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Penn National Insurance Reviews (45)

levellfo1;">The final quarterly bill was mailed on 10/24, with a due date of 11/(as per the installment schedule that showed on page two of the first system invoice, dated 4/24)After the day grace period expired, a Notice of Cancellation for Nonpayment of Premium generated on 11/18, with a final cancellation date of 12/The customer paid via a credit card on 11/21, which rescinded the Notice of Cancellation Additionally, I’ve confirmed that the address used for both the invoice and Notice of Cancellation is correct, and matches all areas of our system - there is no reason why the customer would not have received it

Complaint: [redacted] I am rejecting this response because: I reached out to the agency again and they are refusing that they can correct the issue They are saying it's a Penn National issue Regards, [redacted]

Re: File ID [redacted] Dear Ms [redacted] ,In response to your request received in our office on 03/25/15, we provide the following information.We have been in correspondence with the NC State Insurance Department about this matterWe are regulated and reviewed by that department to ensure full compliance with the laws of the stateTo protect the privacy of the policyholder, we cannot disclose any specifics about this matterIf you require specifics, please direct an inquiry to the State Insurance Department, since they have the authority to either disclose or not disclose further information.We hold ourselves to the highest standard of regulatory compliance, and assure you that we are operating consistently with the regulations of the stateThe State Insurance Department could provide you with independent verification of our compliance.Sincerely, [redacted] Personal Lines Underwriting Manager Greensboro OfficePennsylvania National Mutual Casualty Insurance Company NAIC # ***Penn NationalINSURANCECc; [redacted] Administrative Assistant

Our records indicate that a claim was submitted to ISO (Insurance Services Office)which may be generating the adverse Clue ReportWe suggest that [redacted] should contact her insurance agent to inquire about how the claim was reported to ISO and ask if the agent can correct thisThe agent is the policyholder's service provider and can assist in this type of matter

Although we empathize with [redacted] *** over the expenses she faces, we stand by our original conclusion, which was based on the information we gathered and subsequently reviewed in detailThe information that we gathered and reviewed supports our decision

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I cannot find in any of my paperwork the documentation you posted I have found if Penn National decides to cancel the policy but nothing if the customer cancels (nice little booklet)I started doing business with your company in 4/2012, but my policies ran in six month cycles My current policy was effective as of 10/30/- 4/30/15, I added an additional vehicle on 11/4/and changed the deductibles on the other insured vehicles, paperwork was submitted on 11/19/to cancel as of 12/1/ Nothing in the cancellation paperwork stated your cancellation fee policy Also, from what you posted as your cancellation policy that one way or the other Penn National is going to try to gouge somekind of extra fee for terminating service with your company, even if I cancelled before the renewel date of 10/30/14, there would have been somekind of cancellation fee? I guess it's a win-win for Penn National all around, increase premiums every six months, and burn the customer if they try to take their business elsewhere I would like the full version of your cancellation policy, and I will pay the difference for days of coverage for the additional auto Regards, [redacted]

I have reviewed detailed information about this account with our billing staff membersOur industry is highly regulated, with very strict rules for timing of billing and for documenting notices of cancellation for late/no paymentI have reviewed the documentation, including confirmations of our mailings, and my review confirms that we followed all regulatory rules for informing the customer that payment was overdue, for informing the customer of impending cancellation and for all related documentation and proof of mailing and complianceIt would be improper of me to attach copies of these documents, since they show private financial facts and details about this client's accountIf we were challenged by the state department of insurance to prove that we had complied with all consumer protection procedures, we could share those private files with the state regulatory authoritiesIn short, I can offer complete assurance that we have followed all regulatory rules and proceduresIf you need to gain a second verification of my statements, I would suggest that you contact the New Jersey State Department of Insurance, since they would have the authority to request and review the customer's private financial files.Please contact me if you have any additional questions about this issueI respectfully request that based on my statements and on any additional investigation that you might choose to make with the insurance departement, you close this caseThank you

Although we cannot reveal specific financial information about this customer or any customer, due to the requirement of protecting the privacy of policyholder financial records, I have provided a PDF that shows copies of the following: A copy of our invoice to the policyholder A copy of our subsequent notice of insurance cancellation due to non-payment of premium A copy of the proof of mailing for the notice of cancellation of insurance A copy of the collection letter for the premium balance that is still due from the prior period of the insurance contract that the policyholder did not payDollar figures, policy numbers and personal mailing addresses have all been redacted due to our requirement to maintain the privacy of such dataI have also attached a form that the policyholder can use to pursue a complaint with the regulatory authority with jurisdication, which is the New Jersey State Department of InsuranceEach state regulates financial services transactions and operates consumer advocacy proceduresAlthough we have complied in every way with the regulations in the state of New Jersey, if the policyholder believes otherwise, the policyholder can seek advocacy from the NJ State Department of InsuranceWe are required to follow the rules of that authorityWe regret that the policyholder is displeased with what has transpired, but we must inform you that we have followed the letter of every law that regulates the collection of premium and the cancellation of policies

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 Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have not received a paid settlement for the total loss of my Vehicle, although the lien holder was paid on the 5th of Jan, there was an amount of dollars left overI don't know where the remainder of that check wentConcerning the T.V's they were thrown from the bed of the truck along with everything else from the force of the impact, the T.V's were flat screens and I assume it would be common knowledge if they hit the ground with force they would no longer be operable, there has not been any additional items added to the list of things I lostThe majority of the items are in plain view in the Truck bed that I sent pictures of to MrB [redacted] including my weed eater, motorcycle shield and other items I had in the truck, Mr.B [redacted] is being deceitful and dishonest in his responses to you, he is not keeping me informed in a timely manner, when I get Emails from Mr.B [redacted] it is always because I have to initiate itI feel that he has had an adequate amount of time to settle this claim, especially when I have informed him that the tools are detrimental and a requirement for my job duties, and my Supervisor is not sympathetic to fact that I don"t have themI would like nothing more than to have this Claim settled and over withAny help you can render me would be greatly appreciatedI also informed MrB [redacted] of the change of my address if he decides to claim that as an issueHopefully I will hear back from you soon, Thank You for helping me in trying to get this matter resolved Regards, [redacted]

We have investigated the circumstances and are providing the following information, which demonstrates that we have fulfilled our obligationThe initial repair shop's decision to impound the vehicle unless the owner pays an unwarranted release fee is the problem that the vehicle owner facesWe
fulfilled our contractual obligation under the terms of the insurance policyThe complaint should be against the initial repair shop, which seems to be charging the customer an unwarranted fee.The following is a copy/paste of information I received from the claim adjuster who handled this claim.The insured’s vehicle required an engine replacement as a result of the insured driving the vehicle after hitting a deer, until the engine overheated and the vehicle stopped.The shop sublet the repair to a mechanical facility across the street as they were not able to perform these repairs. We paid the 25% mark up on the engine assembly (standard practice) which was included in the invoice from the mechanical shop to the body shopThe body shop marked up the entire invoice (part and labor) and wanted paid for that on their supplement. Our position is that we do not pay any mark up on sublet labor, only the labor charges without mark up. The invoice submitted already contained a 25% markup on the engine assembly which we did pay.After speaking with the shop several times and the insured several times, the shop insisted on these charges and required the insured to pay the mark up before they would release the vehicle

Our records indicate that a claim was submitted to ISO (Insurance Services Office)which may be
generating the adverse Clue ReportWe suggest that *** *** should contact her insurance agent to inquire about how the claim was
reported to ISO and ask if the agent can correct thisThe agent is the policyholder's service provider and can assist in this type of matter

We are sorry to hear of your dissatisfactionHowever, we conducted all aspects of this process in accordance with regulatory requirements and in accordance with procedures for this type of transactionConsumers are provided with assistance and advocacy by state departments of insurance, and you could review your position on this matter with the insurance department, which would serve as a neutral resource in evaluating this situationAgain, we are sorry to hear of your dissatisfaction

We received this claim last weekWe are the excess insurance carrier for *** *** *** in the event that one of their drivers has an accidentPrimary insurance falls to the insurance carrier of the driverWe received a coverage denial letter from the driver’s insurance carrier so we
completed an investigation of the claimPer the statements of both parties and the police report, there are conflicting statementsBoth parties are stating that they had a green light and the police report was unable to conclude who had the green/red lightLiability was unable to be determined so Mr *** received a letter stating such

We are reviewing our files and will respond with information shortly

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. As long as Penn National stand by their decision that they will stand by their decision that they will reimburse my out of pocket expense of having my car diagnose should it be determine that the mechanical issues with my car was due to the head on collision as related to 06/23/2016.Once determined my car would be repaired as due to my full coverage policy
Regards,
*** ***

+1

We have reviewed correspondence between the insured and the agentWe distribute our insurance products through independent insurance agenciesThose agents are independent, and not employed by usQuestions or disputes relating to
business interactions between the insured and the agent are not within our span of control, and the insured must interact directly with the independent agent whom she worked with when buying insurance for her vehicles

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I never received the cancellation notice which would have prevented my auto policy from being cancelledI have forward the required form to the NJ Dept of Banking and Insurance todayPlease advise of next stepThank you
Regards,
*** ***

We have reviewed the complaint carefully, including headquarters-division inquiry and correspondence with the field staff involvedThe following summarizes our positionOur inspector carefully noted that there is no visible steering or suspension damageThere is also no steering or suspension
damage listed on our appraisers estimate and the insured’s shop did not identify any steering or suspension damage related to this lossOur adjuster has inspected the vehicle and our staff member has spoken to the insured several timesWe have not denied the supplement, but there is prior damage to the vehicle and we can’t see any physical damage that supports this being loss relatedThe original repair shop was not able to provide our appraiser with a cause for the steering problem and why it was loss related, but did inform our adjuster that the vehicle was in a prior loss and not completely repairedWe told the insured we were not denying the supplement but we would not be able to approve it unless we could determine that it was related to this lossWe told the insured she needed to take the vehicle to a shop of her choice that could diagnose the steering problem and if the shop felt it was related to this loss they needed to call our appraiserThe insured stated she was going to have the dealer diagnose the problem but the dealer told her there are three fault codes identified in the vehicle and they want $for each one to diagnose the problemThe insured wants us to pay for the diagnosis and damageWe told the insured that if any of the codes were related to our claim we would pay the diagnostic fee for the codes related to our claim and the related damage but if they were caused by a prior loss or are unrelated to our claim we would not pay for them.We have fulfilled our contractual obligation in this claim and have clearly communicated our decision to the insured

We have again reviewed our records and as the writer indicates, we did not process or pay a claimIt is possible that if there was another party involved in the accident, and the two parties exchanged drivers' licenses and insurance information, the other party could have reported that information, which might have resulted in a record of an accidentWe are not able to alter such records that are outside of our own systems and controlThe writer should again contact the insurance agent involved to seek advice and assistance, and the writer might be required to directly contact the entity that the writer says created a record of a claim

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Description: INSURANCE COMPANIES

Address: 2630 Elm Hill Pike # 300, Nashville, Tennessee, United States, 37214-3178

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