RevDex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. When originally opening insurance I was not asked to exclude my 14 year old son. My son was 14 when I received insurance. This is their job to discuss that at time of signing. To blame me, my wife or penalize us for a mistake they made is upsetting no one gets it.Second, my wife was asking for a quote for my son in case we decided to add him. The company was not clear regarding this. The broker we went to said we did not have to worry about the exclusion form if he was not driving, they would handle it. This was at the Fairfield Cost-U-Less. We will not be doing anymore business with this insurance company as they obviously don't want our business. I have seen reviews regarding this company that talk about the extra fees they tack on. I refuse to give another penny because they couldn't get it right.Also, no manager should talk to their client in the manner in which I was talked to. Seems as though that was over looked and found acceptable. We were not treated fairly, no it's a matter of their word Vs. ours.
This policy was purchased by the insured, Ms [redacted] on 3/16/through her brokerPer her request, the policy was set up on an Automatic Recurring Credit Card Monthly Payment planOn 4/15/13, we were notified that the first monthly credit card payment had declinedWe immediately placed a call to the insuredA message was left and a letter was mailed to herThe insured called us back this same dayDuring a recorded call, she remembered that she had a new credit card and provided us with the information for this cardA replacement payment was made at this time and the account was placed back on the Recurring Credit Card planIf the insured had replaced coverage elsewhere on 4/10/as her complaint states, why would she make a payment five days later on a policy that she wanted to be cancelled? On 5/15/13, we were notified that the monthly credit card payment was once again declinedA call was placed to the insured, a message was left and a letter was mailed to the insured advising of the declined cardWe received no replyOn 5/16/a Cancellation Notice was sent to the insured requiring a payment by 5/26/No payment was received and the policy cancelledOn 5/31/and again on 7/10/13, we sent a Reinstatement Offer and Balance Due Notice advising of the amount necessary to reinstate the policy AND the balance due on the accountWe received no reply to theseAt no time did we receive a request from the insured by phone, mail, fax or email to cancel the policyWe provided quality service for this policyThe issues that occurred were due to declined credit cards submitted by the insured and lack of paymentWe did in fact attempt to collect the outstanding balance (see attachments) with no success, therefore the account was turned over to an outside collection agencyThe balance will remain due until paid
GSP This automobile insurance policy for the insured, Mr [redacted] originally began on 5/17/and renewed for a subsequent termIn March of this year (2015), two claims were reported under this policyDuring the claims investigation process, it was determined that there were members of the household that had not been disclosed at inception as required by the policy contractA question on the application specifically asks if all residents of the household years and older (possible drivers) are either added to the policy or excluded from coverage, to which the insured inaccurately answered “Yes.” It is further required that any changes or updates be reported to the insurance company during the life of the policyUpon notice of the undisclosed residents, we followed up with the insured by sending a cancellation notice on 4/08/requiring that they be added or excluded on the policyWe were later advised that the insured’s daughter was under the age of 14, but the son was over age The insured was given the option to sign and return the attached Driver Exclusion Form that had been provided with the cancellation notice, or add his son to the policyThis was due by 4/28/as indicated on the form in order to avoid cancellationOn 4/17/15, we received a call from the insured’s spouse, [redacted] , who inquired about adding their son, to the policyShe was referred to the broker for the quoting and processing of the change to add the son and reminded of the pending cancellationAt this time she asked if adding her son would increase the premiumShe was advised that most likely it would but could confirm with her brokerOn 4/22/we received a call from the insured’s broker who wanted to be sure that adding the son who only held a driver’s permit would be acceptableWe advised that yes, this would be acceptableUnfortunately, we never received a request to add him, nor did we receive the signed form to exclude himAs a result, the policy cancelled effective 4/28/On 5/19/we received a call from the broker inquiring about the cancellationHe was advised of the requirements to reinstate the policyOn 5/21/we received the signed driver exclusion form for the sonThe policy was now eligible for reinstatement with the monthly installment that had now come dueBecause of the lapse in coverage a Reinstatement Fee was included in this amountWe received a call from the insured, Mr [redacted] on 5/21/who stated that he was not advised by his broker that he must disclose household members over the age of 14, nor did he receive written or verbal notices from us for required informationBecause of this, he asked that the Reinstatement fee be waivedOur Customer Service Manager advised him that it is not our policy to waive a valid feeThis is not only a steadfast in-house rule but also guidelines set forth by the California Insurance Code that we not deviate from our own guidelines (fee schedule) or otherwise risk being out of complianceOur representative further referred him to the facts of the file, notated conversations, documents and dates where he, his spouse and his broker were advised of the pending cancellation and what actions were necessary to have it removedIn conclusion; the insured agreed to the conditions of the policy by entering into the contractWe have clear documentation that confirms that the insured, his spouse and his broker were all advised in writing and verbally that the policy would cancel if said information was not received by the specified dateIn light of this and based on the CIC, there is no justification to waive the reinstatement fee in this matterWe sincerely apologize for any inconvenience this matter has caused the insured and hope that we have provided some understanding of our position in this matter
Policy [redacted] The insured, Mr [redacted] purchased this policy with us thru a broker on 3/08/ The first installment billing notice was issued to him on 3/23/to be due on 4/07/ Upon this date no payment was received, therefore a cancellation notice was issued to him to be effective 4/18/if payment was not received by this date Payment was not received and the policy cancelled for non-payment Our records indicate that we have had no verbal communication with the insured nor did we receive a request from him to cancel the policy The conversations he refers to must have occurred between him and his brokers office Following is a breakdown of charges by Stonewood Insurance:$ Earned premium for the period of 3/08/to 4/18/$ Policy fee $ Fraud fee$ NSD Membership dues $ Installment fee$ Total Due-$ Total received by Stonewood Insurance$ Total remaining balance dueIn regards to a broker fee, the insured will need to discuss this directly with the broker as this is not a fee received or charged by us
RevDex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me. When originally opening insurance I was not asked to exclude my 14 year old son. My son was 14 when I received insurance. This is their job to discuss that at time of signing. To blame me, my wife or penalize us for a mistake they made is upsetting no one gets it.Second, my wife was asking for a quote for my son in case we decided to add him. The company was not clear regarding this. The broker we went to said we did not have to worry about the exclusion form if he was not driving, they would handle it. This was at the Fairfield Cost-U-Less. We will not be doing anymore business with this insurance company as they obviously don't want our business. I have seen reviews regarding this company that talk about the extra fees they tack on. I refuse to give another penny because they couldn't get it right.Also, no manager should talk to their client in the manner in which I was talked to. Seems as though that was over looked and found acceptable. We were not treated fairly, no it's a matter of their word Vs. ours.
This policy was purchased by the insured, Ms [redacted] on 3/16/through her brokerPer her request, the policy was set up on an Automatic Recurring Credit Card Monthly Payment planOn 4/15/13, we were notified that the first monthly credit card payment had declinedWe immediately placed a call to the insuredA message was left and a letter was mailed to herThe insured called us back this same dayDuring a recorded call, she remembered that she had a new credit card and provided us with the information for this cardA replacement payment was made at this time and the account was placed back on the Recurring Credit Card planIf the insured had replaced coverage elsewhere on 4/10/as her complaint states, why would she make a payment five days later on a policy that she wanted to be cancelled? On 5/15/13, we were notified that the monthly credit card payment was once again declinedA call was placed to the insured, a message was left and a letter was mailed to the insured advising of the declined cardWe received no replyOn 5/16/a Cancellation Notice was sent to the insured requiring a payment by 5/26/No payment was received and the policy cancelledOn 5/31/and again on 7/10/13, we sent a Reinstatement Offer and Balance Due Notice advising of the amount necessary to reinstate the policy AND the balance due on the accountWe received no reply to theseAt no time did we receive a request from the insured by phone, mail, fax or email to cancel the policyWe provided quality service for this policyThe issues that occurred were due to declined credit cards submitted by the insured and lack of paymentWe did in fact attempt to collect the outstanding balance (see attachments) with no success, therefore the account was turned over to an outside collection agencyThe balance will remain due until paid
GSP This automobile insurance policy for the insured, Mr [redacted] originally began on 5/17/and renewed for a subsequent termIn March of this year (2015), two claims were reported under this policyDuring the claims investigation process, it was determined that there were members of the household that had not been disclosed at inception as required by the policy contractA question on the application specifically asks if all residents of the household years and older (possible drivers) are either added to the policy or excluded from coverage, to which the insured inaccurately answered “Yes.” It is further required that any changes or updates be reported to the insurance company during the life of the policyUpon notice of the undisclosed residents, we followed up with the insured by sending a cancellation notice on 4/08/requiring that they be added or excluded on the policyWe were later advised that the insured’s daughter was under the age of 14, but the son was over age The insured was given the option to sign and return the attached Driver Exclusion Form that had been provided with the cancellation notice, or add his son to the policyThis was due by 4/28/as indicated on the form in order to avoid cancellationOn 4/17/15, we received a call from the insured’s spouse, [redacted] , who inquired about adding their son, to the policyShe was referred to the broker for the quoting and processing of the change to add the son and reminded of the pending cancellationAt this time she asked if adding her son would increase the premiumShe was advised that most likely it would but could confirm with her brokerOn 4/22/we received a call from the insured’s broker who wanted to be sure that adding the son who only held a driver’s permit would be acceptableWe advised that yes, this would be acceptableUnfortunately, we never received a request to add him, nor did we receive the signed form to exclude himAs a result, the policy cancelled effective 4/28/On 5/19/we received a call from the broker inquiring about the cancellationHe was advised of the requirements to reinstate the policyOn 5/21/we received the signed driver exclusion form for the sonThe policy was now eligible for reinstatement with the monthly installment that had now come dueBecause of the lapse in coverage a Reinstatement Fee was included in this amountWe received a call from the insured, Mr [redacted] on 5/21/who stated that he was not advised by his broker that he must disclose household members over the age of 14, nor did he receive written or verbal notices from us for required informationBecause of this, he asked that the Reinstatement fee be waivedOur Customer Service Manager advised him that it is not our policy to waive a valid feeThis is not only a steadfast in-house rule but also guidelines set forth by the California Insurance Code that we not deviate from our own guidelines (fee schedule) or otherwise risk being out of complianceOur representative further referred him to the facts of the file, notated conversations, documents and dates where he, his spouse and his broker were advised of the pending cancellation and what actions were necessary to have it removedIn conclusion; the insured agreed to the conditions of the policy by entering into the contractWe have clear documentation that confirms that the insured, his spouse and his broker were all advised in writing and verbally that the policy would cancel if said information was not received by the specified dateIn light of this and based on the CIC, there is no justification to waive the reinstatement fee in this matterWe sincerely apologize for any inconvenience this matter has caused the insured and hope that we have provided some understanding of our position in this matter
Policy [redacted] The insured, Mr [redacted] purchased this policy with us thru a broker on 3/08/ The first installment billing notice was issued to him on 3/23/to be due on 4/07/ Upon this date no payment was received, therefore a cancellation notice was issued to him to be effective 4/18/if payment was not received by this date Payment was not received and the policy cancelled for non-payment Our records indicate that we have had no verbal communication with the insured nor did we receive a request from him to cancel the policy The conversations he refers to must have occurred between him and his brokers office Following is a breakdown of charges by Stonewood Insurance:$ Earned premium for the period of 3/08/to 4/18/$ Policy fee $ Fraud fee$ NSD Membership dues $ Installment fee$ Total Due-$ Total received by Stonewood Insurance$ Total remaining balance dueIn regards to a broker fee, the insured will need to discuss this directly with the broker as this is not a fee received or charged by us