Premier Asset Recovery LLC

Dear Sir or Madam,We regret the experience this customer had regarding the non-renewal of their homeowner policy As acknowledged by the customer, we did provide a detailed explanation of the non-renewal based on the loss activity on this accountPer Georgia state statutes, we are in compliance to take action on this type of loss activity Electric Insurance reviews each renewal individually; especially when it comes to those insureds with tenure We had been insuring Ms [redacted] ’s home since We will review this situation with our Customer Service department and further educate them on our underwriting guidelines and acceptable reasons for non-renewals so that we can improve on future customer experiences.Sincerely, [redacted] Electric Insurance Company

DearMr***,We received your correspondence dated 09/05/regarding your auto policy with Electric Insurance CompanyYour policy first went into effect on 03/29/We have conducted a thorough review to determine the following:On 12/21/17, you called into our Customer Contact Center to quote adding your daughter as a driver to your auto policySince your daughter, [redacted] ***, is a licensed household member with access to your vehicles and covered under your policy while driving your vehicles, she was added to the policy effective 12/21/ After [redacted] was added, you requested that she be excluded from your policy The exclusion was approved by our Underwriting Department on 12/27/Our Customer Service department attempted to reach you on 12/27/and 12/29/to discuss the driver exclusion form with you, however, we were not successful reaching you Once Electric Insurance receives a signed and completed exclusion for [redacted] ***, we will exclude the driver from the auto policy effective 12/21/After the exclusion is processed, any premium charged when [redacted] was added will be eliminatedIt is our position that the actions taken with respect to this policy were proper and compliant with California State statutesI trust this answers all of your questions, however, if you should require any additional information, please feel free to contact us directly at [redacted]

August 25, Electric Insurance This is a follow up letter from August 22, Briefly I received a letter on Monday August 21, from Electric Insurance stating that they will not be renewing my homeowner’s insuranceWhen I called the customer service department on Monday the two representatives that I spoke to [redacted] and [redacted] both told me that I did not meet the criteria but neither one of them could explain why I didn’t meet the criteriaNot to mention I have been insured with Electric Insurance since by my date since I have been employed with ** for yearsWhen I initially became an employee with ** team the insurance was offeredHowever, by Electric Insurance they are showing I been with them since [redacted] called back August 23rd to let me know the reason I did not meet the criteria anymore was because in my dishwasher stopped working and the water from the dishwasher damaged my floors as well as the ceiling downstairsWater had been leaking over a period of time and I didn’t realize it(Note: this was the dishwasher that was in the house when I purchased my new home in 2003) and in my hot water tank stopped working and my basement flooded [redacted] advised me since I filed two claims within months and both were similar is the reason Electric Insurance decided not to renew my homeowner’s insuranceThese are different the dish washer and hot water tank are not the same but in the sense that there was water damage of courseHot water tanks are known to go out overtime as well as dish washers, not to mention the dishwasher was years old as well as the hot water tank being yearsI am still in disbeliefNo loyalty on Electric Insurance behalf and longevity means NOTHINGAgain, this was totally out of my control and I don’t EVER remember receiving any type of communication of if there is a claim submitted within months’ consumers will stand a chance of being cancelledI truly believe if Electric Insurance put that in BOLD WRITING, this company would not have the business that they haveYou can depend on me to communicate the word of months of submitting a claim if it is similar in Electric Insurance eyes.Show me in writing where the stipulations of if claim is filed within months apart it will be cancelled

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.
[If you are rejecting the business's response please enter your rejection comments here.As a consumer it is very deceiving, at the end of the day I was sent one letter asking me to contact them to inspect my car I've had the same insurance company for about yrs and have never received a penny from them as I've not being in an accident In addition, I've owned at least cars and not once have they asked to inspect my car When I received the paperwork I threw it in the glove compartment without reviewing it since I didn't make any adjustments I assumed nothing had changed So, I was paying for insurance that doesn't cover much They should have to call or email the customers with any important information Like I said, it's deceiving The only reason why they do it that way is so the customer doesn't realize they have minimum coverage, yet they are still paying for it It is not right!
Regards,
*** *** ***

We are in receipt of your correspondence, dated July 21, 2015, regarding the above referenced Electric Insurance Company auto claimThis complaint was filed prior to us reaching the below settlement agreement with Mr***We now consider this matter amicably resolvedHowever, we offer the
following response to the customer's initial complaintOn April 30, our insured, *** ***, rear ended a *** *** *** driven by *** ***'s daughter, *** ***, in *** ***As a result of the accident caused by our insured, the *** vehicle sustained rear-end damagesThe police report listed *** *** as both Operator and owner of the *** ***On May 11, 2015, the ***'s body shop of choice, *** *** ***, submitted vehicle damage photos and a repair estimateElectric Insurance set up a rental reservation for *** *** the same dayThe estimate for repairs was approved on May 14, and payment was issued the next day in the amount of $4,Ms***'s rental reservation was extended based on an estimated day repair timeWe contacted *** *** *** on June 3, to check the status of the repairs to the *** vehicle and were advised there was a supplement which could potentially make the vehicle a total loss rather than repairableOn June 8, a completed supplement with photos was received for additional in repairs, bringing the repair total It was determined the vehicle was now a probable total loss and we began to evaluate as suchWe also became aware at the time that *** *** was not the owner of the vehicle and it was actually titled to *** ***, who lived out of state in ***In order to determine an appropriate value of the vehicle near the owner's actual location, we required Mr***'s *** registration addressthe address was obtained on June 19th, and we were able to continue with our total loss evaluationA total loss settlement offer of was presented to Mr*** *** and *** *** specifically requested the vehicle be repaired rather than totaledWe agreed to proceed based off their request and have *** *** *** repair the vehicle for there estimate amount of 5,Payment for the repairs and storage fees were issued directly to *** *** *** at the ***'s request on July 9, Should you have any questions please feel free to contact me

Re: Complaint #*** We received your correspondence dated August 27th, regarding the above referenced complaint. We have completed a thorough review and offer the following response: We researched the complaint of Mr*** and how he received ID cards to his personal emailOne of our
customers signed onto our online Self Service Center and requested ID cards for one of their vehiclesOur customer accidentally entered Mr***’s email address which caused the ID card to be emailed to himIn response, we reached out to our customer and sent him his requested documentsWe confirmed no other ID cards were sent incorrectly and this was an isolated incidentShould you have any questions or concerns in regards to this matter, please do not hesitate to contact me directly. Sincerely, *** *** Ph: *** ext*** e-mail: ***.***@electricinsurance.com Team Leader, Customer Service

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. I would like to personally thank MS*** *** for her dedication to resolve the issueShe worked between me and the internal stakeholders until she found a solution that works for both of us.
Regards,
*** ***

We are in receipt of your correspondence, dated July 14, regarding the above referenced Electric Insurance company auto and home policies *** ***We have conducted a thorough review of the account and offer the following responseIt is the policy of Electric Insurance to provide
insurance coverage unless a request is made by the customer to cancel their policy or the policy is cancelled for non paymentOur billing process affords our customers additional time to pay their bill after the payment is dueWhen a payment is not received by the due date, a late notice is mailed to the customerIf payment is still not received after the late notice is sent, a cancellation notice is then sent indicating the final day in which the customer must pay their bill to avoid cancellationElectric insurance followed this process with Ms***'s accountMs***'s was enrolled in our bi -annual payment plan and her last payment was received on August 19, in the amount of An installment notice was mailed on January 21, with a due date of February 10, When payment was not received, late notice was mailed on February 23,stating if payment for her home policy was not received prior to March 28, 2015, the polices would be cancelled for non paymentPayments were not received from Ms***; her policies were cancelled according to the noticeAn earned premium notice was then mailed for the amount of This amount represented the time period coverage was extended up to the date of cancellationMs***'s polices were sent to collections when she didn't respond to the earned premium noticeOn May 26, 2015, our collection agency sent us a collection dispute from Ms***, which included proof of insurance with a new carrier for her home effective January 22, Ms*** notated on this documentation she also obtained a new auto policy with the same effective dateAs a result, we amended her home policy cancellation to the requested effective date of January 22, 2015, same as the home policyThe debt has been removed from collectionsWe reached out to Ms*** to inform her of the amendment of her cancellation and that the refund was sent ***We now consider the matter resolved

Dear Sir or Madam,We regret the experience this customer had regarding the non-renewal of their homeowner policy.  As acknowledged by the customer, we did provide a detailed explanation of the non-renewal based on the loss activity on this account. Per Georgia state statutes, we are in compliance to take action on this type of loss activity.  Electric Insurance reviews each renewal individually; especially when it comes to those insureds with tenure.  We had been insuring Ms. [redacted]’s home since 2009. We will review this situation with our Customer Service department and further educate them on our underwriting guidelines and acceptable reasons for non-renewals so that we can improve on future customer experiences.Sincerely,[redacted]Electric Insurance Company

August 25, 2017 Electric Insurance This is a follow up letter from August 22, 2017. Briefly I received a letter on Monday August 21, 2017 from Electric Insurance stating that they will not be renewing my homeowner’s insurance. When I called the customer service department on Monday the two...

representatives that I spoke to [redacted] and [redacted] both told me that I did not meet the criteria but neither one of them could explain why I didn’t meet the criteria. Not to mention I have been insured with Electric Insurance since 1992 by my date since I have been employed with ** for 25 years. When I initially became an employee with ** team the insurance was offered. However, by Electric Insurance they are showing I been with them since 1998. [redacted] called back August 23rd to let me know the reason I did not meet the criteria anymore was because in 2014 my dishwasher stopped working and the water from the dishwasher damaged my floors as well as the ceiling downstairs. Water had been leaking over a period of time and I didn’t realize it. (Note: this was the dishwasher that was in the house when I purchased my new home in 2003) and in 2016 my hot water tank stopped working and my basement flooded. [redacted] advised me since I filed two claims within 39 months and both were similar is the reason Electric Insurance decided not to renew my homeowner’s insurance. These are different the dish washer and hot water tank are not the same but in the sense that there was water damage of course. Hot water tanks are known to go out overtime as well as dish washers, not to mention the dishwasher was 11 years old as well as the hot water tank being 13 years. I am still in disbelief. No loyalty on Electric Insurance behalf and longevity means NOTHING. Again, this was totally out of my control and I don’t EVER remember receiving any type of communication of if there is a claim submitted within 39 months’ consumers will stand a chance of being cancelled. I truly believe if Electric Insurance put that in BOLD WRITING, this company would not have the business that they have. You can depend on me to communicate the word of 39 months of submitting a claim if it is similar in Electric Insurance eyes.Show me in writing where the stipulations of if claim is filed within 39 months apart it will be cancelled.

Electric Insurance is dedicated to outstanding customer service to its policyholders. We take very seriously any complaint regarding failure to meet our customer’s expectations.  This complaint was received and in conjunction with working with the customer, the issue was resolved and the policy...

has been reinstated. If you have any questions or concerns, please do not hesitate to contact us at ###-###-####.

Dear. Mr. [redacted],We received your correspondence dated 09/05/17 regarding your auto policy with Electric Insurance Company. Your policy first went into effect on 03/29/07. We have conducted a thorough review to determine the following:On 12/21/17, you called into our Customer Contact Center to quote...

adding your daughter as a driver to your auto policy. Since your daughter, [redacted], is a licensed household member with access to your vehicles and covered under your policy while driving your vehicles, she was added to the policy effective 12/21/17.  After [redacted] was added, you requested that she be excluded from your policy.  The exclusion was approved by our Underwriting Department on 12/27/17. Our Customer Service department attempted to reach you on 12/27/17 and 12/29/17 to discuss the driver exclusion form with you, however, we were not successful reaching you.  Once Electric Insurance receives a signed and completed exclusion for [redacted], we will exclude the driver from the auto policy effective 12/21/17. After the exclusion is processed, any premium charged when [redacted] was added will be eliminated. It is our position that the actions taken with respect to this policy were proper and compliant with California State statutes. I trust this answers all of your questions, however, if you should require any additional information, please feel free to contact us directly at [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. 
[If you are rejecting the business's response please enter your rejection comments here.] In response to Bill Walsh's response I have alot to say about their practices and the way they treat their loyal customers, I was an account holder for 10 years and had insurance on multiple vehicles and do not get tickets, and the only accident I have been involved in over my 50+ years of driving was hit and run on May 30th 2013. While proceeding through a green light at a signal in Snowflake, AZ I was hit by a speeding motorist, the right rear quarter panel was damaged and 3 air bags were deployed, no other damage was sustained either inside or outside the car, the auto was still driveable after the crash. This auto was the top of the line 2006 [redacted], with a [redacted] over 20.000. Electric insurance determined  the vehicle was a total loss because the airbags were deployed, it is a total loss? and the value of the vehicle is now 3200.00 with a [redacted] over 20.000. The just do not want to repair the vehicle, so much for customer loyalty. When they refused to pay for repair costs, I said I would make up the difference, So I paid $9000 to repair the vehicle. Then I waited for the check from Electric Insurance , I waited and waited, Finally three months later I was told to pay the DMV to do the inspection, then I was told to get Salvage title, then finally paid the 6000.00 (it only took 6 months). I reluctantly keep the insurance on the [redacted] , and got coverage from [redacted] on my 2010 [redacted] 3500. Electric Insurance stated , that when an insurance policy is cancelled they are obligated to notify DMV, of that fact. The CHP officer that pulled me over in CA stated that Electric Insurance notified DMV that I was driving with out insurance, not that it was cancelled. Is this tactic normal in the insurance industry? After 10 years of being a loyal customer I was notified that due to my credit score , they were raising my rates, so much for loyalty to their customers they can raise my rates, but are not obligated to do so. I called them and told them and told them if they raise my rates I will seek insurance else where. Brown and Brown Insurance who holds the policy on my truck, send me a letter at the end of every policy year asking if I want to make changes to the policy on my truck, sends me a letter at the end of every policy year asking if I want to make any changes to the policy and has me sign a form for the insurance to continue forward. I pay my bills electronically through [redacted], and when I did not send a check for 20% of the policy in December 2015, instead of sending a letter where the down payment was they just started a new policy in Dec 2015, Instead of sending a letter where the down payment was they just started a new policy on their own. This is negative invoicing which is not legal. When I did not make the payments, they tried to damage my credit score further.

We appreciate the opportunity to respond to you latter dated April 15, 2016. After a thorough investigation of Mrs. [redacted]'s complaint, we have found the following. Timeline:On February 10, 2016 Mrs. [redacted] called Electric Insurance Company to obtain insurance quotes fro her home...

and automobiles. Our agent completed the initial homeowners quote with Mrs. [redacted], however, she did not provide enough information for us to complete the automobile quote. Through a series of email communications, Mrs. [redacted] provided the required information to complete the preliminary automobile quote and it was sent via email. As part of our normal process, the initial quote of $2,535.00 was subject to verifying her motor vehicle voilatoin and claim history. We acknowledge however, that our agent failed to add an incident of Mrs. [redacted]'s daughter which she disclosed and ultimately had a significant impact on the final quote. On February 29, 2016, Mrs. [redacted] called and requested that we issue her homeowners policy effective March 1, 2016. On that call, we completed the automobile quote and ordered the required MRV and claim reports. The reports confirmed previously disclosed and additional undisclosed incidents resulting in an increase in the price coverage. The interaction concluded when we issued her home policy without the multi policy discount for 2,371.00. On April 4, 2016, we again spoke with Mrs. [redacted] and she provided proof to dispute one of her prior losses. We were then able to finalize an automobile insurance quote of $3,660.00 that accurately reflected the prior loss and violation history. We believe the communication between Mrs. [redacted] and our agent could have been cleaner, however our agent followed our standard operating procedure of offering a preliminary rate subject to verification of claims and motor vehicle reports. The incidents and claim history received as part of our process did not match what was disclosed by Mrs. [redacted] resulting in an increase in quoted premium. The premiu m of 3660.00 reflects our filed and approved rates in the state of Texas.

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]

Re: Dept File #[redacted] Electric Insurance Company’s (Electric) review of this matter revealed the physical damage coverage (Comprehensive and/or Collision) on the vehicle in question was removed from Ms. [redacted]’s policy on March 26, 2013 as a result of her not fulfilling her obligation to have...

her vehicle inspected. Since that date she has not had that coverage nor has she been paying any premium for physical damage coverage. On March 4, 2013, Electric sent out correspondence to Ms. [redacted]’s address. The correspondence stated that Ms. [redacted] was required to have an inspection on her newly added vehicle by March 25, 2013, to continue to have physical damage coverage on this vehicle. Since Electric never received documentation that an inspection was completed Ms. [redacted]’s physical damage coverage was removed, as stated in the correspondence, effective on March 26, 2013 at 12:01am. An updated policy package was sent out to Ms. [redacted] reflecting the removal of the physical damage coverage as well as the reduction in the annual premium. Additionally, Electric sent correspondence to the customer on April 10, 2013 explaining the physical damage coverage had been removed from the vehicle and she could add the coverage back onto the policy upon the completion of the inspection.   An inspection was never complete nor did Ms. [redacted] contact Electric to review anything further. We have sent no less than 9 pieces of correspondence reflecting the removal of the physical damage coverage.  If you have any questions or concerns, please do not hesitate to contact me directly at [redacted], ext. [redacted]. Sincerely, [redacted] Team Leader, Customer Service

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]