NYCM Insurance

Thank you for forwarding the recent correspondence your organization received regardingNYCM Insurance.This policy was written with NYCM Insurance effective October 18, In reviewing theinsured's application, it states that the insured is singleDuring our underwriting process wediscovered that the insured was married and his wife was added as a licensed operator in thehouseholdThis changed the premium from $1,to $1,If that information wasdisclosed on the original application the insured would have received the correct premium.The policy is currently in force and the insured recently made a payment on December 27,2016.If any additional information is needed please feel free to call.Very truly yours,Mark A [redacted] Vice President

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The insurance policy was in place at the time of the accidentIs it the car that is covered or the driver of that car covered by insurance policy? Isn't there any legal action on the part of NYCM Insurance can proceed with ? The Insurance Cotakes the payments for the policy without any other identification procedure, no questions asked, but hesitate to settle this claim until confirmation from policy holderIsn't this policy valid? Regards, [redacted]

April 13, 2016Revdex.comBRYANT WOODS SOUTHAMHERST NY 14228File #: Revdex.com- [redacted] Complainant: [redacted] ***Dear Revdex.com: [redacted] ***’s personal automobile policy was assigned to NYCM by the New York Automobile Insurance Plan on May 4, The policy was effective April 29, NYCM is not licensed to write commercial automobile insurance in New York state, therefore, our Special Investigation Unit investigated the usage of the Ford EconolineThe insured removed the advertising from the previous owner, however, he advised that his cousin, [redacted] was an occasional operator of the vehicleTwo requests for [redacted] s information were sent to the insuredOn several occasions, Mr [redacted] stated “he did not know a [redacted] ***”, yet in another phone conversation, he stated “ [redacted] lives in Brooklyn and has his own car insurance”A cancellation notice was mailed on September 8, for failure to remit the information on [redacted] ***The policy cancelled on September 29, On October 7, 2015, NYCM received another personal automobile assignment for [redacted] to be effective October 2, Two more requests were sent for information on [redacted] ***As this information was not received, we mailed a cancellation notice to the insured on November 20, The policy cancelled on December 14, If I can be any further assistance in this matter, please contact me at 1- [redacted] Ext***.Sincerely,Kate ***Assistant Vice President

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowThis is a typical non answerHere are the factsThe company did not pay for all the damages due to the claimThey then used the adjuster as an opportunity to review my entire houseThey told me I had to make numerous repairs that were not neededThey then canceled my insuranceThey gladly accepted my premiums for eleven yearsWhen I needed the insurance they breached their fiduciary responsibility and left me with a major issueThe repairs they wanted to me to make were far in excess of the claim and were not neededIt is truly stunning that they are not held accountable for their unethical business dealingsbut it is no secret why the insurance companies have such a strong lobby.As a mutual company, I was an owner at the time and appalled at how the treated me as a customer and owner.The culture of obfuscation was systemic throughout the organization from the CEO down to the receptionistBut it has been well documented that mutual companies answer to no oneMy guess is this will just be filed in the proverbial bureaucratic etherThus this business practices will continue in perpetuity Regards, [redacted]

Dear Complaint Handler: The following breakdown represents the transactions on the complainant’s policy.Policy Period 10/15/– 11/19/2015Amend address $5.00Policy Period 11/19/– 11/19/$1,482.00Cancelled effective 07/26/days @ $$1,015.00DMV fee for vehicle $10.00Amend address eff 11/19/$44.00Cancelled effective 07/26/days @ $ $30.00Replace [redacted] w/ [redacted] 02/20/$14.00Cancelled effective 07/26/days @ $ $8.00DMV fee for vehicle $10.00Installment fees on billings $20.00Late fee on DN $10.00TOTAL COST $1,108.00Payment received 11/16/$257.00-Payment received 01/12/$262.00-Payment received 03/08/$238.00-Payment received 05/04/$40.00-Payment received 05/19/$268.00-BALANCE DUE $39.00We have notified [redacted] to close this file and remove this balance from the complainant’s credit report.Very truly yours,NEW YORK CENTRAL MUTUALCollections Dept

Dear Sir or Madam: This response acknowledges your recent correspondence on the above captioned matterThis dispute arises over payment for damages to the Complainant’s vehicle as a result of a motor vehicle accident on 12/5/On 12/6/2015, we received our first notice of this loss via telephone from the Complainant.She reported that she was at the intersection of Jefferson Street and East Utica Street in Buffalo, NY when our insured vehicle turned in front of the ComplainantOur insured vehicle reportedly struck the Complainant’s vehicle on the left frontOn 12/7/2015, we received our insured’s loss notice via telephoneThe insured reported travelling straight on Jefferson Avenue when the Complainant, on Jefferson in the opposite direction, went around a parked car and struck the insured vehicleOn 12/7/2015, we sent accident report forms to the insured and the Complainant for completionOn 12/9/2015, we received a copy of the Police Accident Report in which our insured is identified as Veh and the Complainant is identified as Veh The Accident Description/Officer’s notes state “At location of Jefferson & EUtica Veh & Veh did have green lightVeh turning Wbound on Utica did strike Vtraveling southbound on Jefferson which then struck Veh which was stopped at red light facing ebound on EUtica.” On 12/11/2015, we sent an accident report form to the owner of the third vehicle involved in this accident.As of this date our claim is still under investigation pending receipt of all of the completed accident report forms, so a liability determination can be made Very truly yours, Tina *** Examiner Supervisor II

Thank you for forwarding the recent correspondence your organization received regarding NYCM InsuranceWe are currently discussing potential solutions with the insured's agent with regards to maintaining coverage on this policyWe will follow up with you shortly to let you know the outcomeVery truly yours, Mark AG [redacted] Vice President

Thank you for forwarding the recent correspondence your organization received regarding NYCM Insurance This policy was originally written with New York Central Mutual effective May 20, On May 27, a letter was sent to the insured asking them to make certain repairs to the dwelling On September 3, 2015, we issued a notice of cancellation effective October 5, as the insured failed to make the necessary repairs to keep this dwelling insurableWe have also sent corrections to a loss database so the insured's loss will show as one incidentPlease find a copy of correspondence sent to the insured from our claims department confirming that the insured intended to discontinue the appraisal requestIf any additional information is needed please feel free to callVery truly yours, Mark AG [redacted] Vice President

Dear Sir or Madam:This response acknowledges your letter dated September 14, 2017.NYCM Insurance has an obligation to the insured to investigate all claims submittedagainst their policyThe investigation has concluded and payment has been issued to thecomplainant for her damages.If any additional information is needed, please feel free to contact me.Very truly yours,Danielle MB [redacted] CX Analyst I###-###-####

Attached please find response. Thank youThis acknowledges the receipt of your September 02, 2015 letter. NYCM Insurance agrees to accept $37.50 instead of the $47.00 still owed to the company. This offer is good until September 29, 2015. If NYCM does not receive payment by that date, then we will look to collect the original amount of $47.00. If any additional information is needed please feel free to contact me.Very truly yours,Mark A. G [redacted] Vice President###-###-#######-###-#### (fax) [redacted] @***.comMAG:kkm

Thank you for forwarding the recent correspondence your organization received regarding NYCM Insurance It is unfortunate we had to nonrenew the insured's policyWe worked with the insured overa three year time frame regarding the repairs to the homeDuring that time additional issues were identified which also needed to be addressedWe would be happy to renew the policy if she addresses the issues identified in the nonrenewal notice If any additional information is needed please feel free to call Very truly yours, Mark AG [redacted] Vice President

Response attached Thank you for forwarding the recent correspondence your organization received regarding NYCM Insurance.On June 4, we received a copy of a [redacted] ID card effective March 20, We will use this information to cancel the policy effective March 20, If any additional information is needed please feel free to contact me.Very truly yours, [redacted] * [redacted] Vice President###-###-#######-###-#### (fax) [redacted] @***.com

Please see the uploaded responseThank you. Date of Loss: 08/25/2017 Revdex.com ID Number: ***Dear Sir or Madam: This response acknowledges your letter dated October 10, 2017. NYCM Insurance has an obligation to investigate all claims thoroughlyThe investigation has
concluded resulting in a denial of coverage based on the policy provisions. If any additional information is needed, please feel free to contact meVery truly yours, Danielle MB*** Claims Experience Specialist I ***

Thank you for forwarding the recent concern your organization received regarding NYCM InsuranceThis policy was originally written with New York Central Mutual effective December 20, Upon receipt of the application we noted that the insured's wife had activity on the motor vehicle report,
which resulted in an additional premiumOur standard operating procedures would be to add the wife as an operator onto the policy, even if she has her own car insuranceIt does appear there was a breakdown of communication between New York Central Mutual and the agent regarding this issueWorking with the insured's agent, we have agreed to remove the wife as an operator and honor the original premium that was quotedWe will send this correction to the insured within the next five business daysIf any additional information is needed please feel free to contact me.Very truly yours,*** ***Vice President###-###-#######-###-#### (fax)***@***.com

Thank you for forwarding the recent correspondence your organization received regardingNYCM Insurance.NYCM Insurance provided coverage for the insured from February 19, to October 06,at a premium of $1,with a mandatory NYS DMV fee of $10, totaling $1,Theprorated premium for the
policy period was $per day equaling $694; when you add in theDMV fee of $10, the balance owed is $The insured paid $in monthly installmentsof $When you subtract the $owed for coverage provided, this left the insured with arefund of $40.If any additional information is needed please feel free to call.Very truly yours,Mark AG***Vice President

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
The proposed resolution requires me to install a costly alarm system equipped with central station monitoring which has an ongoing monthly chargeI am currently shopping for coverage with other companies. Regards,
*** ***

NYCM Insurance's response is attached, Dear Sir or Madam: This response acknowledges your letter dated March 8, regarding the above captioned matter. The dispute arises over payment for damage to the Complainant’s vehicle which allegedly occurred on February 19, On February
26, 2016, NYCM Insurance contacted their insured who advised that they were travelling in the left lane, and saw the Complainant off the left side of the road after he lost control on the slippery pavementThe NYCM insured moved to the right side of the lane to avoid the Complainant’s vehicle and hit a snow drift which threw him into a vehicle travelling in the right laneThe NYCM insured states that after hitting the vehicle in the right lane, he was forced back over to the left lane, but he was already beyond where the Complainant’s vehicle was off the road, and did not strike the Complainant’s vehicleNYCM Insurance understands that the police report indicates that their insured struck the Complainant’s vehicle after striking the vehicle in the right laneHowever, the police officer did not speak to the NYCM insured until a few days after the accident as they were transferred by ambulance to the hospital from the sceneOn February 26, 2016, NYCM had an automobile appraiser inspect the damage to the Complainant’s vehicleThe Complainant had previously advised that the collision with the NYCM vehicle was to the left side of his vehicle, and caused his driver’s side window to breakHe further stated that this impact pushed his vehicle into a guard rail, causing more damageThe appraiser determined that there was no damage near the window of the Complainant’s vehicle that would indicate that a collision had occurredThe appraiser did note that there was minor damage to the left front of the Complainant’s vehicle; however, the paint transfer is white, and the vehicle owned by the NYCM insured is goldHe also advised that the damage to the left front corner of the Complainant’s vehicle was not significant enough to have pushed the vehicle into a guard rail or even move the vehicle at all.An inspection was also done of the NYCM vehicle, and there was no damage found to the left side, which according to the Complainant, is the side that struck his vehicleAs a result of the appraiser’s findings, along with the NYCM insured maintaining that he did not strike the Complainant’s vehicle, NYCM stands by the denial of the Complainant’s claim. If any additional information is needed, please feel free to contact me. Very truly yours, Tracy G***Claims Customer Experience Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I paid for a policy which ended on March 17, As of March 17, 2015, business was concluded with said companyIt was solely the company's decision to extend the policy for another monthAs of March 17, 2015, no further contact or insurance coverage was needed from company, as I had wrote to them times that
I ( not them) have cancelled the policyState law does NOT require me to send them copies of my new insurance, nor supply them with any details of such

Attached please find the company response for this complaint. Re: Date of Loss: 9/2/2015 Revdex.com ID Number:***Dear Sir or Madam:This response acknowledges your recent correspondence on the above captioned matterThis dispute arises over payment for damages to the Complainant’s vehicle
as a result of a motor vehicle accident on 9/2/2015.On 9/2/2015, we received our first notice of this loss via telephone from the operator of our insured vehicleShe reported that she was traveling on *** Road in front of theComplainant’s vehicleAs our driver was making a right turn, the Complainant approached the insured on the right and the vehicles collided.On 9/2/2015, we also received a telephone call from *** on behalf of the ComplainantThe *** representative reported that the Complainant was in the right lane and thedriver of our insured vehicle was in the left laneAs our vehicle merged into the right lane it struck the Complainant’s vehicle.On 9/3/2015, we attempted to contact our named insured to put him on notice of the loss reported under his Personal Automobile Policy and to verify that the driver had permissionto operate his vehicle.On 9/3/2015, we sent a claim acknowledgement letter and Report of Claimant to the Complainant.On 9/4/2015, we received a copy of the Police Accident Report in which the Complainant is identified as Driver #and the driver of our vehicle is identified as Driver #The Accident Description/Officer’s notes state “On the above date and time, Driver #states that she was northbound on *** Rd in the blk when vehicle #made a right turn from the leftlane in front of her causing the accidentDriver #stated that she was up against the curbing and could not move any farther to the right and attempted to stop when vehicle #2turned in front of herDriver #stated that she was Northbound in the blk of *** Rd and was struck by vehicle #as she turned in to the Bank of America parking lot.Driver #stated that Driver #drove up on the right hand side of her as she was turning“On 9/11/2015, we sent an Insured’s (or Driver’s) Supplementary Accident Report form to the insured for completionOn the same date, we also sent him a letter notifying him thatconsideration of this claim was delayed pending his completed Supplementary Accident report and requesting he contact our office to verify permissive use of his vehicle to and toadvise whether he was making a collision claim.On 9/14/2015, we received the Complainant’s completed accident report formThe Complainant states she was proceeding north on *** Rdin right hand lane (of lanes), noticed a car to left of her getting closer, the Complainant applied her brakes and was at a standstill when driver of our insured vehicle proceeded to sideswipe her vehicleThe collision resulted damage to the bumper and headlight assembly of the Complainant’s car.On 9/15/and on 9/22/2015, we attempted to contact the insured for a detailed accident descriptionOn both occasions call back messages were left on his voice mail.On 9/24/2015, we sent a Second Request Insured’s (or Driver’s) Supplementary Accident Report form to the insured for completion.On 9/24/2015, we also sent a letter to the Complainant notifying him that consideration of this claim was delayed pending his completed Supplementary Accident Report.As of this date our claim is still under investigation pending receipt of our insured’s loss statement and verification of permissive use.If any additional information is needed, please feel free to contact me. Very truly yours, Tina D*** Examiner III ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. I do not accept this response because both the insured and NYCM are not being truthfulThe insured gave a statement to the officer prior to leaving with his wife in the ambulanceAll three of us were sitting in the back of the police officer's car telling him what happenedSecond, the insured 's car is white and arguing about what shade of white is not an excuse to not acknowledge that he struck my vehicleThe vehicle comes in white or beige not goldThe paint is still there on my car and it matches the color of the his vehicle exactly as I saw it Also, the insured could not see what he hit because his airbags were deployed and he was still slippingI saw his vehicle hit mine, and bounce off to hit the guardrail a few feet ahead of where my vehicle wasMy first interaction with the insured was him asking me, "Did I hit you?" The police report acknowledges that his vehicle bounced off the truck that he had hit in the right lane, then hit my vehicle and bounced off of mine as well before hitting the guardrailMy broken window right above the traded paint marks on my vehicle is evidence of thisI was the closest witness, and the police heard his statementThere is no plausible reason for NYCM to refute the police reportAnd I very much don't appreciate how NYCM is using their insured's statement above all else with regards to this incident considering their age and vantage point. Regards, *** ***