Progressive Corporation

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.I have read what Jeremy W[redacted] wrote and have to dispute every word he said. First of all I'm getting in contact with my lawyer and the insurance commissioner of [redacted], things he wrote were untruthful! He said that I stopped by to talk about about a matter of the car on  Friday April 10 no I stopped by because I was there to pick up my car for the second time for them to fix it. Mr Michael C[redacted] didn't know anything about these problems until weds right before I picked it up. I have a witness that stood there and heard me C[redacted] say that he literally got there right before I did and he didn't even have a chance to test drive my car. No he didn't test drive my car multiple times he was the only one that seemed to want to help and fix my car. I rode in the car with him for his first test drive I told him many many times that my car rose a lot differently. As for Jeremy stating that the reason my pain doesn't match is due to a prior bad paint job, I have the voicemail from their claim rep Jared unruh stating that it was due to static electricity. Jeremy was not a part of these issues and he needs to know I am not a happy progressive customer. There were things on my car that were fixed that shouldn't have been and the things that should have been fixed weren't.... I have had my car back maybe two months and the front and rear bumper are already falling off I shouldn't have to pop them back in after I get done driving somewhere... Their number one preferred auto body shop does a poor job in repairing things.... The place I took it to get looked at after my sunroof flew off my car told me my paint still doesn't match he showed me some more of the pieces that aren't repaired very well.... If brookside kept saying that my motor mount wasn't broken why when I picked it up the second time from there did a skinny guy have to put more clips and pins under the motor before I left to drive away!!! This is ridiculous I shouldn't be having this many problems because of my insurance company and a body shop... The second body shop even pointed out all the rust that was underneath the sunroof and that wouldn't be from wear and tear. 
Regards,
[redacted]

April 11, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115Attn: Aisha IbrahimRe: File Number: [redacted] File Name: [redacted] Policy Number: [redacted]Claim Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Select...

Insurance CompanyMs. [redacted], I’m writing in reply to your letter dated March 24, 2016. We appreciate the opportunity to clarify the situation.Upon receipt of your correspondence, our claims representative made attempts to contact Mr. [redacted] by phone, leaving a voicemail message as well as by email.On April 4, 2016, our claims representative made another email attempt to contact Mr. [redacted]. Mrs. [redacted] responded to the email advising they would like to discuss the claim via email. The claims representative requested information on the [redacted]’s concerns. Mrs. [redacted] explained the vehicle issues began in September 2015, and the battery was replaced twice. They took the vehicle to a repair facility on December 18, 2015, to evaluate the problems they were having. Our representative contacted Mrs. [redacted] via email on April 5, 2016, letting her know we are reimbursing them for the repair cost. We mailed a payment of$390.86 on April 5, 2016.We let Mrs. [redacted] know we would be happy to review any additional documentation in regard to the battery replacement if Mrs. [redacted] was able to submit receipts for the batteries.If you have any questions, please call me at 1-440-910-7896.Sincerely,Meegan S[redacted]Meegan S[redacted]Claims Manager

(The following was copy/paste by Revdex.com staff - [redacted] June 19, 2017Revdex.com, Inc.2800 Euclid Ave 4th FloorCleveland, OH 44115-2408Attn:  [redacted]   Re:  File Number: [redacted]        File Name:          [redacted]...

[redacted]       Claim Number: [redacted]       Policy Type: Personal Auto       NAIC Number:   [redacted]       Company Name: Progressive Preferred Insurance CompanyMr. [redacted],  I’m writing in reply to your letter dated June 9, 2017. I appreciate the opportunity to clarify the situation. On December 19, 2016, we received report of a claim from our customer, William C[redacted]. The details of our investigation confirmed Mr. C[redacted] made a left turn and collided with Ms. [redacted]’s vehicle. We accepted full responsibility, so there is no dispute in liability.We’re currently in the process of resolving the Bodily Injury claim for [redacted]. We’ve received all the medical bills relating to this loss. In order to complete our evaluation, we’re awaiting the medical records from [redacted] Health for the date of loss. Once these records are received and reviewed, we’ll complete our injury evaluation. I’m sorry for the delay in this matter, but these records are necessary to complete a full evaluation for proper resolution. We’re currently working with a third-party retrieval company to obtain these records. Once we’re in receipt of these records, we’ll immediately contact Ms. [redacted] to discuss the resolution of her Bodily Injury claim.I'm sorry for the inconvenience this has caused. If you should have any questions, please call me at 1-623-299-4868.Sincerely,Derlyn G[redacted]Derlyn G[redacted]Claims SupervisorFor your protection, Arizona law requires the following statement to appear on this form.  Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.

[redacted]August 28, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: Deborah F[redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Travel...

Trailer NAIC Number: [redacted] Company Name: Progressive Universal Insurance CompanyMr. [redacted],Thank you for your letter dated August 19, 2017. I appreciate the opportunity to address Mrs. F[redacted]’s concerns.On July 19, 2017, the F[redacted]s reported a crack in the sidewall of the Keystone Raptor fifth wheel travel trailer, after returning from a road trip with the trailer. They believed the incident occurred around July 2, 2017, but wasn’t sure if they struck anything or had an incident because of road construction. They stated they felt they had to have had an incident to cause the crack in the trailer wall.Our claims representative examined the damage. On the left front side of the trailer there was a crack in the bonded sidewall. It was about 8” in length and originated in the lower front corner of the slide out cut-out area. There were no other signs of damage to the trailer. Cracks like this, originating from the cutout corner of the sidewall, are common and typically due to the stress and weight of the trailer over time. The nature of cutting a hole in the side of a trailer wall causes that area to be susceptible to fatigue. We discussed this with the repair facility that our customer selected. We agreed that there might have been an issue with the framing of the trailer and obtained a written Authorization to Tear Down document from our customer. Our customer agreed to the partial dismantle of the front of their fifth wheel trailer, to view the steel welded frame to see if it was damaged or had failed. We also asked Lippert Inc., the manufacturer of the frame the trailer was built upon, to weigh in after the tear down had been completed.The exposure of the frame didn’t reveal any fatigue or structural failure, and Lippert Inc. stated they couldn’t assist. Lacking any damage to the frame and lacking any incident that the insured(s) could point at to have caused the damage, we verbally and in writing stated our position with regards to the stress crack and it not being a covered loss due to an exclusion in the Wisconsin Travel Trailer Policy (3651 08/10 WI):EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART I.Coverage under this Part I will not apply for loss:8. to any vehicle that is due and confined to: a. wear and tear; b. prior loss or damage; c. manufacturing defects; d. improper or lack of routine maintenance, or failure to perform maintenance as prescribed by the manufacturer; e. contamination, pollutants, odors, sewage, or waste; f. freezing; g. gradual accumulation of snow or ice on a vehicle; h. scorching, marring, scratching, or breakage of internal equipment or furnish­ings whether permanently attached or not. However, this exclusion does not apply to: (i) scorching, marring, scratching or breakage caused by malicious mischief, vandalism, riot, civil commotion, fire, or lightning; or (ii) breakage of glass which is permanently a part of or attached to the covered vehicle; i. mechanical or electrical breakdown or failure; or j. road damage to tires. This exclusion does not apply if the damage results from the theft of a vehicle;A search of the [redacted] and other forums, supports that this is a common issue. There’s also a known issue of “flexing” of the frame and the trailer, while traveling down roadways.I know this isn’t the answer that Mrs. F[redacted] hoped for. We don’t take any claim lightly, but we didn’t find any indication of an incident or a loss to this trailer.If you have any questions, please feel free to call me [redacted]Sincerely,Michael J. [redacted]Michael J. [redacted]WI Special Lines Field Supervisor

January 11, 2016Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted]Customer Name: [redacted]Claim Number: [redacted]Policy Number: [redacted]Policy Type: MotorcycleNAIC Number: [redacted]Company Name: Progressive Premier Insurance Company [redacted],I'm writing in reply to your letter dated January 7, 2016.After my telephone conversation with [redacted] on December 14, 2015, Irequested any additional information he had because he advised that he possessedadditional documentation that might alter our liability decision.We received the documentation via US Mail on December 21, 2015.I reviewed the additional information provided and determined that there’s nothingto support a change in our liability decision. I mailed a letter to [redacted] onDecember 24, 2015, advising that we reviewed his additional information and we’reunable to alter our liability decision at this point (copy enclosed).We remain willing to review any information that [redacted] provides to help us with our investigation, but we can’t alter our liability decision unless warranted.If you have any questions, please call me at 1-[redacted].Sincerely,Sam ** H[redacted]Sam ** H[redacted]Claims Supervisor

Revdex.com:
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.
I've gone over the renewal documents, and it does NOT show the $91.00 Snapshot discount on my Policy.  It indicates on their (Progressive) website that I earned a discount, but again, my question is st[redacted] the same!!!  Where in these policy documents is there a "line" showing a discount of $91.00????  The days are fast approaching renewal, and I have no problem going elsewhere even if I have to pay a higher premium.  Why is it so difficult to understand -- all I want is a line by line description of premium rates and DISCOUNTS!  I want to be able to see where the Snapshot discount has been applied.  It is not on these policy documents.  Please advise ASAP.  Thank you.
Regards,
[redacted]

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.
Let's first address the flaw in Progressive's policy. They require proofs of address as I previously mentioned that would be unattainable to recent college graduates (ie people who's garaging address would have changed from a high premium city to a low premium suburb). Such proofs include tax bills, mortgage statements, homeowners insurance or utility bills. As previously mentioned, these could only be obtained if one owns a home. Given that only 21.5% of people under the age of 25 own homes, and only 33.3% of people between 25 and 29 own homes, this is a large portion of recent college graduate who would be unable to prove their address and be forced to pay a higher premium according to Progressive's policy. Further, 12.4% of recent college graduates are completely unemployed having no W2 or Paystub to prove their residence. That isn't to say the remaining 87.6 would be able to prove it as not all employers include your address on your paystub. Progressive's policy quite obviously targets this age range forcing them to pay higher premiums by making it next to impossible for many graduates to provide appropriate proof of address. I fail to see how any of these more accurately prove someone's address than a combination of their license and car loan statement.
The "courtesy" Progressive claimed to have provided me came with less than a 5 business day window to provide the information. As I explained to the representatives, I was in the process of moving to another home, and it would take time for me to get paperwork from my previous address in order. While I was ultimately able to get some paperwork together for the representatives, I was forced to sit on hold and transfers for several hours, being treated rudely, making this a much more complicated situation than it needed to be.
While I did elect to receive email notifications on my account, this isn't to say Progressive would not have attempted to contact me via other methods in other situations- such as failure to make a payment. Why is it acceptable for them to resort to other methods of communication for various reasons, but not when it would increase my premium- aka when it would increase their profits. Further, why is it acceptable for them to pull a random address off my credit report, especially considering the address on my account is the most recent address on my credit report?
Again, Progressive's policies and customer services shows a severe lack of consideration for their customers. They are rude, and have no problems making alterations to your account to best suit their wishes.
Regards,[redacted]

Revdex.com:
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.
Regards,
[redacted]

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,
Victoria [redacted]

Consumer Relations Department 6300 Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] November 23, 2015 Revdex.com 2800 Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: [redacted]...

[redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Premier Insurance Company of Illinois [redacted], I'm writing in reply to your letter dated November 19, 2015. Due to the presented circumstances, our Special Investigations Unit investigated this claim. I'm sorry for any inconvenience [redacted] experienced and for any unacceptable interactions. Since [redacted] has an Actual Cash Value (ACV) policy, we presented an offer to him for the ACV of his [redacted]. I’m sorry if he feels we used a strange algorithm, but we based the value of his vehicle on a market search of vehicles with similar miles and options for sale in the Atlanta area. [redacted] accepted the offer and signed the applicable paperwork to resolve his claim. On October 12, 2015, we issued payment to the lienholder, [redacted]. I’ve enclosed copies of the cashed draft, Coverage Summary, and policy for your review. If you have any questions, please call me at 1-[redacted]. Sincerely, Robert G[redacted] Robert G[redacted] Claims Manager

September 17, 2015Revdex.com 2800 Euclid Avenue, 4th floorCleveland, OH  44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: United Financial Casualty Company[redacted], I’m writing in reply to your follow up letter dated September 15, 2015. The $50 refund was refunded directly back to [redacted]’s bank account. We sent this to his bank account in two separate transactions on August 26, 2015. The transaction amounts were $27.70 and $22.30.If you have any questions, please call me at 1-440[redacted].Sincerely, Janeen H[redacted]Janeen H[redacted]Consumer Relations Specialist

October 21, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Numbers: [redacted] and [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive...

Advanced Insurance CompanyMs. [redacted],I’m writing in reply to your letter dated October 13, 2016.Mr. [redacted] had policy 907961061 with us from November 20, 2016 to July 19, 2016. He began policy [redacted] on September 14, 2016. At that time, his proof of prior insurance was listed as a 1 to 31 day lapse. Because of this, we requested proof of his prior insurance. Because Mr. [redacted] had over a 31 day lapse, he is unable to provide the requested proof. After reviewing Mr. [redacted]’s policies and his inquiry to the Revdex.com, I’ve made an accommodation to honor the current prior insurance status of a 1 to 31 day lapse. We no longer need proof of his previous insurance and his price won’t change based on his prior insurance.  I’m sorry for any frustration this situation has caused Mr. [redacted]. If you have questions, please call me at 1-440-620-6945.  Sincerely,Stephanie C[redacted]Stephanie C[redacted]Consumer Relations Specialist

July 29, 2015Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: 10691817Customer Name: [redacted]Policy Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted]Company Name: Progressive Direct Insurance Company[redacted],I’m responding to your letter dated July 22, 2015.I’m sorry for any confusion, but having an excluded driver on the policy and a customer’s marital status are separate issues and rating factors. We look at the overall combination of many factors on the policy, and in this case, the combination of changing [redacted]’s marital status and removing his excluded ex-wife, lowered the rate on the policy.It is correct that [redacted] received the benefit of a lowered rate by virtue of his marital status, because a single driver is rated different that a married driver.  A customer is required to list all household members on their policy. They can chose to list them as a rated driver or exclude them from coverage. An excluded driver on [redacted]’s policy did affect the rate. Based on our past loss experience, policies with excluded drivers tend to have an increased chance of loss over other policies, and therefore, we rate them differently. It is the customer’s responsibility to promptly notify us of any changes. Because we didn’t make an error, we aren’t backdating the removal of [redacted] any further back than we’ve already done.If you have any questions, please call me at 1-440-[redacted].Sincerely,Dona R[redacted]Dona R[redacted]Consumer Relations Specialist

6300 Wilson Mills Road N71C Mayfield Village, OH 44143 Fax: 1-888-[redacted] [email protected] November 4, 2015 Revdex.com 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Attn: [redacted] Re: File Number:...

[redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance Company [redacted], I’m writing in reply to your letter dated October 29, 2015. I appreciate the opportunity to address [redacted]’ concerns with our Snapshot ® program. Snapshot considers the total mileage, time of day the vehicle is driven and total hard braking events. The Snapshot device will beep when a decrease in speed of 7 mph/second occurs. This feedback can help our customers identify situations that are likely to require hard braking and avoid them. We encourage safe driving at all times but realize that hard braking may sometimes be necessary due to circumstances beyond the customer’s control. [redacted] mentioned that the Snapshot device beeped regularly when his wife was stopped at a stop sign. There may be a delay of several seconds after a hard brake occurs before the audible tone sounds. It’s likely that the beep signaled a hard braking event that occurred as she was approaching the stop sign. For the [redacted]r listed on [redacted]’ policy, Snapshot recorded 68 hard brake events in 604 trips over 1,501 miles driven from June 4, 2015, through October 23, 2015. Based on the data collected, we applied a 2 percent Snapshot discount to his renewal policy period beginning November 21, 2015. Some of our customers elect to try the program a second time for better results, and this option is available to [redacted] and his wife as well. I’m sorry for the frustration this caused [redacted]. If you have any questions, please call me at 1-440-[redacted]. Sincerely, Karen B[redacted] Karen B[redacted] Snapshot Process Consultant

(The following was copy/paste by Revdex.com staff - [redacted]May 30, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, Ohio 44115Attn: [redacted]RE: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMr. [redacted],I’m writing in reply to the pictures you sent in on behalf of Ms. [redacted].I’ve reviewed the additional information and pictures provided. Based on my review of the pictures, my liability decision remains the same. The pictures fail to prove any negligence on the part of our customer, and don’t prove he was involved in this accident.I’m sorry that Ms. [redacted] disagrees with our decision. Based on the facts of the accident, I feel that we’ve made an accurate decision.Please don’t hesitate to contact me at 1-913-201-4633 with any questions.Sincerely,Kevin V[redacted]Kevin V[redacted]Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not necessarily satisfactory as I still don't understand why I was billed for 3 people & vehicles when only 2 people & vehicles were being  covered. I will seek further clarification from Ms.A[redacted] at Progressive. 
Regards,
[redacted]

January 27, 2016Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted]Company Name: Progressive Direct Insurance CompanyMs. [redacted],I'm...

writing in reply to your email dated January 21, 2016.Mr. [redacted] filed a claim with us on January 18, 2016, after an accident he had earlier that day with our customer, Robert [redacted]. At the time of this complaint, we had not been able to make contact with Mr. [redacted] and confirm how the accident occurred.  We have since made contact with Mr. [redacted] on January 21, 2016, at 12:45 PM, and obtained photos of his vehicle on January 22, 2016, in order to finalize our liability decision. We then contacted Mr. [redacted] on January 22, 2016, and arranged for his vehicle to be dropped off for an estimate and repairs at one of our network facilities, Breakaway Honda. On January 25, 2016, Mr. [redacted] dropped off his vehicle and obtained a rental car. Our estimate of damage to Mr. [redacted]’s vehicle totals $1,557.52 and repairs have started.  I’m sorry for any inconvenience Mr. [redacted] experienced because of the claim delay. If you have any questions, please call me at 1-803-576-4101.Sincerely, Ken W[redacted]Ken W[redacted]Claims Manager

Attached is our response and supporting documents.Business response copied and pasted below by Revdex.com staff ** 2/9/17.February 3, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy...

Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Advanced Insurance CompanyMs. [redacted]I’m writing in reply to your letter dated January 28, 2017.Mr. [redacted] electronically signed his policy Application on June 29, 2016. The Application lists the discounts that apply to the policy. The Online Sign[redacted]e Discount is listed on the Application and states that it is applied to the first policy period only. I’ve included a copy for your reference.In the state of [redacted] applicants are asked at the time of their quote if they’ve had any not at-fault accidents or comprehensive claims within the past 39 months. Mr. [redacted] completed the quote online, and he correctly stated that he had one not at fault accident that occurred on January 4, 2014. I’ve advised Mr. [redacted] that this incident will no longer be included with his violation history during his next renewal cycle.The insurance history information we obtain is from a Consumer Report called [redacted]. We aren’t always able to fully verify all of the specifics regarding insurance history from the reports. So, there are times that we need to request additional proof from our customers. Prior insurance details were discussed during a phone call with Mr. [redacted] on February 1, 2017. Based on our conversation, I’ve updated his prior insurance information to reflect continuous insurance for 36 months or greater. A credit of $8 has been applied to the policy and an updated policy document was sent to Mr. [redacted] via email to confirm the change.Please call me at 1-440-620-7247 with any further questions.Sincerely,Vicki F[redacted]Vicki F[redacted]Consumer Relations Specialist

Revdex.com:
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]This is incorrect but I will make note on line so in the future other will know what they are up against.  Thank you Revdex.com for your help in this matter.
Regards,
James [redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]September 22, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]  Policy Number: [redacted] Policy Type: Personal Auto  ...

NAIC Number: [redacted] Company Name: Progressive Casualty Insurance Company Mr. [redacted],I’m writing in reply to your letter dated September 16, 2017. I appreciate the opportunity to explain the reasons why Mr. [redacted]’s policy has changed in rate and what we can do to help him. I hope the following information is helpful to both you and to Mr. [redacted].As with all our new business, our process is to verify the information provided to us during an Application. We asked Mr. [redacted] to contact us before September 23, 2017, to verify household members that he indicated should not be covered on our policy, by providing a copy of their insurance declaration page showing that each one of those drivers have bodily injury and property damage liability coverage with another company. If proof hasn’t been sent, we may be required to add these drivers or cancel the policy. The other policy verification is required by October 3, 2017. This is a general verification to ensure that we are adequately rating his policy. We want to make sure that all the information that he provided to us is accurate and that the rates he is paying is the lowest possible for him. I wanted to clarify that Mr. [redacted]’s policy was originally sold at $2,959 for six months, and on August 31, 2017, we adjusted the Personal Injury claims from 0 to 1, based on total number of accidents resulting in injury within the last 59 months. This change caused an additional increase of $546 to the policy. The total cost of the policy, as of today, is $3,350.I understand how confusing insurance can be, and I’d be happy to help Mr. [redacted]. If he is able to provide the information that we need, I’d be happy to make certain the cost of his policy is fair and adequate. I can be reached at [redacted]. Sincerely,Rose V[redacted]Consumer Relations Specialist Sr.