SELECTIVE INSURANCE COMPANY OF AMERICA

We had a lightion claim to siding and A/C compressor . The adjuster for the siding was ok and respectful . However his estimate was very low .
Ths consultant for the A/C compressor was rude and disrespectful . In addition he suggested we replace the A/C condenser on the BLACK market . They are no longer used by the current contractors . I requested a contractor to repair from the insurance company and the Insurance company did not respond . This consultant acted as a HIT MAN from the carrier . He is paid by the carrier to reduce estimates for the carrier !

[redacted] Please allow this correspondence to serve as our response to the Revdex.com’s letter dated October 14, 2014, regarding the above referenced matter [redacted] is alleging that Selective Insurance Company of America’s insured caused damage at his home when hired to complete a remodeling jobOur investigation into the facts of this claim is on-goingWe are delayed due to difficulties gathering the necessary information to complete our investigationOur adjuster has spoken with Mr [redacted] on different occasions and responded to his e mails on 9/3/14, 9/10/14/, 9/15/14, 9/29/14, 10/10/and 10/15/explaining the reason for the delaysAll efforts are being made to resolve this claim as quickly and fairly as possibleWe foresee this claim being resolved in the very near future Please feel free to contact *** [redacted] or e-mail: [redacted] if you need any further information or documentation Sincerely, Todd Schaffer Field Claim Supervisor

Dear ** ***:
Please allow this correspondence to serve as our response to
your Revdex.com letter of regarding the above referenced matter
Selective has been in contact with the claimant regarding
this matter and informed him that Selective would pay the
estimate of $
The estimate has been reviewed and agreed upon as a viable repair by the
body-shop conducting the repairs, which included additional labor time and
materials to tint the paint and complete a test panel to insure an appropriate
paint matchIn addition, Selective offered to allow a detail and buff or the
entire vehicle to insure the paint luster would be consistent with the newly
repaired and painted front bumper coverThis was a viable and reasonable
alternative to the claimant’s demand that non-damaged parts be blended during
the refinished processSelective has been in constant communication with the
claimant, via telephone, email and mail in an effort to settle this matter
Please feel free to contact *** ***, *** ***, at
*** if you need and further information or documentation
Sincerely,
Claims Service Center
Selective Insurance Company of America

It appears that Having business Insurance these days is a joke. I had some equipment stolen from me and the insurance company had to pay out, this was at no fault of mine, then we had a very small claim on damages to a property which was an unforeseeable accident, today I get a certified letter stating my insurance premium will increase 332%!! So it seems that this company wants to collect all the money they paid out. REALLY! This company is a joke and I encourage anyone looking to be insured with them to be cautious and read policy disclaimers. Why should I be penalized for things out of my control.

[A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]

Selective Insurance Co. failed to pay for the total amount of the estimate, beware and DON"T SIGN the release form till the vehicles repairs are complete. That's one way they will get you!!!!!

[redacted]
Please allow this
correspondence to serve as our response to the Revdex.com’s letter
dated October 14, 2014, regarding the above referenced matter.
[redacted] is alleging that
Selective...

Insurance Company of America’s insured caused damage at his home when
hired to complete a remodeling job. Our investigation into the facts of this
claim is on-going. We are delayed due to difficulties gathering the necessary
information to complete our investigation. Our adjuster has spoken with Mr.
[redacted] on 3 different occasions and responded to his e mails on 9/3/14,
9/10/14/, 9/15/14, 9/29/14, 10/10/14 and 10/15/2014 explaining the reason for
the delays. All efforts are being made to resolve this claim as quickly and
fairly as possible. We foresee this claim being resolved in the very near
future.
Please feel free to contact [redacted] or e-mail: [redacted]
if you need any further information or documentation.
Sincerely,
Todd Schaffer
Field Claim Supervisor

This company is highly unprofessional. Though their correspondence states to "please contact us if you have any information that is contrary to that expressed, or if you have any questions, comments or objections, to please contact the undersigned", undersigned being the agent assigned to handle your insurance claim, good luck in ever getting anyone to return your phone calls or emails.

I waited over one month for Todd Shaefer (the person who answers many of these complaints) and is Selective's own Field Supervisor, to contact me because the agent purportedly handling my case failed to do so. I finally resorted to getting in touch with him via a completely different department- and only then was I able to get the ball somewhat rolling again. Yes. They are THAT bad. They grossly low-ball their settlement offers, even after providing multiple repair bids (not estimates, firm BIDS).

Selective will leave you in a lurch, having to fork out several thousand more dollars to have issues addressed that were caused by their insured. Dealing with Selective Insurance and MUSIC has been nothing short of frustrating. This is the insurance business, folks. It's hard to believe the people participating in and running this firm sleep at night as they willfully cheat people out of fair settlements with zero disregard. All I can say is, next time I hope the damaged party is YOU so you can get a whiff of your own medicine.

Selective Insurance Co. failed to pay for the total amount of the estimate, beware and DON"T SIGN the release form till the vehicles repairs are complete. That's one way they will get you!!!!!

Review: Selective Insurance has been very slow to respond to my health issues (claim #[redacted]). I slipped on the ice at work & tore all the tendons & ligaments in my ankle. The first surgery was not successful. They took weeks finding a Doctor of their choice; my ankle was black & swollen. Walking was very painful & difficult. They have hindered my recovery by not approving the second opinion in a timely fashion. After the second surgery, the doctor would prescribe therapy between my monthly visits to him in Indianapolis, I would end up not going to 3 to 4 of them because of their delay in approving them. The first 3 or 4 visits to the doctor (which was a round trip of 328.3 miles each time) I was not allowed to drive. They only paid standard mileage at $ .44 a mile as if I drove myself. They would not compensate my driver. The payments they did make were weeks late. I went to the doctor this June 24th & have sent them 4 e-mails & as of yet they have not paid me or answered any e-mails.Desired Settlement: Pay my outstanding trip to Indy 6/24/13 & compensate my driver for 8 hours per trip trips.

Business

Response:

After speaking with [redacted] from the company on 10/7/13 she stated the customer's claims have been paid and any further issues he should contact [redacted] or the [redacted].

Review: Failure to process and delay of filed insurance claim from 08/19/2014 , failure to respond to follow up emails attempted phone calls.Desired Settlement: Decision from insurance company regarding claim filed

Business

Response:

[redacted]

Please allow this

correspondence to serve as our response to the Revdex.com’s letter

dated October 14, 2014, regarding the above referenced matter.

[redacted] is alleging that

Selective Insurance Company of America’s insured caused damage at his home when

hired to complete a remodeling job. Our investigation into the facts of this

claim is on-going. We are delayed due to difficulties gathering the necessary

information to complete our investigation. Our adjuster has spoken with Mr.

[redacted] on 3 different occasions and responded to his e mails on 9/3/14,

9/10/14/, 9/15/14, 9/29/14, 10/10/14 and 10/15/2014 explaining the reason for

the delays. All efforts are being made to resolve this claim as quickly and

fairly as possible. We foresee this claim being resolved in the very near

future.

Please feel free to contact [redacted] or e-mail: [redacted]

if you need any further information or documentation.

Sincerely,

Todd Schaffer

Field Claim Supervisor

Review: selective insurance policy holder hit my parked vehicle. body shop estimate was approximately $1700, my insurance company's estimate was also approximately $1700, selective's estimate was approximately $1100 with refusal to provide a supplemental to the body shop for the difference in damages. I am the claimant, not the one responsible for the damage. They failed to provide complaint information for their company as well. Very uncooperative.Desired Settlement: repair my vehicle to its original condition as per two outside estimates.

Business

Response:

Dear [redacted]:

Please allow this correspondence to serve as our response to

your Revdex.com letter of regarding the above referenced matter.

Selective has been in contact with the claimant regarding

this matter and informed him that Selective would pay the estimate of $1250.49.

The estimate has been reviewed and agreed upon as a viable repair by the

body-shop conducting the repairs, which included additional labor time and

materials to tint the paint and complete a test panel to insure an appropriate

paint match. In addition, Selective offered to allow a detail and buff or the

entire vehicle to insure the paint luster would be consistent with the newly

repaired and painted front bumper cover. This was a viable and reasonable

alternative to the claimant’s demand that non-damaged parts be blended during

the refinished process. Selective has been in constant communication with the

claimant, via telephone, email and mail in an effort to settle this matter.

Please feel free to contact [redacted], at

[redacted] if you need and further information or documentation.

Sincerely,

Claims Service Center

Selective Insurance Company of America

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Selective is on my list of DO NOT THINK OF DOING BUSINESS WITH COMPANIES WHO HIDDEN FEES ARE BROUGHT OUT WHEN YOU ARE CANCELLING THEIR SERVICE. Make sure if you plan to deal with Selective you DEMAND (in the beginning) they discuss with you their hidden fees; "just in case" if and when you might decide some other company can offer better services that will fit your family’s financial needs. Long story short, I owe X amount of dollars because I found cheaper insurance for me and my family.

This insurance company is the worst in providing any kind of resolution or decent customer care. They do not call you back unless you ask to speak to a supervisor. They fail to answer questions or follow through with information about a valid claim. They want you to get tired and give up. They have been involved in insurance fraud and covering up accidents.

Review: One of Selective's client was involved in an accident with my car. During repair, they pay for a certain amount of time. The repair job took more time than expected.The shop called them and informed me that Selective agreed to pay for the extended time. To my surprise, a month after the rental company called to tell me selective refused to pay for the extended time.Desired Settlement: they have a responsibility to pay the money to the rental company

Business

Response:

Revdex.com of New Jersey complaint [redacted] - Selective was incontact with [redacted] regarding this matter and informed him that Selectivewould only pay for the car rental until June 27, 2014. This was five moredays than originally authorized due to the body shop’s delay in repairing **.[redacted]’ vehicle. It seems that the body shop incorrectly advised **. [redacted]that Selective would pay for the additional rental time, even though the bodyshop was also informed that Selective would only pay for the rental until June27, 2014. Selective recommended to [redacted] to discuss this matterwith the body shop and seek his out of pocket expenses from the body shopbecause of its delay in repairing the vehicle.

Review: My vehicle was involved in an accident with an individual who was insured through Selective Insurance. Selective accepted liability as my vehicle was parked and unoccupied when it was hit. Rather than subrogate the claim through my insurance company and come out of pocket with the deductible and wait to be reimbursed, I proceeded with the claim through Selective. I have [redacted]. The adjuster sent by Selective only wrote for the front and back bumpers to be replaced. When I pointed out the damage to the grill the adjuster said he could not write for it because he would have to open to hood to assess the damage and he was not willing to open the hood at that time. He told me to have the repair facility supplement the claim and wrote the check for the two bumpers. The repair facility attempted to supplement the grill for repair and Selective refused to cover it. I contacted my insurance company per the request of the repair facility, #1 [redacted], and [redacted]'s adjuster stated that the grills should be covered as they were damaged in the accident however the total for the grills did not exceed my deductible, and since [redacted] was unable to pay on the claim they were unable to pursue subrogation against Selective. So now if I want my car fixed all the way I would have to pay out of pocket and there are no guarantees that Selective will pay without me having to take them to court. The accident was clearly Selective's insured fault and now my car is being returned to me no fixed completely unless I fork out more money to sue them which is not the way the practice should be run as they should pay to have all the damage fixed without the need for a lawsuit and me to pay out of pocket to have it fixed first.Desired Settlement: At this point I want my car repairs to be paid for up front, and I think financial compensation is in order due to the unnecessary hassle of it all.

It appears that Having business Insurance these days is a joke. I had some equipment stolen from me and the insurance company had to pay out, this was at no fault of mine, then we had a very small claim on damages to a property which was an unforeseeable accident, today I get a certified letter stating my insurance premium will increase 332%!! So it seems that this company wants to collect all the money they paid out. REALLY! This company is a joke and I encourage anyone looking to be insured with them to be cautious and read policy disclaimers. Why should I be penalized for things out of my control.