Standard Insurance Agency

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 dispute May 21, [redacted] *** [redacted] *** [redacted] [redacted] US LLOYDS INSURANCE COMPANY’s claim that I did not disclose my complete history is complete and absolute lie, I have given them not only my complete information, but my Social Security number, Date of Birth, Driver Licenses Number, my full name, and full Address, I have disclosed all my vehicles in which to be insured, and I specifically told the agents who took my information and asked me if I had any prior claims, ticket or accidents, I replied “Yes sir I did, but I do not remember every single one of them for the past years”He replied that it is Okay, “We would be able to know everything about you from a special data baseAnd based on your history record, we would be able to issue the policy, and they did just that, they entered all my information into their computer, waited for minutes for the reply to insure me, we both signed the contract, and told me not to worry about anything You are insured as of that day I challenge you, and challenge any one, that every insurance company in the USA, before they sign a contract or issue an insurance policy, they would go through a special database, where they pull every and each single record of every driver in the united states of America’s complete drivers licenses history and based on that information, only then, they would issue their insurance’s policy and have it signed by both parties Immediately after Standard insurance cancelled my insurance policy, I called and applied to another insurance company, who they immediately pulled my records and gave me an insurance policy based on my history, no lies, no gimmicks, because they know exactly what is my driver’s record, and so did Standard insuranceWhere we both signed the contract It is not a fair practice for standard insurance to insure me for weeks, only to cancel my premium insurance policy, take my money and then decide not to insure me againAll I ask from Standard insurance company is to refund my full payment, so that I could use the money for my initial payment to my current insurance policy whom I am insured with right now Thank you [redacted] Please enter your reason(s) for rejecting the business response below Regards, [redacted] Revdex.comMESSAGE FROM BUSINESS:Thank you for the opportunity to briefly provide a follresponse to the above-referencedinquiry filed by [redacted] Our response follows.ALLEGATlONS: [redacted] has alleged that US Lloyds improperly refused to honor a contract for the purchase of automobile insuranceHe has also alleged that the company refused to refund a premium payment made to the company by [redacted] Both of these allegations are unfounded, as described below.COMPANY'S RESPONSE:US Lloyds Insurance Company's position is that it has not breached any contract with !Vfr [redacted] , nor !;las the company refused to refund money due to [redacted] To the contrary, the company has declined to further insure !Vfr [redacted] as a result of incorrect infom1ation that he provided during the application process, and the policy was therefore cancelled by underwritingAdditionally, the company has in fact refunded unearned premiun1s to !Vfr [redacted] on May 1, 2015.!Vfr [redacted] contacted the company to obtain automobile insurance with an effective date of Aplil 1, At the time of his application, he paid an initial premiunpayment in the amount of $to the companyDuring the initial conversation with the quoting agent, [redacted] indicated that he had one "not at fault" accident in the past five yearsOn the actual application, !Vfr [redacted] indicated that he had no prior accidents, tickets or claims in the past five yearsAs part of the underwriting process, on Aplil 25, company representatives obtained a claim history on !Vfr [redacted] and the other famjly members that he desired to insure with US Lloyds ·Thls claim history showed a total of seven claims since 2011, despite the fact that [redacted] had indicated on his application that he had zero claims in that time period.Based on the claim history information obtained by US Lloyds representatives and the incorrect information presented by [redacted] on his application the company declined to fUrther insure himOn April 28, the company mailed a Notice of Cancellation to [redacted] , effective May 8, On May 1, [redacted] was refunded $in unearned premiums out of the $that had been paid for insurance effective April!, 2015.ADDITIONAL RESPONSE [redacted] replied to the Company's initial response by alleging that he had disclosed his prior claims to the Company during the underwriting processTo the contrary, [redacted] specifically answered in writing on his application that he and the family members he wished to insure had no prior accidents, tickets or claims in the past five years, despite the fact that there were actually seven such claims since alone.The Company binds coverage based on the information given at the time of the applicationReports are ordered during the allowed underwriting period to conflilll the information given by the applicantThe underwriting data is then received and compared to the information given by the applicant/policyholder to determine final eligibility for coverageWhen the Company received the underwriting data related to [redacted] ' s application, the Company declined to further insure him and refunded the his unearned premiums in the amount of$49.CONCLUSION: [redacted] 's extensive claim history, which was not disclosed on his application for insurance with US Lloyds, was a valid reason for his policy to be cancelled by underwritingHe was insured by the company during the underwriting process from April 1, through May 7, and all unearned premiums paid to the company by [redacted] were promptly refunded to him [redacted] 's complaint is entirely without merit.Thank you for your consideration Please do not hesitate to contact me if you have anyadditional questions or concerns with respect to this matter

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 dispute Please enter your reason(s) for rejecting the business response below Regards, [redacted]

Standard Insurance Agency [redacted] August 3, 2017VIA FACSIMILE [redacted] Revdex.comAttn: [redacted] ***Re: Subject: [redacted] ***ID: [redacted] Dear Ms [redacted] :Thank you for the opportunity to respond to the above-referenced inquiry submitted by Mr [redacted] ***.Our records indicate that Mr [redacted] contacted us on May 31, in regards to an automobile insurance quoteDuring the phone calls, Mr [redacted] was asked questions which help qualify insurance risks for the different automobile insurance programs we representOne of these questions references whether there has ever been a charge or conviction of a misdemeanor or felony, and this is the question for which Mr [redacted] has filed his complaintAs Mr [redacted] was informed during the calls, the different insurance programs we represent, which offer the coverage MR [redacted] had inquired about, all have different methods of determining insurance risk and different criteria they analyze to determine eligibility of coverageAll individual insurance programs have defined a set of criteria in which they deem important in determining risk, and not all insurance programs use the same criteria as othersWe did offer to quote Mr [redacted] through a program which does not take into account charges or convictions of misdemeanors and felonies, but Mr [redacted] declined this quote as it would not satisfy his needsWe regret we were unable to assist Mr [redacted] with his insurance needs, but do hope he acquired the coverage he was seeking.Thank you again for the opportunity to respond to the submission.Sincerely, [redacted] General CounselCc: [redacted] ***

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 dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Standard Insurance Agency*** *** *** *** *** *** *** ** *** *** *** ***August 3, 2017VIA FACSIMILE ***Revdex.comAttn: *** *** ** *** *** ** ***Re: Subject: *** ***ID: ***Dear Ms***:Thank you
for the opportunity to respond to the above-referenced inquiry submitted by Mr*** ***.Our records indicate that Mr*** contacted us on May 31, in regards to an automobile insurance quoteDuring the phone calls, Mr*** was asked questions which help qualify insurance risks for the different automobile insurance programs we representOne of these questions references whether there has ever been a charge or conviction of a misdemeanor or felony, and this is the question for which Mr*** has filed his complaintAs Mr*** was informed during the calls, the different insurance programs we represent, which offer the coverage MR*** had inquired about, all have different methods of determining insurance risk and different criteria they analyze to determine eligibility of coverageAll individual insurance programs have defined a set of criteria in which they deem important in determining risk, and not all insurance programs use the same criteria as othersWe did offer to quote Mr*** through a program which does not take into account charges or convictions of misdemeanors and felonies, but Mr*** declined this quote as it would not satisfy his needsWe regret we were unable to assist Mr*** with his insurance needs, but do hope he acquired the coverage he was seeking.Thank you again for the opportunity to respond to the submission.Sincerely,*** ** ***General CounselCc: *** *** ** *** *
*** ** ***

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 dispute
Please enter your reason(s) for rejecting the business response below
Regards,
*** ***

Standard Insurance Agency[redacted]August 3, 2017VIA FACSIMILE [redacted]Revdex.comAttn: [redacted]Re: Subject: [redacted]ID: [redacted]Dear Ms. [redacted]:Thank you...

for the opportunity to respond to the above-referenced inquiry submitted by Mr. [redacted].Our records indicate that Mr. [redacted] contacted us on May 31, 2017 in regards to an automobile insurance quote. During the phone calls, Mr. [redacted] was asked questions which help qualify insurance risks for the different automobile insurance programs we represent. One of these questions references whether there has ever been a charge or conviction of a misdemeanor or felony, and this is the question for which Mr. [redacted] has filed his complaint. As Mr. [redacted] was informed during the calls, the different insurance programs we represent, which offer the coverage MR. [redacted] had inquired about, all have different methods of determining insurance risk and different criteria they analyze to determine eligibility of coverage. All individual insurance programs have defined a set of criteria in which they deem important in determining risk, and not all insurance programs use the same criteria as others. We did offer to quote Mr. [redacted] through a program which does not take into account charges or convictions of misdemeanors and felonies, but Mr. [redacted] declined this quote as it would not satisfy his needs. We regret we were unable to assist Mr. [redacted] with his insurance needs, but do hope he acquired the coverage he was seeking.Thank you again for the opportunity to respond to the submission.Sincerely,[redacted]General CounselCc: [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 dispute.Every insurance company, has access to all drivers in the U.S.A. .  before any insurance issue a policy, they check your record, from traffic violation to all claims made by the driver, and then based on that information, they signed a contract and abide by the law to honor that contract, I have disclosed all my information, social security Date of Birth, Driver License Number, and all my vehicle, all this information is available in their data base with complete history of my driving records.. if you log on to any Insurance web site, fill out the application, check you records out, and then issue a policy based on the information.It is not a fair practice to insure me for less than 3 weeks, and then decide that I am not eligible, cancel my insurance. and take all my down payment.. I could be using this down payment with another insurance company to issue an insurance policy..  They had the option from the beginning to not insure me, but they did any way knowing my complete history.I am insured now with a Nationwide insurance who based on the information gave me a policy and it is not cancelled, yes it is expensive because it geared for me.  I challenge you that every insurance company before they issue a policy and signed it by both parties, they make sure they ive you the correct premium which standard insurance failed to do soI am not happy, and want my full refund back     
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 dispute.
May 21,
2015
 [redacted]
[redacted]
[redacted]  [redacted]
[redacted]
 
[redacted]  [redacted]
[redacted]
 
[redacted]
 US LLOYDS INSURANCE
COMPANY’s claim that I did not disclose my complete history is complete and
absolute lie, I have given them not only my complete information, but my Social
Security number, Date of Birth, Driver Licenses Number, my full name, and full
Address, I have disclosed all my vehicles in which to be insured, and I
specifically told the agents who took my information and asked me if I had any
prior claims, ticket or accidents,  I
replied “Yes sir I did, but I do not remember every single one of them for the
past 5 years”. He replied that it is Okay, “We would be able to know everything
about you from a special data base. And based on your history record, we would be
able to issue the policy, and they did just that, they entered all my information
into their computer, waited for 30 minutes for the reply to insure me, we both
signed the contract, and told me not to worry about anything.  You are insured as of that day.
 I challenge you, and challenge
any one, that every insurance company in the USA, before they sign a contract or
issue an insurance policy, they would go through a special database, where they
pull every and each single record of every driver in the united states of America’s
complete drivers licenses history and based on that information, only then, they
would issue their insurance’s policy and have it signed by both parties.
 Immediately after
Standard insurance cancelled my insurance policy, I called and applied to another
insurance company, who they immediately pulled my records and gave me an
insurance policy based on my history, no lies, no gimmicks, because they know
exactly what is my driver’s record, and so did Standard insurance. Where we
both signed the contract.
 It is not a fair
practice for standard insurance to insure me for 2 weeks, only to cancel my premium
insurance policy, take my money and then decide not to insure me again. All I
ask from Standard insurance company is to refund my full payment, so that I
could use the money for my initial payment to my current insurance policy whom
I am insured with right now.
 Thank you
 [redacted]
[redacted]
[redacted]
[redacted] Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]
Revdex.comMESSAGE FROM BUSINESS:Thank you for the opportunity to briefly provide a follow-up response to the above-referencedinquiry filed by [redacted]. Our response follows.ALLEGATlONS:[redacted] has alleged that US Lloyds improperly refused to honor a contract for the purchase of automobile insurance. He has also alleged that the company refused to refund a premium payment made to the company by [redacted]. Both of these allegations are unfounded, as described below.COMPANY'S RESPONSE:US Lloyds Insurance Company's position is that it has not breached any contract with !Vfr. [redacted], nor !;las the company refused to refund money due to [redacted]. To the contrary, the company has declined to further insure !Vfr. [redacted] as a result of incorrect infom1ation that he provided during the application process, and the policy was therefore cancelled by underwriting. Additionally, the company has in fact refunded unearned premiun1s to !Vfr. [redacted] on May 1, 2015.!Vfr. [redacted] contacted the company to obtain automobile insurance with an effective date of Aplil 1, 2015. At the time of his application, he paid an initial premiun1 payment in the amount of $292 to the company. During the initial conversation with the quoting agent, [redacted] indicated that he had one "not at fault" accident in the past five years. On the actual application, !Vfr. [redacted] indicated that he had no prior accidents, tickets or claims in the past five years. As part of the underwriting process, on Aplil 25, 2015 company representatives obtained a claim history on !Vfr. [redacted] and the other famjly members that he desired to insure with US Lloyds.  ·Thls claim history showed a total of seven claims since 2011, despite the fact that [redacted] had indicated on his application that he had zero claims in that time period.Based on the claim history information obtained by US Lloyds representatives and the incorrect information presented by [redacted] on his application the company declined to fUrther insure him. On April 28, 2015 the company mailed a Notice of Cancellation to [redacted], effective May 8, 2015. On May 1, 2015 [redacted] was refunded $49 in unearned premiums out of the $292 that had been paid for insurance effective April!, 2015.ADDITIONAL RESPONSE[redacted] replied to the Company's initial response by alleging that he had disclosed his prior claims to the Company during the underwriting process. To the contrary, [redacted] specifically answered in writing on his application that he and the family members he wished to insure had no prior accidents, tickets or claims in the past five years, despite the fact that there were actually seven such claims since 2011 alone.The Company binds coverage based on the  information given at the time of the application. Reports are ordered during the allowed underwriting  period to conflilll the information  given by the applicant. The underwriting data  is then received  and  compared  to the  information given by the applicant/policyholder to determine final eligibility for coverage. When  the Company received the underwriting data  related to  [redacted]' s application, the Company declined to further insure him and refunded  the his unearned premiums  in the amount of$49.CONCLUSION:[redacted]'s extensive claim history, which was not disclosed on his application for insurance with US Lloyds, was a valid reason for his policy to be cancelled by underwriting. He was insured by the company during the underwriting process from April 1, 2015 through May 7, 2015 and all unearned premiums paid to the company by [redacted] were promptly refunded to him. [redacted]'s complaint is entirely without merit.Thank you for your consideration.   Please do not hesitate to contact me if you have anyadditional questions or concerns with respect to this matter.

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