Mercury Insurance Group

Good AfternoonWe looked at the information we had for this claim and were unable to have concrete facts that the other party hit your vehicle. I'm sorry you are unhappy with the results but with out any independent witness's to the loss we can not just accuse someone of being responsible for damages they are adamant they did not cause. The police officer came to the same conclusion. *** ***Claims Manager Unit OPS IIMercury Insurance

When Mr*** e-signed the application for the automobile insurance policy, he also e-signed an acknowledgement that stated:Policies cancelled at your request or for non-payment of premium are subject to a cancellation penalty equal to 10% of the unearned premiumIf the policy is cancelled by your
insurance company for any other reason, any unearned premium will be refunded pro-rata.When Mr*** e-signed the application for the homeowner's policy, he also e-signed an acknowledgement that stated:FEES AND COMMISSIONIf the policy premium is paid in installments, an additional $service fee will apply per installment paymentIf the policy iscancelled, at your request, within the first policy term, an additional $service fee will apply

We are in receipt of your request for assistance from the Revdex.com, dated 12-11-2015In your request for assistance you advise that no roof tarp was ever put on your house. DKI Accurate Construction put a roof wrap on your home and submitted photos showing the work had been
completed. We issued payment to them in the amount of $You also indicate that Mr***, only sent vendors to your residence and did not address the damage. We received notice of loss on 9-15-and the payment for the interior damage in the amount of $was issued on 9-23-Additionally, payment was issued for asbestos abatement in the amount of $4,In a conversation you had with Mr***, you indicated that you felt we had not paid enough money for the claimWe attempted to send Mr*** ***, with *** *** and ***, back out to your house for a reinspection, Although they called you several times and left messages, they never received a response from you.On 12-11-Mr*** had a phone conversation with you with the assistance of a Spanish interpreter, *** ***. You indicated in that conversation that all damage had been repaired, and that you had been paid. Your request was that we not contact you againYour file remains closedPlease refer to our letter dated 12-7-for the time constraints applicable to your claimShould you have any questions, please feel free to contact Property Claims Supervisor, *** ***, at *** * ***Sincerely, *** ***Manager Property Claims BranchBrea Property Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below I never received a notice in the mailI never received any information about my policy being cancelledIt was cancelled without warning.
Regards,
*** ***

We have reached out directly to Mr*** to obtain the claim number to look into this matter further

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meThere was an "incident" number given but not an actual report numberAs the cop said this was not a car on car problemJust a notification that something transpiredI have thought that being this is an "insurance company" that they would have access to find out what the business carriers insurance wasI will file a claim when the court opens up and supena them at the same time for the info. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

This is a multi-vehicle loss where we have a Property Damage limit of $10,000.00. To date we have an excess Property Damage exposure to our policy and the damages will be pro-rated between all parties. The inspection of *** *** vehicle indicated that her
preliminary damages totaled $911.12. The other party’s insurance carrier initially reported that their subrogation amount was at or near $30,At that time, we were still waiting on their subrogation demand in order to calculate the pro-rata offers to both parties. *** *** was notified of our limits issue on 8/9/and was advised to mitigate her damages with her carrier and that Mercury would offer a pro-rata amount to her carrier once all Property Damage amounts were known. We were then advised that *** *** did not carry collision coverage to resolve her damages with her own carrierOn Friday, October 20, 2017, the subrogation amount from the other party’s carrier was approved, and we are now in a position to extend pro-rata Property Damage offers. We are in the process of sending our pro-rata offers out to both parties along with releases to be signed and returned by both parties. Once we are in receipt of these releases, we will be in a position to issue the settlement checks. Tell us why here

Dear Mr***, We are in receipt of your recent complaint submitted to the Revdex.com on 10/9/17, wherein you disputed the fairness of your bodily injury and your property damage settlementsYou had also indicated that you had difficulty in reaching a
representative It appears that you have been in constant contact via telephone and email with the assigned Claims Specialist, *** *** throughout the life of the claimI do not show that you ever escalated any matters due to a lack of contactWith respect to your injury settlement, on 9/14/17, you conveyed to the Claims Specialist that you had mild pain to your left ankle and footYou indicated that you had not sought any treatment and did not intend to do so. Once coverage and liability were established, the Claims Specialist extended an injury settlement offer of $on 9/18/17, to which you accepted. As of 9/25/17, you deposited the settlement check marked as full and final settlement of your bodily injury claimAs such, we consider all matters regarding bodily injury concludedAs to your property damage, per our review you completed your vehicle inspection on 9/26/Your vehicle was deemed a total loss and on 10/2/17, the Total Loss Department appraiser reached out to you and extended a settlement offer in the amount of $Our offer was based your vehicle’s researched fair market value and a written offer along with our supporting documentation was mailed to your address of record. Your complaint is not clear with respect to what you are seeking as you note the disputed amount is $yet our offer exceeds this amountTo date we have not received any documentation or evidence from you to support that the prior settlement amount extended to you was inaccurate in any way. Sincerely, *** ***Claims ManagerMercury Insurance Company Sincerely,MERCURY INSURANCE SERVICES, LLC*** ***Claims Branch ManagerClaremont Claims Branch #74Rancho Cucamonga California ________________________________________________________________P.OBox Rancho Cucamonga, CA | (888) 917-x25600| FAX (909) 919-7377 why here

The above listed complaint has been resolved and the total loss of the customer vehicle has been paid. Our official response to the complaint is attached above

A renewal offer was mailed to Mr*** on 4/1/to be effective 5/1/16. Mr*** had set his policy up for automatic withdrawals by signing a form that states that the Company needs business days to stop a debit from occurring on a policy. Mr***'s renewal payment was deducted on
4/29/and we have no record of him contacting the company until 5/3/to sign a request to cancel coveragesPolicies are canceled effective 12:01a.mthe day following written receipt of the request to cancel and we use a short-rate table rather than a pro-rate table to calculate the refund any time a policy cancels prior to the expiration date. The only time we do not use a short-rate table is when we initiate the cancellation for underwriting reasons. This is a cancellation fee equal to 10% of the unearned policy premiumBased on receiving the signed request to cancel on 5/3/from the customer, the policy was canceled effective 5/4/and the refund of $is correct. No further refund is due to the customer at this time

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The reason my tow from Road America Towing was canceled was due to a minute wait to get a Tow truck to the scene of the accident, which was blocking trafficNot to mention, they would have towed it an hour drive away from the scene of the accident.The police officer was nice enough to arrange for a free towIf any Mercury agent had taken a minute to give me a phone call and find out how I was doing or what had happened, they would have found that the car had been towedWhy didn't anyone see that the towed had been canceled? Did anyone care to see if there wasn't a car in their yard?Those loss of two days waiting for Mercury to get their act together essentially cost me addition days because of aforementioned negligenceIf anyone from Mercury had made just the slightest effort to look into my case the day of the accident, the car would had been towed two days earlier
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint
resolved
The company has changed its position and agreed to give me the appropriate refund.Thank you. Regards,
*** ***

We have reviewed Mr***'s complaint and have forwarded it to a manager at *** which is the roadside assistance company that Mercury contracts with for further information and have asked them to contact the customer directly

Revdex.com:
It wasn't about fairness but lack of professional ethics that your office exhibited thru this whole process Actually, I was supposed to receive a call from you Ms***I never did I still would like that phone call from you to resolve this issue I have
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

As stated previously, the Company welcomes Mr*** to submit proof that the Acura was sold or insured through a different carrier prior to the cancellation of the policy June 23, to possibly backdate the removal of the Acura

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

This is a disputed loss in which Mr*** vehicle was struck while it was parked and unoccupied. The Mercury Insured driver continues to dispute fault, but the property damages exceed our insureds policy limits. We have made pro rata property damage offers to the vehicles
involved in the loss. Of the property damage exposures, we have only received a signed property damage release from Mr***. As we have previously explained to Mr*** and in order to fully protect our insured, we typically require that all of the signed property damage releases for the pro rata amounts be returned before resolving any individual claimant. However, we've recently discussed the situation with the Mercury Insured, who has agreed to resolve Mr*** claim based on the signed property damage release we've received from him. The property damage check will be mailed out on Tuesday, Feb6,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

As previously stated, the amount we deducted from the insured's current policy was to satisfy an outstanding balance on a previous policy. This was premium that was fully earned and therefore, will not be refunded

Mr***,
This
is in response to your request for further review of your complaint by upper
managementI have reviewed your complaint, and have discussed with Mr
*** your concerns about your communications with himI apologize for
your dissatisfaction with how you feel you were treated, and any
miscommunications regarding your conversationsHowever, with regards to your
claim for wage loss during the process of handling your property damage
claim, please note that you are not entitled to payment for this according to
California law Therefore, no payment is due to you for any lost wages
you sustainedAt this time, it appears you have been fully compensated for
your property damages in accordance with the law of the state of California
***
***
Divisional
Claims Manager