NEW YORK LIFE INSURANCE COMPANY

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowRegards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Regards, [redacted]

The calculations you have provided us with are based on your policy cancelling on a pro-rata basisHowever, when a policyholder voluntarily cancels his/her policy more than days after the policy effective date, the cancellation is subject to a short rate factorThe percentage of this short rate factor decreases with each month that a policy is in effectBecause your policy was effective for more than three months but less than four months, a short rate factor of is assessed against the annual premiumThis is not unique to Safety InsuranceSection of your policy references Cancellation and RenewalSpecific language states “If we cancel, the amount of your refund will be determined by a pro rata table based on the number of days the policy was in effectIf the policy is cancelled by you or by law, you will get a refund which is less than proportional to the time involvedIt will be based instead on a “short rate” table which compensates us for our expenses in servicing your policy.” The charge associated with the early termination of your policy is valid, however, in consideration of your payment history and the many years you were a customer of Safety Insurance, we will make an exception and waive the short rate chargeThis credit will eliminate your balance and result in a refund of $which will be mailed to you today

Safety has responded directly with Mr*** and further information should be obtained from him Thank you

A portion of the insured’s claim was denied based upon an expert engineering report provided by [redacted] *** This report questioned the cause of loss for many items the insured’s contractor had sought to repair or replace After re-evaluating both the expert report and the independent adjuster’s report, we contacted the policyholder, [redacted] , and resolved the matter We reached agreement with him and a supplement payment was issued to resolve the claimPlease see the attached letter to the insured confirming our discussions regarding this matter Tell us why here

When a policyholder chooses to finance their premium with a premium finance agency, part of the agreement grants limited power of attorney to the premium finance agencyPayment of the premium is sent to Safety in full and the policyholder is responsible for repayment to the premium finance agency according to the terms of the noteLimited power of attorney gives premium finance agencies the legal right to request cancellation of the insurance policy if payments to them are in defaultIn accordance with M.G.Lc 255C, § 21, if the premium finance agency wants to rescind a pending cancellation notice, then it must do so in writing and Safety must receive that written notice on or before the date on which the policy’s cancellation will be effectiveSafety received the request to rescind cancellation days after the cancellation effective date, therefore, the request was deniedIn summary, this policy was not cancelled by Safety InsuranceInstead, it was cancelled by the premium finance agency when they exercised their legal right to do soReferring you to your agent so that you may discuss your replacement insurance coverage options was appropriate and in your best interest

We received a copy of Ms [redacted] ’s complaint to you about her homeowner policy with Safety Insurance.We do routinely review accounts like Ms [redacted] ’s that have had recent loss activity We do believe we are fair in our review and often take into consideration other factors beyond the loss itself in our renewal decisions In this instance we did learn of a prior bankruptcy history That bankruptcy, combined with the loss she had earlier this year, did make her ineligible for coverage with Safety As a result we did non-renew her policy on 9/30/15.It appears from reading Ms [redacted] ’s complaint that she does have coverage elsewhere We trust that whoever is her current agent broker can assist her with her questions about the price of her coverage for the current policy term.I hope that answers any questions you may have If you have any further questions, please contact me at [redacted] .Sincerely, [redacted] , CPCUHomeowner Underwriting ManagerTell us why here

Safety Insurance Company received Mr [redacted] complaint that was filed with your office on August 3, Safety Insurance contacted Mr [redacted] directly on August 4, and the issue has been resolved Your office should contact Mr [redacted] directly for further details of our conversation

Mr [redacted] first contacted Safety Insurance via a social media complaint on Sunday, Marth 26thSafety responded to Mr [redacted] directly via his email address on March 30th with the following explanation: “Good morning Mr***, Your message to Safety via [redacted] was delivered to me as it pertains to a billing related matter Finance charges are assessed on the unpaid premium balance at the time each billing statement is issuedWe identify the actual charge and include a message on the front side of statementsThere are considerable costs associated with supporting an installment payment plan including producing and mailing statements and processing paymentsThe finance charge assessed helps to defer the costsAs the balance decreases, the finance charge decreases as wellBelow, you will find detail pertaining to the charges assessed to date indicating how the charges were calculated There are a couple of options available to policyholders who seek to avoid installment chargesThe first is to pay the annual premium in fullWe realize this may not be possible for all policyholders and offer an Electronic Funds Transfer (EFT) program called Safety AdvantageWith Safety Advantage, installment charges are waived and you have the opportunity to choose your monthly withdrawal date at enrollmentThis payment option is available to you for both your automobile and homeowner insurance policies If this payment option is of interest to you, I would be happy to forward the Safety Advantage authorization form to youUpon completion, the form is returned to Safety via fax (preferred) or [redacted] mail, and the enrollment process begins Should you have any additional questions or concerns, please do not hesitate to contact me.” At 12:pm on March 30th, Safety received the following response from Mr***: “Its a scam and I hate your companyYour a professional crook and you want me to see your crooked side as okIts not okyou stealMaybe next year you can figure a way to steal from me in the pre billAnd now you want direct access to my account, haYou charge me $to mail me a bill, excuse me but that seems [redacted] , considering this: [redacted] Must be nice to take advantage of people, me I can't do itIt's just not right...” Mr [redacted] alleges a lack of interest on Safety’s part, however, his rebuttal did not appear to be seeking additional answers, therefore, none were offeredThe next contact by Mr [redacted] was via email on Tuesday, April 18, at 10:a.mas follows: Will you refund my charges of $16.29, $38.39, $or are you ready for me to file complaints? Please let me know by 12:pm 4/18/ Safety sent the following response at 11:a.m on April 18th “Good morning, All carriers are required to obtain approval from the Division of Insurance prior to the assessment of any service fees, therefore, the charges assessed to date are valid and will not be reversed The Division of Insurance provides consumer information relative to fees charges by carriersThis is public information as is available at: [redacted] As a reminder, we offer an EFT payment plan as an alternativeWhile many carriers assess a small service charge for their EFT payment plan, Safety Insurance does not.” Minutes later, Mr [redacted] responded with: “its ok I already filed the complaint, we will see about that reversal...” Safety Insurance maintains that the charges assessed are valid, as approved by the Division of Insurance, and were identified on the billing statement prior to being assessedContrary to his allegation, inquiries have been responded to timely, politely and completely

Our initial response to this complaint has not changed and we disagree with the contentions outlined in the rebuttal With respect to payment delays alleged by our policyholder, we have reviewed the four recent claims filed in the past six months and confirmed that all claim payments were issued timely and properly based on the circumstances involved in each loss

Good afternoon, I have just received a new complaint regarding *** ***Your complaint # is: ***. I can not find a Safety Insurance claim number for this particular personI’ve tried sending him an email personally but the email comes back as undeliverable. Do you have
any further information regarding this person or maybe a Safety Insurance claim number/adjuster so that I can forward this to the correct manager to handle a response? Thank you,*** ***Litigation AssistantSafety Insurance Company

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***.
I feel her explanation clearly shows the unfair business practice. Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to
complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

Safety
has responded directly with the complainant and further information should be
obtained from them

Dear *** ***,
Please find a copy of our response to Complaint ID Number ***. Please contact me directly if you have any questions or concerns
Thank you very much,
***

Tell us why here
We received a copy of Ms***’s rebuttal to our response on her complaint to you about Safety Insurance
We understand that Ms*** does not believe that our response satisfies her issues and/or concerns regarding her complaint. We do believe, however, that we did outline why we took that action that lead to her homeowner policy being non-renewed.
We thank Ms*** for allowing us to insure her home from 9/30/to 9/30/15. We are sorry that she is upset that we did non-renew her account but do believe our action was appropriate

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
This company does not return any calls, all business reviews are bad on Revdex.com, social media, online searchesThey treat customers with no respectIt's proven that I was LIED TO by my own insurance company which I pay monthlyI do not trust my money going into this companies hands since they have tried to screw me overNo payments were given in a timely manner, I have emails to prove all the trouble I had gone through and I'm sure I can obtain a call records from my cellular companyI am not settling unless it's what I want and if those wants are not met I will make sure to everyone is aware of how terrible this company is.
Regards,
*** ***

A resolution to this complaint was communicated directly to the customer today via voicemail and email and a letter is being sent to them today as well. We expect that this will resolve the matter.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint...

#[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]