Unitrin Direct Auto Insurance

Review: Im writing to you today in reference to Kemper Direct Ins. I obtained their insurance before they were Kemper about 4 years ago. I chose them because their rates were so good and I got a lot of extras and it was still a really good deal. After being with them for 4+ years, paying them electronically so they were paid on time every single month, I had no claims and had no violations, I get my renewal surprise they doubled my premium. When I called them to ask why they said they discontinued the price lock program for the Minnesota customers and basically, this is what it is and were not going to change it. They didnt care one bit that I had been a loyal customer for 4+ years and that I would lose my vanishing deductible benefit as I obviously need to change my insurance because Im not paying double which now will be higher than any insurance quote I get.I wanted to file this complaint so anyone who is thinking about getting this insurance knows that after being a loyal customer, this insurance company will basically screw you by increasing their rates thinking that you will stay because its easier than looking for new insurance and because of the fact that you dont have to pay any deductible because of their vanishing deductible plan.I also feel that its completely unfair of them to only do this to the people who live in Minnesota. This tells me they are singling out this State and trying to get the policy holders to cancel so they can stop servicing us.Desired Settlement: I want Kemper to know how upset I am at how they treat their loyal customers and others to know not to use their insurance because they don't care about their customers, only their bottom line.

Business

Response:

Dear **. [redacted],

Review: After not receiving any correspondence from [redacted], I noticed that my renewal premium had doubled(checking my bank account online). I called and spoke to a [redacted] representative the same day I saw the charge and he advised that the company had done away with the PRICE LOCK GUARANTEE and now my premium for my renewal, starting December 1, 2013, would be over $152.99, previously $75. I immediately advised that I would not need their policy and asked the [redacted] representative to have the charge reversed. He advised he could not and would not do that. My refund would be mailed to me. Fine. In the meantime I cancelled the policy and waited for the refund. I recd a refund for $79.99. I then got a call from [redacted] and called them back, only to be verbally abused by a [redacted] representative. I ended the conversation after he refused to get a manager, then called me back, unsolicited to berate me even further. Again I ended the call and immediately called the number back that was used to call me. It was an after hours message center.

I then called and spoke to the regular customer service line and spoke to manager there, reported the person that had called and harassed me. She was very helpful, went through my billing and she could not even figure out what the company was doing on the billing statement. She said she would call me back but instead I just recd an email from a [redacted], ACS, AIS - Level III Customer Service Representative with a billing statement that makes no sense to me. Again, great customer service to send a foreign document to a customer that has never used or worked on a [redacted] system. Sounds like a ploy to confuse and discourage one from proceeding with a complaint.

I have worked in the insurance industry for over 15 years and this form of treatment by [redacted] employees would not be tolerated at the company I worked for. It would deserve termination.

All I want is the remainder of the unused premium of $73 refunded as I took all proactive measures to ensure I was following correct protocol. Unlike [redacted], who did not even notify me of the premium increase, until after the fact. Then I recd like 6 pieces of mail from them.Desired Settlement: All I want is the remainder of my unused renewal premium, $73.

Business

Response:

Review: HighHI Revdex.com Team,Please find below my issue and the response from [redacted].Issue Introduction:I have taken my car insurance in [redacted] used to withdraw money from my credit account on 20th of every month. Till last month there was no issue with them. On 20-Jan-13 (Sunday), they have charged me 25$ more saying that there was no enough balance in my credit card account.I was having enough balance till 13:00 PM of 20-Jan-13, but [redacted] have deliberately delayed their request to [redacted] credit card. I have attached the time when [redacted] have sent their request to [redacted] credit card. It is 21:00 PM on 20-Jan-13. [redacted] is very brilliantly saying that they have charged 25$ more, as per their written statement, but they have nowhere mentioned that they will be sending the request to the card only at the end of the day. If [redacted] is very strict on their words, then they have to responsibility to show me the document in which they have mentioned that they will sending the request to the credit card company only at the end of the day. Thinking that [redacted] would have taken the money on the early of the day or at least within the 1st 12 hours of the day, I started using my credit card for other expenditures. And more than this, when I noticed that [redacted] have not taken the money from my credit account, I paid the insurance amount through my checking account on 20-Jan-13 itself, but unfortunately as it was Sunday evening, the payment was processed on the next day.I like to understa here why [redacted] sent the request to my credit card company late in the day, whereas they coshould have taken the money from account as their first activity on that day. I kindly request you to look into this issue on behalf of me and get me the justice.Desired Settlement: I expect them to refund my 25$ and clear this from my credit report.

Business

Response:

Dear [redacted],

[redacted]'s payment due date was 1/20/13. Our premium accounting department submitted the request for payment to [redacted]'s credit card on the 20th of January. The timeframe in which the payment is withdrawn from [redacted]'s account is not determined by our company, it is determined by his credit card company. Also, [redacted] is enrolled on our Easy pay plan. On this plan there is an email that is sent to his email on file ([redacted] informing the insured the amount of the payment that will be charged to his account each month. This Easy Payment reminder is emailed to him on the 15th of every month. Attached is the email reminder that was sent to him on January 15th. It clearly states that the payment will be charged on or after 1/20/13.

Based on the above information, we would not be able to refund the $25 payment fee to [redacted] because his payment was due on the 20th of January and the funds were not available in his account.

If you have any further questions regarding this complaint please contact me.

Sincerely,

Underwriting Supervisor

Phone [redacted] Fax [redacted] (Email [redacted]

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because:

Regards,

Hi Revdex.com,

[redacted] team is not answering my question in anyway. I have attached the reply from [redacted] credit team on the time at which [redacted] has sent their request to deduct money from my account on 20-Jan. It says that [redacted] has received the request at 9:35 PM EST on 20th Jan, from [redacted]. My question, is why did it take this much time on the dead line day for [redacted] to send request to the credit card company and who is the business team which decids this time, and what is the reason behind this? Why should I be responsible for this and where have you mentioned this? I would accept it as my problem, if I havent had enough balance on the whole day, but I was having enough balance till 1:30 PM CST on that day and started using my credit card only after 1:30 PM CST thinking that [redacted] would taken their money.

I kindly request [redacted] team to provide me clear answers on the timing problem, after seeing the reply from [redacted] credit card which I have attached with this reply.

Business

Response:

March 22, 2013