The Grange Mutual Casualty Group of Insurance Companies

Thank you for allowing [redacted] Company the opportunity to respond to [redacted] ***'s inquiry [redacted] ***'s automobite policy, [redacted] was written with an effective date of February 12, [redacted] makes her premium payments via monthly installmentsThe June installment was erroneously paid twice; once on June 11,and again on June 16,Both payments were in the amount of $ [redacted] *** realized that a duplicate payment had been made and contacted [redacted] [redacted] then reversed one of the payments [redacted] *** also disputed the duplicate payment with her bank and that payment was also reversedAs a result of these reversals, the policy went into the non-payment process and was scheduled to cancel effective August 3, for non-payment of premiumThe premium payment in the amount of $ was received on July 25, preventing the policy from actually cancelling When a policy goes into the non-payment process and an SR-is on the policy, the state is notified electronically of the impending cancellation via an SR-On this policy, the SR- advised the [redacted] Secretary of State of the impending August 3,cancellationSince the premium payment was received prior to August 3, 2014, an SRwas generated indicating that coverage was in forceAs a result, [redacted] ***, was never without coverage through [redacted] Sincerely, [redacted] ###-###-#### Fax: ###-###-#### [redacted]

[redacted] Thank you for allowing Grange Indemnity insurance Company the opportunity to respond to [redacted] 's inquiry [redacted] 's policy was written as new business effective June 23, The policy was submitted with two drivers, [redacted] and [redacted] ***, indicated as being excluded To properly exclude a driver(s) from a policy an exclusion endorsement signed by the named insured is requiredThis signed exclusion serves as evidence that the named insured is aware of and agrees that coverage does not extend to the individuals listed in the exclusion endorsement Since the signed exclusion was not received the policy was cancelled effective July 24, According to our records, the signed exclusion endorsement has now been received and the cancellation has been lifted [redacted] 's policy is in force and there is no gap in coverage Sincerely, [redacted] ###-###-#### [redacted]

[redacted] [redacted] [redacted] [redacted] This letter is in response to a complaint filed by our insured [redacted] regarding the damage to her Chevy Cobalt This hail claim was reported to us on May 24, Claim representative [redacted] made contact with [redacted] on May 27,An inspection of her Chevy Cobalt was completed on May 28, revealing damage not related to a hail lossDuring our follow up conversation that day, [redacted] advised she had hit a deer a few weeks prior and the vehicle damage from that incident had not yet been repaired With the $1,in damage from hitting combined with the $2,in hail damage, her vehicle was determined to be a total lossOn May 29,an offer of $2,was extended to [redacted] with the following breakdown: $4,Baseline Market Value from CCC $1,Unrelated Prior Damage (-) from deer loss $2,Actual Cash Value $Tax (+) $Title (+) $Deductible (-) $2,Total Offer On May 30,2014, [redacted] called and advised she was paying out of pocket to have the deer claim damages repaired [redacted] was asked to submit an estimate and the paid receipt after repairs were completed and we would potentially remove the unrelated prior damage and pay for the hail damage repairsOn July 7, [redacted] submitted an estimate from [redacted] *** with no parts or labor prices or verification of the vehicle being repairedWith no confirmation the deer damage was repaired, we advised [redacted] on July 9, we were unable to consider her hail damage repairs and our $2,total loss offer was restated If you have any questions, please contact me at ###-###-#### Sincerely, [redacted]

[redacted] This letter is in response to complaint number filed by [redacted] s father, [redacted] This claim was reported to us on July 15, Claim representative [redacted] attempted contact with [redacted] , the owner of the Nissan Altirna, the morning of July 16,and left a voicemail messageOn July 17, 2014, [redacted] Insurance, [redacted] 's provider, called to provide the contact phone number [redacted] [redacted] contacted [redacted] and advised coverage and liability were pending contact with our insured, [redacted] ***, and the unlisted driver, [redacted] [redacted] advised [redacted] that, given our coverage investigation of the unlisted driver, it would be in [redacted] 's best interest to have [redacted] handle his claimI spoke with [redacted] on July 18,and advised him of our continuing coverage investigation [redacted] made contact with [redacted] later on July 18,and [redacted] on July 24,Due to potential material misrepresentation, this claim has been referred to our special investigative unit During a call with [redacted] on luly 22, 2014,l learned he had yet to involve his carrier with the handling of this claimHe was advised of our ongoing coverage investigation and his duty to mitigate his losses and that we would not cover his Nissan vehicle storage costs past July 22, In the event coverage applies, Grange Mutual Casualty Company will reimburse the [redacted] 's for the reasonable and customary charges associated with his daughters claim including the vehicle damages and bodily injury settlementIf coverage is denied, [redacted] will be notified both verbally and in writing If you have any other questions or concerns, please do not hesitate to contact me at ###-###-#### Sincerely, [redacted] *** [redacted]

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

Although Grange Insurance has resubmitted the information correcting the not at fault accident on JAN 2014, and I appreciate their cooperation in this matter, the issue of the comprehensive claim on JUN where our vehicles were vandalized is still erroneously being showing on Lexis/Nexis as an at fault accident and needs to be corrected.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ###### and find that this resolution is satisfactory to me. Thank you for your responses
Regards,
*** ***

[redacted]
Thank you for allowing Grange Indemnity insurance Company the opportunity to
respond to [redacted]'s inquiry.
[redacted]'s policy was written as new business effective June 23, 2014. The policy was
submitted with two drivers, [redacted] and [redacted], indicated as...

being excluded.
To properly exclude a driver(s) from a policy an exclusion endorsement signed by the
named insured is required. This signed exclusion serves as evidence that the named
insured is aware of and agrees that coverage does not extend to the individuals listed in
the exclusion endorsement.
Since the signed exclusion was not received the policy was cancelled effective July 24,
2014. According to our records, the signed exclusion endorsement has now been
received and the cancellation has been lifted. [redacted]'s policy is in force and there is
no gap in coverage.
Sincerely,
[redacted]
###-###-####
[redacted]

Thank you for allowing [redacted] Company the opportunity to respond to [redacted]'s
inquiry.
[redacted]'s automobite policy, [redacted] was written with an effective date of February 12,
2014. [redacted] makes her premium payments via monthly installments. The June installment
was...

erroneously paid twice; once on June 11,2014 and again on June 16,2014. Both payments
were in the amount of $170.00. [redacted] realized that a duplicate payment had been made and
contacted [redacted] then reversed one of the payments. [redacted] also disputed the
duplicate payment with her bank and that payment was also reversed. As a result of these
reversals, the policy went into the non-payment process and was scheduled to cancel effective
August 3, 2014 for non-payment of premium. The premium payment in the amount of $170.00
was received on July 25, 2014 preventing the policy from actually cancelling.
When a policy goes into the non-payment process and an SR-22 is on the policy, the state is
notified electronically of the impending cancellation via an SR-26. On this policy, the SR-26
advised the [redacted] Secretary of State of the impending August 3,2014 cancellation. Since the
premium payment was received prior to August 3, 2014, an SR22 was generated indicating that
coverage was in force. As a result, [redacted], was never without coverage through [redacted].
Sincerely,
[redacted]
###-###-####
Fax: ###-###-####
[redacted]

[redacted]  
In response to your correspondence dated August 4,2014,l have reviewed your request for additional
information regarding the June 21,2014 loss and respond accordingly.
[redacted] reported that 3 of his vehicles were vandalized on Saturday, June 21". He was contacted
on Monday, June 23rd and it was confirmed that his 2011 Jeep Grand Cherokee, 2010 Jeep Grand
Cherokee and 2001 Jeep Grand Cherokee had been vandalized by an unknown party while parked at his
residence. An estimate was completed the same day on all three vehicles by a Grange lnsurance staff
appraiser and [redacted] was paid for the damages sustained.
With regard to the follow up complaint that was filed by [redacted], the damages to his vehicles
were handled under Comprehensive coverage, which are not at fault losses by nature. On July 22, 2014
[redacted] contacted or office indicating that this incident was showing as an at fault loss on his
C.L.U.E. report. Despite everything being coded correctly in our system, we faxed an auto claim
correction form to Lexis Nexus on July 23, 2014 in order to ensure [redacted]'s loss history is
accurately reflected on the C.L.U.E. report. I have included a copy of the correction form and the fax
confirmation for vour review.
[redacted] is no longer a Grange lnsurance policy holder. It is our understanding that the inquiry
regarding the January 2, 2014 loss and June 21, 2014 losses are as a result of how his new carrier is
interpreting them and the effect on his premium. Should he or his new insurance carrier have any
question on these losses or any of his other claims, they can feel free to contact me direct.
If you have further questions or I can provide any additional information regarding this matter, please
contact me at ###-###-####, extension ###
Sincerely,
[redacted] 
[redacted]

[redacted]
This letter is in response to complaint number 10145750 filed by [redacted]s father,...

[redacted]
 This claim was reported to us on July 15, 2014. Claim representative [redacted]
attempted contact with [redacted], the owner of the 2006 Nissan Altirna, the morning of
July 16,2014 and left a voicemail message. On July 17, 2014, [redacted] Insurance, [redacted]'s
provider, called to provide the contact phone number [redacted].
[redacted] contacted [redacted] and advised coverage and liability were pending contact with
our insured, [redacted], and the unlisted driver, [redacted] advised [redacted]
 that, given our coverage investigation of the unlisted driver, it would be in [redacted]'s
best interest to have [redacted] handle his claim. I spoke with [redacted] on July 18,2014 and
advised him of our continuing coverage investigation. [redacted] made contact with [redacted]
 later on July 18,2014 and [redacted] on July 24,2014. Due to potential material
misrepresentation, this claim has been referred to our special investigative unit.
During a call with [redacted] on luly 22, 2014,l learned he had yet to involve his carrier with
the handling of this claim. He was advised of our ongoing coverage investigation and his duty
to mitigate his losses and that we would not cover his 2006 Nissan vehicle storage costs past
July 22, 2014.
In the event coverage applies, Grange Mutual Casualty Company will reimburse the [redacted]'s for
the reasonable and customary charges associated with his daughters claim including the vehicle
damages and bodily injury settlement. If coverage is denied, [redacted] will be notified both
verbally and in writing.
If you have any other questions or concerns, please do not hesitate to contact me at
###-###-####.
Sincerely,
[redacted] 
[redacted]

[redacted]
This letter is in response to a complaint filed by our insured [redacted] regarding...

the damage
to her 2006 Chevy Cobalt.
This hail claim was reported to us on May 24, 2014. Claim representative [redacted] made
contact with [redacted] on May 27,2014. An inspection of her Chevy Cobalt was completed on
May 28, 2014 revealing damage not related to a hail loss. During our follow up conversation
that day, [redacted] advised she had hit a deer a few weeks prior and the vehicle damage from
that incident had not yet been repaired.
With the $1,930.72 in damage from hitting combined with the $2,641.20 in hail damage, her
vehicle was determined to be a total loss. On May 29,2014 an offer of $2,462.74 was extended
to [redacted] with the following breakdown:
$4,500 Baseline Market Value from CCC
$1,930.72 Unrelated Prior Damage (-) from deer loss
$2,569.28 Actual Cash Value
$128.46 Tax (+)
$15.00 Title (+)
$250.00 Deductible (-)
$2,462.74 Total Offer
On May 30,2014, [redacted] called and advised she was paying out of pocket to have the deer
claim damages repaired. [redacted] was asked to submit an estimate and the paid receipt after
repairs were completed and we would potentially remove the unrelated prior damage and pay
for the hail damage repairs. On July 7,2014 [redacted] submitted an estimate from [redacted] 
with no parts or labor prices or verification of the vehicle being repaired. With no
confirmation the deer damage was repaired, we advised [redacted] on July 9, 2014 we were
unable to consider her hail damage repairs and our $2,462.74 total loss offer was restated.
If you have any questions, please contact me at ###-###-####.
Sincerely,
[redacted]

[redacted]
In response to your correspondence dated July 24, 2014, I have reviewed the...

above
captioned claim and respond accordingly.
[redacted] was driving our insured's 2003 Chevrolet Cavalier on January 2,
2014. [redacted] was stopped at a traffic light and then proceeded into the
intersection when the light turned green and was struck by an oncoming vehicle that lost
control in the wintry road conditions. That vehicle was owned by [redacted] and driven
with permission by [redacted] was found to be 100% liabIe for the
accident and was cited by the [redacted] County Sheriff Department for failure to control in
an intersection. Our claim was coded non at-fault and 100% liability was accepted by
[redacted] Insurance which is the insurance carrier for Mr. [redacted]. We proceeded to
conclude our insured's collision claim and have requested reimbursement of our
payments through our subrogation department.
With regard to the complaint that was filed by Mr. [redacted], we were unaware of any
error in reporting through the C.L.U.E auto claims report and have processed a correction
to rectify this matter. On Monday, July 28&, we faxed a C.L.U.E auto claim correction
form to Lexis Nexus and have asked that the at-fault indicator be changed to non at-fault.
Once this change is made, Mr. [redacted] will receive an amended report for his records.
If you have further questions or I can provide any additional information regarding this
matter, please feel free to contact me at ###-###-####, extension 244.
Sincerely,
[redacted]