Thank you for your inquiry of September 18, [redacted] G [redacted] is disputing our denial of his no-fault benefits based on his failure to appear at his health service examinations of February 12, and March 28, 2014.Our review of the file reflects that in order to evaluate the full extent of Mr [redacted] 's injuries and the need for continued causally related treatments a Pain Management Health Service Examination was requestedBy way of a letter dated January 15, 2015, and mailed via UPS certified mail and regular mail to Mr [redacted] 's home address and to his attorney, The Law Office of [redacted] & [redacted] , the first medical examination was scheduled for February 12, with Ann M [redacted] , M.DOn January 31, 2014, Mr [redacted] called the vendor, Exam Works, and asked that the appointment be re-scheduledBy way of a letter dated February 20, 2014, and mailed via UPS certified mail and regular mail to the Mr[redacted] 's home address and The Law Office of [redacted] & [redacted] , the second medical examination was scheduled for March 28, The certified mail tracking numbers confirmed that both notices were successfully delivered.As required by NYS Regulation 68, GEICO afforded the claimant two separate and distinct opportunities to attend a reasonably requested medical examinationIn each instance the claimant was provided with sufficient notice of the examination and he was informed of his right to be reimbursed for lost wages and travel expenses.Pursuant to NYCRR 65-(Regulation 68), “No action shall lie against the Company unless, as a precedent thereto, there shall have been full compliance with the terms of this coverage." One such condition that an eligible injured person must comply with is an insurer's reasonable request for medical examinationAn eligible injured person's failure to comply with an insurer's request to appear for a medical examination precludes an action against an insurer in support of payment for the submitted health service claims, and no coverage is available for subsequent health service claimsAdams vAllstateA.D.2d (2nd Dep’t 1994).We feel we have handled the matter within the guidelines set forth in NYS Regulation 68.lf any additional information is needed, please contact Doreen B***, Claims Supervisor at ###-###-####.Very truly yours,Robert L***, CPCU No-Fault Director
Thank you for your follinquiry of September 30, 2015.Upon receipt of this follinquiry we were able to reach Mr [redacted] via email, as he is out of the country until October 23, In the spirit of excellent customer service we have agreed to cover previously denied bills, which was the basis of his dispute Since Mr [redacted] was not planning to resume any medical treatment under his no-fault claim, we have agreed that there is no need to schedule another independent health service examination Mr [redacted] was happy with the resolution.If any additional information is needed, please contact Doreen B***, Claims Supervisor at ###-###-####.Very truly yours,Robert L***, CPCUNo-Fault Director
We received your correspondence dated June 16, We have not included any personal identifying information in our response, as you requested.Our insured was originally insured with her spouse on a joint policy in Michigan with a [redacted] and a [redacted] Our insured purchased a separate Wyoming policy online for the [redacted] effective March 1, On March 26, 2016, our insured's spouse contacted us on their original, joint policyHe informed us that his spouse moved out of state, but he did not have a contact address for her, and asked to remove her vehicle from the policyWe were not aware of her other GEICO policy, and we moved her [redacted] to a new policy effective March 27, 2016, to prevent her from experiencing a lapse in insurance coverageWe also attempted to contact her to discuss her insurance status.Our insured called us back later on March 27, 2016, and informed us of the Wyoming GEICO policy she previously initiatedWe regret that we did not identify the duplication between the GEICO policy she established, and the GEICO policy we established on her behalf when her spouse asked us to remove her from their joint policy.Upon receipt of your inquiry, we spoke to our insured on June 16, We cancelled the policy we established retroactive to the date of inception, which eliminated the balance owed under that policyWe also removed the [redacted] from the original joint policy effective March 1, 2016, and applied a credit of $26,to her policy as a result.We spoke to our insured on June 16, 2016, and informed her of our handlingWe appreciate her patronage, and we regret the inconvenience she experiencedIf you have any additional questions or concerns regarding this issue, please feel free to contact Joy K [redacted] at ###-###-####,Sincerely,Don R [redacted] Regional Vice President
November 15, [redacted] Revdex.com of Metropolitan Washington DC K Street NW, 10th Floor Washington, DC 20005- Regarding: [redacted] Claim Number: [redacted] Revdex.com File Number: [redacted] Dear [redacted] : We have received your letter requesting additional assistance on behalf of [redacted] I assure [redacted] that we have provided her with all available information, explanations and reassurances in response to her concerns As mentioned in our previous responses, the coverages listed on [redacted] ’ California policy are in effect for her October 24, loss This decision represents GEICO’s final position on the matter If you have any additional questions, please contact my associate, Phillip K***, at ###-###-####, extension *** Sincerely, Maria S [redacted] Assistant Vice President GEICO General Insurance Company NAIC: ***
August 26, [redacted] Revdex.com K STNW, 10TH FLOOR WASHINGTON, DC 20005- Claim Number: 0432118500101025- Insured: [redacted] Date of Loss: August 1, Complainant: [redacted] File Number: [redacted] Dear Mr [redacted] : We are in receipt of your follow up letter received on August 21, Following the last letter received on August 13, 2015, Auto Damage Adjuster [redacted] C [redacted] called and spoke to Mr [redacted] about his paymentMr [redacted] asked that the check be made payable to him and [redacted] *MrC [redacted] did stop the original payment and reissued the checkOn receipt of this letter, MrC [redacted] contacted Mr [redacted] to verify he would like the last check issued, stopped and reissued copayable to Mr [redacted] and lien holder, [redacted] Financial ServicesMr [redacted] confirmed in his follow up letterA new check was issued on August 21, and mailed to Mr*** Mr [redacted] has the right to have his vehicle repaired at his shop of choiceHis policy allows for the use of like kind and quality parts under Part D Section Fof his policyGEICO will guarantee the after-market parts on Mr***’s estimate for fit and quality for as long as he owns his vehicle Thank you for the opportunity to address your inquiryPlease let us know if you need anything further Sincerely, Joseph RT [redacted] Virginia Beach Regional Office GEICO Casualty Insurance Company NAIC #
October 19, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Attention: [redacted] Re: [redacted] Case ID: [redacted] Policy#: [redacted] Dear [redacted] : This will acknowledge receipt of your October 4, inquiry regarding the above referenced private passenger automobile insurance policy The above referenced policy renewed effective October 16, The insured has elected a monthly payment plan optionThe 1st payment for policies on the monthly payment plan is due one month before the policy effective date and subsequently each month thereafter 16.66% of the policy is dueThe purpose of paying the policy ahead is to maintain equity on the accountThis will ensure that if a payment is missed or postponed there is still equity remaining on the policy to extend coverageThis will allow the customer leverage to pay at a later date without immediate termination of the policy for non-payment The renewal bill issued to the insured on September 1, was for the amount of $This bill included a pro-rated balance of $for an endorsement that was processed effective August 9, Enclosed is a copy of the bill sent to the insured for the renewal as well as an itemized statement of accounts Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record If you require further assistance with this matter, please contact the undersigned at ###-###-#### Sincerely, Scott D [redacted] Executive Office Enclosures
I would like to close this case tooI earnestly believe that soon there will be satisfactory resolutions to the unresolved concerns Through our series of correspondence we have both agreed that there was lapse on part of GEICO and GEICO neglected my concern for days even after relentless persuasion from my sideThe matter was expedited only when Revdex.com intervened in this caseWe have also come to a conclusion that it had financial implication on me My understanding from a layman’s perspective is that if mistake is made by any provider which results in financial loss, the customer should be lawfully compensatedThis is followed by all entities and there are numerous examples I firmly believe that we will find a common ground and can settle this issue in this forum without looking outside this forum Thank you, [redacted] CC: [redacted] ***, Frisco, TX Texas Department of Insurance Complaint Resolution, Mail Code 111-1A PO Box [redacted] Austin TX 78714-
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:I did ask for an independent look into my information, not to send my response back to the business only to be told the same information in another wayI would like an independent look at my car insurance I feel there is something in my record that's not accurate making it so high.Regards, [redacted] ***
Don R [redacted] Regional Vice President April 7, VIA PORTAL Revdex.com Serving Metro Washington DC & Eastern Pennsylvania ATTN: [redacted] K StNW, 10th Floor Washington DC 20005-RE: File Number: [redacted] Dear [redacted] , We received your correspondence dated April 3, We have not included any personal identifying information on our response, as you requested The consumer has been a valued customer with us since March 24, 2006, and we are grateful for their patronage Unfortunately, we have seen a rise in the frequency of accidents and an increase in the average amount paid to cover these claims Despite our efforts to combat these changes, it has been necessary for us to review and adjust our rates One of our goals is to offer the most appropriate rate that will guarantee our ability to protect our insureds should they incur a loss While renewal premiums have increased due to the rate revisions, a surcharge has never been applied to this policy Our insured incurred a loss on June 3, However, the loss was determined to be a not-at-fault loss The consumer contends we incorrectly listed his claims as at-fault on a Comprehensive Loss Underwriting Exchange (CLUE) report Our reports to CLUE indicate coverages and payout amounts, but GEICO does not report fault to CLUE As a result, insurers that elect to use CLUE data decide how to interpret the CLUE data to impute fault On March 31, 2017, the consumer contacted our Customer Service department, alleged we reported incorrect information, and requested we correct his CLUE report We agreed to review the consumer’s CLUE data and correct any discrepancies Our records do not indicate that we declined to provide a synopsis of our findingsAfter review of the consumer’s CLUE report, we concluded that, since the report does not denote fault, our reporting of the coverage and payment amounts was accurate We did note that the consumer’s CLUE report incorrectly appeared as “open,” rather than “closed.” We sent a request to [redacted] , the company that maintains the CLUE database, requesting they update the consumer’s data to show all of his claims are closedWe regret if other insurers chose to treat the consumer’s accidents as at-fault accidentsThis letter should serve as confirmation for any potential insurer that the losses listed in our insured’s CLUE reports were not-at-fault lossesIf you have any further questions, please contact Gail M [redacted] at ###-###-####, fax at ###-###-####, or [redacted] @geico.comSincerely, Don R [redacted] Regional Vice President
We are in receipt of your complaint dated August 1, 2016, regarding the above-noted ConsumerWe have not included any personally-identifying information in our response, as you requested-Our insured's vehicle was stolen on November 5, We inspected the vehicle on November 16, On November 17, 2015, we issued a check to our insured for $200, which represented his policy limit for personal belongings stolen during a total theft of his vehicleWhile our insured indicates our adjuster informed him [redacted] was not in business, [redacted] is a partner repair facility in our GEICO Auto Repair Xpress programThe adjuster who spoke to [redacted] is no longer employed by GEICO, so we are unable to obtain more information to understand the miscommunication that OCCurred.The repairs to our insured's vehicle took longer than his shop anticipatedWe worked with our insured and [redacted] to complete supplemental estimates to pay for additional damages discovered as the repair progressedRepairs were finally completed on February 22, After our insured retrieved the vehicle, he was dissatisfied with the repairs, and we issued another payment on February 29, 2016, to pay for additional repairsOur insured remained dissatisfied with his repairs, and we suggested he return to his repair shop for diagnosis and repair,Given the continued concerns with the vehicle's repairs, and the ongoing nature of electrical problems since the loss, we agreed to consider our insured's vehicle a total lossWe reached an agreed settlement with our insured, and made payment for the value of his vehicle on August 3, Charlie S***, Auto Damage Manager, contacted our insured after settlement, and confirmed that he has no lingering concernsSince we previously paid our insured's $policy limit for personal belongings, we are unable to assist our insured in the payment of items stolen with his vehicle, or stolen by his repair facility.We sincerely regret any inconvenience our insured experienced during our handling of his claimWe believe this matter is now resolvedIf you have any additional questions, please contact Charlie S***, Auto Damage Manager, at ###-###-####, or via email at [redacted] @geico.com.Sincerely,Don R [redacted] Regional Vice President
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 I am still waiting to see the repairs that will be made One of the issues that was found was that the bumper that was ordered by [redacted] and attached to my car was a bumper for a car that was assembled in Canada and not in Japan where my car was assembled We requested that the wrong bumper be removed and whatever modifications that was done to my car be repaired and the correct part be ordered and put on my car The car is currently being disassembled and accessed further in regards to additional errors and damages made to my car that [redacted] did in their attempts to repair my car Regards, [redacted] - [redacted]
December 29, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K StNW, 10th floor P.OBox Washington, DC 20005- Attention: [redacted] RE: CASE NUMBER: [redacted] COMPLAINANT: [redacted] CLAIM NUMBER: [redacted] DATE OF LOSS: December 14, COMPANY: GEICO General Insurance Company Dear Ms [redacted] : Thank you for your letter dated December 23, regarding our insured [redacted] On December 14, 2016, Mrs [redacted] was involved in a [redacted] with another vehicle while exiting a mall parking lotThe vehicle was safe to operate from the scene and an inspection was scheduled for December 19, at 11:30am Mrs [redacted] and another gentleman arrived on time for their 11:30am appointment and checked in with the front counterUnfortunately, there was a breakdown of communication and our adjuster, James Foster, was not notified of their arrivalIn the interim another appointment called and advised they had gone to the wrong location and were on their way but they may be a little lateOur claims adjuster and shop personal greeted the later appointment and handled the process as per our guidelines After handing off the later customer to [redacted] Rent-A-Car, James F [redacted] and Auto Damage Supervisor Matthew S [redacted] were confronted by the gentleman accompanying Mrs [redacted] He did not provide his name and asked if they were with GEICOAfter replying yes, he stated he had been waiting for minutes to be seenIt was unknown to our staff Mrs [redacted] had been waitingMrS [redacted] apologized to the gentleman, advised MrF [redacted] had everything he needed and he would write the estimate immediatelyMrs [redacted] ’s vehicle was inspected by MrF [redacted] and he wrote an estimate for the visible damages only including the replacement of the front bumper cover and a repair to the right fender After the inspection was complete MrF [redacted] presented Mrs [redacted] with a copy of the estimate for repairs with an estimated cost of $1,As the vehicle in question has a lienholder, payment less a $1,deductible in the amount of $was issued to [redacted] and North Park [redacted] North Park [redacted] was named as the body shop of choice by [redacted] At the time of inspection, Mrs [redacted] questioned the cost of repair, but accepted the estimate and the payment On December 20, 2016, Mrs [redacted] sent in an internet inquiry stating she would not accept the estimateMrS [redacted] attempted to contact Mrs [redacted] unsuccessfully and left a detailed message including his contact information and a request to return his callHe did not receive a call backLater that afternoon Mrs [redacted] returned to [redacted] , and returned the estimate and the payment to James F [redacted] and left the building On December 27, 2016, MrS [redacted] attempted to make contact with Mrs [redacted] again and was unsuccessfulHe left another detailed message explaining he would like to resolve her concernsHe offered to re-inspect the vehicle, but needed details on the body shop where the vehicle will be repairedWe still have not received a call backAfter reviewing the claim notes we noticed another internet inquiry was sent in advising Mrs [redacted] ’s vehicle was being brought to a repair shop on December 27, MrS [redacted] then sent an e-mail to the e-mail address on file to determine Mrs [redacted] 's repair shop information, so we can resolve any concerns regarding the repair estimateWe still have not received a reply We would like to acknowledge and apologize for the delay experienced by Mrs [redacted] during the initial inspection processWe have reviewed our initial inspection photos and believe that the estimate of record is complete and accurate based upon our initial visible inspectionIf additional damage is found and verified by us as being loss related we would be more than willing to review such items with Mrs [redacted] ’s repair facility of choiceAny verified additional loss related damages will be addressed on a supplement inspectionOnce Mrs [redacted] notifies us of whom she would like payment to be issued to we will reissue the payment in the amount of $and any additional supplement damages found as a two party check If there are any additional questions, please feel free to contact Claims Manager Kelly R [redacted] at ###-###-#### Sincerely, Paul M [redacted] Assistant Vice President
NOVEMBER 20, 2015Revdex.com OF METRO WASHINGTON DC & EASTERN PENNSYLVANIA K StNW, 10th FloorWASHINGTON, DC 20005-3404Attn [redacted] RE: COMPLAINT ID# [redacted] COMPLAINANT [redacted] M [redacted] OURCLAIM #: [redacted] OUR INSURED: [redacted] M [redacted] LOSS Date: March 11, 2015Dear Mr [redacted] ,Thank you for your letter of inquiry dated November 13, 2015.On March 11, Mr [redacted] 's vehicle incurred damage to both sides of his vehicle due to an intersectional side swipe in which the vehicle temporarily rolled up onto its side and then back to resting position.After completion of repairs in April 2015, according to Mr [redacted] the vehicle was brought back to the body shop of choice twice to address an issue of condensation appearing on the carpets in the front of the vehicleThe body shop of choice advised both times that the issue was corrected.On October 15, Mr [redacted] called in advising that he was having trouble with his vehicle and had the vehicle towed to a different shop of choiceThe second shop advised Mr [redacted] that the reason his vehicle had stalled was due to a crack in the transmission coolerMr [redacted] authorized the replacement of the part and once repairs were completed he made contacted our Auto Damage Supervisor, Curtis E [redacted] to request reimbursement for the repair.The transmission cooler is located in the frontend of the vehicle and is a part of a closed tubular metal systemThis cooler could not have been damaged as a result of the original accident on March 11, as the damage from that accident was contained to the sides of the VehicleBased on the time lapse from initial accident to now, and the location of the transmission cooler this damage could not have been form the original accidentWe have advised Mr [redacted] that we cannot reimburse him for the transmission cooler repair as it is not related to the original accident.\lf any additional information is needed please contact Jenna W***, Consumer Relations Administrator at ###-###-#### or [redacted] .Sincerely,Pionne C [redacted] Assistant Vice President
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I never SIGNED for these letters you speak of and Attorney [redacted] will attest that he is and was never retained by me as my attorney If letters were sent to Attorney [redacted] , I was not given them.I can attend any examination between October 26th through October 31st, 2015, if that is what is required to make good on the No Fault payment of these bills I requested a rescheduling of the first exam because of military training with the US Army Reserve.I am out of the U.Son business until October 23rd, 2015.Please schedule an exam anytime, anyplace within two hours of my home at [redacted] ***, Oneonta, NY between October 26th-October 31st and I will be glad to attend.Thank You Regards, [redacted] Jr
We are in receipt of your second follow up letter received on May 10, This letter is in response to your inquiry.A GEICO supervisor reinspected Mr [redacted] ’s motorcycle after the repairs were completed on Monday, May 16, GEICO agreed to repair an additional chip in the fuel tank and fairing, GEICO is finalizing supplemental damage amount when the repair facility employee returns MondayMr [redacted] is satisfied with the outcome and understands the next steps in the process.Thank you for the opportunity to address your inquiryPlease let us know if you need anything further.Sincerely,Matthew LM [redacted]
Dear Ms [redacted] : Thank you for your recent inquiryClaims Supervisor Christopher B [redacted] attempted to reach Ms [redacted] to discuss her concerns, but was only able to leave a voicemail Because Ms [redacted] started her policy with us shortly before the damage is said to have occurred, we are gathering additional information to independently confirm the date of lossOnce our investigation is complete, we will inform Ms [redacted] whether or not we are able to provide coverage for the damages that she is claiming If you have any questions, please contact Nalini K [redacted] Claims Manager, at ###-###-#### Sincerely, JLee M [redacted] Jr Assistant Vice President, Claims
April 7, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th floor Washington DC 20005- VIA FACSIMILE: [redacted] RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***-GEICO Indemnity Dear [redacted] : This is in response to your request for additional information dated April 7, If [redacted] obtained other coverage prior to August 18, 2016, she can send in a copy of her Declarations Page to review backdating the cancellation of the policy to the start date of her new policyThis information can be faxed to ###-###-#### or emailed to [redacted] @geico.com I apologize for any inconvenience or frustration this situation has caused and hope this information will assist you in resolving this issueIf additional information is required, please contact Chelsea G [redacted] at ###-###-#### Her office hours are Monday through Friday, 7:a.mto 3:p.mEST Sincerely, John *L [redacted] AVP, Underwriting
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I am looking right now at my [redacted] and my insurance card says August I got insurance with [redacted] ***How do I send a copy? What else do I need to send? Regards, [redacted]
We are in receipt Mr [redacted] rejection of our May 18, response.As our prior response indicated Mr [redacted] was sent a Consent to Rate (CTR) form on October 17, and again on March 14, We are including copies of both of these letters for Mr [redacted] to review,We are required by the state of North Carolina to offer liability coverageNorth Carolina does not require that vehicles carry physical damage coverage, this requirement is made by the lienholderIt is the consumer’s responsibility to ensure their vehicle is insured with physical damage coverage while being financedWhen Mr [redacted] failed to sign and return the CTR form we could no longer offer physical damage coverage and as a result this coverage was removed.A review of Mr [redacted] ’ policy reflects physical damage coverage was removed effective April 17, 2014; therefore we will maintain our position that coverage was not in place at the time of loss on July 26, 2014.If we can provide any additional assistance, please contact Kim G***, at ###-###-####, extension 7701.Sincerely,Andrea B [redacted] Virginia Beach Regional Office GEICO Indemnity Insurance Company
July 27, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th floor P.OBox Washington, DC 20005- Attention: [redacted] RE: CASE NUMBER: [redacted] COMPLAINANT: [redacted] CLAIM NUMBER: [redacted] DATE OF LOSS: September 28, COMPANY: Government Employees Insurance Company Dear [redacted] : This letter is in response to your correspondence dated July 20, This loss is a lane change dispute The only evidence available to GEICO was recorded statements from both parties involved There were no witnesses who came forward, and the police did not investigate the loss The accident occurred on Corporate Drive near Interstate [redacted] in Lewisville, Texas The road is four lanes, two in each directionThe right lane ends as it approaches the highway and becomes a turn only laneThe left lane is a straight only lane [redacted] advised he was traveling in the right lane and the other vehicle was behind him He stated he turned on his left blinker and began to change lanes when the impact occurredHe said the other driver must have moved into the lane just before or at the same time he was changing lanes, sped up and struck the driver's side rear of his vehicle when he was in the process of changing lanes The other driver’s version indicates he had always been traveling in the left laneHe stated he was driving forward when he saw [redacted] in a lane which became a right turn only At that time, he advised [redacted] came into his lane causing the accident We estimated and photographed both vehicles involvedThe other driver’s damages are located on the passenger’s side front fender near the wheel-well and along the passenger side running board The majority of damage to [redacted] ***’ vehicle is on the driver side near the bed of the truck and cab, not the rear as his statement indicatedThe damages are not indicative of a rear-end loss as described by [redacted] *** The damages suggest the other driver was next to [redacted] and [redacted] struck the other driver while he was already established in the left lane Due to the statements given to us as well as the damages, we found [redacted] *** responsible for the loss and paid for the other party’s damages GEICO advised [redacted] on October 1, of the liability decision in regard to this claim We also spoke to [redacted] on November 16, and advised her of the liability decision as well [redacted] contacted his adjuster on July 19, [redacted] ***’ call was returned on the 19th and he was advised of our liability decision We called and left a message for [redacted] to further discuss the investigation and decision on July 20, We spoke with [redacted] on July 25, and explained our liability decision If you have any questions, please contact Claims Manager Emily R [redacted] at ###-###-####Sincerely, Paul M [redacted] Assistant Vice President
Thank you for your inquiry of September 18, [redacted] G [redacted] is disputing our denial of his no-fault benefits based on his failure to appear at his health service examinations of February 12, and March 28, 2014.Our review of the file reflects that in order to evaluate the full extent of Mr [redacted] 's injuries and the need for continued causally related treatments a Pain Management Health Service Examination was requestedBy way of a letter dated January 15, 2015, and mailed via UPS certified mail and regular mail to Mr [redacted] 's home address and to his attorney, The Law Office of [redacted] & [redacted] , the first medical examination was scheduled for February 12, with Ann M [redacted] , M.DOn January 31, 2014, Mr [redacted] called the vendor, Exam Works, and asked that the appointment be re-scheduledBy way of a letter dated February 20, 2014, and mailed via UPS certified mail and regular mail to the Mr[redacted] 's home address and The Law Office of [redacted] & [redacted] , the second medical examination was scheduled for March 28, The certified mail tracking numbers confirmed that both notices were successfully delivered.As required by NYS Regulation 68, GEICO afforded the claimant two separate and distinct opportunities to attend a reasonably requested medical examinationIn each instance the claimant was provided with sufficient notice of the examination and he was informed of his right to be reimbursed for lost wages and travel expenses.Pursuant to NYCRR 65-(Regulation 68), “No action shall lie against the Company unless, as a precedent thereto, there shall have been full compliance with the terms of this coverage." One such condition that an eligible injured person must comply with is an insurer's reasonable request for medical examinationAn eligible injured person's failure to comply with an insurer's request to appear for a medical examination precludes an action against an insurer in support of payment for the submitted health service claims, and no coverage is available for subsequent health service claimsAdams vAllstateA.D.2d (2nd Dep’t 1994).We feel we have handled the matter within the guidelines set forth in NYS Regulation 68.lf any additional information is needed, please contact Doreen B***, Claims Supervisor at ###-###-####.Very truly yours,Robert L***, CPCU No-Fault Director
Thank you for your follinquiry of September 30, 2015.Upon receipt of this follinquiry we were able to reach Mr [redacted] via email, as he is out of the country until October 23, In the spirit of excellent customer service we have agreed to cover previously denied bills, which was the basis of his dispute Since Mr [redacted] was not planning to resume any medical treatment under his no-fault claim, we have agreed that there is no need to schedule another independent health service examination Mr [redacted] was happy with the resolution.If any additional information is needed, please contact Doreen B***, Claims Supervisor at ###-###-####.Very truly yours,Robert L***, CPCUNo-Fault Director
We received your correspondence dated June 16, We have not included any personal identifying information in our response, as you requested.Our insured was originally insured with her spouse on a joint policy in Michigan with a [redacted] and a [redacted] Our insured purchased a separate Wyoming policy online for the [redacted] effective March 1, On March 26, 2016, our insured's spouse contacted us on their original, joint policyHe informed us that his spouse moved out of state, but he did not have a contact address for her, and asked to remove her vehicle from the policyWe were not aware of her other GEICO policy, and we moved her [redacted] to a new policy effective March 27, 2016, to prevent her from experiencing a lapse in insurance coverageWe also attempted to contact her to discuss her insurance status.Our insured called us back later on March 27, 2016, and informed us of the Wyoming GEICO policy she previously initiatedWe regret that we did not identify the duplication between the GEICO policy she established, and the GEICO policy we established on her behalf when her spouse asked us to remove her from their joint policy.Upon receipt of your inquiry, we spoke to our insured on June 16, We cancelled the policy we established retroactive to the date of inception, which eliminated the balance owed under that policyWe also removed the [redacted] from the original joint policy effective March 1, 2016, and applied a credit of $26,to her policy as a result.We spoke to our insured on June 16, 2016, and informed her of our handlingWe appreciate her patronage, and we regret the inconvenience she experiencedIf you have any additional questions or concerns regarding this issue, please feel free to contact Joy K [redacted] at ###-###-####,Sincerely,Don R [redacted] Regional Vice President
November 15, [redacted] Revdex.com of Metropolitan Washington DC K Street NW, 10th Floor Washington, DC 20005- Regarding: [redacted] Claim Number: [redacted] Revdex.com File Number: [redacted] Dear [redacted] : We have received your letter requesting additional assistance on behalf of [redacted] I assure [redacted] that we have provided her with all available information, explanations and reassurances in response to her concerns As mentioned in our previous responses, the coverages listed on [redacted] ’ California policy are in effect for her October 24, loss This decision represents GEICO’s final position on the matter If you have any additional questions, please contact my associate, Phillip K***, at ###-###-####, extension *** Sincerely, Maria S [redacted] Assistant Vice President GEICO General Insurance Company NAIC: ***
August 26, [redacted] Revdex.com K STNW, 10TH FLOOR WASHINGTON, DC 20005- Claim Number: 0432118500101025- Insured: [redacted] Date of Loss: August 1, Complainant: [redacted] File Number: [redacted] Dear Mr [redacted] : We are in receipt of your follow up letter received on August 21, Following the last letter received on August 13, 2015, Auto Damage Adjuster [redacted] C [redacted] called and spoke to Mr [redacted] about his paymentMr [redacted] asked that the check be made payable to him and [redacted] *MrC [redacted] did stop the original payment and reissued the checkOn receipt of this letter, MrC [redacted] contacted Mr [redacted] to verify he would like the last check issued, stopped and reissued copayable to Mr [redacted] and lien holder, [redacted] Financial ServicesMr [redacted] confirmed in his follow up letterA new check was issued on August 21, and mailed to Mr*** Mr [redacted] has the right to have his vehicle repaired at his shop of choiceHis policy allows for the use of like kind and quality parts under Part D Section Fof his policyGEICO will guarantee the after-market parts on Mr***’s estimate for fit and quality for as long as he owns his vehicle Thank you for the opportunity to address your inquiryPlease let us know if you need anything further Sincerely, Joseph RT [redacted] Virginia Beach Regional Office GEICO Casualty Insurance Company NAIC #
October 19, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Attention: [redacted] Re: [redacted] Case ID: [redacted] Policy#: [redacted] Dear [redacted] : This will acknowledge receipt of your October 4, inquiry regarding the above referenced private passenger automobile insurance policy The above referenced policy renewed effective October 16, The insured has elected a monthly payment plan optionThe 1st payment for policies on the monthly payment plan is due one month before the policy effective date and subsequently each month thereafter 16.66% of the policy is dueThe purpose of paying the policy ahead is to maintain equity on the accountThis will ensure that if a payment is missed or postponed there is still equity remaining on the policy to extend coverageThis will allow the customer leverage to pay at a later date without immediate termination of the policy for non-payment The renewal bill issued to the insured on September 1, was for the amount of $This bill included a pro-rated balance of $for an endorsement that was processed effective August 9, Enclosed is a copy of the bill sent to the insured for the renewal as well as an itemized statement of accounts Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record If you require further assistance with this matter, please contact the undersigned at ###-###-#### Sincerely, Scott D [redacted] Executive Office Enclosures
I would like to close this case tooI earnestly believe that soon there will be satisfactory resolutions to the unresolved concerns Through our series of correspondence we have both agreed that there was lapse on part of GEICO and GEICO neglected my concern for days even after relentless persuasion from my sideThe matter was expedited only when Revdex.com intervened in this caseWe have also come to a conclusion that it had financial implication on me My understanding from a layman’s perspective is that if mistake is made by any provider which results in financial loss, the customer should be lawfully compensatedThis is followed by all entities and there are numerous examples I firmly believe that we will find a common ground and can settle this issue in this forum without looking outside this forum Thank you, [redacted] CC: [redacted] ***, Frisco, TX Texas Department of Insurance Complaint Resolution, Mail Code 111-1A PO Box [redacted] Austin TX 78714-
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:I did ask for an independent look into my information, not to send my response back to the business only to be told the same information in another wayI would like an independent look at my car insurance I feel there is something in my record that's not accurate making it so high.Regards, [redacted] ***
Don R [redacted] Regional Vice President April 7, VIA PORTAL Revdex.com Serving Metro Washington DC & Eastern Pennsylvania ATTN: [redacted] K StNW, 10th Floor Washington DC 20005-RE: File Number: [redacted] Dear [redacted] , We received your correspondence dated April 3, We have not included any personal identifying information on our response, as you requested The consumer has been a valued customer with us since March 24, 2006, and we are grateful for their patronage Unfortunately, we have seen a rise in the frequency of accidents and an increase in the average amount paid to cover these claims Despite our efforts to combat these changes, it has been necessary for us to review and adjust our rates One of our goals is to offer the most appropriate rate that will guarantee our ability to protect our insureds should they incur a loss While renewal premiums have increased due to the rate revisions, a surcharge has never been applied to this policy Our insured incurred a loss on June 3, However, the loss was determined to be a not-at-fault loss The consumer contends we incorrectly listed his claims as at-fault on a Comprehensive Loss Underwriting Exchange (CLUE) report Our reports to CLUE indicate coverages and payout amounts, but GEICO does not report fault to CLUE As a result, insurers that elect to use CLUE data decide how to interpret the CLUE data to impute fault On March 31, 2017, the consumer contacted our Customer Service department, alleged we reported incorrect information, and requested we correct his CLUE report We agreed to review the consumer’s CLUE data and correct any discrepancies Our records do not indicate that we declined to provide a synopsis of our findingsAfter review of the consumer’s CLUE report, we concluded that, since the report does not denote fault, our reporting of the coverage and payment amounts was accurate We did note that the consumer’s CLUE report incorrectly appeared as “open,” rather than “closed.” We sent a request to [redacted] , the company that maintains the CLUE database, requesting they update the consumer’s data to show all of his claims are closedWe regret if other insurers chose to treat the consumer’s accidents as at-fault accidentsThis letter should serve as confirmation for any potential insurer that the losses listed in our insured’s CLUE reports were not-at-fault lossesIf you have any further questions, please contact Gail M [redacted] at ###-###-####, fax at ###-###-####, or [redacted] @geico.comSincerely, Don R [redacted] Regional Vice President
We are in receipt of your complaint dated August 1, 2016, regarding the above-noted ConsumerWe have not included any personally-identifying information in our response, as you requested-Our insured's vehicle was stolen on November 5, We inspected the vehicle on November 16, On November 17, 2015, we issued a check to our insured for $200, which represented his policy limit for personal belongings stolen during a total theft of his vehicleWhile our insured indicates our adjuster informed him [redacted] was not in business, [redacted] is a partner repair facility in our GEICO Auto Repair Xpress programThe adjuster who spoke to [redacted] is no longer employed by GEICO, so we are unable to obtain more information to understand the miscommunication that OCCurred.The repairs to our insured's vehicle took longer than his shop anticipatedWe worked with our insured and [redacted] to complete supplemental estimates to pay for additional damages discovered as the repair progressedRepairs were finally completed on February 22, After our insured retrieved the vehicle, he was dissatisfied with the repairs, and we issued another payment on February 29, 2016, to pay for additional repairsOur insured remained dissatisfied with his repairs, and we suggested he return to his repair shop for diagnosis and repair,Given the continued concerns with the vehicle's repairs, and the ongoing nature of electrical problems since the loss, we agreed to consider our insured's vehicle a total lossWe reached an agreed settlement with our insured, and made payment for the value of his vehicle on August 3, Charlie S***, Auto Damage Manager, contacted our insured after settlement, and confirmed that he has no lingering concernsSince we previously paid our insured's $policy limit for personal belongings, we are unable to assist our insured in the payment of items stolen with his vehicle, or stolen by his repair facility.We sincerely regret any inconvenience our insured experienced during our handling of his claimWe believe this matter is now resolvedIf you have any additional questions, please contact Charlie S***, Auto Damage Manager, at ###-###-####, or via email at [redacted] @geico.com.Sincerely,Don R [redacted] Regional Vice President
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 I am still waiting to see the repairs that will be made One of the issues that was found was that the bumper that was ordered by [redacted] and attached to my car was a bumper for a car that was assembled in Canada and not in Japan where my car was assembled We requested that the wrong bumper be removed and whatever modifications that was done to my car be repaired and the correct part be ordered and put on my car The car is currently being disassembled and accessed further in regards to additional errors and damages made to my car that [redacted] did in their attempts to repair my car Regards, [redacted] - [redacted]
December 29, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K StNW, 10th floor P.OBox Washington, DC 20005- Attention: [redacted] RE: CASE NUMBER: [redacted] COMPLAINANT: [redacted] CLAIM NUMBER: [redacted] DATE OF LOSS: December 14, COMPANY: GEICO General Insurance Company Dear Ms [redacted] : Thank you for your letter dated December 23, regarding our insured [redacted] On December 14, 2016, Mrs [redacted] was involved in a [redacted] with another vehicle while exiting a mall parking lotThe vehicle was safe to operate from the scene and an inspection was scheduled for December 19, at 11:30am Mrs [redacted] and another gentleman arrived on time for their 11:30am appointment and checked in with the front counterUnfortunately, there was a breakdown of communication and our adjuster, James Foster, was not notified of their arrivalIn the interim another appointment called and advised they had gone to the wrong location and were on their way but they may be a little lateOur claims adjuster and shop personal greeted the later appointment and handled the process as per our guidelines After handing off the later customer to [redacted] Rent-A-Car, James F [redacted] and Auto Damage Supervisor Matthew S [redacted] were confronted by the gentleman accompanying Mrs [redacted] He did not provide his name and asked if they were with GEICOAfter replying yes, he stated he had been waiting for minutes to be seenIt was unknown to our staff Mrs [redacted] had been waitingMrS [redacted] apologized to the gentleman, advised MrF [redacted] had everything he needed and he would write the estimate immediatelyMrs [redacted] ’s vehicle was inspected by MrF [redacted] and he wrote an estimate for the visible damages only including the replacement of the front bumper cover and a repair to the right fender After the inspection was complete MrF [redacted] presented Mrs [redacted] with a copy of the estimate for repairs with an estimated cost of $1,As the vehicle in question has a lienholder, payment less a $1,deductible in the amount of $was issued to [redacted] and North Park [redacted] North Park [redacted] was named as the body shop of choice by [redacted] At the time of inspection, Mrs [redacted] questioned the cost of repair, but accepted the estimate and the payment On December 20, 2016, Mrs [redacted] sent in an internet inquiry stating she would not accept the estimateMrS [redacted] attempted to contact Mrs [redacted] unsuccessfully and left a detailed message including his contact information and a request to return his callHe did not receive a call backLater that afternoon Mrs [redacted] returned to [redacted] , and returned the estimate and the payment to James F [redacted] and left the building On December 27, 2016, MrS [redacted] attempted to make contact with Mrs [redacted] again and was unsuccessfulHe left another detailed message explaining he would like to resolve her concernsHe offered to re-inspect the vehicle, but needed details on the body shop where the vehicle will be repairedWe still have not received a call backAfter reviewing the claim notes we noticed another internet inquiry was sent in advising Mrs [redacted] ’s vehicle was being brought to a repair shop on December 27, MrS [redacted] then sent an e-mail to the e-mail address on file to determine Mrs [redacted] 's repair shop information, so we can resolve any concerns regarding the repair estimateWe still have not received a reply We would like to acknowledge and apologize for the delay experienced by Mrs [redacted] during the initial inspection processWe have reviewed our initial inspection photos and believe that the estimate of record is complete and accurate based upon our initial visible inspectionIf additional damage is found and verified by us as being loss related we would be more than willing to review such items with Mrs [redacted] ’s repair facility of choiceAny verified additional loss related damages will be addressed on a supplement inspectionOnce Mrs [redacted] notifies us of whom she would like payment to be issued to we will reissue the payment in the amount of $and any additional supplement damages found as a two party check If there are any additional questions, please feel free to contact Claims Manager Kelly R [redacted] at ###-###-#### Sincerely, Paul M [redacted] Assistant Vice President
NOVEMBER 20, 2015Revdex.com OF METRO WASHINGTON DC & EASTERN PENNSYLVANIA K StNW, 10th FloorWASHINGTON, DC 20005-3404Attn [redacted] RE: COMPLAINT ID# [redacted] COMPLAINANT [redacted] M [redacted] OURCLAIM #: [redacted] OUR INSURED: [redacted] M [redacted] LOSS Date: March 11, 2015Dear Mr [redacted] ,Thank you for your letter of inquiry dated November 13, 2015.On March 11, Mr [redacted] 's vehicle incurred damage to both sides of his vehicle due to an intersectional side swipe in which the vehicle temporarily rolled up onto its side and then back to resting position.After completion of repairs in April 2015, according to Mr [redacted] the vehicle was brought back to the body shop of choice twice to address an issue of condensation appearing on the carpets in the front of the vehicleThe body shop of choice advised both times that the issue was corrected.On October 15, Mr [redacted] called in advising that he was having trouble with his vehicle and had the vehicle towed to a different shop of choiceThe second shop advised Mr [redacted] that the reason his vehicle had stalled was due to a crack in the transmission coolerMr [redacted] authorized the replacement of the part and once repairs were completed he made contacted our Auto Damage Supervisor, Curtis E [redacted] to request reimbursement for the repair.The transmission cooler is located in the frontend of the vehicle and is a part of a closed tubular metal systemThis cooler could not have been damaged as a result of the original accident on March 11, as the damage from that accident was contained to the sides of the VehicleBased on the time lapse from initial accident to now, and the location of the transmission cooler this damage could not have been form the original accidentWe have advised Mr [redacted] that we cannot reimburse him for the transmission cooler repair as it is not related to the original accident.\lf any additional information is needed please contact Jenna W***, Consumer Relations Administrator at ###-###-#### or [redacted] .Sincerely,Pionne C [redacted] Assistant Vice President
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I never SIGNED for these letters you speak of and Attorney [redacted] will attest that he is and was never retained by me as my attorney If letters were sent to Attorney [redacted] , I was not given them.I can attend any examination between October 26th through October 31st, 2015, if that is what is required to make good on the No Fault payment of these bills I requested a rescheduling of the first exam because of military training with the US Army Reserve.I am out of the U.Son business until October 23rd, 2015.Please schedule an exam anytime, anyplace within two hours of my home at [redacted] ***, Oneonta, NY between October 26th-October 31st and I will be glad to attend.Thank You Regards, [redacted] Jr
We are in receipt of your second follow up letter received on May 10, This letter is in response to your inquiry.A GEICO supervisor reinspected Mr [redacted] ’s motorcycle after the repairs were completed on Monday, May 16, GEICO agreed to repair an additional chip in the fuel tank and fairing, GEICO is finalizing supplemental damage amount when the repair facility employee returns MondayMr [redacted] is satisfied with the outcome and understands the next steps in the process.Thank you for the opportunity to address your inquiryPlease let us know if you need anything further.Sincerely,Matthew LM [redacted]
Dear Ms [redacted] : Thank you for your recent inquiryClaims Supervisor Christopher B [redacted] attempted to reach Ms [redacted] to discuss her concerns, but was only able to leave a voicemail Because Ms [redacted] started her policy with us shortly before the damage is said to have occurred, we are gathering additional information to independently confirm the date of lossOnce our investigation is complete, we will inform Ms [redacted] whether or not we are able to provide coverage for the damages that she is claiming If you have any questions, please contact Nalini K [redacted] Claims Manager, at ###-###-#### Sincerely, JLee M [redacted] Jr Assistant Vice President, Claims
April 7, [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th floor Washington DC 20005- VIA FACSIMILE: [redacted] RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***-GEICO Indemnity Dear [redacted] : This is in response to your request for additional information dated April 7, If [redacted] obtained other coverage prior to August 18, 2016, she can send in a copy of her Declarations Page to review backdating the cancellation of the policy to the start date of her new policyThis information can be faxed to ###-###-#### or emailed to [redacted] @geico.com I apologize for any inconvenience or frustration this situation has caused and hope this information will assist you in resolving this issueIf additional information is required, please contact Chelsea G [redacted] at ###-###-#### Her office hours are Monday through Friday, 7:a.mto 3:p.mEST Sincerely, John *L [redacted] AVP, Underwriting
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I am looking right now at my [redacted] and my insurance card says August I got insurance with [redacted] ***How do I send a copy? What else do I need to send? Regards, [redacted]
We are in receipt Mr [redacted] rejection of our May 18, response.As our prior response indicated Mr [redacted] was sent a Consent to Rate (CTR) form on October 17, and again on March 14, We are including copies of both of these letters for Mr [redacted] to review,We are required by the state of North Carolina to offer liability coverageNorth Carolina does not require that vehicles carry physical damage coverage, this requirement is made by the lienholderIt is the consumer’s responsibility to ensure their vehicle is insured with physical damage coverage while being financedWhen Mr [redacted] failed to sign and return the CTR form we could no longer offer physical damage coverage and as a result this coverage was removed.A review of Mr [redacted] ’ policy reflects physical damage coverage was removed effective April 17, 2014; therefore we will maintain our position that coverage was not in place at the time of loss on July 26, 2014.If we can provide any additional assistance, please contact Kim G***, at ###-###-####, extension 7701.Sincerely,Andrea B [redacted] Virginia Beach Regional Office GEICO Indemnity Insurance Company
July 27, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th floor P.OBox Washington, DC 20005- Attention: [redacted] RE: CASE NUMBER: [redacted] COMPLAINANT: [redacted] CLAIM NUMBER: [redacted] DATE OF LOSS: September 28, COMPANY: Government Employees Insurance Company Dear [redacted] : This letter is in response to your correspondence dated July 20, This loss is a lane change dispute The only evidence available to GEICO was recorded statements from both parties involved There were no witnesses who came forward, and the police did not investigate the loss The accident occurred on Corporate Drive near Interstate [redacted] in Lewisville, Texas The road is four lanes, two in each directionThe right lane ends as it approaches the highway and becomes a turn only laneThe left lane is a straight only lane [redacted] advised he was traveling in the right lane and the other vehicle was behind him He stated he turned on his left blinker and began to change lanes when the impact occurredHe said the other driver must have moved into the lane just before or at the same time he was changing lanes, sped up and struck the driver's side rear of his vehicle when he was in the process of changing lanes The other driver’s version indicates he had always been traveling in the left laneHe stated he was driving forward when he saw [redacted] in a lane which became a right turn only At that time, he advised [redacted] came into his lane causing the accident We estimated and photographed both vehicles involvedThe other driver’s damages are located on the passenger’s side front fender near the wheel-well and along the passenger side running board The majority of damage to [redacted] ***’ vehicle is on the driver side near the bed of the truck and cab, not the rear as his statement indicatedThe damages are not indicative of a rear-end loss as described by [redacted] *** The damages suggest the other driver was next to [redacted] and [redacted] struck the other driver while he was already established in the left lane Due to the statements given to us as well as the damages, we found [redacted] *** responsible for the loss and paid for the other party’s damages GEICO advised [redacted] on October 1, of the liability decision in regard to this claim We also spoke to [redacted] on November 16, and advised her of the liability decision as well [redacted] contacted his adjuster on July 19, [redacted] ***’ call was returned on the 19th and he was advised of our liability decision We called and left a message for [redacted] to further discuss the investigation and decision on July 20, We spoke with [redacted] on July 25, and explained our liability decision If you have any questions, please contact Claims Manager Emily R [redacted] at ###-###-####Sincerely, Paul M [redacted] Assistant Vice President