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: ***
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 *** 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,
*** ***

Please allow this letter to serve as our follow up response to the above captioned complaint filed by *** ***Our records indicate that Mr*** vehicle is being repaired at the shop of his choice Liberty ***, Personal Service spoke with Liberty *** and confirmed a supplement request con July 37, A supplement inspection was completed for additional damagePersonal Service contacted Liberty *** and MrBell numerous times during the supplemental process keeping both parties abreast of the processAn agreement was reached with the Body shop and Mr*** 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 *** on July 14, At this time Mr***'s vehicle repairs are complete and the property damage claim has been resolvedPlease contact our office at the address above if you have any questions or need any additional informationSincerely,
Keisha R***
Personal Service Insurance

May 19, 2016Dear *** ***,This letter is in reference to the follow up request which was received in our office on May 16, 2016.A formal offer was made to *** *** on Tuesday, May and the settlement paper work was mailed to his attention via *** (Tracking#: *** *** ***)Attached is a copy of the cover letter sent to *** *** detailing our offerWe are currently waiting for further contact from *** *** and the completion of his paper work to handle his total loss claim.Please call me if you have any questions or need additional informationI can be reached at ###-###-####.Sincerely,Laura R. Director of Property Claims

Have been trying to get a hold of the claims department for a week and have been on hold a total of hours I find this extremely unacceptable This issue needs to be fixed to better your customer service

September 23, Dear *** *** ***,
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 *** ***'s PIP claim indicates that our attempts to reach *** *** by telephone and rail were unsuccessfulTwo phone calls to *** *** 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 *** *** on July 1, as well requesting a call, Our representative called *** *** again om July 20, and left a message om voice mall for a return phone callTwo PIP application forms were also sent to *** *** 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 *** *** 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 KPIP Manager

August 6, 2015Dear *** ***: 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

[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:
The person who responded is not the person who's been handling the claim so she only knows what was told to herWhat she's saying is falseI told the company that I never had less than full coverageI was always under the impression that I had full coverageI am making payments on this vehicle and without full coverage I would be in direct violation of contract as well as financed vehicles policies in the state of new jerseyNone of these problems came up until it was time to cut the checkAll of a sudden I was told about all the stuff that was wrongOn top of all of that they said I got my policy on May the 12th so why would they cancel my full coverage right after I made my claim which by their own admission was only a few days laterHow long do they usually give a client to conform with whatever they are claiming I didn't do I was told the police wasn't a necessity when I called my insurance company because I didn't have "proper" witnessesThey record phone calls so this should easily be verifiableAlso I had my policy a lot longer than October and I have no idea why they keep saying thatMy policy lapsed once in October and it restarted but a backdoor company like this either loses their records or hides them and acts like they don't know what's going on.
*** just called me again Thursday night on June 26th, but I guess that was just to try and record me to trip me upHe acted like he was trying to get additional infoAll underhanded dealings with this companyI won't let this go until I'm refunded my money that I put into this policy or my claim is paid and personal service, along with *** *** and *** *** can take that to the bank.
Regards,
*** ***

July 7,
"MARGIN: 0in 0in 0pt; tab-stops: 1.25in">
[redacted]
The Revdex.com
K StreetNorth West
Tenth floor
Washington, DC 20005-
File Number: [redacted]
Complainant: [redacted]
Our Insured: [redacted]
Writing Company: Personal Service Insurance Our Claim Number: [redacted]Loss Date: June 15,
Dear [redacted],
Please allow this letter to serve as our response to the above captioned complaint filed by [redacted]. The above captioned loss was reported to Personal Service Insurance on June 16, by the complainant [redacted]
On June 17, 2015, Mr[redacted] was referred to a direct repair shop for a comprehensive vehicle inspection
On June 23, 2015, the estimate and corresponding payment of $1,was sent to Mr[redacted]. A message was left on Mr[redacted]'s voicemail advising him that the repair estimate and payment was sent to him and to have his body shop contact Personal Service Insurance should any additional damages be identified.
Due to a difference in repair estimates, an independent appraiser was dispatched to complete a second inspection on June 26, 2015. A supplemental payment was then issued to Mr[redacted] for the amount of $104.08.
As for the $difference Mr[redacted] is claiming, on July 1, 2015, the claims representative spoke with Mr[redacted] at length and informed him of the $supplemental payment and that it was his decision where to have his vehicle repairedIt was explained that if his shop found any additional damages, the shop would need to contact the appraiser to re-inspect the vehicleIf Personal Service can confirm additional damages related to the loss, we would issue further paymentA copy of the final estimate was emailed to [redacted] was also made aware of the rental process while his car was being repairedThe following day a rental reservation was set up for Mr[redacted]
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
Claims Supervisor
###-###-####

June 27, 2014
Dear [redacted],This letter is in reference to the above-captioned complaint which was received in our office on June 25, 2014. What follows is a brief summary of our investigation in regard to this claim.**. [redacted] reported this loss to our office on May 13,...

2014. He reported his vehicle had been struck while parked by an unidentified vehicle. **. [redacted]’s policy became effective October 17, 2013. At that time, **. [redacted]’s 2006 [redacted] did not have full coverage. **. [redacted] added full coverage to his vehicle on May 12, 2014. He did not complete the required [redacted] inspection prior to reporting the loss.The loss was reviewed on May 13. **. [redacted] stated his vehicle was parked outside of his residence. When he came outside in the morning, he discovered damage to the vehicle. There were no witnesses and he did not contact the police.An estimate was received on May 21, in the amount of $2,222.55. **. [redacted] was contacted again due to the reported date of loss being the day after he added full coverage to the vehicle. He stated he did not have any proof as to when the accident happened. He stated he added full coverage on May 12 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 21 that additional proof and documentation was needed to prove his loss.Upon receipt of this Complaint **. [redacted] was contacted again. He stated he does not have any evidence to verify his claim. We are unable to settle **. [redacted]’s claim without valid proof of loss.Please call me if you have any questions or need additional information. I can be reached at ###-###-####.Sincerely,

September 21, 2015Dear [redacted],This letter is in reference to the above-captioned complaint which was received in our office on September 18, 2015. What follows is a brief summary of our investigation in regard to this claim.[redacted] reported this loss to our office on July 1, 2015. She...

reported that another driver made a turn at an intersection striking her vehicle while she was stopped at a stop sign. The adjuster reviewed the file that same day and attempted contact with [redacted] via telephone, but was only able to leave a voice message. The adjuster again attempted contact on July 9 when he spoke to [redacted] confirming her statement. Unfortunately, [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 incident. A copy of the police report has been requested. Once 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 information. I can be reached at ###-###-####.Sincerely,Laura R.Claims Manager Personal Service

This letter is in reference to the above-captioned complaint which was received in our office on May 11, 2016. What follows is a brief summary of our investigation in regard to this claim.This loss was reported to our company by Mr. [redacted]'s insurance carrier, [redacted], on February 25. They...

reported that our insured had exited a parking lot causing an auto accident with Mr. [redacted] on February 22. The file was reviewed that same day and a copy of the police report was received. Contact was further established with our insured on March 2 and liability was accepted at 100%.On March 11 an appraiser was dispatched to inspect Mr. [redacted]'s vehicle, which was declared a total loss. Mr. [redacted] was advised of the same on March 17, but was uncertain how he would like to proceed. On April 6 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 salvage. The total loss paper work was sent to Mr. [redacted] on April 12, which is required for him to complete prior to settlement of his claim. Attached 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 office. Once the same has been received, we will be able to proceed with the handling of his claim.Please call me if you have any questions or need additional information. I can be reached at ###-###-####.Sincerely,Laura R[redacted] Director of Property Damage Claims Personal Service Insurance Co

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 [redacted], Personal Service spoke with Liberty [redacted] and confirmed a supplement request con July 37, 2015. A supplement inspection was completed for additional damage. Personal Service contacted Liberty [redacted] and Mr. Bell 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 completed. A check for the total damages of $3417.30 was issued and mailed overnight to Liberty [redacted] on July 14, 2015. At this time Mr. [redacted]'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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If 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 false information about cancelling. I 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 cancel. I was told that I could cancel and owe nothing as long as I cancel before my next payment. I will continue to file reports until you honor what you told me. I was not even suppose to make any payments but I still did. I should have also requested the payments that I made after I cancelled because I shall not stand for being ripped off!
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If 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 account. The lack of communication by the insurance company is the reason for my complaint. Also, the fact that I came to the office with the declaration letter from [redacted] well before 01/30/15 but I was told to come exactly on the date 01/30/2015. Although the insurance company could have scheduled it for cancellation on the last day of insurance 01/30/15. 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 response. If 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]

This letter is in reference to the above-captioned complaint which was received in our office on May 11, 2016. What follows is a brief summary of our investigation in regard to this claim.
This loss was reported to our company by Mr. [redacted]'s insurance...

carrier, [redacted], on February 25. They reported that our insured had exited a parking lot causing an auto accident with Mr. [redacted] on February 22. The file was reviewed that same day and a copy of the police report was received. Contact was further established with our insured on March 2 and liability was accepted at 100%.On March 11 an appraiser was dispatched to inspect Mr. [redacted]'s vehicle, which was declared a total loss. Mr. [redacted] was advised of the same on March 17, but was uncertain how he would like to proceed. On April 6 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 salvage. The total loss paper work was sent to Mr. [redacted] on April 12, which is required for him to complete prior to settlement of his claim. Attached 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 office. Once the same has been received, we will be able to proceed with the handling of his claim.
Please call me if you have any questions or need additional information. I can be reached at ###-###-####.
Sincerely,
Laura R[redacted] Director of Property Damage Claims Personal Service Insurance Co

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 01/30/2015.  Prior to this renewal date, the policy holder had a balance owed of $18.16 due to a policy change on 12/13/2014 that increased the premium.  The additional premium for this change was $18.16.  Our office received a payment in the amount of $ 221.95 but then the policy holder requested to cancel the automobile policye effective 01/31/2015.  For the one day in coverage, the charges owed was $11.45 ($6.00 service fee and $5.45 premium/NJ assessment tax).  In addtion, the insured still owed $18.16 due to the policy change on the prior term.  So the total balance owed was $29.61.  Our records indicate that a refund inthe amount of $192.75 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

September 23, 2015Dear [redacted],We are in receipt of your letter of September 18, 2015 regarding the above referenced matter. Please 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 unsuccessful. Two phone calls to [redacted] were made on July 1, 2015. A woman picked up the first call and said "call you back in 2 minutes" and terminated the call. When we called back on our second attempt on July 1, 2015, someone simply answered the call and immediately terminated the call. A letter was sent to [redacted] on July 1, 2015 as well requesting a call, Our representative called [redacted] again om July 20, 2015 and left a message om voice mall for a return phone call. Two PIP application forms were also sent to [redacted] on July 1, 2015 and August 3, 2015. To date we have not received a return phone call or the completed PIP application form. Personal 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, 2014
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 2 prior policies with Personal Service. He did not have full coverage on his vehicle on either policy. I am attaching the Declaration Page and Billing Ledger for those policies. Prior 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 policy. Please be advised the same vehicle has been the sole vehicle on all three policies.**. [redacted] was contacted on June 26 as previously confirmed in the initial response. He was contacted after the receipt of his Complaint in regards to proof of loss. To date **. [redacted] has not provided valid proof of loss that his loss occurred on the reported date. When **. [redacted] reported the loss to our office, he advised the first report representative that he did not contact the police. There 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 information. I can be reached at ###-###-####.Sincerely,

September 21, 2015Dear [redacted],
This letter is in reference to the above-captioned complaint which was received in our office on September 18, 2015. What follows is a brief summary of our investigation in regard to this claim.
[redacted] reported this loss to our...

office on July 1, 2015. She reported that another driver made a turn at an intersection striking her vehicle while she was stopped at a stop sign. The adjuster reviewed the file that same day and attempted contact with [redacted] via telephone, but was only able to leave a voice message. The adjuster again attempted contact on July 9 when he spoke to [redacted] confirming her statement. Unfortunately, [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 incident. A copy of the police report has been requested. Once 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 information. I can be reached at ###-###-####.
Sincerely,
Laura R.
Claims Manager Personal Service