Today's Auto Body, Inc.

Initial Business Response /* (1000, 9, ***/09/28)
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***
As well, to the best of our knowledge, the *** made no attempt to find any resolution to this issue with either our Branch Manager in*** or our Home and Automobile Insurance Manager in ***We have always been willing and continue to be willing to work with the *** to put such coverage in place immediately upon their request (subject to receiving the necessary payment and underwriting information)I suggest, if they have any interest in getting a quote, they contact ***, Manager - Personal Insurance in our *** office at ***
In specific response to the complaint, Steers Insurance Limited is an Insurance Broker and we sold insurance policies to the *** on behalf of ***The *** were paying the premiums on those policies directly to *** by way of credit cardHowever, between the *** and *** renewals the *** credit card information changed and they did not inform either Steers or *** of that changeSteers received notification on ***, *** that the *** policies were to be cancelled due to the invalid credit card informationWe contacted *** on the *** for the updated informationAt that time she was told that to avoid any cancellation of the policies we required the updated information no later than ***She indicated she would get the information from ***At the time, had the information been provided there would have been no cancellation and no gap in coverage
However, the updated credit card information was not provided by the *** (or at any time since) nor has any other attempt been made to pay the policy premium in any other mannerThe insurer, *** having received no updated payment information had no other option but to cancel the policies in force for non-payment of premiumAll insurance companies would have taken the same action in that situationIn our opinion all necessary steps were taken to try and ensure there was no cancellation of the policies and no lapse in coverage
As previously mentioned though, we are certainly willing to work with the *** to put such coverage in place if that is something they want to explore
***
Initial Consumer Rebuttal /* (3000, 11, ***/09/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We do not accept this as a plausible response to the problemWe have contacted the steers office in*** by phone and email numerous times to try to resolve this problemWe have the email string and phone log to attest to thisStill to this day we have not received a quote from them on renewing the policy which was supposed to be done days after we found out that our insurance policy had been cancelledThe last phone conversation that we were engaged in resulted in the agent basically telling us not to call back anymore because she would contact us once she received the updated quote because there were "new markets" and options available to usWe have long since insured all of our policies through another agency but still would like to have the flag removed from our filesEmail string and supporting information can be provided upon request
Final Consumer Response /* (4200, 17, ***/10/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It appears that Steers is missing the point on this issueWe are no longer seeking a quote from them, we requested a quote back in *** which after many follow up calls and emails was never providedWe were left with no choice but to source another insurance provider as our mortgage lenders were poising to cancel our loans while we waited for Steers to provide us a quote so that we could set up a new policyIn rebuttal to the prior information provided by Steers, the facts of the situation are:
(1) The credit card provided for original premium was never authorized for repeat transactions, written or otherwise
(2) A bill, amounts owing or letter for upcoming policy renewal was never provided before charges were attempted to be applied to the credit card
(3) A registered letter or notice of policy cancellation was never provided
(4) At the time that contact was made with *** regarding the policy the cancellation and flag had already been put on the accountThis was around or about ***, ***The flag had been applied to the account on or about ***, ***
(5)To further emphasize the above points listed, contact was never made to us by Steers, *** or otherwiseThe only contact was when *** called the local steers office in*** on *** at which point the policy appears to have been cancelled and the flag already applied to the accountWe find it hard to believe that contact could not have been made with us in a more timely and efficient manner as all throughout the construction phase of our new home Steers agents made regular visits to the property to check on progress, take pictures, etcThey were in regular contact at any point in time that they needed information or progress reports to the point of even coming to knock on the door of our home to talk to usIt seems that they have no trouble to make contact when it is convenient for their needs but find it significantly harder when it is notOnce again we are no longer seeking business dealings with Steers, the time for quotes and policy renewals has long past, if they could have gotten back to us months ago we most certainly would have renewed a policy with themNow we just want the "cancellation for non-payment" flag removed from our file
Final Business Response /* (4000, 20, ***/10/14) */
Steers Insurance Limited has no further resolution to offer the consumer
The consumer seems to be under the impression that Steers cancelled the policy - that is not correct***, the consumer's insurance company, cancelled the policy and *** created the "flag" indicating the consumer was cancelled for non-payment of premium
The consumer was not paying Steers Insurance by credit card he was paying *** directlyWhen we (Steers) were informed of the cancellation we contacted the consumer, and spoke directly to ***, to get updated payment information for the insurerThe information was not provided to usHad the information been provided to Steers when we asked, the cancellation would have been rescindedThis was explained in the conversation with ***The consumer has still not addressed why the updated credit card information was not provided
If the consumer wants to pursue this issue further we can only suggest that they contact the regional office of his Insurance Company, *** in***, at ***