Travelers Companies, Inc.

Review: I contacted Travelers in February 2012 to cancel my insurance policy because I left [redacted] and the premium was being deducted from my payroll. At that time I also update my address because I have moved as well. I received a bill for $205.24 because the policy was not cancelled until October 2012. I received no bills during this time that would have advised me that I was still being billed, until I received the final bill. I would like the issue to be resolved.Desired Settlement: I would like the policy to be cancelled back to the day I called in initially to cancel the policy back in February of 2012. I do not want to be charged at all.

Business

Response:

A email response was sent to Ms.[redacted] on 9/24/2013 from Travelers Glens Falls Business Center, and her inquiry was resolved prior to receiving the Revdex.com complaint, since Ms [redacted] did contact a Travelers representative to resolve it.

Consumer

Response:

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

Sincerely,

Review: On February 7, 2014, a water main broke. Our entire basement was flooded with raw sewage. Initially, [redacted], an insurance adjuster for Travelers, instructed us to get our own contractor. [redacted] is no longer handling our case. Now [redacted] was assigned to our case. [redacted] has refused to honor payment for the contractor and us. I had told her that I would retain an attorney, but did not. [redacted] was also informed that I did not get an attorney, and refused to discuss the matter with me. I have also left her a voice mail and by fax. Still no response from her.Desired Settlement: The desired settlement would be $45,000.00 to cover the lost contents and as well to pay the contractor.

Business

Response:

A response was sent to Mr. Reed on May 21, 2014 from Travelers Overland Park KS Claim Center as follows:

"Please

allow this letter as our response regarding a complaint you filed with the

Revdex.com. I have completed

a review of your claim and understand that you are not satisfied with the offer

of settlement proposed by Travelers Property Casualty Company of America

(“Travelers”) to resolve your claim to conclusion.

Review: Travelers Insurance sent a notice of the total cost of a policy premium, $3137.00 for homeowners insurance for the year 2014-15. Several weeks later send another notice of the same policy premium but increased the amount to $4046.00 which is an increase in the policy of $927.00. The reason for the increase was supposedly due to the distance and response time of the fire department. The checked with the fire department of Weston, Connecticut and they informed me that the distance from the fire department to my home is 1.83 miles with an approximate driving time of 4 minutes, this has remained unchanged for over 30 years. Travelers contention is that when "they ran some kind of report" the numbers changed from 9 to five, however, the previous year 2013-2014 indicated a 9. Homeowners Policy number is [redacted]Name of Insured:Bradley and Susanne French220 Newtown TurnpikeWeston, Ct 06883Desired Settlement: I would like to have the quote for the 2014-15 for homeowners insurance to be revised back to the original amount of $3137.00.

Business

Response:

A response was sent to Ms French on 3/4/2014 from Travelers Knoxville TN Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate having

the opportunity to address your inquiry in this letter.

Review: I have had auto insurance through Travelers since Jan 2010 and never made a claim on it. I pay $1600+ a year in coverage. In May of 2013 my partner, [redacted], who is covered on my policy, struck a parked car in [redacted] resulting in a $1685 claim. When she filed with the insurance the adjuster said it was a low-risk situation, would not even endanger our rate going up, there was noone in the struck vehicle, don't worry. Five months later I got a letter that the policy was going to be terminated. Why? because of the above claim being filed. plus three old traffic tickets dating back to BEFORE THE POLICY (the oldest is Sept. 2009, the most recent is nearly two years old -- Feb. 2012). The oldest ticket will be off my record with them in 8 months but they don't care. They are abandoning my policy after ONE incident that was NOT in a dangerous driving or otherwise outlandish circumstance, after PROMISING the claim would not affect our insurance rate, much less cause termination. They said it was possible if we paid them back the claim payment, then they'd consider reinstatement - in other words, pay off the $1685 they paid out and erase the claim. WHAT IS CAR INSURANCE FOR IF YOU CANT MAKE ONE CLAIM IN FOUR YEARS? For a small amount that is less than 1;/4 of what I have paid?Desired Settlement: I would like the termination notice to be withdrawn and the auto insurance to continue. Their behavior is abominable.

Consumer

Response:

From: [redacted]

Sent: Thursday, December 19, 2013 4:09 PM

To: [redacted]

Subject: Fwd: Complaint Transfer for Complaint Number:[redacted]

Review: I acquired an insurance policy thorough a broker and was not quoted properly. Consequently, Travelers insurance is demanding triple initial quote.

On May the 13th 2013, I went to a [redacted] a insurance broker. I was given a quote of approximately $223 a month and accepted it; however, a month into the policy Travelers Insurance company conducted an a phone interview. Travelers asked many questions involving household members and then proceeded to add them to my policy: therefore, exponentially increasing my premium. Although; the people added live at the same address, they are separated by different apartments. Nonetheless; Travelers proceeded to add those people to my policy, pushing the premium beyond my budget and was NOT notified of that until the bill arrived. Travelers Insurance company has been very uncooperative in negotiating a settlement. The policy number I'm disputing is [redacted] for Travelers Insurance Company for a 2002 [redacted] Grand Viatra. Travelers Insurance company has now proceeded to submit this issue to a collection agency. Consequently, this is on my credit report while in dispute.Desired Settlement: I would like to pay for what I was initially quoted and no more($223). I did use the policy; however, immediately obtained alternate coverage once I was aware of the situation.

Business

Response:

A response was sent to Ms [redacted], November 22, 2013 from Travelers [redacted] Business Center, as follows:

"We are in receipt of your inquiry that you submitted to the

Revdex.com regarding your automobile insurance policy with

Travelers [redacted].

Review: To Whom It May Concern:

My name: [redacted]. Address: [redacted]. Phone: ###-###-####. Email: [redacted].

My car, 2013 [redacted] RX 350, was damaged on the parking lot of the building located at [redacted] on 09/09/2015. The damage is the rear bumper.

Travelers Insurance is responsible to cover the damage. The claim was handled by [redacted] Claim Department of [redacted]. Address: [redacted]. Phone number: ###-###-####. The adjuster name is Nghi H[redacted].

They sent a agent Jeremy A[redacted] and did an estimate for the repair on 09/16/2015. The estimate was $886.98 for the repair. The insurance mailed me a check of $886.98. In the mail stated that I can choose any repair shop to repair the car. The adjuster Nghi H[redacted] also called me and told me that.

I took the car to [redacted] in [redacted] , ** for the repair. Base on the same damage to replace the rear bumper , the estimate was $1,481.90. There is $594.92 difference. I called Ms. H[redacted] and was told that [redacted] need call them to negociate the reapir cost. Thye called and was told some one will call back but no one called back. After a week Ms. H[redacted] called me and ask me to take the car back to [redacted]. I have to take the car back to [redacted] and they will send another agent to the shop to negociate the repair cost. I took the car back second time on 10/15/2015. The person did original estimate, Eddie G[redacted], was not there that day. I tried to get a rental car so I can drop my car there. But I was told I need a pre-authorization for the rental car from the insurance. Ms. H[redacted] told me that I can get the rental car but she did not told me that I need an authorizaion and she never gave me the authorization.

I called Ms. H[redacted] back on 10/19/2015. She told me I have to go back to [redacted] again. I told her that the estimate I got from [redacted] was base on the same damage and same work to replace the rear bumper. The damage is very clear and simple, and why I should take the car back three times. The major cost differece was the labor cost. Travelers labor cost listed as $42.00 and [redacted] was $60.00. I checked several repair shops all of them the repair labor cost is $60.00 / Hour. I ask Ms. Ms. H[redacted] what is my right as a customer and what is my options. She told me that you do not have any other options. You need take the car back again. I ask her if I can talk to thh superviser, she told me that you will get the same answer. Finaly she agreed transfer the phone to a superviser, Steve C[redacted]. But steve did not answer the phone so I left a detailed message and ask him to call me back. But Steve never called me back.

It is almost two months passed since the incidence. I am not happy with the whole situation. My car was damaged and I think the insurance have to pay for the damage at fair market price for the damage. Travlers insurance just wants short change on the compensation and make the whole claim precedure very difficulty. That is wrong.

I would appreciate if you can help me to solve the issue.

Thanks.

10/28/2015Desired Settlement: Pay the compensation at market price.

Business

Response:

A response was sent 11/10/2015.....

It is our understanding that

this claim has now been resolved to his satisfaction and there are no

outstanding issues.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: I have contacted [redacted]. They are not willing to this repair as Travelers estimate and adjustment. Reason: 1. The labor hours total are 15.7 hours from [redacted] but only 12.3 hours from Travelers. The difference: 3.4 X 50 = 170.00. 2. The part: Longo, $542.43, travelers, $378. The difference: $164.43. Total amount is short: $334.43.

Sincerely,

Business

Response:

A response of 11/10/2015 was sent, to Revdex.com, however, has been corrected and has been sent to [redacted], which explained the claim was settled, with an additional claim payment made, so the response rejection of 11/18/2015 from [redacted] may have been from conversations with Travelers claim unit, prior to his receipt of this response.

Consumer

Response:

I got a call from the adjuster from Travelers on 11/08/15. I was told that they will make some adjustment of the labor rate and mail me the new estimate and extra payment.I received the new estimate and extra payment about week later. I have to reject the the new adjustment, because it is still short of $334.43. ( see my last response on 11/18/15 ) I rejected on 11/18/15 with Revdex.com. I also send the Manager of Travelers a letter of my objection. I requested the extra payment of $334.43 to settle the claim.

Review: [redacted]

I am rejecting this response because:

Sincerely,

Review: I was admitted to the ER for a work related injury. Travelers paid most of the bills, denied one claim, for reasons unknown, as this is a workman's comp issue. I contacted this company, the individual in charge of the case, going by [redacted]., is impossible to contact. I always get her voicemail, do not get a return call. When trying to contact any other employee to help me with the case I am placed on hold for extended periods of time. Speaking several different times with the insurance company, I had been told that the bill was paid, they quoted me the exact amount. Later, I received a bill from a collection agency regarding the bill that travelers supposedly paid. When I called to discuss this with travelers, I was informed again, that this company, was taking care of the bill, additional funds were being released on the bill. Where it currently stands I am being harassed by a collection agency for a bill that travelers "paid." I feel like I am having to do the travelers job for them by pursing this workman's comp case. Something they should have taken care of months ago, and several times claimed they did.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want this company to pay the bill they originally stated was paid.

Business

Response:

A repsonse was sent to Mr. [redacted] on September 24, 2013 from Travelers Naperville Illinois Claim Service Center:

"Travelers

issued payment for the bill on August 27, 2013 and on September 24, 2013, [redacted]

with [redacted]’s billing department confirmed it received the payment. She stated that she would let the collection

agency know that there was a zero balance.

If you would like us to contact the collection agency as well, please

provide me the contact information."

Review: We have been living in this home for 18 years and through several hurricanes never filed a claim until last year. Travelers did NOT cover wind damage (a change they said they made to the policy) but reimbursed us $1100 for water damage then canceled our homeowners insurance coverage. Their reason...we filed a claim. It is hard to imagine that an insurance company can take a position of simply canceling anyone's coverage because they filed a claim under a homeowners policy that you have paid for 18 years. the policy they have paid for After paying annual homeowners premiums for 18 years, filed one claim for $1000 and Travelers canceled coverage.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

Don't cancel the policy

Business

Response:

Business Response /* (1000, 5, 2013/08/04) */

A response was sent 8/2/2013 to Mr. [redacted], from Travelers Knoxville Service Center. Upon underwriting review of Mr. [redacted]'s former policy, we found the policy was no longer eligible for renewal due to having a loss within the past 3 years and having no accompanying Travelers automobile policy.

The non-renewal action taken was found to be in compliance with our current underwriting guidelines as filed with the state of North Carolina.

Review: After canceling my policy almost a month ago, Travelers is still taking monthly payments from my paycheck and 4 different reps can tell me why!

I canceled my policy on June 4th, was first told nothing would come out of my next paycheck. Nope, $200 odd dollars came out, after calling a different rep told me there would be that charge and I would get a paper bill of $90 in the mail to finish paying off my insurance. I then received a letter in the mail of a $321 credit to my account, I called travelers back and this employee said I would get a reimbursement check in the mail for the last $200 payment that came out. Never happened! I checked my pay check stub and sure enough I was charged yet again, I called the customer service hotline and was told there was nothing she could do and she would have somebody call me in the morning. This isn't right and why hasn't anybody been able to give me correct information onto why Travelers keeps taking my money!

Since they've taken this money out of my check I don't know how I'm going to feed my family or the next two weeks. This has physically made me sick/disgusted and I hope somebody can help me or at least not give me the run around about where my money is going. Desired Settlement: I feel I desire a refund of the month or partial of the money they've taken since we canceled!

Business

Response:

Business Response /* (1000, 5, 2013/07/02) */

We need additional information - policy type and policy number, in order to identify what area of Travelers to send Ms. [redacted]'s concern.

Travelers had competitive rates, but terrible adjusters. When someone hit my car Travelers said fault was 50/50 and it wasn't their problem. I immediately called up the insurance provider of the person who hit me to give them my side of the story and they ended up paying for my claim. I pretty much did Traveler's job for them.
Eventually I purchased a home and got homeowners insurance with them too. Our roof was totaled and took over 2 months to be paid. The adjuster kept apologizing indicating that all the adjusters had way too many claims to handle them in a timely manner. After the claim they raised my premium by 30%!
I contacted my local insurance agent and they mentioned that Travelers is one of the worst companies they deal with.

Review: I have had Travelers Ins for the 5 yrs I have owned my home. My roof has begun to buckel my homeowners is refusing my claim & threatening to cancel me

I have had Travelers Ins (ACCT# [redacted])for the 5 yrs (since May 31 2009) I have owned my home. I was told my roof looked odd by a neighbor and when I had a engineer come out he said my roof was buckeling due to the past few yrs of snow. I submitted a claim with Travelers and they sent another engineer out who agreed with the engineer I had hired. After speaking to my agent(AGENT #[redacted]), I was not eligible for a claim because the roof damage could have been cause by old age. Also Travelers said I did not live in my home and require me to provide bill statements. After meeting all their requests, Travelers has now sent me notice that they will be dropping my insurance coverage effective 1/15/14. I am saddened to see after payiny my premium every month now that I need my insurance, they are unwilling to assist me.Desired Settlement: I would like my claim to be accepted and have my roof repaired. I have paid for insurance and expect them to assist me now that I am in need of their coverage. This has become a very scary and frustrating situation. I am concerned about the roof collapsing, not only endangering my two young daughters that live with me but also leaving us with no where to live if the roof falls in and damages the home further.

Business

Response:

Please direct [redacted] to the [redacted], since his complaint through them was responded to, from Travelers [redacted] (Underwriting) on January 14, 2014, and Travelers [redacted] Claim Service Center (Claim).

Thank you.

Review: Hello,I filed an auto insurance claim ([redacted]) and brought it to the auto body shop of my choice as instructed. After they received the quote travelers decided to use after market parts when contacted about it they said it is at there sole desecration to use them as stated in the contract. Which I agree with BUT in the contract they also state the return the vehicle to pre-loss condition which they are failing to do if they use aftermarket parts. Since they are taking an OEM part and replacing it with a off brand part the vehicle is not being replaced to pre-loss condition. That is a violation of the contract on their end. In [redacted] case the plaintiff had a similar issue and was awarded the settlement. I understand travelers is not [redacted] but the same settlement could be reached if judicial proceedings happen. Which I may have to consider to persue. I also feel like the attorney general of Florida needs to be notified as well, since they are breaking their own contract. I would like OEM parts used on my car. They do not have to be new but they have to be OEM or im not receiving pre loss condition. This is ridiculous I cant believe travelers would treat their own policy holders like this. Thanks.Desired Settlement: I would like OEM parts used on my car. They do not have to be new but they have to be OEM or I'm not receiving pre-loss condition.

Business

Response:

The [redacted] complaint

[redacted] was responded to on 11/12/2013, from Travelers [redacted] Claim Center:

Review: Insurance company refuses to honor their contract agreement and falsely claimed they had a limit on repairs due to depreciation.

I recently had damage to my home due to a large tree falling on my roof and causing mutilation to a variety of areas of my home and personal property in my yard. As with any claim, we contacted our insurance company only to find that it took them two weeks to respond back and with no explanation for why it took so very long. In my opinion and those who came to provide an estimate, which I did on my own because I was not told anything by the appraiser [redacted], was an urgent matter since the tree destroy part of our roof and went all the way through our master bedroom.

Sadly, when the appraiser arrived from Travelers Insurance we were even more dismay. He had no ladder to check the roof nor any tools to access the proper that had been damage. His stay was rushed and my husband had to assist him in climbing up on the roof. Needless to say, he missed item after items. It was a poorly executed appraisal and we still had to wait for a reply. I had to call several times to find out what had happened to the estimate. I secured four estimates, and each told us that the appraiser did not include a variety of things and that they had other complaints about appraiser/adjusters who tried to save money for the company by offering a ceiling to a claim. With this information, I contacted the appraiser once again and he sent me a new estimate adding some of those missed items. He never returned to truly do a thorough estimate, he told my husband that if he appraised our damage beyond three thousand dollars that Traveler's would force him to depreciate the property and we would receive less that the three thousands dollars.

We are extremely disappointed in Travelers Insurance and their agent. This kind of illegal and unethical tactics are in violation of the law and can be litigated. We are still waiting for Mr. [redacted] to respond to my last email.

I have attached a couple of emails to verify my complaint.

From: "[redacted],[redacted]" <[redacted]>

To: [redacted] <[redacted]>

Sent: Wednesday, August 21, 2013 8:24 AM

Subject: RE: Copy of Estimate

Good Morning Ms. [redacted],

If your contractor believes that the estimate drafted by Travelers is incorrect, please have him forward me a copy of his estimate so that I can review it. This will allow me to determine what additional items may be needed. Also, please have your contractor contract me so that we may discuss the replacement costs and where they are located within the estimate (prices are found in the line items themselves and on the summary pages at the end of the estimate). As we discussed yesterday for any additional damage that was not discovered during my inspection (siding, lawn mower) please take photos of the damage and forward them to me so that I may add them to your claim file.</[redacted]></[redacted]>Desired Settlement: We want to have funds to replace the air conditioner unit damaged, the full cost for the siding, the refunds for the damage deck, the frame around the door, and the full cost for the roof area.

Business

Response:

A response was sent to Ms [redacted], 11/13/2013 from Travelers [redacted] Claim Service Center:

"[redacted] (hereafter

referred to as “Travelers”) acknowledges receipt of your complaint dated

October 31, 2013 in which you questioned the handling of your claim and the

scope of damages included in our estimate for repairs.

Review: In September of 2002 I purchased an insurance policy for my mothers house from Travelers Insurance Company. My mother departed several years ago and I continued to pay for the insurance policy. The house was then occupied by my youngest sister [redacted]. My sister did not communicate in any way with me. I also could not enter the residence. It became a problem because of her refusal to uphold our verbal contract.I was forced to go to court and get an order to evict her from the residence.In the month of July 2013 she evacuated the house and I decided to refurbish it. Upon my inspection of the house. I noticed plumbing issues,cracks within the foundation, water damages, and mold throughout the house. The roof of the house had an accumulation of debris from the trees inside the yard. After viewing the house, I filed several claims to have the house reconditioned. [redacted], the inspector representing Travelers Insurance Company met me at the house. He assessed the damages, took pictures and made several comments about the fixtures. I informed him my main concerns where the plumbing issues, foundation, and the roof. Which were all covered under my policy. Several days later I received a phone call from [redacted]. He stated that my claims were denied and the reason was because there had been no recent storms to have caused the damages to the property and that he would be sending me a letter certified through the mail detailing why my claims were denied. He also state I should talk to my agent, [redacted]. After calling and talking to my agent, she gave me a phone number from [redacted] for a manager representing Travelers Insurance Company. Personally it felt like I was going in circles. He had me calling a bunch of people. Every person that I called referred me back to him. In the end, I didnt receive any answers to my questions nor a resolution to my problems. I was in such disarray. My mother worked so hard to own that house and it was upsetting to me my sister would leave the house wrecked and almost impossible to live in. At the same time, I was grateful that I purchased an insurance policy to be able to protect and rebuild what she worked so hard for. The main purpose of having insurance policies, to protect , and rebuild, or replace what so many of us have worked hard for. I feel that Travelers Insurance Company has scam me, for so many years. I have paid my hard earned money to them, and they are refusing to protect and recondition a house that is covered by their policy.Desired Settlement: Would like to have my for the claims or the money that I invested.

Business

Response:

A response was sent to Mrs. [redacted], November 6, 2013 from Travelers [redacted] Claim Center:

"We

received the above referenced claim on August 5, 2013 and made contact the same

day. The inspection took place on August 9, 2013 with Mrs. [redacted]. Our

inspection confirmed interior water leaks in multiple rooms, which prompted a

roof inspection. The roof inspection confirmed no storm damages, which is a

requirement under the policy to afford coverage for interior leaking.

Review: WORKERS COMP CLAIMS ON OPEN MEDICALS FROM SETTLED CASE GIVEN TO ME THEY LIE AND SAY NEW INJURY AND DO NOT HELP YOU AT ALL.I HAVE HAD OPEN MEDICALS NOW FOR 21 YEARS.TIRED OF THEM PLAYING GAMES WITH ME AND LIEING ABOUT WHAT WAS SAID ON THE PHONE, CANNOT BE TRUSTED JUST LEAVE YOU HANGING, THEY DO NOT HELP YOU AT ALL LEAVE IN ALL UP TO YOU TO DEAL WITH..Desired Settlement: DO WHAT YOUR SUPPOSED TO DO , MAKE IT RIGHT.

Business

Response:

We cannot identify a workers compensation claim, based on name, address and email information [redacted] provided. We need additional information.....please provide claim number, insured name, Date of Loss and State in which this claim occurred so that we can identify the correct claim office to address [redacted] concerns. Thank you.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.

Sincerely,

Review: I am filing a complaint for the following reasons:

The term rate for a recent change to my auto policy does not match the quote provided by the agent over the phone. Each of my repeated inquiries into the customer support team have been brushed off and my escalation requests have been ignored. This turns a small issue into a large one for me as the responses from customer support are infuriating.

My history:

My auto policy was $450/6 months for my location in [redacted], **. I purchased a home in [redacted], ** and received a quote through [redacted] for the new location at the same rate. I called to update my address starting 9/24. Here is a summary of the conversation with the agent:

Me: “I need to update my address.”

Agent: “It looks like the change to your address raises your rate.”

Me: “Did you add the homeowner’s discount now that I am a homeowner?”

Agent: “I forgot to do that. With that addition, the policy rate stays exactly the same. There will be no change.”

I then notice that my rate has increased on my payroll deduction. I checked my policy online and, sure enough, the rate has increased to $486/6 month. I also notice that the homeowner’s discount is not reflected. I assume an error has been made that it was not applied so I contact customer care.

Inquiry ID: [redacted] 10/2 Me (Summary): My policy rate has increased. I believe this is in error. Please ensure the homeowner’s discount is added to my policy.

10/3 [redacted] (Summary): Your account already has the multi-policy discount applied.

10/3 Me (Summary): I did not inquire about the multi-policy discount. I inquired about the homeowner’s discount.

10/3 [redacted] (Summary): The homeowner’s discount has been applied.

10/9 Me (Summary): I do not see this policy change or associated rate change reflected yet on my account.

10/9 No Name (Summary): Your rate increased because your annual miles increased and your address changed.

10/9 Me (Summary): I did not ask for a mileage increase. Please correct. Please escalate to a manager and review the original conversation with the sales rep.

10/10 [redacted] (Summary): Your mileage has been reduced again, but your rate has not changed. Sorry.

10/10 Me (Summary): This is not acceptable.

Where is the ownership of this issue? Where can I confirm that the homeowners discount was applied? Why do I keep getting brushed off? Why was my request to escalate ignored?

I understand the amount of money that is in question here is not very much. But the misrepresentation from the quoted amount to the actual amount is unacceptable. And the lack of any interest in addressing my problem is unacceptable.Desired Settlement: Please review my account in detail. The conversation with the agent during the address change was recorded to my understanding. Please listen to that recording. I also have a copy of the quote provided by the agent from [redacted].

Here is what I want:

1. Someone to own my issue and not brush me off after half-reading my request.

2. Confirmation that the homeowners discount is applied to my account. I want to see this through an updated policy posted to my online account.

3. Either adjustment to my policy rate based on the application of the above discount -OR- a detailed explanation as to why the actual rate does not match the quoted rate by the two agents I talked to.

Business

Response:

A response was sent to Mr. [redacted] on October 10, 2014 from Travelers:

"First, please accept our sincere apologies for

the service experience in regards to your premium and policy concerns being

addressed. I have conducted a detailed review of your policy and see that your

rate has been changed back to the $450 for the term as you requested.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Review: I opened a Policy with Travelers through an Insurance Agency in ** on April 8, 2014. I paid the Down Payment and the payment for April/ May and June. At the end of May I received a cancellation notice and called Travelers and spoke with an underwriter that stated that they needed proof of previous insurance. I then faxed a declaration page from the previous insurance, then called and spoke with a underwriter that stated that he can see the document and it is what was needed and that it will take a few days to put in the system. He also stated that I should still make my monthly payment on time because the policy takes a while to reinstate. I made the payment and heard nothing more from them. Then on June 14,2014 I called and reported a claim of a hit and run, I received a claim # [redacted] and had given all the information needed by the claims agent. I then followed up 2 days later and the claims agent stated that it was not covered and the policy was canceled and to call my agency. When I contacted the agency they stated that I needed 6 months of previous coverage. I explained that I had just purchased the car in December 2013. Before that I was taking public transportation. There was no way I could have had 6 months previous insurance before the policy I opened with them. I then received a Check of $176.47 from Traveler's which I am guessing it is what is owed back from my June payment of $221.51. I just need them to stick to the agreement and have my car fixed so that I can get back and forth to work. I am now lefft with a vehicle in my driveway that needs repairs that I can not afford to do right now. I feel that It was bad judgement on Travelers part and The company that I work for has a large agreement with Travelers and I am going to post how I was treated by Travelers.Thank you,[redacted]Desired Settlement: I would like Travelers to have the car repaired. I had full coverage with them and for them to say that everything was OK and not notify me that more was needed was wrong.

Business

Response:

A response was sent to [redacted], July 1, 2014 from Travelers [redacted] Business Center as follows:

"Thank you for your correspondence of June 29,

2014 which has been forwarded to us from the Revdex.com for

response. We appreciate the opportunity

to respond regarding the recent cancellation of your automobile policy.

We have reviewed our policy records and find

this policy was originally issued by the agent effective April 8, 2014. According to Travelers new business

eligibility requirements, any operator who has owned a car that has been

uninsured for more than 30 consecutive days, or who cannot show prior

automobile liability in coverage in force for at least 6 consecutive months, is

ineligible.

At the time of application, it was indicated to

us that you had maintained continuous insurance for a period greater than or

equal to 6 months but less than one year and that that you had been insured

with your current carrier (at that time) for less than 6 months. This met Travelers new business eligibility.

However, we were not able to validate this information. Therefore, on April 21, 2014, a letter was

issued to your agent requesting proof of prior insurance.

When we did not receive a response to our

request, a Notice of Cancellation was issued on May 29, 2014 informing you that

your policy was being cancelled effective June 13, 2014 because we did not

receive the necessary information to complete our underwriting process. Specifically, we did not receive a copy of

the declaration pages from your prior carrier showing 6 months of continuous

insurance.

On

May 30, 2014, our customer service representative informed you that your policy

was being cancelled because we did not receive proof of prior insurance and

requested that you fax in your prior declarations page for consideration of

reinstatement. On June 2, 2014, we

received your fax and you were informed that it would be reviewed by an

underwriter for possible reinstatement.

On

June 7, 2014, you contacted us to make a payment. At that time, you were informed that your

policy had not been reinstated and that the documentation you provided was

still pending underwriting review. In

addition, we informed you that the underwriters are not available on weekends

and that you should call back on Monday (June 9, 2014) for our decision. We

were not contacted again until after the cancellation effective date.

It

important to note that the information (declarations page) provided by you on

June 2, 2014 was not accepted by the underwriter as proof of continuous

insurance coverage because it did not confirm continuous insurance coverage for

a full 6 months. The risk does not meet our eligibility guidelines and the

reinstatement of the policy was declined.

We

regret that we are unable to reinstate the policy to provide coverage for the loss

that occurred on June 14, 2014.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Again, I only owned the car since December 2013. I had not owned itfor 6 months. No time during that ownership had I gone without coverage for 30 days. I sent proof to the agency as well as the person that was handling the claim to forward it to the underwriter. When I spoke to the agent they failed to state that I should call back. That was not the case, had it been so, I would have. I have proof of the coverage for the time I initially purchased to the time I had Travelers Insurance. They only asked for the previous carrier before then. Also, the agency never contacted me regarding anything needed in April.

Sincerely,

Review: I received a letter from Travelers Insurance directing me to their website to receive a free auto quote. I filled out all required information and was asked whether I would like to finish my quote online or speak by phone to an authorized Travelers insurance agent and receive a $20 [redacted] gift card. I chose to speak with an authorized Travelers insurance agent his name was [redacted] from [redacted]. I provided all information asked and then was given a quote for auto insurance. I was also guaranteed the gift card. A week later I received a gift card but it was not activated. There was a phone number on the gift card, so I called it. I spoke to another agent that told me I would have to start the entire process over again if I wanted to have my card activated. I hung up the phone.Desired Settlement: I would like the $20 gift card(activated) that was promised.

Business

Response:

A response was sent to [redacted], January 27, 2014 from Travelers [redacted] Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate

having the opportunity to address your inquiry in this letter.

Review: I received a statement from Travelers Insurance Company through [redacted] Associates in [redacted] stating I owe $41.00 for the cancellation of auto policy [redacted].This is another imaginary fee drawn up by insurance companies to penalize customers.Desired Settlement: A refund of $41.00.

Business

Response:

A response was sent to [redacted], 11/4/2013, from Travelers [redacted] Business Center via email:

"Thank you for your recent inquiry to Travelers through the

Revdex.com. We appreciate you taking time to share your

concerns and I am writing today to follow up on your inquiry.

Review: Claim [redacted]

SANDY STORM damage to personal residential property covered under homeowner's insurance less $500 deductible.

Claim [redacted]

SANDY STORM damage to residential property under homeowner's insurance coverage less $500 deductible.

Contractor's charges are contracted at $4447 and $1500 for additional wood damage (change order)=$5947.00. Faxed documents to Travelers agent [redacted] told me wood damage wood be covered. However, when I speak to supervisor, [redacted] he states wood change order is rot and not covered. SANDY STORM created wind and water damage to my property and should be covered COMPLETELY under my homeowner's insurance.

I have Traveler's homeowner's insurance and my total contractor's charges are $5947.00 and I have received a total payment from Traveler's Insurance of $3001.32.

I am requesting investigation and reimbursement for SANDY STORM out of pocket property repair expenses $2945.68. This is the difference between the contractor's charges of $5947.00 and Traveler's Insurance payment of $3301.32.

Thank you.

[redacted]Desired Settlement: Claim [redacted]

Requesting Traveler's Insurance to issue SANDY STORM residential property reimbursement check for out of pocket expenses $2,945.68 covered under homeowner's insurance.

Check should be made out to customer and mailed.

Business

Response:

A response was sent to Ms. [redacted] on October 15, 2013 from Travelers [redacted] Claim Center:

"During our conversation we

discussed your concerns regarding an expense you incurred for the replacement

of the plywood roof sheathing during the course of your roof replacement this

past summer.