said he will sue her personally and will see her in courtAt this time, Lighthouse has done their part to settle this claimWe sent a check to the body shop for the repairs and the third party claimant need only take his vehicle to the shop and get it repairedIf the claimant would like to rent a vehicle, in accordance with the rental reimbursement guidelines, we would be happy to reimburse him when a receipt is submitted.Thank you again,*** ***

From reviewing the adjuster's notes, an offer was made on this claim as of 04/20/and Lighthouse is awaiting word from opposing counsel as to whether they decide to accept the offer or decline.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.Per the adjuster, Lighthouse spoke with the complainant on 01/26/We have established liability and we are moving forward with resolution of the claimOffers are going out and the claimant will be contacted with an update as well.Thank
you again,*** ***

Initial Business Response /* (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 complaint.The complainant is correct, we do have a police report however, due to coverage issues, we are still investigating this claimLighthouse apologizes if it is taking longer than anticipated but we are working toward the resolutionGetting no
cooperation from our insured would breach our policy and therefore we would be able to deny the claimWe ask that the complainant to be patient while we conduct a full investigation in to the coverage of the claim.Thank you again,*** ***

Thank you for the opportunity to respond to this complaint.On behalf of Lighthouse Casualty Company, allow me to apologize for the lack of response on our partPer the claim notes, I see that we are awaiting documents from our insured in order to move the claim forwardOnce received, we should be
able to resolve the claim in a timely mannerI will speak with the claim team to contact the insured and the claimant alike to provide updates.Thank you again,*** ***

Complaint: ***My son was driving my wife's car at the time of the accident,which is fully insuredWe have not accepting Lighthouses offer because it is over $ less than the auto shop bid to get it repairedWe have not turned the accident into our insurance because we do not believe we should have to pay our deductible when it was their insured's faultThe police and the insured both said it was the insured's fault for rear ending our carThe insured knew it was his fault that's why he left the accident before the police arrivedI talked to the illinois department of insurance, they said that lighthouse should paypercent of the claimThey are just trying to get out of payingI have called the adjuster multiple times, he never calls backThe only way he will call back is if I call *** *** (CEO) and leave a message Thanks for your help Revdex.comSincerely,
*** ***

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.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: Once again, the person writing the responses back from Lighthouse apparently is not reading the responses that I have left here. I have proof that their client is fully responsible for the accident and therefore lighthouse should be paying for 100% of the claim, not the lesser amount that was offered. When someone from Lighthouse calls me and we can discuss the corrected claim amount, only then will I decide if the complaint can be resolved. 
Sincerely,
[redacted]

Terrible to deal with - do not EVER return calls. Wait only until litigation occurs to consider payment. Not considered reputable by any standard agency.

Initial Business Response /* (1000, 5, 2015/05/19) */
Ms. [redacted] had an accident on 05/01/15 but the claim was not opened until 05/13/015. We do offer online Claim forms which can be filled out 24/7 at lighthousecasualty.com.
Our Claims Department has tried to contact Ms. [redacted] but the...

phone number she provided is disconnected.
Also, we apologize if she had some issues connecting with the company but we have just upgraded the number of our phone lines and are in the process of hiring staff to prevent this occurrence. Ms. [redacted] may contact her adjuster [redacted] at [redacted]@lighthousecasualty.com
Thank you,
[redacted]

My wife was involved in a car accident with someone who was insured by Lighthouse Casualty over a month ago. We submitted a claim with them immediately and have followed up nearly 10 times with no response. This is a total sham business and all consumers should avoid.

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

Complaint: [redacted]
I am rejecting this response because:i had my accident on march 6 2017 it took two weeks to even after contacting lighthouse. Their adjuster came out I was never called I kept calling was stalling first could not make offer they spoke with [redacted] their insured then finally after many phone calls [redacted] lied and stated I made an abrubt stop this was a lie I advised lighthouse police report means nothing. I have the email still with the unprofessional tone and manner I have had to endure. If you would like to see the email responses I have all of them. If lighthouse is going to pick and choose what I have said yes I contacted my insurance company for help because I would still be without transportation. I was never eber given any counter offer. It was take it or leave. So I left it. I want this on record exactly what happened and the poor service provided. They do not and are not the rating Revdex.com has for them.
Sincerely,
[redacted]