Skins & Armor

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.] I did get the money for the rent a car, but I am still awaiting my $deductibleThe policy report states it was not my faultI also lost items out of truck when they towed my car to coparts They didn't not care - they told me to turn it in one my home owners insurance I do appreciate then getting me payment for my car minus the deducible $which is due to meMy car was knocked into two park car because I was hit in the back endI appreciate them being kind to everyone.
Regards,
*** ***

I would like to start off by saying that Esurance is one of the worst insurance companies I have ever dealt with ever in lifeI unfortunately had an accident on February 13, I filed a claim the same day and was told that I had to provide my own towing to get my car off the lot of Great Southern BankAlthough I have towing included in my policyHowever the police was able to have Bolen towing company to pick up my car and they took it to there lotThat following Tuesday I went to Bolen to get my items and was told that I could not get my items because od some bad blood wit EsuranceI called my claims adjuater Brian who has a great attitude and was so nice and courteous to me but stated that there was nothing he could do so that I could get my itemsHe then went on to say that he was sorry that he couldn't do more for meAccirding to Bolen the bad blood between you all and them is because Esurance did not paying the charges for another customer The owner then proceeded to tell me that you all had a client who picked up her items and you all never paid the tow charges and he ended up having to file to get the title to get rid of the carAnyhow, the next day the claim appraiser came to look at the car to appraise it of course and called me right after he was doneAnd told me that my car was totalled out and that he will leave the car on Bolen lot to allow me to get my items before Coparts came to get itWell, I went to Bolen on Wednesday morning and was told again that I could not get my items until the Fred were paidSo I called Brian again and was told the same sad news as beforeThat he could kt do anything and he wish he could do moreI called Brian because the day prior when I talked to the appraiser Tim he said that I could go get my itemsAnyhow I was not able to get my items once again and the owner of Bolen told me that once my car got to Coparts I might have some missing itemsWell I was not familiar with the coparts company and did not really understand why he meant until my car actually got to copartsUpon getting my items from my car I noticed that I was missing a tablet that I had just bought my son for ChristmasGO figure that something is actually missingSO I talk to the General manager who refused to take responsibility for the missing item but did reluctantly say that he would investigateWhich he did because I never got a call backThe next day I call Broan and told him what happened and he apologized about what happened d but stated that Esurance will not replace it because he believed Coparts didn't take itSo Brian calls the General manager on three way and explained the situation which he already knew about itThe General manager who seems out of it responded nonchalantly that coparts will not take responsibility for my missing tabletNow my thing is that Esurance really showed negligence but not acting fast and doing everything they could to ensure that my items were safe or that I would be able to get my things from my carYes Bolen was wrong for not allowing me to ge my items because they were my items and not EsuranceWhatever issues Bolen and Esurance had should have not involved the customer of Esurance*** *** ** *** *** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** *** ** *** My issues that rhat Esurance entrust this company to salvage their vehicles the they should take responsibility and replace my tabletI didn't ask for my tablet to be stolen or my makeup bag to me ransacked throughI only wanted my things and Esurance did not make sure that their customer was able to do thatI should be compensated for Esurance negligence in this situation when I should not be at a lost I know that you all have thousands of customers but you all just lost oneI will definitely be taking my business elsewhere and I will inform others of how reckless you all were when it came to my situationAlso that gap insurance that you all have is ridiculous and a waste of many and it's a scamGa insurance is meant to cover the gap if someone is possibly upside down in their loanYou all only paid percent of the gap in my loan which is totally useless and a total waste of the momey I paid for itI will not refer anyone to esurance and I hope that current customer see how I was treated and go get better service and a much better policy with another companyThis company is a total scam

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

[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:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me I did verify this collection was finally removedThank you
Regards,
*** ***

I have been with esurance for a yearPrior to joining them I was with another large companyIn the years I have been driving I have never needed to put in a claimI was paying a premium to esurance for comprehensive and collisionI recently visited Long Island, NY and suffered some damage in a parking lotThe culprit did not leave contact informationI put the claim into esuranceThey request my body shop put in an estimate and I forward pictures of the damageI did as they asked and the estimate is around $I will not take the time to go into the series of esurance incompetence that followed.Everything from missing documents to duplicating the claimIt is two months now and they have tried everything to avoid paying on the damageThey have initiated an "investigation" into the claim requesting all my financial information, all my cellphone and text data, the complete maintenance history for the vehicle, my credit card purchases for the month prior and preceding the date of the claim and they request that the people I visited contact their in house investigator, This is an obvious harassment tactic and I have recently told them to charge me with insurance fraud and lets get to the next stage of this fightIf you get basic liability then this might be a good company, if they are the cheapest companyIf you want collision and comprehensive then it would pay to look else whereThis company may not pay on your claim

April 19,
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Revdex.com
Attention: Benita Harris
Trade Practice Consultant
WGreenfield Ave
Milwaukee, WI Via Electronic Response: www.Revdex.com.org/wisconsin
Re: Case Number: ***
Complainant Name: *** ***
Insured Name: *** ***
Policy Number: ***
Company: Esurance Property and Casualty Insurance Company
Dear Ms***
Esurance Insurance Services, Inc(“Esurance”),on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer correspondence submitted by *** *** regarding the above referenced private passenger automobile policy
In her complaint, Ms*** *** is demanding that Esurance pay for her overdraft fees
Esurance records indicate the above referenced policy was purchased on September 17, 2015, with an effective date of September 18, 2015, with a six-month policy term for the full term premium of $551.00. The policy provided coverage for two vehicles, a Nissan Altima 2.5/2.5S and Ms*** *** as a single operator
At the time of purchase, the named insured agreed to the terms and conditions of the policy and opted to pay the term premium in monthly installments. It was agreed that payments would be automatically withdrawn from the insured-provided electronic method of payment on the 18th of each month.
On February 6,2016, a Policy Renewal Payment Invoice was sent to the insured as a reminder that the next installment payment would electronically debited on February 18, 2016, for the amount of $326.78, which included an outstanding balance of $for the current policy term and for the amount of $for the six-month renewal policy term. This payment was returned by the insured's financial institution on March 2, 2016, for insufficient funds. The insured was sent a delinquency notice on this date and re-invoiced for the premium due plus an applicable late payment fee. Esurance attempted to collect the monthly installment again on April 1, 2016, but it was again returned by the insured's financial institution for insufficient funds. On March 4, 2016, Esurance issued a Notice of Cancellation for non-payment of premium effective March 17, 2016, and mailed same to the policy address on March 4, 2016. Additionally, a final payment notice was sent to the insured in the amount of $Esurance records indicate no payment was received prior to the cancellation effective date and the policy was cancelled, effective March 17, On March 27, 2016, and on April 10, 2016, Esurance attempted to collect the outstanding balance remaining from the method of payment on file and both payments were returned
Thank you for allowing Esurance the opportunity to address your inquiry. If you have any questions or need additional information regarding this file, please direct all correspondence to *** ***, Compliance Analyst, P.OBox 2890, Rocklin, CA, 95677, or via email to ***@esurance.com
Sincerely,
*** ***
Compliance Analyst
Esurance Insurance Services, IncOn behalf of Esurance Property and Casualty Insurance Company

April 19, Revdex.comAttention: Benita HarrisTrade Practice ConsultantWGreenfield AveMilwaukee, WI 53214Via Electronic Response: www.Revdex.com.org/wisconsinRe: Case
Number: *** Complainant Name: *** *** Insured Name: *** *** Policy Number: ***Company: Esurance Property and Casualty Insurance CompanyDear Ms***Esurance Insurance Services, Inc(“Esurance”),on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer correspondence submitted by *** *** regarding the above referenced private passenger automobile policyIn her complaint, Ms*** *** is demanding that Esurance pay for her overdraft feesEsurance records indicate the above referenced policy was purchased on September 17, 2015, with an effective date of September 18, 2015, with a six-month policy term for the full term premium of $551.00. The policy provided coverage for two vehicles, a Nissan Altima 2.5/2.5S and Ms*** *** as a single operatorAt the time of purchase, the named insured agreed to the terms and conditions of the policy and opted to pay the term premium in monthly installments. It was agreed that payments would be automatically withdrawn from the insured-provided electronic method of payment on the 18th of each month. On February 6,2016, a Policy Renewal Payment Invoice was sent to the insured as a reminder that the next installment payment would electronically debited on February 18, 2016, for the amount of $326.78, which included an outstanding balance of $for the current policy term and for the amount of $for the six-month renewal policy term. This payment was returned by the insured's financial institution on March 2, 2016, for insufficient funds. The insured was sent a delinquency notice on this date and re-invoiced for the premium due plus an applicable late payment fee. Esurance attempted to collect the monthly installment again on April 1, 2016, but it was again returned by the insured's financial institution for insufficient funds. On March 4, 2016, Esurance issued a Notice of Cancellation for non-payment of premium effective March 17, 2016, and mailed same to the policy address on March 4, 2016. Additionally, a final payment notice was sent to the insured in the amount of $226.93.Esurance records indicate no payment was received prior to the cancellation effective date and the policy was cancelled, effective March 17, 2016.On March 27, 2016, and on April 10, 2016, Esurance attempted to collect the outstanding balance remaining from the method of payment on file and both payments were returnedThank you for allowing Esurance the opportunity to address your inquiry. If you have any questions or need additional information regarding this file, please direct all correspondence to *** ***, Compliance Analyst, P.OBox 2890, Rocklin, CA, 95677, or via email to ***@esurance.com Sincerely,*** ***Compliance AnalystEsurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

I called to cancel my policy from EsuranceAfter connecting with the operator he wanted to see if he could save me some moneyI told him I already had a different policy and just wanted to cancelhe then asked me if I didn't like saving moneyI told him I just wanted to cancel my policy and move onHe says I hear your wife in the background saying what she is saying and then I got upsetI Instructed the man to please put me on with his supervisor because I didn't appreciate his attitudeHe continued speaking to meit wasn't until I started raising my voice that he finally put his supervisor on the phoneVery unprofessional and made me feel like I was trying to cancel my AOL service back in the dayBeware of of this companywill never do business with them again

Esurance records indicate on August 10, 2015, a refund in the amount of $has been issued back to MrWalker’s account on file. On August 11, 2015, Esurance contacted MrWalker and left a message to advise him of the refundOn this same day Esurance received notification that the consumer has notified your office that they are satisfied with the outcome and your organization has closed the complaint. Thank you, *** ***Compliance Analyst

Tell us why here...August 17, 2015 BetterBusiness Bureau of WisconsinAttention: Stacy ***West Greenfield AvenueMilwaukee, WI 53214Via FAX: (414) 302-0355 CaseNumber:
***Complainant Name: *** *** *** Named Insured: ***
*** *** *** ** *** ***Policy Number: ***Insurance Company: EsuranceInsurance Company Dear Ms***: Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Insurance Company,acknowledges receipt of the consumer complaint submitted by Mr***N*** *** regarding the above referencedprivate passenger automobile policy Esurancerecords indicate the above referenced policy was purchased via phone on June 3,2015, to be effective July 1, 2015, for the following property: *** *** ***
*** ** *** The policyholder accepted the terms and condition of thepolicy, thereby agreeing to transact business electronically, to include receivingpolicy documents. OnJuly 2, 2015, an email was sent to the policyholder advising an exteriorinspection of his home would be completed for underwriting purposesEsuranceconfirms an exterior inspection of the insured’s home was completed on July 27,2015. Esurancerecords confirms an email notification was sent to the policyholder prior tothe exterior home inspection. Esuranceunderstands Mr***’s concerns regarding the access to his property, andapologizes this was not explained to his satisfaction. Thankyou for allowing Esurance the opportunity to address your inquiry. Sincerely, Senior Manager UnderwritingEsurance Insurance Services,Inc.On behalf of EsuranceInsurance Company

Tell us why here...August 17, 2015 BetterBusiness Bureau of WisconsinAttention: Stacy ***West Greenfield AvenueMilwaukee, WI 53214Via FAX: (414)
302-0355 CaseNumber: ***Complainant Name: *** *** *** Named Insured: ***
*** *** *** ** *** ***Policy Number: ***Insurance Company: EsuranceInsurance Company Dear Ms***: Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Insurance Company,acknowledges receipt of the consumer complaint submitted by Mr***N*** *** regarding the above referencedprivate passenger automobile policy Esurancerecords indicate the above referenced policy was purchased via phone on June 3,2015, to be effective July 1, 2015, for the following property: *** *** ***
*** ** *** The policyholder accepted the terms and condition of thepolicy, thereby agreeing to transact business electronically, to include receivingpolicy documents. OnJuly 2, 2015, an email was sent to the policyholder advising an exteriorinspection of his home would be completed for underwriting purposesEsuranceconfirms an exterior inspection of the insured’s home was completed on July 27,2015. Esurancerecords confirms an email notification was sent to the policyholder prior tothe exterior home inspection. Esuranceunderstands Mr***’s concerns regarding the access to his property, andapologizes this was not explained to his satisfaction. Thankyou for allowing Esurance the opportunity to address your inquiry. Sincerely, Senior Manager UnderwritingEsurance Insurance Services,Inc.On behalf of EsuranceInsurance Company

Please accept this letter as
confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of
Esurance Property and Casualty Insurance Company, is in receipt of the consumer
complaint submitted by Patty *** regarding the above referenced personal
automobile insurance policy
In her complaint Ms*** states
that she received a refund into her account even though she was advised by
Esurance that her payment information was not kept on file.Esurance did not retain Ms*** account
information on file, as she requested, for the use of any payments Esurance does however keep records of where
each payment comes from in the event that a payment dispute occurs. When Ms*** cancelled her
policy Esurance refunded the remaining balance to the most recent method of
payment that had been used. Esurance is
not currently storing Ms*** account information for any future
transactionsEsurance sincerely apologizes to Ms***
for any experience that did not meet her expectations and is reviewing the
company’s previous interactions with Ms*** to identify if any training
is neededThank you for allowing Esurance the
opportunity to respond to the concerns. If you have any questions or require additional information, please
direct all future correspondence to *** *** *** *** *** *** *** *** *** *** ***Sincerely,

Dear Ms. [redacted],Please find the attached response from Esurance in reference to the consumer complaint for [redacted], Revdex.com file [redacted].  Please feel free to contact me if you should have any questions or require additional information.  [redacted]Compliance AnalystEsurance...

Insurance Services, Inc.On behalf of Esurance Property and Casualty InsuranceCompany[redacted]

Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Property and CasualtyInsurance Company, aCknowledges receipt of the consumer complaint submitted by Nora[redacted] regarding the amount due on the above referenced private passenger automobilepolicy.Esurance records...

indicate that Ms. [redacted] contacted Esurance on July 11, 2015, to delete a2008 Mini Cooper and add a 20151nfiniti Q50 to her exiting Automobile Policy. At the time ofthe call, Esurance was having system issues and was unable to accommodate this request.Over the next few days, Esurance worked to correct Ms. [redacted]'s policy.The policy correction was completed within six days, on July 17, 2015, and confirmed that$78.48 was the amount owed for the policy adjustment that was requested on July 11, 2015.However, Ms. [redacted] did contact Esurance on July 15, 2015, to cancel the policy effectiveSeptember 1, 2015, and was erroneously advised that no amount would be due through theremainder of the policy term.Due to this incorrect infGlrmation provided, Esurance Is willing to waive the $78.48 in premium.Esurance strives to pro"ide excellent customer service to all policyholders. Esuranceapologizes that Ms. [redacted]'s experience was less than satisfactory and hopes that Ms.[redacted] will consider Esurance for her future insurance needs.Esurance appreciates tli1e opportunity to respond to this complaint. Supporting documentationis available upon request.Sincerely.[redacted]

Please accept this letter as
confirmation that Esurance Insurance Services, Inc. (Esurance) on behalf of
Esurance Property and Casualty Insurance Company, is in receipt of the consumer
complaint submitted by Patty [redacted] regarding the above referenced personal
automobile insurance policy. In...

her complaint Ms. [redacted] states
that she received a refund into her account even though she was advised by
Esurance that her payment information was not kept on file.Esurance did not retain Ms. [redacted] account
information on file, as she requested, for the use of any payments.   Esurance does however keep records of where
each payment comes from in the event that a payment dispute occurs.  When Ms. [redacted] cancelled her
policy Esurance refunded the remaining balance to the most recent method of
payment that had been used.  Esurance is
not currently storing Ms. [redacted] account information for any future
transactions. Esurance sincerely apologizes to Ms. [redacted]
for any experience that did not meet her expectations and is reviewing the
company’s previous interactions with Ms. [redacted] to identify if any training
is needed. Thank you for allowing Esurance the
opportunity to respond to the concerns.  If you have any questions or require additional information, please
direct all future correspondence to [redacted]Sincerely,

Esurance Insurance Services, Inc. ("Esurance"), on behalf of Esurance Property and CasualtyInsurance Company, aCknowledges receipt of the consumer complaint submitted by Nora[redacted] regarding the amount due on the above referenced private passenger automobilepolicy.Esurance records indicate that Ms....

[redacted] contacted Esurance on July 11, 2015, to delete a2008 Mini Cooper and add a 20151nfiniti Q50 to her exiting Automobile Policy. At the time ofthe call, Esurance was having system issues and was unable to accommodate this request.Over the next few days, Esurance worked to correct Ms. [redacted]'s policy.The policy correction was completed within six days, on July 17, 2015, and confirmed that$78.48 was the amount owed for the policy adjustment that was requested on July 11, 2015.However, Ms. [redacted] did contact Esurance on July 15, 2015, to cancel the policy effectiveSeptember 1, 2015, and was erroneously advised that no amount would be due through theremainder of the policy term.Due to this incorrect infGlrmation provided, Esurance Is willing to waive the $78.48 in premium.Esurance strives to pro"ide excellent customer service to all policyholders. Esuranceapologizes that Ms. [redacted]'s experience was less than satisfactory and hopes that Ms.[redacted] will consider Esurance for her future insurance needs.Esurance appreciates tli1e opportunity to respond to this complaint. Supporting documentationis available upon request.Sincerely.[redacted]

text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255);">Please find the attached copy of Esurance’s response to the above referenced consumer complaint. 
 
If you should have any questions or require additional information, please do not hesitate to contact me.
 
Happy New Year!
 
Eric Schrader

August 20, 2015

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Revdex.com
Attention: [redacted]
10019 W. Greenfield Ave
Milwaukee, WI 53214
Via FAX: (414) 302-0355
 
Case Number:                        [redacted]
Complainant Name:                [redacted]
Named Insured:                      [redacted]
Policy Number:                       PAGA6185374
Claim Number:                       ATL0128801
Date of Loss:                           July 23, 2015
Insurance Company:              Esurance Property and Casualty Insurance Company
 
Dear Ms. [redacted]:
 
Esurance Insurance Services, Inc. (“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the consumer complaint submitted by [redacted] regarding a claim on the above referenced private passenger automobile policy.  
 
Esurance is sorry to hear that items are missing from Ms. [redacted]’ vehicle, however, Esurance must abide by the contract between the Company and the policyholder, which states:
 
EXCLUSIONS FOR PART IV: COVERAGE FOR PHYSICAL DAMAGE TO AN AUTO
“We” will not provide coverage for:
19. “Loss” to personal property that is not permanently attached to the “covered auto”, “nonowned
auto”, or “trailer”.
 
While Esurance is empathetic to Ms. [redacted]’ loss, Esurance is required to treat all policyholders the same. Esurance has been unable to receive confirmation from the at-fault party’s insurance carrier that they have accepted 100% liability for this loss, which would allow Esurance to reimburse Ms. [redacted]’ deductible. Esurance has referred this claim to the subrogation department to seek reimbursement for the amount that Esurance paid out on Ms. [redacted]’ vehicle, as well as Ms. [redacted]’ deductible. Once Esurance receives confirmation that the insurance carrier for the at-fault party has accepted liability for the loss and receives reimbursement for the damages, Esurance will send Ms. [redacted]’ her deductible.
 
To address Ms. [redacted]’ concerns regarding additional day(s) of rental car coverage, Esurance issued a check for $42.90 to Ms. [redacted] on August 14, 2015.
 
Esurance appreciates the opportunity to respond to this complaint. Supporting documentation is available upon request. 
 
Sincerely,
 
[redacted]
Claims Branch Manager
Esurance Insurance Services, Inc.
On behalf of Esurance Property and Casualty Insurance Company

Wrongfully took money once I closed my account- and then took 14 days to return the money. Not okay to take someones money and then to take too long to get it back to them. Unacceptable

I have been a customer of esurance for several years. When I purchased a new vehicle they needed some documents signed and sent in, when I sent the documents in provided by them I thought everything was fine until I got an email saying my policy has been canceled. I caked then to try to resolve the situation and talked to several people only for them to tel me they can't reinstate my policy and the reason it was canceled was because the document was unacceptable. Needless to say they provided the document in the first place so with no warning my insurance got canceled!