Personal Service Insurance Company

[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 any offer or contact from the insurer as this letter states 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:If insurance company did not communicate all the charges mentioned in the reply to me in writing before they debit my accountThe lack of communication by the insurance company is the reason for my complaintAlso, the fact that I came to the office with the declaration letter from [redacted] well before 01/30/but I was told to come exactly on the date 01/30/Although the insurance company could have scheduled it for cancellation on the last day of insurance 01/30/I believe that I have been set up by personal insurance service to fail 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 as Answered] Complaint: [redacted] I am rejecting this response because: Regardless of what you are saying, I do not appreciate you guys having your agents gicing information about cancellingI your agent never told me that I could cancel without facing any fees or having to pay off the whole policy I would not have cancelI was told that I could cancel and owe nothing as long as I cancel before my next paymentI will continue to file reports until you honor what you told meI was not even suppose to make any payments but I still didI should have also requested the payments that I made after I cancelled because I shall not stand for being ripped off! Regards, [redacted]

September 11, 2017Dear [redacted] :This is in response to the above referenced complaint, dated August 31, In the complaint you indicate [redacted] expressed concerns with the service, delays and poor communication she experienced as a result of the above referenced claimWe strive to keep our customers satisfied and apologize that [redacted] found our service inadequate.Upon receipt of this complaint, the supervisor reviewed the file and the issues brought forth in the complaint and provided the following information as a response to [redacted] 's concerns.On June 9, 2017, [redacted] 's insurance carrier contacted our company and reported that [redacted] struck [redacted] 's [redacted] in the rear.On June 16, 2017, the adjuster spoke with [redacted] , confirmed the facts of the accident and ordered an inspection of her vehicle.On August 31, 2017, the supervisor spoke with [redacted] regarding the $estimate to repair her vehicle [redacted] advise that she had obtained an estimate of almost $and questioned the estimate amount of $667.13.On September 7, 2017, the supervisor issued payment in the amount of $based on the damage estimateOn that same day, the supervisor spoke with [redacted] and explained that she would need to ensure that her repair facility has a copy of her estimateIf they discover additional damage that is related to the accident, they would need to contact the appraiser regarding the Supplemental damage.The supervisor has spoken with the adjuster regarding the delays and poor communication that [redacted] experienced and apologizes to [redacted] for any frustration that she experienced.Should you require any additional information, please contact me at the number below.Sincerely,Marianne MClaims Compliance Manager

[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 [redacted] , and find that this resolution is satisfactory to me However the customer service and the number of times I had attempt to contact them was ridiculousIt was a really long process where no one wanted to give me answers, call me back or fix my truck properlyFinally after alot of effort it has been fixed Regards, [redacted] ***

Please allow this letter to serve as our follow up response to the above captioned complaint filed by [redacted] ***.Our records indicate that Mr [redacted] vehicle is being repaired at the shop of his choice Liberty ***, Personal Service spoke with Liberty [redacted] and confirmed a supplement request con July 37, A supplement inspection was completed for additional damagePersonal Service contacted Liberty [redacted] and MrBell numerous times during the supplemental process keeping both parties abreast of the process.An agreement was reached with the Body shop and Mr [redacted] that a stop payment on the original payments issued would be completedA check for the total damages of $was issued and mailed overnight to Liberty [redacted] on July 14, At this time Mr***'s vehicle repairs are complete and the property damage claim has been resolved.Please contact our office at the address above if you have any questions or need any additional information.Sincerely,Keisha R [redacted] Personal Service Insurance

June 27, Dear [redacted] ,This letter is in reference to the above-captioned complaint which was received in our office on June 25, What follows is a brief summary of our investigation in regard to this claim.** [redacted] reported this loss to our office on May 13, He reported his vehicle had been struck while parked by an unidentified vehicle** [redacted] ’s policy became effective October 17, At that time, ** [redacted] ’s [redacted] did not have full coverage** [redacted] added full coverage to his vehicle on May 12, He did not complete the required [redacted] inspection prior to reporting the loss.The loss was reviewed on May ** [redacted] stated his vehicle was parked outside of his residenceWhen he came outside in the morning, he discovered damage to the vehicleThere were no witnesses and he did not contact the police.An estimate was received on May 21, in the amount of $2,** [redacted] was contacted again due to the reported date of loss being the day after he added full coverage to the vehicleHe stated he did not have any proof as to when the accident happenedHe stated he added full coverage on May because he felt he always should have had it.A Reservation of Rights letter, citing duties after a loss, notice of a claim or suit, and duty to cooperate, was sent to ** [redacted] Proof of loss was requested to confirm the date of the damages** [redacted] was advised verbally on May that additional proof and documentation was needed to prove his loss.Upon receipt of this Complaint ** [redacted] was contacted againHe stated he does not have any evidence to verify his claimWe are unable to settle ** [redacted] ’s claim without valid proof of loss.Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,

Revdex.com ID Number: [redacted] Named Insured: [redacted] To Whom It May Concern, Our records indicate that the named insured's policy term renewal date was 01/30/ Prior to this renewal date, the policy holder had a balance owed of $due to a policy change on 12/13/that increased the premium The additional premium for this change was $ Our office received a payment in the amount of $ but then the policy holder requested to cancel the automobile policye effective 01/31/ For the one day in coverage, the charges owed was $($service fee and $premium/NJ assessment tax) In addtion, the insured still owed $due to the policy change on the prior term So the total balance owed was $ Our records indicate that a refund inthe amount of $has been issued to the policy holder Please contact our office if you need further assistance or have additional questions Sincerely, Personal Service Customer Service

This letter is in reference to the above-captioned complaint which was received in our office on May 11, What follows is a brief summary of our investigation in regard to this claimThis loss was reported to our company by Mr [redacted] 's insurance carrier, [redacted] , on February They reported that our insured had exited a parking lot causing an auto accident with Mr [redacted] on February The file was reviewed that same day and a copy of the police report was receivedContact was further established with our insured on March and liability was accepted at 100%.On March an appraiser was dispatched to inspect Mr [redacted] 's vehicle, which was declared a total lossMr [redacted] was advised of the same on March 17, but was uncertain how he would like to proceedOn April Mr [redacted] agreed to proceed with the total loss handling with our company and to allow us to pick up his vehicle to handle the salvageThe total loss paper work was sent to Mr [redacted] on April 12, which is required for him to complete prior to settlement of his claimAttached you will find a copy of the cover letter which was included with the paper work detailing how the same needs to be completed by Mr [redacted] Currently, we are pending this paper work to be completed from Mr [redacted] and returned to our officeOnce the same has been received, we will be able to proceed with the handling of his claimPlease call me if you have any questions or need additional informationI can be reached at ###-###-####Sincerely, Laura R [redacted] Director of Property Damage Claims Personal Service Insurance Co

September 21, 2015Dear [redacted] ,This letter is in reference to the above-captioned complaint which was received in our office on September 18, What follows is a brief summary of our investigation in regard to this claim[redacted] reported this loss to our office on July 1, She reported that another driver made a turn at an intersection striking her vehicle while she was stopped at a stop signThe adjuster reviewed the file that same day and attempted contact with [redacted] via telephone, but was only able to leave a voice messageThe adjuster again attempted contact on July when he spoke to [redacted] confirming her statementUnfortunately, [redacted] was unable to provide essential details regarding the accident including the at-fault driver's name or their insurance information [redacted] was further advised that she did not have collision coverage on her policy and we would be unable to repair her vehicle as a result of this loss.At this time, we have contacted Lacey Police Dept and obtained the report number for this incidentA copy of the police report has been requestedOnce received, we will contact [redacted] and provide her with the policy information of the at-fault driver,Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,Laura R.Claims Manager Personal Service

September 23, 2015Dear [redacted] ,We are in receipt of your letter of September 18, regarding the above referenced matterPlease accept this letter as our response to your inquiry,A review of [redacted] 's PIP claim indicates that our attempts to reach [redacted] by telephone and rail were unsuccessfulTwo phone calls to [redacted] were made on July 1, A woman picked up the first call and said "call you back in minutes" and terminated the callWhen we called back on our second attempt on July 1, 2015, someone simply answered the call and immediately terminated the callA letter was sent to [redacted] on July 1, as well requesting a call, Our representative called [redacted] again om July 20, and left a message om voice mall for a return phone callTwo PIP application forms were also sent to [redacted] on July 1, and August 3, To date we have not received a return phone call or the completed PIP application formPersonal Service Insurance Company has received one medical bill for [redacted] from Urgent Care, Upon receipt of a telephone call and completed PEP application form we will review her claim and process the medical bills that have been submitted to Personal Service insurance Company,Sincerely,Soo K.PIP Manager

June 30, Dear [redacted] ,This letter is in reference to the follow up request which was received in our office on June 30, 2014.I am attaching a copy of ** [redacted] ’s billing ledger to confirm the following; the original effective date of the policy, the date ** [redacted] added full coverage to his vehicle, and the removal of full coverage due to failure of completing the [redacted] inspection.** [redacted] did have prior policies with Personal ServiceHe did not have full coverage on his vehicle on either policyI am attaching the Declaration Page and Billing Ledger for those policiesPrior to his current policy, the most recent policy had cancelled September 1, 2013, which was forty-three days prior to the original effective date of his current policyPlease be advised the same vehicle has been the sole vehicle on all three policies.** [redacted] was contacted on June as previously confirmed in the initial responseHe was contacted after the receipt of his Complaint in regards to proof of lossTo date ** [redacted] has not provided valid proof of loss that his loss occurred on the reported dateWhen ** [redacted] reported the loss to our office, he advised the first report representative that he did not contact the policeThere is no further documentation regarding discussion of a police report.In addition I am also attaching photographs of ** [redacted] ’s vehicle.Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,

January 30, 2017Dear *** ***:This correspondence is in response to the inquiry filed on January 24, Thank you for allowing us the opportunity to respond to your concernsWe apologize that *** *** was not informed correctly of the cancellation fee of $and have reversed this
chargeThe remaining outstanding balance owed is $We hope the below policy activity breakdown clarifies the balance:Policy Effective Dates: September 22, 2015-September 22,2016September 22, 2015-policy issued at $1483.00, $fees - minimum required deposit of $This amount $was received and postedNext payment was due October 17, 2015, $132.00.October 17, 2015, $135.00, received through our automated phone systemThe payment was $and a $Credit card fee was charged to total $Next payment was due November 17, 2015, $132.00.November 18, 2015, $132.00, received and posted by one of our customer service representativesAt the time, the CSR waived the late fee of $She did state that the credit card fee of $was to be waived and *** *** was set up for our automated recurring credit card planNext payment was due on December 17, 2015, $Upon this review, We have waived the $credit card fee as it was failed to be waived in November, 2015.December 17, 2015, $received and postedNext payment was due on January 17, 2016, $131.00.January 18, 2016, after our multiple attempts to draft payment from credit card provided in November, 2015, *** *** provided another credit card to one of our CSR to process payment formAt that time, we did receive and post $The $late fee was waived but $was charged at the time for the credit card processingNext payment was due February 17, 2016, $130.00.February 17, 2016, $received and posted.March 4, 2016, a vehicle change was processed removing *** and adding *** with comprehensive and collision coverageThe premium increase was an additional $1,336.00.March 17, 2016, $received and posted.March 26, 2016, a coverage change was processed to increase the comprehensive and collision deductibles from $to $The premium decrease was $229.00.March 29, 2016, a coverage change was processed to decrease the comprehensive and collision deductibles from $to $The premium increase was $Next payment was due on April 17, 2016, $396.00.April 18, 2016, a cancellation notice was generated for non-payment effective for May 1, 2016.April 22, 2016, insured's request cancellation notice was received and processed for effective April 16, This left a balance owing of $270.00.Again, based on our review of the policy we have reversed the $cancel fee and $credit card fee for a $credit towards the previous balance of $This leaves a remaining balance of $241.00.Thank you for the opportunity to respond to the concerns addressed by *** ***If I can be of any further assistance, please contact meat the number below.Sincerely,Alice G.AsstProduct Manager

May 16, 2016Dear *** ***,This letter is in reference to the above-captioned complaint which was received in our office on May 09, What follows is a brief Summary of our investigation in regard to this claim.This loss was reported by our insured, *** ***, on December 8, ***
*** reported that his wife, *** ***, was driving his vehicle when *** *** attempted to pass her causing an auto accidentThe file was reviewed on December and contact attempts were made by the adjusterWe did not have any information for *** ***.On March contact was received from *** ***, who reported that our insured driver failed to yield at a stop sign causing a collisionAt the time of loss, *** *** had the right of wayAn appraiser was dispatched to inspect *** ***'s vehicle which was declared a total loss*** *** written statement was received on March She stated *** *** attempted to pass her vehicle from behind, causing the collision.On April a copy of the police report was received, which confirmed *** ***'s statement, but varied from the written statement submitted by our insured driverOur driver was issued a citation for careless driving by the reporting officerThis charge was later changed to "obstructing passage of another vehicle' and the citation was paid.After reviewing the file, it was determined that coverage will be provided and liability accepted for 100%An offer has been made to *** ***We are currently pending the proper paperwork to proceed with the handling of his total loss settlement.Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,Laura R. Director of Property Claims

[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 upon receipt of the check I will re-open if I do not receive the check.Thank you for your help Would not have been resolved without you
Regards,
*** *** ***

August 6, Dear *** ***: Please allow
this letter to serve as our response to the above captioned complaint filed by
*** *** Thank you for your feedbackPersonal Service Insurance Company strives to thoroughly investigate and accurately evaluate each
and
every claim presented to our claim's officeA review of our file
confirms that the investigation has been
completed and a resolution of the MsBeebe’s uninsured motorist claim was
reached on or about July 31, 2015.We apologize for any confusion or misunderstanding that may have
occurred in the handling of *** ***’s claim.
Should you need further clarification or additional information, please
do not hesitate to contact our office at the number listed belowSincerely, Stacy C*** Property Damage Claims Supervisor

September 29, 2015Dear *** ***,This letter is in reference to the above-captioned complaint which was received in our office on September 28, 2015, Please note that this complaint is in relation to the prior complaint # ***, You can find our response to the previous complaint attached.Since
our previous response, *** ***'s claim had been settled for the actual cash value of her vehicle, less her deductible totaling $4,The payment was issued on June to Auto Loan, who was the lien holder on *** ***'s vehicle*** *** was not provided with a rental as she did not have rental coverage on her policy, Currently we are awaiting the salvage recovery of *** ***'s vehicleOnce completed, we will be pursuing *** for the recovery of all damages related to this loss which includes *** ***'s deductible.Please call me if you have any questions or need additional informationI can be reached at ###-###-####Sincerely,Laura R.Claims Manager

July 23, 2014Dear ***,Please allow this letter to serve as our response to the above referenced complaint filed by *** *** *** (*** ***).The claim was reported on 4/21/by *** *** ***.On 5/6/2014, we spoke with ***
regarding her coverage as she confirmed that her husband *** *** *** was the driver during this loss*** also confirmed that *** was an excluded driver at the time of the loss*** was made aware of the coverage issue and pending denial of coverage.After further investigation and receipt of the signed application, an official coverage denial letter was sent to *** on June 16, 2014, sent certified mail (***).We have followed up on the tracking of the certified denial letter that was mailed to *** *** and it has been unclaimedWe have been advised that a notice of our letter was left.Please see the attached denial letter that was mailed out to *** to further explain the reason for her denial.Sincerely,

September 29, 2015Dear *** ***,This letter is in reference to the above-captioned complaint which was received in our office on September 28, 2015, Please note that this complaint is in relation to the prior complaint # ***, You can find our response to the previous complaint
attached.Since our previous response, *** ***'s claim had been settled for the actual cash value of her vehicle, less her deductible totaling $4,The payment was issued on June to Auto Loan, who was the lien holder on *** ***'s vehicle*** *** was not provided with a rental as she did not have rental coverage on her policy, Currently we are awaiting the salvage recovery of *** ***'s vehicleOnce completed, we will be pursuing *** for the recovery of all damages related to this loss which includes *** ***'s deductiblePlease call me if you have any questions or need additional informationI can be reached at ###-###-####
Sincerely,
Laura RClaims Manager

September 9, 2016Dear *** ***.Please allow this letter to serve as our response to the above captioned complaint filed by the complainant, *** ***.On May 31, 2016, Personal Service Insurance was notified by the complainant of an accident that occurred on May 28, The complainant
reported that their vehicle was struck in the rear by Personal Service insured driver *** ***.On June 1, 2016, the adjuster attempted to obtain statements from each driver but was only able to speak with the complainantAfter obtaining the statement, the adjuster explained that our liability investigation was still pending as we needed to speak with our insured and/or review the police reportThe adjuster ordered the police report and requested that the complainant take their vehicle to a body shop for an estimate.After unsuccessful attempts to speak with *** *** and being unable to obtain the police report, on August 27, 2016, an investigator was hired to attempt contact *** ***.On September 8, 2016, Personal Service obtained a statement from *** *** who corroborated the complainants account of the accident, and liability was acceptedThe complainant was then contacted and advised that liability was accepted and payment in the amount of $would be issued with an expedited deliveryThe complainant was also advised that a rental vehicle would be provided if needed while their vehicle was being repaired.We apologize for any frustration that the complainant may have experienced during the handling of their claim.Should you need further clarification or additional information, please do not hesitate to contact our office at the number listed below.Sincerely,Marianne MClaims Compliance Specialist