New Jersey Medical Institute Kaplan Medical

A response was sent today 7/21/2016....at the time Mr. Abbey was added as a licensed owner to auto policy there were no accidents of violations reported to Travelers and the policy was rated accordingly.  Upon renewal Travelers obtained a Motor Vehicle Report which reflected a major violation,...

previously unknown to Travelers.  As a result physical damage coverage was removed as of the 2016 renewal and coverage placed within the [redacted]a Reinsurance Facility. Copies of that notification were enclosed with the response letter.  Regarding the personal articles policy....bills had been mailed however payment was not received.  Additional documents were sent (copies provided with the response letter) and policy would reinstate if payment received by August 14, 2015, the policy was not reinstated because payment was not received.

Complaint:[redacted]
I will close this case as soon as I receive the check as promised by Travelers, which has not happen to date.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  They did unfairly deal with me and my concerns were never addressed properly.  My advice is that they not deal in auto insurance since they are incapable of truly and honestly helping the insured.  
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I will accept that the claim has been resolved once the reinspection has been completed and a satisfactory resolution has been met regarding the diminished value claim.
Sincerely,
[redacted]

A response was sent via email from Travelers, 5/27/2015 as follows:
"Thank you for speaking with me by telephone on May 26, 2015
in regards to your inquiry filed through the Revdex.com.
As we discussed, In order to process the cancellation
effective May 15, 2015, the date you...

referenced it was donated, Please have
your mother sign the request form and return it to me along with a document
showing your mother is the executor over your brother’s estate.
Please let me know how I can be of further
assistance to you and your family during this time of need and again please
accept our sincerest condolences for your loss. "

[redacted]
I am rejecting this response because:  Insurance should cover situations that are unforeseeable  as well as any kind of issues that arise unintentional from the homeowner.  It was unforeseeable and unintentional that the air-conditioner was either improperly installed or improperly vented. Therefore the insurance company should fix the problem and then follow up with recouping their losses by pursuing the installer or the manufacturer  of the air-conditioner.  There should be a further investigation as to what calls the air-conditioner to malfunction as it did and once again that is not something that is the homeowners responsibility but something that should be covered under the insurance.  The heart of having insurance is to cover the major expenses that a home repair or catastrophe could incur on the homeowner. In this situation the heating and ventilation system is a major major expense. This could lead to the entire removal and replacement of the air conditioning system as well as the ductwork. However a further investigation would need to reveal exactly what is the cause and the culprit  of this malfunction or faulty installation. That is not the responsibility of the homeowner but that is the responsibly of the insurance company that covers the entire tea of the home.  If the investigation finds out that the defect in the machine was due to faulty maintenance on the part of the homeowner then it would make sense that Insurance agency does not pay further.  However that investigation was not conducted at the home when the insurance appraiser went to the home and spent time reviewing what damage was done to the home. Because the damage is just as important as the damage done. Therefore the investigations  is incomplete. In conclusion as recommended in the first letter that any logical person would see that an unforeseeable and unintentional destruction of property should be covered under homeowners insurance.   If the homeowner intentionally inflict harm upon his home then that would not be covered however the home itself is what is to blame. If insurance doesn't cover this then it doesn't make sense but insurance to cover anything else. 
Sincerely,
[redacted]

A response was sent 8/30/2016...sorry we overlooked uploading to the website.......
We have completed a thorough review of your automobile policy billing and can confirm that the $480.50 balance due is correct. I have included a detailed account of your billing history prior to the cancellation of...

your policy effective October 24, 2015 for your review.

Complaint:...

[redacted]
I am rejecting this response because:
In their response to [redacted] insurance dept, they stated I requested refund of payment, which is not correct. Their rep chose to issue refund before payment even cleared, a previous rep said to place a stop payment which was done. It appears their rep(s) made an error in refunding before they even received cleared payment. This is not my fault and this  information has been provided to my attorney in the event legal action is taken by Travelers in regard to this matter, a counter suit may be filed.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I have contacted [redacted]. They are not willing to this repair as...

Travelers estimate and adjustment. Reason:  1. The labor hours total are 15.7 hours from [redacted] but only 12.3 hours from Travelers. The difference: 3.4 X 50 = 170.00.  2. The part: Longo, $542.43, travelers, $378. The difference: $164.43. Total amount is short: $334.43. 
Sincerely,
[redacted]

A response was sent to Mr. [redacted], 10/23/2015 with an explanation, and it resulted in a $244.66 refund, which he should receive in 5 - 7 days.Regrettably, it was not made clear that your
policy would begin on July 9th during your phone call with our sales
team.  I understand that you called...

us
the day your renewal with your prior company was expiring and we are unable to
offer you same day coverage.  I have modified
your policy for the time you were insured with us and an additional refund of
$244.66 will be processed on your account.Again, thank you for taking the time to reach
out to us.  We are sorry to have lost
your business.  Again, thank you for taking the time to reach
out to us.  We are sorry to have lost
your business.

A response was sent to [redacted] 6/20/2016 as follows:
"I have reviewed the notes from the account and have no record that you contacted us either by telephone or in writing and requested your policy remain cancelled. We have adjusted the cancellation date of the policy as you are requesting and...

you now have a $0 balance due which has been communicated to our collections partners. No information about the debt was communicated to any consumer credit bureaus.
 
The reason for your policy cancellation as explained in your prior Revdex.com complaint was due to no Travelers Welcome Team interview to verify the rating information of your policy. A change in billing preference would not impact your eligibility for a Travelers policy. "

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Travelers claim has made several attempts to contact [redacted] however, there has not been any return calls to Travelers to discuss her complaint.

Complaint: [redacted]
I am rejecting this response because: this is a promise to deliver. I will report back if the promised paperwork indicating the accounts are in order is received. In the meantime, please keep this case open.
Sincerely,
[redacted]

5-7-1
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. THANKS Revdex.com, YES SINCE TRAVELERS ARE GIVING ME THE CREDITS TWICE OF $32=$64 DUE AS I INITIALLY REQUESTED. I'M SATISFIED.I SHOULDN'T HAVE TO FILE A COMPLAINT FOR TRAVELERS TO ACKNOWLEDGE MY BILL IS $752 INITIALLY!
Sincerely,
[redacted]

A response was sent 8/16/2016....
We have thoroughly reviewed our policy and billing records and see that all 4 refund checks totaling $540.39 that were reissued to you at your new address have been cashed since your inquiry was filed on August 2, 2016. We consider this matter resolved but are...

happy to answer any additional questions or concerns you may have. (contact information was provided in the response letter)

A response was sent to Mr. [redacted], July 6, 2015.    Travelers position has not changed, and since Mr. [redacted] now indicates he is represented by an attorney, his attorney should contact Travelers to discuss Mr. [redacted] issues.

A response was sent 12/11/2015.
I understand that you have replaced your auto coverage with another carrier on September 30, 2015.  Unfortunately, I was unable to locate a request prior to your recent call with our service center on November 23, 2015.
The cancellation of your policy was...

processed effective September 30, 2015.  A refund was sent back to your bank account on November 30, 2015.  I have included a confirmation letter for your records.  No further billing will occur under the policy captioned above.

A response was sent to [redacted] on 6/8/2016.
"In light of your correspondence, we completed a review of your policy records. Our review reflects that you purchased your [redacted] auto policy with us on September 28, 2015 by phone.  The policy was issued with a $500 comprehensive and a $500...

collision deductible, which was the same coverage that you had in place on your [redacted]
 
On October 27, 2015, we spoke with you by phone and reviewed the Quote Acceptance Forms that were sent to you for your signature.  We agreed to accept your verbal authorization that the policies were issued with the coverage limits and electronic billing option you requested. 
 
Your collision deductible has been changed to $250 per your request on June 2, 2016.  Based on our review, we are unable to comply with your request to adjust your coverage back to the inception of the policy.  We do not have any record that this was requested at the time you accepted the policy."

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]