W N Tuscano Agency

Dear Ms [redacted] Your file number [redacted] [redacted] *** The W N Tuscano agency is an insurance wholesalerAt all points of this transaction, we were acting as an agent of [redacted] Insurance Company ( [redacted] ) [redacted] ***, through there representative, Mr [redacted] secured the services of [redacted] Insurance Agency to represent their interests in this transaction As Mr [redacted] mentions, this matter has been fully investigated by the Pennsylvania Insurance DepartmentMy response to them clearly demonstrated the minimum earned premium was fully and clearly communicated to [redacted] agency at numerous points prior to the actual binding of coverageI have included a copy of the quote for your reviewHowever, I will not be duplicating the plus page response to the Insurance Department Mr [redacted] signed documents, including the premium finance agreement that also clearly listed the minimum earned premium There was no intent on the part of Tuscano or [redacted] to minimize or hide the fact that the policy was subject to minimum earned premium provisionsAs we were not party to any of the communications between [redacted] and [redacted] , we will not offer an opinion or speculation on them Thank you for your inquiry, but there is nothing we can do to mitigate this matter and will be considering it closed Sincerely [redacted] W.NTuscano Agency, Inc Greensburg, PA P: ###-###-#### F: ###-###-#### Fax

Dear Ms [redacted] 
Your file number [redacted] 
The W N Tuscano agency is an insurance wholesaler. At all points...

of 
this transaction, we were acting as an agent of [redacted] 
Insurance Company ([redacted]) 
[redacted], through there representative, Mr [redacted] secured the 
services of [redacted] Insurance Agency to represent their interests 
in this transaction. 
As Mr. [redacted] mentions, this matter has been fully investigated by the 
Pennsylvania Insurance Department. My response to them clearly 
demonstrated the minimum earned premium was fully and clearly 
communicated to [redacted] agency at numerous points prior to the 
actual binding of coverage. I have included a copy of the quote for 
your review. However, I will not be duplicating the 130 plus page 
response to the Insurance Department. 
Mr. [redacted] signed documents, including the premium finance agreement 
that also clearly listed the minimum earned premium. 
There was no intent on the part of Tuscano or [redacted] to minimize or 
hide the fact that the policy was subject to minimum earned premium 
provisions. As we were not party to any of the communications 
between [redacted] and [redacted], we will not offer an opinion or 
speculation on them. 
Thank you for your inquiry, but there is nothing we can do to 
mitigate this matter and will be considering it closed. 
Sincerely 
[redacted]
[redacted]
W.N. Tuscano Agency, Inc.
Greensburg, PA 15601
P: ###-###-#### F: ###-###-#### Fax

Review: I bought a commercial insurance policy w/ downpayment of $2191, and canceled the policy the following day because I found another policy at half the cost. two weeks later I receive the cancelled policy in the mail and buried in the fine print is a statement notifying me that the cancellation fee is 25% or the premium. this amounts to $1800 of my down payment. this all transpired the end of march and have yet to receive my refund. Likewise I feel the cancel fee is outrageous. what do I get for that money? nothing. I can understand a reasonable administrative fee but $1800?? ive contacted the the pa insurance dept and their investigation says the insurance company did no wrong because pa law does not specify limits on fees. had I been made aware of this outrageous cancellation fee prior to making payment, I certainly would have given the matter more attention. I recently was hospitalized twice for ruptured appendix, then hernia in march and thus not well to give this the attention required.Desired Settlement: I want my deposit returned minus an acceptable fee-$200. keeping my $1800 for no services rendered is thievery. I feel strongly that I should have been made aware of this cancellation fee. im being ripped off!!

Business

Response:

Dear Ms [redacted]

Your file number [redacted]

The W N Tuscano agency is an insurance wholesaler. At all points of

this transaction, we were acting as an agent of [redacted]

Insurance Company ([redacted])

[redacted], through there representative, Mr [redacted] secured the

services of [redacted] Insurance Agency to represent their interests

in this transaction.

As Mr. [redacted] mentions, this matter has been fully investigated by the

Pennsylvania Insurance Department. My response to them clearly

demonstrated the minimum earned premium was fully and clearly

communicated to [redacted] agency at numerous points prior to the

actual binding of coverage. I have included a copy of the quote for

your review. However, I will not be duplicating the 130 plus page

response to the Insurance Department.

Mr. [redacted] signed documents, including the premium finance agreement

that also clearly listed the minimum earned premium.

There was no intent on the part of Tuscano or [redacted] to minimize or

hide the fact that the policy was subject to minimum earned premium

provisions. As we were not party to any of the communications

between [redacted] and [redacted], we will not offer an opinion or

speculation on them.

Thank you for your inquiry, but there is nothing we can do to

mitigate this matter and will be considering it closed.

Sincerely

W.N. Tuscano Agency, Inc.

Greensburg, PA 15601

P: ###-###-#### F: ###-###-#### Fax