April 19,
Revdex.com of Metro Washington DC & Eastern Pennsylvania
*** ***
K Street NW, 10th Floor
Washington, DC 20005-
RE: Complaint ID: ***
Dear Ms***:
Thank you for your letter of April 11, 2017, regarding the consumer above
Our claims supervisor, Justin P***, spoke with Mr*** on April 11, 2017, concerning an additional payment for supplemental damages to his vehicleMr*** advised us he paid out of pocket and was seeking reimbursementWe secured the supplement paperwork and issued payment to Mr*** on April 11, for a total of $2,The check number is ***We apologize for the delay and believe Mr***’s has now been fully compensated for his vehicle damages and if there are any additional concerns, we as that he contact our office
Should you have further questions, please contact Michael Q***, Claims Director, at ###-###-####
Very truly yours,
Kim O***
Assistant Vice President
KO/sh
August 26,
*** ***
Revdex.com
K STNW, 10TH FLOOR
WASHINGTON, DC 20005-
Claim Number: 0432118500101025-
Insured: *** *** *** ***
Date of Loss: August 1,
Complainant: *** *** *** ***
File Number: ***
Dear Mr***:
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 *** C*** called and spoke to Mr*** about his paymentMr*** asked that the check be made payable to him and *** *** *MrC*** did stop the original payment and reissued the checkOn receipt of this letter, MrC*** contacted Mr*** to verify he would like the last check issued, stopped and reissued copayable to Mr*** and lien holder, *** Financial ServicesMr*** confirmed in his follow up letterA new check was issued on August 21, and mailed to Mr***
Mr*** 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***
Virginia Beach Regional Office
GEICO Casualty Insurance Company
NAIC #
November 28,
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
K StNW, 10th floor
P.OBox
Washington, DC 20005-
Attention: *** ***
RE: CASE NUMBER: ***
COMPLAINANT: *** *** CLAIM NUMBER:
***
DATE OF LOSS: November 8,
COMPANY: GEICO Secure Insurance Company
Dear *** ***:
Thank you for your letter of November 20,
On July 9, 2016, *** *** was involved in an accident which resulted in damage to the front bumper area of her vehicleIt was reported to GEICO and claim number *** was assignedThe vehicle was inspected and an estimate completed in which the damages included the replacement of the front bumper coverThe payment for the repairs was issued on November 9, 2016, payable to *** *** *** *** and *** ***, which was cashed on November 17, After receiving your letter, we were able to confirm with *** *** *** *** *** *** did not have the repairs completed with them
On November 8, 2017, *** *** reported another single vehicle loss to GEICO for which claim number *** was assignedAn inspection of the vehicle and an estimate were completed for damages concentrated in the front bumper area of *** ***’ vehicleDuring the inspection, the adjuster found the damages related to the previous claim, claim number ***, had not been repairedThe adjuster advised *** *** the bumper cover would not be included on the second claim as it had already been paid to be replaced on her prior claim, but it had not beenSince *** *** insisted the bumper be paid for again on the current claim, Auto Damage Supervisor Dennis F* spoke with her to explain why there would not be a second payment for the same partHe went over both estimates with *** *** and explained the payment was issued covering the replacement of the front bumper coverHe explained even though there are now additional damages to the front bumper cover, which GEICO had paid to replace, the procedure was yet to be completedTherefore, when *** *** authorizes the replacement of the cover to be completed previously paid for by GEICO, all of the prior and current damages on the front bumper cover would be addressed in the same process requiring no additional money
As of today all of the damages relating to the current loss have been covered, excluding the front bumper cover which was paid for on the previous claimThe check for the previous claim, which included the replacement of the front bumper cover, has been cashedA payment in the amount of $was issued to her repair facility of choice, *** *** *** *** for the repairs of the second claim and a subsequent check in the amount of $1,was issued to BJM North, Incfor supplementary repairs
After receiving your letter, Auto Damage Manager Helmut V*** reviewed the claim in its entiretyHe confirmed the front bumper cover was included in the first claim and had been paidHe also reviewed the photos of both claims and confirmed the damages to the left front area of the front bumper cover are the sameHe also called *** *** to discuss her concerns but was unable to reach her
If there are any additional questions, please feel free to contact MrV*** at ###-###-####
Sincerely,
Paul M*** Assistant Vice President
On December 4, 2017, Auto Damage Supervisor Joshua M***, spoke with *** *** and confirmed he did receive a check from his body shop for his out of pocket rental, and considers this matter resolved
May 10, 2016 Revdex.comAttn: *** ***K StNW, 10th FloorWashington, D.C. 20005-3404 Re: Customer Name: *** *** Case Number:
*** GEICO County Mutual Insurance Company Auto Policy Number: *** Dear Ms***: This is in response to your correspondence received in our Washington, D.CExecutive Offices. It was referred to the Richardson, TX Regional Office for a reply. We apologize for the delay in our response and for any misunderstanding Ms*** may have regarding her policy coverages. We regret to confirm that Ms***’s policy did not carry the appropriate coverage for the towing loss dated April 7, 2016. The policy records reflect Ms*** purchased a GEICO auto policy online, on December 17, 2015, effective December 17, through June 17, 2016. Confirmation paperwork was mailed December 18, (copy enclosed). Emergency Road Service is available when comprehensive and collision has been selected. Ms*** only selected the Liability and Uninsured Motorists coverages for the ***; therefore, Emergency Road Service was not an available coverage. Ms*** submitted a towing claim, for a loss date of April 7, 2016, for the ***. The Claims Department mailed Ms*** a claim denial letter, dated April 18, 2016, stating the necessary coverage was not available for the date of the loss (copy enclosed). If you need additional information, please contact Patti K*** by telephone at ###-###-####, from 8:am to 4:pm CST, or by email at ***. Sincerely, Matthew Z***Assistant Vice President Enclosures Cc: *** *** *** *** *** *** Spring TX 77386-
[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: ***
I am rejecting this response because:I do NOT want to use after-market parts in my *** ***It is my right to have the car restored to the exact original condition before the accidentMy car didn't have aftermarket parts before the accident (and it only has less than 6k miles on it), so it is not acceptable to have aftermarket parts to replace the few-month-old parts of my car. Again, they issued the check to a certain body shop which doesn't give me much flexibility to choose another bodyshop if I want toI want the check payable to myself and the lien holder so I can have more flexibility in dealing with any bodyshop I decide to
Regards,
***
December 8, *** *** Revdex.com RE: File Number: *** Claim
Number: *** Dear *** ***, We received your correspondence dated December 5, 2017. We have not included any personal identifying information on our response, as you requested. We sincerely regret the customer is unhappy with the handling of this claim. We have reviewed their concerns regarding our attempts to reach the adverse carrier, their deductible, car seat replacement, and their request for a reimbursement of policy premiumsThis loss was reported on November 10, 2017. We secured the adverse carrier’s information on November 13, 2017, and immediately attempted contact; however, they were closed. On November 16, 2017, the customer advised they were going to file with the adverse carrier. On November 19, 2017, the customer advised the other driver had not contacted the adverse carrier. After speaking with the customer again on November 21, 2017, we contacted the adverse carrier about the delay in their investigation. They advised the claim was still being investigated and they would escalate their handling. Several hours later, the customer called us to determine if the adverse carrier resolved their investigation. Therefore, we contacted the adverse carrier again and transferred the customer to them. After this, we were unaware the customer was still having difficulties, as it was our understanding they were filing with the adverse carrierOn December 5, 2017, we contacted the adverse carrier and were advised another company had started handling the claim. A supervisor contacted the customer to discuss the concerns raised in the complaint and to ensure they were aware of the new carrier handling their damages. The supervisor also apologized because the customer was not informed the car seats needed to be inspected or replaced. We also attempted to reiterate we were unable to waive the deductible until we knew the other carrier was in agreement with handling the customer’s claim. The customer expressed she wanted her premiums refunded and we explained we were unable to refund the premiums that had been paid. The customer advised the adverse carrier has reimbursed her for the car seats and is handling her vehicles damages. We sincerely regret any frustration this customer has experienced due to the handling of her claim. If we can be of any further assistance, please contact Anne C***, Claims Manager, at ###-###-####, or via e-mail at ***@geico.com.Sincerely,Frank P***Assistant Vice President
Dear Ms***: This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. In Mr***’s correspondence to your organization he expresses concern regarding the cancellation of his GEICO automobile insurance
policy for non-payment of premium and subsequent reporting of the cancellation to the Massachusetts Registry of Motor Vehicles (RMV). He explains that GEICO’s reporting of the cancellation for non-payment of premium has resulted in higher premium quotes with other insurance companies. Mr*** has requested for GEICO to remove this reporting from his RMV record or reduce his monthly installments to $200-$a month GEICO’s records show that Mr*** purchased the policy in question on September 4, to be effective September 7, 2015. Mr*** scheduled a one-time payment of $to be processed onto his credit card on September 6, 2015. Unfortunately the payment was declined by Mr***’s financial institution Since the payment made to issue the policy was not honored by his financial institution, the policy was cancelled effective the inception date of the policy. Per Massachusetts regulation, GEICO reported to the RMV that the policy had cancelled for non-payment. Notification of the declined credit card payment and policy cancellation was sent to Mr*** on September 9, On September 12, 2015, Mr*** contacted GEICO and reissued the policy with a lapse in coverage to be effective September 13, 2015. He made a down payment of $via credit card to bind the policy On October 27, 2015, Mr*** contacted GEICO and reported a change of mailing address and rated location from Hull, MA to Fort Hood, TX. The policy was rewritten from Massachusetts to Texas effective November 20, 2015. Mr*** contacted GEICO on October 15, and reported a change of address from Fort Hood, TX to Taunton, MA. A Massachusetts automobile insurance policy was written for Mr*** effective October 16, 2016. The premium of the policy was determined utilizing underwriting/rating rules and guidelines as filed and approved by the Massachusetts Division of Insurance It is GEICO’s position that all proper procedures were followed in the handling of Mr***'s policy. GEICO maintains that the cancellation of the policy for non-payment of premium effective September 7, was valid and therefore cannot be removed from his RMV record. GEICO also maintains that the policy premium is accurate per all filed and approved underwriting/rating rules and guidelines by the Massachusetts Division of Insurance. We would be happy to discuss premium reduction alternatives with Mr*** such as a change in coverage in an attempt to reduce his overall premium. GEICO’s customer service department is available hours a day to assist via telephone, ###-###-####. If you have any questions, or if GEICO can be of any further service in this matter, please contact Barbara F* at ###-###-#### Sincerely, Timothy L*** Assistant Vice President of Underwriting Tell us why here
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Dear Ms***:
Thank you for your recent inquiryClaims Supervisor Christopher B*** attempted to reach Ms*** to discuss her concerns, but was only able to leave a voicemail
Because Ms*** 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*** 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*** Claims Manager, at ###-###-####
Sincerely,
JLee M*** Jr
Assistant Vice President, Claims
Dear *** ***:Thank you for your recent inquiry.*** *** reported that on March 28, 2016, she ran over some rocks that were lying in the roadway. Because the rocks were stationary in the roadway, this incident would not have caused the damage to the windshield that she
is claiming. Therefore, we denied payment for the windshield damage.The issue with the turbo in the engine is a result of wear and tear, and due to its location in the engine compartment, the failure is not a result of the reported claim. The vehicle went over rocks, and the turbo sits within the engine much higher than the levels of the rocks on the roadway. Under the terms of *** ***'s policy, "There is no coverage for loss caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that damage results from a covered theft”Therefore, we also are unable to pay for the mechanical issues that she is claiming.If you have any questions, please contact Erik S***, Auto Damage Manager, at ###-###-####
December 4,
*** ***
Revdex.com of Metro Washington DC & Eastern Pennsylvania
K Street NW, 10th Floor
Washington, DC 20005-
RE: File Number: ***
Dear *** ***:
Thank you for your letter of November 12, regarding the above
consumer’s claim
On September 29, 2017, our insured impacted six vehicles resulting in a large amount of damagesThe insured's policy only has $10,in property damage coverage to pay for all six of the consumers' vehiclesAt this time, we are pending receipt from one more consumer in order to determine the pro-rata amount for offer and paymentOnce the final estimate is received, we will be issuing property damage releases to all parties involved with the appropriate pro-rata amount
We will continue to work this claim diligently toward resolutionIf you have any further questions, please feel free to contact Anna W***, Liability Director, at ###-###-####
Very truly yours,
Ryan W***
Assistant Vice President
RW/sdh
I am writing to you in response to Ms***’s concerns outlined in your June 10, letter.GEICO Insurance Agency, Inc(GIAI) is a sales and service agent for multiple insurance carriersAs an agent we must abide by the rates rules and guidelines provided by the carrierAll rates and terms
are set by the individual carrier.Ms*** purchased a homeowner policy placed through *** *** Insurance effective July 29, The policy has renewed annually until the termGIAI has dissolved their agency agreement with ASIASI is non-renewing all current policies issued by GIAIGIAI in turn is actively providing replacement policies with alternate carriers for consumers effective as of their renewal date.Ms***’s ASI policy will non-renew effective July 29, A replacement policy was put in force effective July 29, provided through *** *** to provide her continuous coverage.While this change was taking place, Ms*** contacted our office and advised that the residence should be covered as a condo and not a standard homeA new policy was issued with *** to cover the residence as a condo effective June 10, 2016.Ms***’s ASI policy has now been cancelled effective June 10, A signed request is required by *** *** to terminate a policy in the state of GeorgiaAs soon as Ms***’s signed request is received the replacement *** *** policy will be cancelled as of the effective date.All policies were issued at the request of and with information provided by Ms***Each year a policy package was provided to Ms*** outlining the coverage providedIn the residence was presented to our office as a standard homeAs soon as Ms*** informed our office that the residence was a condo, the coverage was reissued with the newly requested coverage.If you have additional questions or concerns, please contact me at ###-###-####.Sincerely,Jeff B*** GEICO Insurance Agency, Inc
Heather M*** Assistant Vice President December 18, 2017 *** ***Revdex.comKStreet NW, 10th FloorWashington, D.C. 20005-3404 Re: Complaint ID: ***Dear *** ***We received your correspondence dated December 8, We have not included any personal identifying information in our response. We attempted to contact our insured on December 12, 2017, however we have not been successful.Our insured’s policy renewed effective May 15, 2017, for a six month premium of $2,The policy included coverage for our insureds, their children, and vehicles. On July 21, 2017, our insured requested to delete a ***, decreasing the premium to $1,536.94. On August 2, 2017, our insured added a ***, with liability coverage only, increasing the premium to $1,825.64. We emailed policy documents to reflect each policy change. On October 12, 2017, we emailed a policy renewal offer effective November 15, 2017, for a six month premium of $2,366.25.On November 5, 2017, our insureds’ daughter contacted our towing department requesting service for the ***. Unfortunately, the insured did not have Emergency Road Service coverage on the vehicleHowever, our insured contacted our Service Department and added Emergency Road Service to the *** for future incidents, increasing the premium to $2,Our insured advised his daughter and son had the *** in Georgia where they reside while attending school. We advised our insured we would need to issue a separate policy for the *** and their children since the vehicle was garaged in Georgia.Our insured stated he did not want a Georgia policy issued. We explained that it is our policy to issue a separate policy for any vehicle that will be located in a different state for more than days. This is to ensure we provide adequate coverage for our insured in the state the vehicle is located. In addition, we determine rates on many factors, including the garaged location of the vehicle. The policy was reviewed by our Underwriting Department and a new policy for the *** and our insured’s children was issued for Georgia for a six month premium of $3,514.40. Policy documents were emailed to our insured, as they had elected to enroll in paperless policy.We spoke to our insured on November 30, 2017, regarding the issuance of the new policy. We explained to our insured because his daughter and son had the vehicle in Georgia, a new policy was issued. We regret our insured has decided to cancel the Georgia policy, leaving a balance of $for coverages provided from November 13, 2017, to December 1, 2017, without payment. We have advised we are willing to adjust the policy cancellation date with verification of other insurance for their children and the vehicle reflecting they were insured prior to December 1, 2017. If additional information is needed, please contact Joy K*** at ###-###-#### or ***@geico.com.Sincerely,Heather M***Assistant Vice President
Heather M***Assistant Vice PresidentSeptember 26, 2017*** ***Revdex.comKStreet NW, 10th FloorWashington, D.C. 20005-3404Re: Complaint ID:
***Dear *** ***,We received your correspondence dated September 19, We have not included any personal identifying information in our response. We spoke with our insured on September 22, 2017, and explained the below information. On August 1, 2017, our insureds purchased a policy effective August 2, 2017, for their SubaruOn September 12, 2017, we received notification from the United ***s Postal Service advising they had moved. On September 18, 2017, our insured updated his policy online with the new address and rated location, increasing the premium $193.14.Insurance companies use accident statistics and claim reports to help rate locations around the country. We use rated territories, which are typically based on zip code boundaries, to review the frequency and severity of losses reported within these areas and therefore we charge different rates commensurate with the loss activity. The increase in our insureds’ premium was a result of different rates applied to the new address. We can assure you that we would never request or use race as an underwriting or rating factor. We understand his concerns and greatly appreciate his feedback. If you have any further questions, please contact Joy K*** at ###-###-#### or ***@geico.com.Sincerely,Heather M***Assistant Vice President
May 23,
Revdex.com
Attn: *** ***
K StNW, 10th Floor
Washington, D.C20005-
Re: Customer Name: *** ***
Case Number: ***
GEICO Choice Auto Insurance Company
Policy Number: ***
Dear Ms***:
This is in response
to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the Richardson, TX Regional Office for a reply
We apologize for any confusion Ms*** may have experienced regarding the policy effective datesMs***’s policy effective dates have been amended to allow for the claims investigation
Our policy records reflect Ms*** spoke with a Service Supervisor, on May 17, 2016, and requested a Manager return the callOur Service Manager, Kristen W***, called and spoke with Ms*** on May 18, MsW*** advised Ms*** she would review the situation and contact her with the resolution
MsW*** called and spoke with Ms***, on May 20, 2016, and advised the policy effective dates were changed in order to move forward with the claims investigationMs*** understood and was satisfied with the outcome
We thank Ms*** for her businessWe look forward to continuing to serve her insurance needs for years to come
If you need additional information, please contact Patti K*** by telephone at ###-###-####, from 8:am to 4:pm CST, or by email at ***
Sincerely,
Matthew Z***
Assistant Vice President
Cc: *** ***
** *** ***
Los Lunas NM 87031-
January 18,
*** ***
Revdex.com
K STNW 10TH FLOOR
WASHINGTON DC 20005-
Claim Number: ***
Our Insured: *** *** ***
Date of Loss: November 26,
Complainant: *** ***
File Number: ***
Dear Ms
***:
We are in receipt of your letter dated January 11, regarding the above referenced claimThe inquiry has been referred to my office for review and response
On January 13, 2017, our local supervisor, Christopher M***, spoke to Ms***We met with Mr*** to secure the Power of Attorney paperwork required to issue payment to her lien holderTo assist in expediting the settlement, we hand delivered the payment to *** BankMs*** was informed after payment was accepted by *** Bank and is satisfied with the resolution
We trust this response will satisfy your inquiry into this matterPlease contact our area manager, Frank T***, at ###-###-#### if you should have any further questions
Sincerely,
Matthew LM***
Assistant Vice President
Virginia Beach Regional Office
GEICO Indemnity Insurance Company
NAIC# ***
*** *** Regional Vice President November 13, Revdex.com Serving Metro Washington DC & Eastern Pennsylvania ATTN: *** *** K StNW, 10th Floor Washington DC 20005-RE: File Number: *** Dear *** ***, We received your correspondence dated November 6, 2017. We have not included any personal identifying information in our response, as you requested. This complaint arises out of an automobile accident which occurred on September 30, 2017. On October 1, 2017, the consumer reported another party made a turn in front of him, causing the collision. We determined the other party was responsible for the damage caused to the consumer’s vehicle. We explained to the consumer that he did not carry collision coverage to pay for the repair of his vehicle, and he should pursue his claim with the other party’s insurer, *** *** On October 17, 2017, the consumer contacted us to express his dissatisfaction with *** ***’s handling of his claim. We contacted *** ***, and we e-mailed documentation to *** *** that our insured did not carry collision coverage, so *** *** could consider paying for insurance required by the rental company. On October 23, 2017, our insured contacted us to express his dissatisfaction with the requirement that he pay a $deposit to obtain a rental vehicle On October 24, 2017, the consumer contacted us and requested to speak to a supervisor. Travis D***, Claims Supervisor, left a message requesting a return call from the consumer later that day On November 6, 2017, Kim R***, Claims Manager, left a voice mail message seeking the consumer’s return call. On November 7, 2017, we contacted *** *** again on behalf of the consumer, but *** *** had not completed its liability investigation. Since the consumer does not carry collision coverage, we are unable to facilitate the repair of his vehicle, or to negotiate on his behalf We regret the consumer is dissatisfied with our inability to intervene on his behalf. If we can be of any further assistance, please contact Gail M*** via phone at ###-###-####, via FAX at ###-###-####, or via e-mail at ***@geico.com Sincerely, *** *** *** *** Regional Vice President
We received your correspondence dated November 28, We have not included any personal identifying information in our response, as you requested.On October 31, 2016, we learned that a vehicle belonging to the complainant Sustained damage during a collision with our policyholderWe deemed the
vehicle a total loss on November 7, Based on a market valuation report from CCC Information Services, Inc., we established an actual cash value of $11,502.00, plus sales tax of $805.14, for a net settlement of $12,307, The market valuation report suggested a value based on a search of locally-available, similar vehiclesWe relayed the settlement amount to our customer, who declined our offer, and referenced a value from Kelly Blue Book of $13,Additionally, our customer noted that our valuation did not include consideration for a "Tech Package" that was present on his vehicle.Our adjuster contacted CCC Information Services, Incto include the Tech PackageSince the package was a lower-cost package that included several options we had individually considered in our valuation, the updated actual cash value decreased to $11,including tax, We informed our customer of the updated valuation, Additionally, we explained that his vehicle's high odometer reading of 115,negatively impacted his vehicle's value compared to others in the local marketOur Customer continued to disagree with our valuation.On N***mber 29, 2016, Matthew D***, Auto Damage Supervisor, spoke with our customer regarding his claimMrD*** consulted Kelly Blue Book, and identified that the value our customer provided did not include his vehicle's correct mileageMrD*** calculated the Kelly Blue Book value to be $11,MrD*** explained that since we had originally offered $12,as settlement, we would honor our original offer, despite the lower valuations in consideration of the Tech Package and the Kelly Blue Book valuationAfter consideration, our customer agreed to accept our settlement offer on N***mber 30, 2016, and we issued payment for $12,14.We sincerely regret any inconvenience our customer experienced during the handling of his claimWe believe our settlement offers were accurate, and we are pleased that we reached an agreementIf We can be of any further assistance, piease contact Gail M*** at ###-###-####, via FAX at ###-###-####, or via e-mail at ***.Sincerely,Don R*** Regional Vice President
Dear *** ***: Thank you for your recent inquiry. We want a quality repair for every customer and always want to work in good faith to resolve questions about any matters, including disputes regarding covered damagesOur auto damage adjuster wrote an estimate for the damages
to *** ***’s vehicle on October 13, 2017. He did not include damages to the right rear bumper, right rear upper corner of the side panel, and the right front bumper because these damages were determined to be related to three separate incidentsThese areas of damage do constitute covered losses, but separate claims would need to be filed for each incident, and a separate deductible would apply for each claim. We advised *** *** of this decision in a partial denial letter dated October 17, If you have any questions, please contact our local Auto Damage Manager, Christopher B***. He can be reached at ###-###-####. Sincerely,JLee M. Jr. Assistant Vice President, Claims
April 19,
Revdex.com of Metro Washington DC & Eastern Pennsylvania
*** ***
K Street NW, 10th Floor
Washington, DC 20005-
RE: Complaint ID: ***
Dear Ms***:
Thank you for your letter of April 11, 2017, regarding the consumer above
Our claims supervisor, Justin P***, spoke with Mr*** on April 11, 2017, concerning an additional payment for supplemental damages to his vehicleMr*** advised us he paid out of pocket and was seeking reimbursementWe secured the supplement paperwork and issued payment to Mr*** on April 11, for a total of $2,The check number is ***We apologize for the delay and believe Mr***’s has now been fully compensated for his vehicle damages and if there are any additional concerns, we as that he contact our office
Should you have further questions, please contact Michael Q***, Claims Director, at ###-###-####
Very truly yours,
Kim O***
Assistant Vice President
KO/sh
August 26,
*** ***
Revdex.com
K STNW, 10TH FLOOR
WASHINGTON, DC 20005-
Claim Number: 0432118500101025-
Insured: *** *** *** ***
Date of Loss: August 1,
Complainant: *** *** *** ***
File Number: ***
Dear Mr***:
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 *** C*** called and spoke to Mr*** about his paymentMr*** asked that the check be made payable to him and *** *** *MrC*** did stop the original payment and reissued the checkOn receipt of this letter, MrC*** contacted Mr*** to verify he would like the last check issued, stopped and reissued copayable to Mr*** and lien holder, *** Financial ServicesMr*** confirmed in his follow up letterA new check was issued on August 21, and mailed to Mr***
Mr*** 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***
Virginia Beach Regional Office
GEICO Casualty Insurance Company
NAIC #
November 28,
* spoke with her to explain why there would not be a second payment for the same partHe went over both estimates with *** *** and explained the payment was issued covering the replacement of the front bumper coverHe explained even though there are now additional damages to the front bumper cover, which GEICO had paid to replace, the procedure was yet to be completedTherefore, when *** *** authorizes the replacement of the cover to be completed previously paid for by GEICO, all of the prior and current damages on the front bumper cover would be addressed in the same process requiring no additional money
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania
K StNW, 10th floor
P.OBox
Washington, DC 20005-
Attention: *** ***
RE: CASE NUMBER: ***
COMPLAINANT: *** *** CLAIM NUMBER:
***
DATE OF LOSS: November 8,
COMPANY: GEICO Secure Insurance Company
Dear *** ***:
Thank you for your letter of November 20,
On July 9, 2016, *** *** was involved in an accident which resulted in damage to the front bumper area of her vehicleIt was reported to GEICO and claim number *** was assignedThe vehicle was inspected and an estimate completed in which the damages included the replacement of the front bumper coverThe payment for the repairs was issued on November 9, 2016, payable to *** *** *** *** and *** ***, which was cashed on November 17, After receiving your letter, we were able to confirm with *** *** *** *** *** *** did not have the repairs completed with them
On November 8, 2017, *** *** reported another single vehicle loss to GEICO for which claim number *** was assignedAn inspection of the vehicle and an estimate were completed for damages concentrated in the front bumper area of *** ***’ vehicleDuring the inspection, the adjuster found the damages related to the previous claim, claim number ***, had not been repairedThe adjuster advised *** *** the bumper cover would not be included on the second claim as it had already been paid to be replaced on her prior claim, but it had not beenSince *** *** insisted the bumper be paid for again on the current claim, Auto Damage Supervisor Dennis F
As of today all of the damages relating to the current loss have been covered, excluding the front bumper cover which was paid for on the previous claimThe check for the previous claim, which included the replacement of the front bumper cover, has been cashedA payment in the amount of $was issued to her repair facility of choice, *** *** *** *** for the repairs of the second claim and a subsequent check in the amount of $1,was issued to BJM North, Incfor supplementary repairs
After receiving your letter, Auto Damage Manager Helmut V*** reviewed the claim in its entiretyHe confirmed the front bumper cover was included in the first claim and had been paidHe also reviewed the photos of both claims and confirmed the damages to the left front area of the front bumper cover are the sameHe also called *** *** to discuss her concerns but was unable to reach her
If there are any additional questions, please feel free to contact MrV*** at ###-###-####
Sincerely,
Paul M*** Assistant Vice President
On December 4, 2017, Auto Damage Supervisor Joshua M***, spoke with *** *** and confirmed he did receive a check from his body shop for his out of pocket rental, and considers this matter resolved
May 10, 2016 Revdex.comAttn: *** ***K StNW, 10th FloorWashington, D.C. 20005-3404 Re: Customer Name: *** *** Case Number:
*** GEICO County Mutual Insurance Company Auto Policy Number: *** Dear Ms***: This is in response to your correspondence received in our Washington, D.CExecutive Offices. It was referred to the Richardson, TX Regional Office for a reply. We apologize for the delay in our response and for any misunderstanding Ms*** may have regarding her policy coverages. We regret to confirm that Ms***’s policy did not carry the appropriate coverage for the towing loss dated April 7, 2016. The policy records reflect Ms*** purchased a GEICO auto policy online, on December 17, 2015, effective December 17, through June 17, 2016. Confirmation paperwork was mailed December 18, (copy enclosed). Emergency Road Service is available when comprehensive and collision has been selected. Ms*** only selected the Liability and Uninsured Motorists coverages for the ***; therefore, Emergency Road Service was not an available coverage. Ms*** submitted a towing claim, for a loss date of April 7, 2016, for the ***. The Claims Department mailed Ms*** a claim denial letter, dated April 18, 2016, stating the necessary coverage was not available for the date of the loss (copy enclosed). If you need additional information, please contact Patti K*** by telephone at ###-###-####, from 8:am to 4:pm CST, or by email at ***. Sincerely, Matthew Z***Assistant Vice President Enclosures Cc: *** *** *** *** *** *** Spring TX 77386-
[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: ***
I am rejecting this response because:I do NOT want to use after-market parts in my *** ***It is my right to have the car restored to the exact original condition before the accidentMy car didn't have aftermarket parts before the accident (and it only has less than 6k miles on it), so it is not acceptable to have aftermarket parts to replace the few-month-old parts of my car. Again, they issued the check to a certain body shop which doesn't give me much flexibility to choose another bodyshop if I want toI want the check payable to myself and the lien holder so I can have more flexibility in dealing with any bodyshop I decide to
Regards,
***
December 8, *** *** Revdex.com RE: File Number: *** Claim
Number: *** Dear *** ***, We received your correspondence dated December 5, 2017. We have not included any personal identifying information on our response, as you requested. We sincerely regret the customer is unhappy with the handling of this claim. We have reviewed their concerns regarding our attempts to reach the adverse carrier, their deductible, car seat replacement, and their request for a reimbursement of policy premiumsThis loss was reported on November 10, 2017. We secured the adverse carrier’s information on November 13, 2017, and immediately attempted contact; however, they were closed. On November 16, 2017, the customer advised they were going to file with the adverse carrier. On November 19, 2017, the customer advised the other driver had not contacted the adverse carrier. After speaking with the customer again on November 21, 2017, we contacted the adverse carrier about the delay in their investigation. They advised the claim was still being investigated and they would escalate their handling. Several hours later, the customer called us to determine if the adverse carrier resolved their investigation. Therefore, we contacted the adverse carrier again and transferred the customer to them. After this, we were unaware the customer was still having difficulties, as it was our understanding they were filing with the adverse carrierOn December 5, 2017, we contacted the adverse carrier and were advised another company had started handling the claim. A supervisor contacted the customer to discuss the concerns raised in the complaint and to ensure they were aware of the new carrier handling their damages. The supervisor also apologized because the customer was not informed the car seats needed to be inspected or replaced. We also attempted to reiterate we were unable to waive the deductible until we knew the other carrier was in agreement with handling the customer’s claim. The customer expressed she wanted her premiums refunded and we explained we were unable to refund the premiums that had been paid. The customer advised the adverse carrier has reimbursed her for the car seats and is handling her vehicles damages. We sincerely regret any frustration this customer has experienced due to the handling of her claim. If we can be of any further assistance, please contact Anne C***, Claims Manager, at ###-###-####, or via e-mail at ***@geico.com.Sincerely,Frank P***Assistant Vice President
Dear Ms***: This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy. In Mr***’s correspondence to your organization he expresses concern regarding the cancellation of his GEICO automobile insurance
* at ###-###-#### Sincerely, Timothy L*** Assistant Vice President of Underwriting Tell us why here
policy for non-payment of premium and subsequent reporting of the cancellation to the Massachusetts Registry of Motor Vehicles (RMV). He explains that GEICO’s reporting of the cancellation for non-payment of premium has resulted in higher premium quotes with other insurance companies. Mr*** has requested for GEICO to remove this reporting from his RMV record or reduce his monthly installments to $200-$a month GEICO’s records show that Mr*** purchased the policy in question on September 4, to be effective September 7, 2015. Mr*** scheduled a one-time payment of $to be processed onto his credit card on September 6, 2015. Unfortunately the payment was declined by Mr***’s financial institution Since the payment made to issue the policy was not honored by his financial institution, the policy was cancelled effective the inception date of the policy. Per Massachusetts regulation, GEICO reported to the RMV that the policy had cancelled for non-payment. Notification of the declined credit card payment and policy cancellation was sent to Mr*** on September 9, On September 12, 2015, Mr*** contacted GEICO and reissued the policy with a lapse in coverage to be effective September 13, 2015. He made a down payment of $via credit card to bind the policy On October 27, 2015, Mr*** contacted GEICO and reported a change of mailing address and rated location from Hull, MA to Fort Hood, TX. The policy was rewritten from Massachusetts to Texas effective November 20, 2015. Mr*** contacted GEICO on October 15, and reported a change of address from Fort Hood, TX to Taunton, MA. A Massachusetts automobile insurance policy was written for Mr*** effective October 16, 2016. The premium of the policy was determined utilizing underwriting/rating rules and guidelines as filed and approved by the Massachusetts Division of Insurance It is GEICO’s position that all proper procedures were followed in the handling of Mr***'s policy. GEICO maintains that the cancellation of the policy for non-payment of premium effective September 7, was valid and therefore cannot be removed from his RMV record. GEICO also maintains that the policy premium is accurate per all filed and approved underwriting/rating rules and guidelines by the Massachusetts Division of Insurance. We would be happy to discuss premium reduction alternatives with Mr*** such as a change in coverage in an attempt to reduce his overall premium. GEICO’s customer service department is available hours a day to assist via telephone, ###-###-####. If you have any questions, or if GEICO can be of any further service in this matter, please contact Barbara F
[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Dear Ms***:
Thank you for your recent inquiryClaims Supervisor Christopher B*** attempted to reach Ms*** to discuss her concerns, but was only able to leave a voicemail
Because Ms*** 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*** 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*** Claims Manager, at ###-###-####
Sincerely,
JLee M*** Jr
Assistant Vice President, Claims
Dear *** ***:Thank you for your recent inquiry.*** *** reported that on March 28, 2016, she ran over some rocks that were lying in the roadway. Because the rocks were stationary in the roadway, this incident would not have caused the damage to the windshield that she
is claiming. Therefore, we denied payment for the windshield damage.The issue with the turbo in the engine is a result of wear and tear, and due to its location in the engine compartment, the failure is not a result of the reported claim. The vehicle went over rocks, and the turbo sits within the engine much higher than the levels of the rocks on the roadway. Under the terms of *** ***'s policy, "There is no coverage for loss caused by and limited to wear and tear, freezing, mechanical or electrical breakdown or failure, unless that damage results from a covered theft”Therefore, we also are unable to pay for the mechanical issues that she is claiming.If you have any questions, please contact Erik S***, Auto Damage Manager, at ###-###-####
December 4,
*** ***
Revdex.com of Metro Washington DC & Eastern Pennsylvania
K Street NW, 10th Floor
Washington, DC 20005-
RE: File Number: ***
Dear *** ***:
Thank you for your letter of November 12, regarding the above
consumer’s claim
On September 29, 2017, our insured impacted six vehicles resulting in a large amount of damagesThe insured's policy only has $10,in property damage coverage to pay for all six of the consumers' vehiclesAt this time, we are pending receipt from one more consumer in order to determine the pro-rata amount for offer and paymentOnce the final estimate is received, we will be issuing property damage releases to all parties involved with the appropriate pro-rata amount
We will continue to work this claim diligently toward resolutionIf you have any further questions, please feel free to contact Anna W***, Liability Director, at ###-###-####
Very truly yours,
Ryan W***
Assistant Vice President
RW/sdh
I am writing to you in response to Ms***’s concerns outlined in your June 10, letter.GEICO Insurance Agency, Inc(GIAI) is a sales and service agent for multiple insurance carriersAs an agent we must abide by the rates rules and guidelines provided by the carrierAll rates and terms
are set by the individual carrier.Ms*** purchased a homeowner policy placed through *** *** Insurance effective July 29, The policy has renewed annually until the termGIAI has dissolved their agency agreement with ASIASI is non-renewing all current policies issued by GIAIGIAI in turn is actively providing replacement policies with alternate carriers for consumers effective as of their renewal date.Ms***’s ASI policy will non-renew effective July 29, A replacement policy was put in force effective July 29, provided through *** *** to provide her continuous coverage.While this change was taking place, Ms*** contacted our office and advised that the residence should be covered as a condo and not a standard homeA new policy was issued with *** to cover the residence as a condo effective June 10, 2016.Ms***’s ASI policy has now been cancelled effective June 10, A signed request is required by *** *** to terminate a policy in the state of GeorgiaAs soon as Ms***’s signed request is received the replacement *** *** policy will be cancelled as of the effective date.All policies were issued at the request of and with information provided by Ms***Each year a policy package was provided to Ms*** outlining the coverage providedIn the residence was presented to our office as a standard homeAs soon as Ms*** informed our office that the residence was a condo, the coverage was reissued with the newly requested coverage.If you have additional questions or concerns, please contact me at ###-###-####.Sincerely,Jeff B*** GEICO Insurance Agency, Inc
Heather M*** Assistant Vice President December 18, 2017 *** ***Revdex.comKStreet NW, 10th FloorWashington, D.C. 20005-3404 Re: Complaint ID: ***Dear *** ***We received your correspondence dated December 8, We have not included any personal identifying information in our response. We attempted to contact our insured on December 12, 2017, however we have not been successful.Our insured’s policy renewed effective May 15, 2017, for a six month premium of $2,The policy included coverage for our insureds, their children, and vehicles. On July 21, 2017, our insured requested to delete a ***, decreasing the premium to $1,536.94. On August 2, 2017, our insured added a ***, with liability coverage only, increasing the premium to $1,825.64. We emailed policy documents to reflect each policy change. On October 12, 2017, we emailed a policy renewal offer effective November 15, 2017, for a six month premium of $2,366.25.On November 5, 2017, our insureds’ daughter contacted our towing department requesting service for the ***. Unfortunately, the insured did not have Emergency Road Service coverage on the vehicleHowever, our insured contacted our Service Department and added Emergency Road Service to the *** for future incidents, increasing the premium to $2,Our insured advised his daughter and son had the *** in Georgia where they reside while attending school. We advised our insured we would need to issue a separate policy for the *** and their children since the vehicle was garaged in Georgia.Our insured stated he did not want a Georgia policy issued. We explained that it is our policy to issue a separate policy for any vehicle that will be located in a different state for more than days. This is to ensure we provide adequate coverage for our insured in the state the vehicle is located. In addition, we determine rates on many factors, including the garaged location of the vehicle. The policy was reviewed by our Underwriting Department and a new policy for the *** and our insured’s children was issued for Georgia for a six month premium of $3,514.40. Policy documents were emailed to our insured, as they had elected to enroll in paperless policy.We spoke to our insured on November 30, 2017, regarding the issuance of the new policy. We explained to our insured because his daughter and son had the vehicle in Georgia, a new policy was issued. We regret our insured has decided to cancel the Georgia policy, leaving a balance of $for coverages provided from November 13, 2017, to December 1, 2017, without payment. We have advised we are willing to adjust the policy cancellation date with verification of other insurance for their children and the vehicle reflecting they were insured prior to December 1, 2017. If additional information is needed, please contact Joy K*** at ###-###-#### or ***@geico.com.Sincerely,Heather M***Assistant Vice President
Heather M***Assistant Vice PresidentSeptember 26, 2017*** ***Revdex.comKStreet NW, 10th FloorWashington, D.C. 20005-3404Re: Complaint ID:
***Dear *** ***,We received your correspondence dated September 19, We have not included any personal identifying information in our response. We spoke with our insured on September 22, 2017, and explained the below information. On August 1, 2017, our insureds purchased a policy effective August 2, 2017, for their SubaruOn September 12, 2017, we received notification from the United ***s Postal Service advising they had moved. On September 18, 2017, our insured updated his policy online with the new address and rated location, increasing the premium $193.14.Insurance companies use accident statistics and claim reports to help rate locations around the country. We use rated territories, which are typically based on zip code boundaries, to review the frequency and severity of losses reported within these areas and therefore we charge different rates commensurate with the loss activity. The increase in our insureds’ premium was a result of different rates applied to the new address. We can assure you that we would never request or use race as an underwriting or rating factor. We understand his concerns and greatly appreciate his feedback. If you have any further questions, please contact Joy K*** at ###-###-#### or ***@geico.com.Sincerely,Heather M***Assistant Vice President
May 23,
Revdex.com
Attn: *** ***
K StNW, 10th Floor
Washington, D.C20005-
Re: Customer Name: *** ***
Case Number: ***
GEICO Choice Auto Insurance Company
Policy Number: ***
Dear Ms***:
This is in response
to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the Richardson, TX Regional Office for a reply
We apologize for any confusion Ms*** may have experienced regarding the policy effective datesMs***’s policy effective dates have been amended to allow for the claims investigation
Our policy records reflect Ms*** spoke with a Service Supervisor, on May 17, 2016, and requested a Manager return the callOur Service Manager, Kristen W***, called and spoke with Ms*** on May 18, MsW*** advised Ms*** she would review the situation and contact her with the resolution
MsW*** called and spoke with Ms***, on May 20, 2016, and advised the policy effective dates were changed in order to move forward with the claims investigationMs*** understood and was satisfied with the outcome
We thank Ms*** for her businessWe look forward to continuing to serve her insurance needs for years to come
If you need additional information, please contact Patti K*** by telephone at ###-###-####, from 8:am to 4:pm CST, or by email at ***
Sincerely,
Matthew Z***
Assistant Vice President
Cc: *** ***
** *** ***
Los Lunas NM 87031-
January 18,
*** ***
Revdex.com
K STNW 10TH FLOOR
WASHINGTON DC 20005-
Claim Number: ***
Our Insured: *** *** ***
Date of Loss: November 26,
Complainant: *** ***
File Number: ***
Dear Ms
***:
We are in receipt of your letter dated January 11, regarding the above referenced claimThe inquiry has been referred to my office for review and response
On January 13, 2017, our local supervisor, Christopher M***, spoke to Ms***We met with Mr*** to secure the Power of Attorney paperwork required to issue payment to her lien holderTo assist in expediting the settlement, we hand delivered the payment to *** BankMs*** was informed after payment was accepted by *** Bank and is satisfied with the resolution
We trust this response will satisfy your inquiry into this matterPlease contact our area manager, Frank T***, at ###-###-#### if you should have any further questions
Sincerely,
Matthew LM***
Assistant Vice President
Virginia Beach Regional Office
GEICO Indemnity Insurance Company
NAIC# ***
*** *** Regional Vice President November 13, Revdex.com Serving Metro Washington DC & Eastern Pennsylvania ATTN: *** *** K StNW, 10th Floor Washington DC 20005-RE: File Number: *** Dear *** ***, We received your correspondence dated November 6, 2017. We have not included any personal identifying information in our response, as you requested. This complaint arises out of an automobile accident which occurred on September 30, 2017. On October 1, 2017, the consumer reported another party made a turn in front of him, causing the collision. We determined the other party was responsible for the damage caused to the consumer’s vehicle. We explained to the consumer that he did not carry collision coverage to pay for the repair of his vehicle, and he should pursue his claim with the other party’s insurer, *** *** On October 17, 2017, the consumer contacted us to express his dissatisfaction with *** ***’s handling of his claim. We contacted *** ***, and we e-mailed documentation to *** *** that our insured did not carry collision coverage, so *** *** could consider paying for insurance required by the rental company. On October 23, 2017, our insured contacted us to express his dissatisfaction with the requirement that he pay a $deposit to obtain a rental vehicle On October 24, 2017, the consumer contacted us and requested to speak to a supervisor. Travis D***, Claims Supervisor, left a message requesting a return call from the consumer later that day On November 6, 2017, Kim R***, Claims Manager, left a voice mail message seeking the consumer’s return call. On November 7, 2017, we contacted *** *** again on behalf of the consumer, but *** *** had not completed its liability investigation. Since the consumer does not carry collision coverage, we are unable to facilitate the repair of his vehicle, or to negotiate on his behalf We regret the consumer is dissatisfied with our inability to intervene on his behalf. If we can be of any further assistance, please contact Gail M*** via phone at ###-###-####, via FAX at ###-###-####, or via e-mail at ***@geico.com Sincerely, *** *** *** *** Regional Vice President
We received your correspondence dated November 28, We have not included any personal identifying information in our response, as you requested.On October 31, 2016, we learned that a vehicle belonging to the complainant Sustained damage during a collision with our policyholderWe deemed the
vehicle a total loss on November 7, Based on a market valuation report from CCC Information Services, Inc., we established an actual cash value of $11,502.00, plus sales tax of $805.14, for a net settlement of $12,307, The market valuation report suggested a value based on a search of locally-available, similar vehiclesWe relayed the settlement amount to our customer, who declined our offer, and referenced a value from Kelly Blue Book of $13,Additionally, our customer noted that our valuation did not include consideration for a "Tech Package" that was present on his vehicle.Our adjuster contacted CCC Information Services, Incto include the Tech PackageSince the package was a lower-cost package that included several options we had individually considered in our valuation, the updated actual cash value decreased to $11,including tax, We informed our customer of the updated valuation, Additionally, we explained that his vehicle's high odometer reading of 115,negatively impacted his vehicle's value compared to others in the local marketOur Customer continued to disagree with our valuation.On N***mber 29, 2016, Matthew D***, Auto Damage Supervisor, spoke with our customer regarding his claimMrD*** consulted Kelly Blue Book, and identified that the value our customer provided did not include his vehicle's correct mileageMrD*** calculated the Kelly Blue Book value to be $11,MrD*** explained that since we had originally offered $12,as settlement, we would honor our original offer, despite the lower valuations in consideration of the Tech Package and the Kelly Blue Book valuationAfter consideration, our customer agreed to accept our settlement offer on N***mber 30, 2016, and we issued payment for $12,14.We sincerely regret any inconvenience our customer experienced during the handling of his claimWe believe our settlement offers were accurate, and we are pleased that we reached an agreementIf We can be of any further assistance, piease contact Gail M*** at ###-###-####, via FAX at ###-###-####, or via e-mail at ***.Sincerely,Don R*** Regional Vice President
Dear *** ***: Thank you for your recent inquiry. We want a quality repair for every customer and always want to work in good faith to resolve questions about any matters, including disputes regarding covered damagesOur auto damage adjuster wrote an estimate for the damages
to *** ***’s vehicle on October 13, 2017. He did not include damages to the right rear bumper, right rear upper corner of the side panel, and the right front bumper because these damages were determined to be related to three separate incidentsThese areas of damage do constitute covered losses, but separate claims would need to be filed for each incident, and a separate deductible would apply for each claim. We advised *** *** of this decision in a partial denial letter dated October 17, If you have any questions, please contact our local Auto Damage Manager, Christopher B***. He can be reached at ###-###-####. Sincerely,JLee M. Jr. Assistant Vice President, Claims