Progressive Corporation

February 26, 2016Revdex.com 2800 Euclid Avenue, 4th floorCleveland, OH  44115Attn: Aisha IbrahimRe: File Number: [redacted] Customer Name: [redacted] Claim Number: 16-2803734 Policy Type: Personal Auto NAIC Number: 155-16322 Company Name: Progressive Direct Insurance CompanyMs. Ibrahim,I’m writing in response to your follow up letter dated February 19, 2016.  Per our previous response, both Ms. [redacted] and Mr. [redacted] gave recorded interviews of their version of the facts. Unfortunately, the versions are different. Ms. [redacted] states she entered to make her turn from the outside turn lane on a yellow arrow. Mr. [redacted] confirms he saw Ms. [redacted] in the intersection clearing her turn when his light turned green, and he proceeded to attempt to make a right turn anyway.  Our liability decision at this time remains unchanged. In addition, Mr. [redacted] has filed a claim with his insurance carrier, USAA, to have the damages repaired on his vehicle. Both USAA Insurance and we are members of Arbitration Forums.  Therefore, if USAA disagrees with the liability decision we made, they can have the matter submitted through Arbitration Forums where an independent insurance representative, who is a member of Arbitration Forums, will review the liability.This claim has been reviewed by several parties and it was at no time determined that there were any unprofessional conversations with Mr. [redacted].  I’m sorry for any inconvenience this has caused Mr. [redacted]. If you have any questions, please call me at 1-402-972-4843.Sincerely,Kimberly G[redacted]Kimberly G[redacted]Claims Supervisor

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

February 10, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115Re: File Number: [redacted] File Name: [redacted] Policy Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyTo whom it may concern, I’m...

writing in reply to your letter dated February 5, 2016. We appreciate the opportunity to respond to Ms. [redacted]’ concerns.I am unable to address Ms. [redacted]’ concern pertaining to a lower rate her friend obtained through another carrier. Each insurance company develops its rates differently based upon their individual rates and rules. Our rates are approved and are on file with the Florida Department of Insurance. We base our rates on a number of different factors, some of which are driver age, marital status, driving record, vehicle type, and financial responsibility. We find we are able to provide the best possible rates to our customers by using a combination of these factors. I have reviewed Ms. [redacted]’ policy and see that all applicable discounts are currently being taken into consideration and that we are offering her the best rate possible at this time.On September 5, 2015, we sent Ms. [redacted] a Renewal Offer for the policy period in effect from October 9, 2015 through April 9, 2016. The policy is set up on a monthly bill plan consisting of an initial payment to renew the policy in addition to five monthly installments. On September 23, 2015, we mailed a Renewal Reminder along with a Payment Schedule letting Ms. [redacted] know her prior policy period would be expiring October 9, 2015 and that we must receive her renewal payment of $140.20 no later than October 9, 2015 to avoid a lapse in coverage.The renewal payment of $140.20 was not received by the renewal date of October 9, 2015 causing the policy to lapse or expire.On October 12, 2015, we received Ms. [redacted]’ payment of $140.20. The policy was renewed. On October 25, 2015, we mailed a bill letting Ms. [redacted] know a payment of $137.16 must be received by November 9, 2015. This would be considered her first monthly installment. Four monthly installments remain due as shown on the Payment Schedule.On November 16, 2015, we mailed a Cancellation Notice because the installment payment due on November 9, 2015 was not received. This notification lets Ms. [redacted] know her policy would cancel as of December 1, 2015 if her payment of $137.16 was not postmarked on or before December 1, 2015.No further payments were received causing the policy to cancel effective December 1, 2015. A Final Bill was mailed on December 2, 2015.On December 13, 2015, we received the November installment payment of $137.16 and the policy was reinstated. We mailed a Reinstatement Notice on December 13, 2015.On December 24, 2015, we mailed a bill for $283.32, due January 9, 2016. This bill consists of both the December installment as well as the January installment. On January 19, 2016, we mailed a Cancellation Notice letting Ms. [redacted] know her payment of $283.32 must be postmarked on or before February 3, 2016 to avoid the policy cancellation.No further payments were received causing the policy to cancel effective February 3, 2016.The balance remaining due in the amount of $270.52 is for coverage provided from October 9, 2015 through the cancel date of February 3, 2016. Only the initial renewal payment and the first monthly installment payments were received.If Ms. [redacted] replaced coverage with another carrier prior to the cancel date of February 3, 2016, please provide a copy of the policy that confirms coverage dates, coverage limits and vehicles covered. If she has replaced coverage, I will be happy to adjust the cancel date as well as the unpaid balance due.If she did not replace coverage with another carrier, the balance of $270.52 is accurate and remains due.I’m sorry for any confusion Ms. [redacted] experienced.If you have any questions, please call me at 1-440-620-6941.Sincerely,Eva D[redacted]
Eva D[redacted]Consumer Relations Specialist

[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:The...

police found the vehicle on tuesday around 1am. I do hope that for future, progressive can help anyone whos car was stollen with a snapshot in it, be found quicker. However, my situation has been resolved. Thank you
Regards,
[redacted]

Mr. T[redacted],
Attached is our response and supporting documents.
Thank you,
Rose S[redacted] Consumer Relations Specialist [redacted]

Please find our response regarding file number :[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]
I have NOT received a copy of any disclouser that I have asked for, was not informed by agent for Progressive there would be a charge for cancellation of policy. I have requested doc. I have spoken with other insurance companies and there are no laws they are aware of that only apply to NY if you cancel before 6 months you are charged a fee. I found other insurance at a great discount compared to Progressive and I feel it is discrimation to me that they are trying to charge me this. I am a disabled person and live on SSD. I was questioned by agent when I called Progressive to cancel who I was moving my policy with. When I told the agent that was when they told me about the charge. The agent from [redacted] & [redacted] NEVER told me about a fee and had told me she was just "fitting " me into her busy day.... I NEVER had time to read anything and she did NOT explain about a charge. My next step will be to put an ad in the newspaper locally and explain what has occured. This company is so desperate for money they are doing this to CERTAIN NY residents.

(The following was copy/paste by Revdex.com staff - LST)[redacted]June 6, 2017Revdex.com2800 Euclid Ave., 4th FL Cleveland, OH 44115-2408Attn: Lou [redacted] Re: File Number: 12182937 Customer Name: Pamela [redacted] Claim Number: [redacted]          Policy Type:...

[redacted] Policy Type: Personal Auto     NAIC Number: [redacted] Company Name:Mountain Laurel Assurance Company        Mr. [redacted],I’m writing in reply to your letter dated May 31, 2017. I appreciate the opportunity to respond to Ms. [redacted]’s concerns, regarding our handling of the claim and the repairs to her vehicle.  On April 17, 2017, we issued a policy for Ms. [redacted].On May 6, 2017, we received report of claim from Ms. [redacted]. She stated that another party’s vehicle backed into her 2013 Nissan Altima.  On May 8, 2017, we assigned the claim to a claims representative, Daniel [redacted]. He attempted to contact Ms. [redacted] via phone, email, and text message, but was unsuccessful. On May 9, 2017, Mr. [redacted] attempted to reach Ms. [redacted] again and was still unsuccessful. On May 11, 2017, we received a statement from Ms. [redacted], who stated that she was driving down the aisle of a parking lot, when another party backed into her driver’s side quarter panel. She stated that she called 911, but didn’t think a report was made regarding the loss. Since we didn’t have the other party’s information and her policy was taken within 30 days of the loss, we asked Ms. [redacted] to provide a screenshot of her phone call to the police and a picture of the receipt from the store she was visiting, so that we could independently verify the date of the accident. That same day, Mr. [redacted] scheduled Ms. [redacted] to bring her vehicle to [redacted] for an estimate on the damages to her vehicle. He also advised her that she wasn’t at fault for this loss.  On May 12, 2017, Mr. [redacted] spoke with Ms. [redacted] and asked her to send in information, regarding her prior policy with [redacted], for us to rule out any overlapping insurance coverage. On May 16, 2017, Mr. [redacted] received a call from Ms. [redacted] and advised her that we hadn’t received the information requested. On May 22, 2017, we completed an estimate on Ms. [redacted]’s 2013 Nissan Altima for $1,486.84 ($986.84 after her $500 deductible).On May 23, 2017, Mr. [redacted] contacted Ms. [redacted] and left a message, advising her that we did receive the screen shots from her phone but there weren’t any dates or times listed, and the other information requested wasn’t received in the email. On May 24, 2017, and May 26, 2017, we spoke with Ms. [redacted] and advised her that we were still waiting for the items requested to determine the date of loss and rule out overlapping coverage. Ms. [redacted] advised she didn’t have any receipts from the store she was at during the time of loss. On June 1, 2017, Claims Supervisor Winona [redacted] made a three-way call to [redacted] and confirmed Ms. [redacted]’s prior insurance policy canceled on April 18, 2017, therefore, ruling out overlapping coverage. She also determined that the screen shot sent in by Ms. [redacted] was enough information to independently verify the date of loss and cleared coverage. Ms. [redacted] then left a message for Ms. [redacted] to inform her that we’d cleared coverage and to find out if she wanted to move forward with repairs. On June 5, 2017, Mr. [redacted] spoke with Ms. [redacted], and her vehicle is now set up to have repairs completed at [redacted]. We offered her a rental vehicle under her policy, but she declined and will be dropping her vehicle off for repairs on June 6, 2017.I’m sorry for the inconvenience Ms. [redacted] experienced and hope that she understands why we had to confirm the necessary information to complete our investigation. If you have any questions, please call me at [redacted]Sincerely,Sarah [redacted]Claims ManagerEnclosure

October 20, 2016Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted]   File Name:   [redacted]   Claim Number: [redacted] Policy Type: Personal Auto  NAIC Code: [redacted]  Company...

Name: Progressive Southeastern Insurance Company    Ms. [redacted],Thank you for your letter dated October 13, 2016. I appreciate the opportunity to address Ms. [redacted]’s concern. On September 2, 2016, we completed an estimate for the repairs to Ms. [redacted]’s vehicle. She has obtained several other estimates from shops in the region that all differ. It’s typical for estimates to differ in amount from shop to shop, or from shop to insurance estimate. Ms. [redacted] requested that we revise our estimate to include refinishing the rear quarter panel and utilizing replacement OEM parts.Upon further review of the estimate, we agree with the need of refinishing the left quarter panel due to the extent of damage to that part. We will supplement our estimate to reflect this. We noted the part replacement request as being an OEM part that has been recycled. In the event the shop of choice is unable to acquire or utilize this part, we will complete a re-inspection and adjust the estimate as necessary.Typically, the next step in the repair process would be for Ms. [redacted] to choose a repair facility. Then, we can work with this facility to determine any differences and reach an agreed price for the repairs of her vehicle.If you have any questions, please call me at 1-828-273-0957Sincerely,Rob A[redacted]Rob A[redacted]Progressive Claims Supervisor

November 1, 2016Revdex.com, Inc.2800 Euclid Avenue 4th FloorCleveland, OH  44115-2408Attention: [redacted]Re:   File Number: [redacted]        Customer: [redacted]        Policy Number:       [redacted]        Policy Type: Personal Auto        NAIC Number:        [redacted]        Company Name:   Progressive Advanced Insurance Company                        Ms. [redacted],I’m writing in reply to your letter dated October 17, 2016. On August 15, 2016, we sent a revised Renewal Bill for an amount due of $171.70. In receiving the payment for $105.02, this left a remaining amount due of $66.68. We mailed the Cancellation Notice on September 14, 2016, after receiving the call on September 2, 2016. Please call me with any questions at 1-440-620-6942.SincerelyAnnie G[redacted]Annie G[redacted]Consumer Relations Specialist

Response attachedSBusiness response copied and pasted below by Revdex.com staff MT 3/20/17:March 17, 2017Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH   44115-2408Attn:  [redacted]Re:  File Number: [redacted]       Consumer Name: [redacted]...

[redacted]       Quote Number: [redacted]Ms. T[redacted]I’m writing in reply to your letter dated March 5, 2017.Our records indicate Ms. W[redacted] attempted to obtain a quote with our company. When we reviewed the quote, we received information that Ray [redacted] was a potential driver in the household. Therefore, we asked out for additional information. However, there was a misunderstanding that the information Ms. W[redacted] submitted wasn’t viewed as acceptable proof when it was acceptable.I’m so sorry for the frustration Ms. W[redacted] experienced. It wasn’t our intention to for this to happened. We were only following procedures when an individual is showing up as a household member.Ms. W[redacted] is absolutely right in feeling the way that she did regarding our actions. Please know that we do have procedures in place for those who are, or have been, in an abusive relationship. We will never contact the abuser once we are made aware of the situation. I see that Ms. W[redacted] did make us aware of her situation, prior to us sending the email for additional information, and I am sorry for our mistake. We do train our representatives to be aware of what the customer needs are. In view of this situation, we are providing feedback to the representative involved so we can be sure this does not happen again going forward.We regret losing Ms. W[redacted] as a customer and the frustration this caused. We will make every effort to prevent this from happening again. We hope that she will consider us again in the future. If you have any questions, please call me at [redacted]Sincerely,Annie [redacted]Annie [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.The company still does not understand the complaint. You cannot change someone's policy without their permission and then tell that person he/she has to provide documentation for something that was changed without their permission. I had let the representative know that I did not need business insurance because my car is 90% used for COMMUTiNG  and Progressive cannot tell me otherwise. It should have been the end of that conversation and she just could have continued to only help me with my claim.I will proceed with my cancellations and I will not refer the company to any one else. It is not NAME YOUR PRICE.
Regards,
[redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12149293, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. progressive is  completely missing the point.My complaint is about their adjuster Martin [redacted] screaming at me on the phone,after 20 years of claimless payments to progressive, I was treated unbelievably. They are trying to sweep this under the rug obviously. Regards,
J P

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.
There are two open credit cards in Mr. [redacted]'s name.  I spoke to a representative who has said that our insurance premium would be lower in my name, rather than my husbands.  This doesn't make much sense, since the credit cards are open in both our names.   Nonetheless, I've changed our insurance to my name ([redacted]) instead of my husband's ([redacted]).  This has lowered our premium significantly.  I have seen the cancellation of our old policy, but have not seen any documentation related to our new policy.  Once this is received, I will close the complaint.However, I would also like to state that your phone representative that I first spoke with was very unhelpful.  Once transferred to another representative, I was able to have someone provide a reasonable option of switching the insurance to my name.  
Regards,
[redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]June 27, 2017Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]  Re: File Number: [redacted]   Customer Name: [redacted]    Policy Number: [redacted]  Policy...

Type: Motorcycle    NAIC Code: [redacted]    Company Name: Progressive Advanced Insurance Company              Mr. [redacted]I’m writing in reply to your inquiry dated June 21, 2017. I understand that Mr. [redacted] disagrees with the amount of his refund, and I’m sorry for that. We’ve previously addressed this issue with the [redacted] (DOI) and Mr. [redacted]. To date, the DOI hasn’t requested any additional information or contacted us indicating that they believe we owe Mr. [redacted]’s any additional money. We file our cancellation methods with the department, and we informed Mr. [redacted] how we cancel when he purchased his policy. I’ve attached all the correspondence and the policy documents we provided to the DOI. I’ve also included all of Mr. [redacted]’s policy documents for his records.I hope I’ve clarified this matter, we do consider it closed. If you have any questions, please call me at [redacted].Sincerely, Jeff P[redacted]Consumer Relations Specialist

September 6, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMs....

[redacted],I’m responding to your letter dated August 31, 2016. Thank you for the opportunity to clarify the situation.At the time of Mrs. [redacted]’s inquiry, her next payment was due on September 4, 2016. Because our policy and billing system is real time/immediate, we cannot process changes with an advanced effective date. We can only pend the change with a future effective date, which will then process on the actual date and make billing adjustments accordingly.Mrs. [redacted] mentioned that she had some trouble trying to remove our automated payment option from the policy, and she’d like the opportunity to try this option again. I’m sorry for the frustration and would be glad to personally help her arrange this payment option again when she is ready.Mrs. [redacted] can contact me directly at 1-440-620-6943.Sincerely,Nancy A[redacted]Nancy A[redacted]Consumer Relations Specialist

February 2, 2016Revdex.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: Progressive Direct Insurance CompanyMs....

[redacted], I’m writing in reply to your letter dated January 26, 2016. I understand Mr. [redacted]’s frustration that we are unable to order credit at the current renewal. Based on the way we are filed, we are able to order credit once every 12 months. Since we ordered Mr. [redacted]’s credit information in July 2015, for the current policy, we won’t be able to order the credit again until the renewal that will start on August 15, 2016. Unless a customer requests that we order credit, we only order credit for a review every 36 months. I’m sorry for any inconvenience that this may cause Mr. [redacted]. If you have any questions, please call me at 1-440-395-3383.Sincerely, Janeen H[redacted]Janeen H[redacted]Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - LST)[redacted]January 30, 2018Revdex.com [redacted]Cleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted]   Customer Name: [redacted]   Policy Number: [redacted]   Policy Type: Personal...

Auto NAIC Number: [redacted]  Company Name: Progressive Classic Insurance Company Mr. T[redacted] I received your January 6, 2018 letter. Thank you for your patience while I looked into Ms. H[redacted]’s concerns related to her 2015 request to reduce the coverages for her vehicle. I’ve reviewed the policy history and calls made to us during that time, and I’d like to explain what took place. On October 29, 2015, Ms. H[redacted] called to ask about her options for coverage while she had her 1999 Ford Mustang in storage. At that time, we offered Comprehensive only coverage and the addition of Roadside coverage, which Ms. H[redacted] accepted. The resulting credit would have paid the policy in full. Ms. H[redacted] also signed up for Paperless documents during this call, which allowed her to receive notifications about the activity on her policy by email and to access the documents issued for her policy online. Although she mentioned having moved out of state at the beginning of the conversation, we didn’t secure her new address or make any changes to the address at that point. Later that same day, Ms. H[redacted]’s agent, Donna, from [redacted] Insurance Services, called with concerns about the coverage change Ms. H[redacted] had made to the policy. In review of the guidelines, we confirmed that for the State of Oregon, Comprehensive only coverage would only be acceptable for Ms. H[redacted]’s policy if she were a military risk, which Donna confirmed didn’t apply. We let Donna know that we could allow Physical Damage Only, which would require Collision in addition to the Comprehensive coverage, and she asked that we make this change. We issued a Declarations Page, confirming the change, along with a letter and a state mandated form for Ms. H[redacted] to sign and return, acknowledging her selection of Physical Damage only coverage. Based on the Paperless option chosen by Ms. H[redacted], we notified her by email at [redacted] of the documents available for her review online. On November 24, 2015, because we hadn’t received the signed Physical Damage Form from Ms. H[redacted], we changed the coverages back to what she had originally, prior to any of the changes made on October 29, 2015. We issued a Declarations Page, confirming the change, along with a letter explaining the reason for the change and another Physical Damage Form for her signature, should she still want to reduce her coverage. We also sent Ms. H[redacted] an updated Payment Schedule, showing the next scheduled withdrawal of $144.72 for December 26, 2015. Using her chosen method of communication, we notified her by email of the documents available for her review online. On December 25, 2015, Ms. H[redacted] called to get additional information about the payment scheduled for withdrawal the following day. We went over the changes made, informed her of the notifications sent by email and explained the amount due. Ms. H[redacted] then chose to reduce her coverage to include liability and Comprehensive only. We let her know that this would decrease her payment withdrawal scheduled for the 26th to $122.88. At this point, we also updated the policy address to reflect her new address in Dothan, Alabama. On January 25, 2016, Ms. H[redacted] discontinued the automatic payments for her policy. On February 1, 2016, we hadn’t received Ms. H[redacted]’s payment due for January and sent her a Cancellation Notice for February 12, 2016, via U.S. Mail, to her updated Alabama address.On February 12, 2016, at 12:01 a.m., we canceled Ms. H[redacted]’s policy for nonpayment. In my review of the policy, I do see where we had some opportunities when it came to providing Ms. H[redacted] with accurate information about the coverage options based on her p[redacted]icular situation and the state requirements. However, we did provide proper notification based on her choice for Paperless documents, and we do require payment on the policy to continue coverage. I’ve enclosed policy documents for your review.  While I wish I would’ve had the opportunity to help Ms. H[redacted] more when this first happened, because of the amount of time that has passed, I can’t offer to eliminate any gaps in her coverage, as she’s requested. I hope she can understand this. I appreciate her bringing her concerns to our attention, and I’m very sorry for the frustration caused by this experience. Please call me at [redacted] if you have any questions. Sincerely, Anna O[redacted]Anna O[redacted]Consumer Relations Specialist

[redacted]May 12, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] File Name: Shanequa [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted]...

Company Name: Progressive max Insurance CompanyMr. [redacted],Thank you for your May 1, 2017 letter and for the opportunity to address Ms. [redacted] concerns about the settlement of her claim. On April 7, 2017, Ms. [redacted] was involved in an accident with our customer, and we accepted full liability for the accident on April 11, 2017. We deemed Ms. [redacted] 1999 Isuzu Grand Vitara a total loss on April 14, 2017.On April 18, 2017, we made an offer for the total loss of Ms. [redacted] vehicle; however, we needed a properly executed title to issue payment. The title for Ms. [redacted] Isuzu listed two liens. She explained that there weren’t any active liens on the vehicle, but Ms. [redacted] didn’t have lien releases from the bank.  On May 9, 2017, we were able to secure the lien release for Ms. [redacted] vehicle. We’re currently awaiting a return call from Ms. [redacted] so we can secure the properly executed title in exchange for the settlement of her 1999 Isuzu.  We appreciate Ms. [redacted] patience and cooperation while we work to resolve this claim. I’m happy to answer any questions. You can call me at [redacted]Sincerely,Keith [redacted]Claim Manager

December 17, 2015Revdex.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 December 12, 2015. I'm sorry for anyinconvenience and appreciate the opportunity to clarify the situation.Our liability investigation determined [redacted] was at least 51percent at fault forthe loss, thus barring him from recovery under the Uninsured Motorist (UM) of hispolicy. [redacted] lost contol of his 2003 Harley Davidson and struck a stationaryvehicle. We obtained a statement from [redacted]’s passenger, [redacted], whoconfirmed he was travelling too fast for conditions and lost control of themotorcycle. It’s our understanding that the carrier for the other party paid[redacted] based upon a business decision and not because of the results of theirliability decision. Furthermore [redacted], who has a UM policy that covers [redacted],also found him at least 51 percent at fault.On January 27, 2014, Claims Representative James L[redacted] advised [redacted]’s firstattorney of our liability decision. We received a demand from [redacted]’s attorneyin January 2015. We responded to this demand on January 28, 2015, againadvising of our liability decision and requesting they provide any additionalinformation that might alter the results of our investigation.In August 2015, we received a demand from [redacted]’s second attorney. Weresponded to this demand on September 30, 2015, again advising of the results ofour liability investigation and again requesting any additional information thatwould alter the results of our investigation.In October 2015, we received an additional letter from [redacted]’s guestpassenger, [redacted], in which she noted that [redacted] has on multipleoccasions asked her to change her statement regarding the facts of loss. Afterreviewing the details of this letter, our liability decision remained unchanged. Werelayed this to [redacted] and his attorney. We advised again that they couldpresent any other information that might alter the liability investigation.The facts of loss remain as initially reported. [redacted] lost control of hismotorcycle and struck a stationary vehicle. The carrier for the other vehicle made abusiness decision to pay [redacted] their minimum policy limits and [redacted], thesecond level of UM available, agrees with our liability decision. I’m sorry for hisfrustration, but to date, we haven’t received any additional information that wouldalter our liability decision.If you have any questions, please call me at 1-[redacted].Sincerely,Sam ** H[redacted]Sam ** H[redacted]Claims Supervisor