We received a letter regarding a complaint on our company for not paying a claimThe letter was sent on November 24, but we did not receive it until our return from Thanksgiving November We are independent insurance brokers and represent many carriersOur carriers are “A” rated carriers with great track records for handling claims, but in this case the client’s claim was denied for the damages submittedThe cited reason was equipment added to a utility trailer that had been converted into a camperThe carrier said we could have endorsed the policy and would have had we known the equipment had been addedWe received the request to add this trailer on May 8, The notes we have on this trailer states, “add a utility trailer and vehicle id number.” There are no notes regarding equipment on the trailerWe keep notes on every conversation we have with our client’s and have done so since the beginning of our agency in We virtually never do inspections on vehicles we place with our carriers and it is not required by the companies we representWe take dated notes on conversations we have with client’s for that reason to help eliminate misunderstandingsWe are truly sorry that the equipment added was damaged, but the carrier had no knowledge nor did we according to our notesFinally, we have no control over the claims our carriers pay or deny, even though we fought with our carrier to get this coveredWe, as an agency, have no ability to pay for the damage nor would we based on the client’s word versus our notesWe know that the client is frustrated and upset with the claim denial and for that we are truly very sorry! Sincerely, Rick B***, Agent/Owner
We received a letter regarding a complaint on our company for not paying a claimThe letter was sent on November 24, but we did not receive it until our return from Thanksgiving November We are independent insurance brokers and represent many carriersOur carriers are “A” rated carriers with great track records for handling claims, but in this case the client’s claim was denied for the damages submittedThe cited reason was equipment added to a utility trailer that had been converted into a camperThe carrier said we could have endorsed the policy and would have had we known the equipment had been addedWe received the request to add this trailer on May 8, The notes we have on this trailer states, “add a utility trailer and vehicle id number.” There are no notes regarding equipment on the trailerWe keep notes on every conversation we have with our client’s and have done so since the beginning of our agency in We virtually never do inspections on vehicles we place with our carriers and it is not required by the companies we representWe take dated notes on conversations we have with client’s for that reason to help eliminate misunderstandingsWe are truly sorry that the equipment added was damaged, but the carrier had no knowledge nor did we according to our notesFinally, we have no control over the claims our carriers pay or deny, even though we fought with our carrier to get this coveredWe, as an agency, have no ability to pay for the damage nor would we based on the client’s word versus our notesWe know that the client is frustrated and upset with the claim denial and for that we are truly very sorry! Sincerely, Rick B***, Agent/Owner