The Company is in receipt of your complaint filed with the Revdex.com pertaining to the liability decision on our claim number D146217CAregarding the loss that occurred December 22, The Company completed a thorough liability investigation which included statements from both you
and our insured, and we reviewed the dash camera video you refer to in your complaintThe video footage shows our insured making a right hand turn across three lanes of traffic to get into a designated left hand turn laneOur insured was almost all the way into the designated left turn lane when the accident occurred, resulting in the front of your vehicle striking the right rear bedside panel and rear bumper of our insured’s vehicleThe dash camera also illustrates that your speed was a factor in this loss and you did not attempt to avoid the accidentThere were two unoccupied lanes to your right you could have moved into in order to avoid the accidentThe Company believes you hold comparative negligence in this accident and contributed to this loss by failing to maintain a proper look-out, failure to control speed and not taking the last clear chance to avoid the accidentThe Company therefore maintains the liability decision of 60% negligence attributed to our insured and 40% negligence attributed to youWe are more than willing to arrange an inspection of your vehicle and pay for 60% of your vehicle damages or you can pursue a 1st party claim through your own automobile insurance carrier, AAA Insurance, and we will resolve this property damage claim with AAA Insurance upon receipt of their Property Damage Subrogation demandIf you have any questions regarding the contents of this communication, please contact the undersigned belowRespectfully, R*** ***Team Manager
Complaint:
I am rejecting this response because: There are no medical bills as I have a family member that is a doctorAfter the original settlement was offered I suffered considerable more pain, discomfort, inconvenience and expense due to the vehicle repairs taking a monthThe release form has not been returned because the original offered settlement has proven insufficientThe vehicle diminished value is an issueI am faced with the loss as we attempted to trade the vehicle in for a new oneI have gone out of my way to defer cost to you by using a family doctor and not demanding a rental vehicleThere was no compensation for my passengerPlease remember your insured was 100% at fault and was negligent in her responsibilities to operate a motor vehicle safelyI wish to come to an amicable agreement with you to avoid the addition time, hassle and expense of filing a lawsuitPlease reconsider your position in this matterI am seeking $2,for additional pain, suffering, inconvenience and expenses; $5,for lost value of the vehicle; for a total of $8,Thank you.
Regards,
B*** ***
We regret any difficulty you may have experienced trying to reach our adjusterOur best practice is to pick up our telephones each time they ringAlthough this is not always possible, it is our goal
We have asked the handling adjuster to call you today at ###-###-####
Complaint:
I am rejecting this response because: it doesn't provide a solution or a deadlineHow long does it take your underwriters to determine coverage on a policy that should have already be writtenYour process
is to take so long that claimants give up
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11614954, and find that this resolution is satisfactory to me
Regards,
*** ***
Complaint:
I am rejecting this response because:
First of all, simply saying you call me is not an excuse for never, and I mean never answering your phone. I have never once been able to get through to the person assigned to my claim, or his manager. I have easily put in 10+ calls with voicemail to AUI. Secondly if you do call you do not leave a voicemail, a horrible business practice. I believe you are hiding behind your phone system. Your rating on JDPower seems to support this, you are marked as "Worse Than Average" You can reply and say you did this or that, but your business has a horrible reputation, which is why I feel the need to use this process to drive towards a resolution. The amount of time it has taken to arrive at this moment is totally unacceptable.I need to take my car for appraisal at the auto body shop, and once I do that if the amount you paid is sufficient we can close out this issue. Since I am unable to reach you on the phone, I will communicate with you in writing only from this point forward. I will not cash the check, if it has indeed arrived, until I verify the amount is enough to cover the damage.Do not close this out until we have this resolved, in a way that is acceptable for both parties.-***
On September 3, we mailed a status of claim letter to youit explains our investigation is incomplete as of this date as we have not been able to reach our insured to confirm the facts
of the lossBecause we have been unable to reach our insured to confirm the facts of the loss and there has not been full compliance with all terms of our insured’s policy are unable to consider your damages at this time
Kindly provide your claim number so that we may respond accordingly
Your selected repair facility must contact the appraiser directly for any and all supplement requests, not the adjuster
As per your discussion with adjuster R*** *** yesterday; The handling of this claim is being conducted under a Reservation of RightsBased on what we have learned to date and our review of policy number MNS30####9, we have determined that you may not have coverage for the claimWe are not denying the claim at this time but may deny the claim depending upon the outcome of our coverage investigationWe intend to investigate the facts and circumstances in connection with this claim
Complaint:
I am rejecting this response because: I still have the rental car due to delay from your companyI expect the remainder of my rental car to be paid otherwise I will be filling another complaintI will not accept response until my car is sitting in my driveway restored back to pre accident condition and I receive full refund for ALL of my out of pocket expensesBy the way, neither I or the body shop have received the supplemental/reimbursement checks.
Regards,
A*** ***
Our insured’s automobile insurance policy allows the Company to make payment to another party when the Company believes our insured was legally liable for those damages In this case, the Company has not been able to confirm the facts of the loss with our insuredThe Company does not know
that our insured was liable for your damages The Company is unable to provide coverage under our insured’s policy unless there has been full compliance with all terms of our insured’s policy, including our insured’s cooperation with our investigation Because for this loss there was not full compliance (our insured’s cooperation) with all terms of this policy, no coverage can be extended for the above referenced loss, at this time If the Company is unable to reach our insured we may not be able to extend any coverage for the above referenced loss The Company will continue its efforts to speak to our insured
The Company regrets any difficulty you may have experienced trying to reach our adjusterOur best practice is to pick up our telephones each time they ringAlthough this is not always possible, it is our goalWhen our adjusters are engaged with another person’s claim they are sometimes unable to
pick up the phone when it ringsIn those cases, we rely on our voicemail system to record your request so we may return your call
Our payment for your total loss should be approved today July 11,
Dear Mr***,We understand your complaint and we ahve responded to your complaintWe understand there are some disagreementsAs you know we responded to your Revdex.com complaintWith the exception of the following, you have our response; “Then no one from Alliance has ever contacted me on this until 2/17”, you are correct, 02/24/is after this date, which was my error and I apologizeIn regards to storage; you in fact, failed to mitigate your damages and we cannot understand why you told us you did not know where your car was after you moved your vehicleThis is a failure to cooperate just as your refusal to provide your driver information was your failure to cooperateAt this point we intend to extend coverage for this lossYour most recent transmission states: “So, I did move the car from tow company to body shop”. Your body shop is charging you storageThis is a failure to mitigateWe understand your complaint and we ask that you cooperate with our investigation and processing of your claim as per your policy requirement found on page of your policy which states: OTHER DUTIESWe have no duty to provide coverage under this policy unless therehas been full compliance with all terms of this policy.A person claiming coverage under this policy must:cooperate with us in any matter concerning a claim or lawsuit;provide any written proof of loss we may reasonably require;allow us to take signed or recorded statements, includingstatements under oath, and answer all reasonable questionswe may ask, when and as often as we may reasonablyrequire;promptly send us any and all legal papers relating to anyclaim or lawsuit;attend hearings and trials as we require;take reasonable steps after a loss to protect the coveredvehicle or non-owned vehicle from further lossWe will payreasonable expenses incurred in providing that protectionIfyou fail to do so, any further damages will not be coveredunder this policy;allow us to inspect and appraise the damage to a coveredvehicle or non-owned vehicle before its repair or disposal;submit to medical examinations at our expense by doctorswe select as often as we may reasonably require;authorize us to obtain medical and other records;refuse to, except at your own expense, assume any obligationor incur any expense other than medical or surgical careimperative at the scene of the accident and at the time ofcident;allow us to extract samples and fluids from your coveredvehicle, including, but not limited to; engine oil andtransmission oil; andallow us to access and extract all dataKindly contact your adjuster Lynn Barnett at ###-###-#### Xwith your claim number G2***as she would like to discuss settlement of the total loss of your vehicle and your storage charges
The Company is in receipt of your complaint filed with the Revdex.com pertaining to the liability decision on our claim number D146217CAregarding the loss that occurred December 22, The Company completed a thorough liability investigation which included statements from both you
and our insured, and we reviewed the dash camera video you refer to in your complaintThe video footage shows our insured making a right hand turn across three lanes of traffic to get into a designated left hand turn laneOur insured was almost all the way into the designated left turn lane when the accident occurred, resulting in the front of your vehicle striking the right rear bedside panel and rear bumper of our insured’s vehicleThe dash camera also illustrates that your speed was a factor in this loss and you did not attempt to avoid the accidentThere were two unoccupied lanes to your right you could have moved into in order to avoid the accidentThe Company believes you hold comparative negligence in this accident and contributed to this loss by failing to maintain a proper look-out, failure to control speed and not taking the last clear chance to avoid the accidentThe Company therefore maintains the liability decision of 60% negligence attributed to our insured and 40% negligence attributed to youWe are more than willing to arrange an inspection of your vehicle and pay for 60% of your vehicle damages or you can pursue a 1st party claim through your own automobile insurance carrier, AAA Insurance, and we will resolve this property damage claim with AAA Insurance upon receipt of their Property Damage Subrogation demandIf you have any questions regarding the contents of this communication, please contact the undersigned belowRespectfully, R*** ***Team Manager
Complaint:
I am rejecting this response because:I have not received a refund .
Regards,
R*** ***
Complaint:
I am rejecting this response because: There are no medical bills as I have a family member that is a doctorAfter the original settlement was offered I suffered considerable more pain, discomfort, inconvenience and expense due to the vehicle repairs taking a monthThe release form has not been returned because the original offered settlement has proven insufficientThe vehicle diminished value is an issueI am faced with the loss as we attempted to trade the vehicle in for a new oneI have gone out of my way to defer cost to you by using a family doctor and not demanding a rental vehicleThere was no compensation for my passengerPlease remember your insured was 100% at fault and was negligent in her responsibilities to operate a motor vehicle safelyI wish to come to an amicable agreement with you to avoid the addition time, hassle and expense of filing a lawsuitPlease reconsider your position in this matterI am seeking $2,for additional pain, suffering, inconvenience and expenses; $5,for lost value of the vehicle; for a total of $8,Thank you.
Regards,
B*** ***
313612: The Company regrets any difficulty you may have experienced trying to reach our adjusterWe have asked the handling adjuster to call you today
We regret any difficulty you may have experienced trying to reach our adjusterOur best practice is to pick up our telephones each time they ringAlthough this is not always possible, it is our goal
We have asked the handling adjuster to call you today at ###-###-####
Our payment was processed on 09/30/in the amount of $4,185.72, you should receive your payment very soon
Complaint:
I am rejecting this response because: Incomplete To whom it may concern, Claim number is 31##Thank you
Regards,
R*** ***
Complaint:
I am rejecting this response because: it doesn't provide a solution or a deadlineHow long does it take your underwriters to determine coverage on a policy that should have already be writtenYour process
is to take so long that claimants give up
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11614954, and find that this resolution is satisfactory to me
Regards,
*** ***
Please provide your claim numb er so we may respond accordingly
Complaint:
I am rejecting this response because:
First of all, simply saying you call me is not an excuse for never, and I mean never answering your phone. I have never once been able to get through to the person assigned to my claim, or his manager. I have easily put in 10+ calls with voicemail to AUI. Secondly if you do call you do not leave a voicemail, a horrible business practice. I believe you are hiding behind your phone system. Your rating on JDPower seems to support this, you are marked as "Worse Than Average" You can reply and say you did this or that, but your business has a horrible reputation, which is why I feel the need to use this process to drive towards a resolution. The amount of time it has taken to arrive at this moment is totally unacceptable.I need to take my car for appraisal at the auto body shop, and once I do that if the amount you paid is sufficient we can close out this issue. Since I am unable to reach you on the phone, I will communicate with you in writing only from this point forward. I will not cash the check, if it has indeed arrived, until I verify the amount is enough to cover the damage.Do not close this out until we have this resolved, in a way that is acceptable for both parties.-***
On September 3, we mailed a status of claim letter to youit explains our investigation is incomplete as of this date as we have not been able to reach our insured to confirm the facts
of the lossBecause we have been unable to reach our insured to confirm the facts of the loss and there has not been full compliance with all terms of our insured’s policy are unable to consider your damages at this time
Kindly provide your claim number so that we may respond accordingly
Your selected repair facility must contact the appraiser directly for any and all supplement requests, not the adjuster
As per your discussion with adjuster R*** *** yesterday; The handling of this claim is being conducted under a Reservation of RightsBased on what we have learned to date and our review of policy number MNS30####9, we have determined that you may not have coverage for the claimWe are not denying the claim at this time but may deny the claim depending upon the outcome of our coverage investigationWe intend to investigate the facts and circumstances in connection with this claim
Complaint:
I am rejecting this response because: I still have the rental car due to delay from your companyI expect the remainder of my rental car to be paid otherwise I will be filling another complaintI will not accept response until my car is sitting in my driveway restored back to pre accident condition and I receive full refund for ALL of my out of pocket expensesBy the way, neither I or the body shop have received the supplemental/reimbursement checks.
Regards,
A*** ***
Our insured’s automobile insurance policy allows the Company to make payment to another party when the Company believes our insured was legally liable for those damages In this case, the Company has not been able to confirm the facts of the loss with our insuredThe Company does not know
that our insured was liable for your damages The Company is unable to provide coverage under our insured’s policy unless there has been full compliance with all terms of our insured’s policy, including our insured’s cooperation with our investigation Because for this loss there was not full compliance (our insured’s cooperation) with all terms of this policy, no coverage can be extended for the above referenced loss, at this time If the Company is unable to reach our insured we may not be able to extend any coverage for the above referenced loss The Company will continue its efforts to speak to our insured
Kindly provide your claim number so the Company will be able to respond accordingly
Our records show you policy has been cancelled and refund check# 505 was mailed on 4/13/in the amount of $
The Company regrets any difficulty you may have experienced trying to reach our adjusterOur best practice is to pick up our telephones each time they ringAlthough this is not always possible, it is our goalWhen our adjusters are engaged with another person’s claim they are sometimes unable to
pick up the phone when it ringsIn those cases, we rely on our voicemail system to record your request so we may return your call
Our payment for your total loss should be approved today July 11,
Dear Mr***,We understand your complaint and we ahve responded to your complaintWe understand there are some disagreementsAs you know we responded to your Revdex.com complaintWith the exception of the following, you have our response; “Then no one from Alliance has ever contacted me on this until 2/17”, you are correct, 02/24/is after this date, which was my error and I apologizeIn regards to storage; you in fact, failed to mitigate your damages and we cannot understand why you told us you did not know where your car was after you moved your vehicleThis is a failure to cooperate just as your refusal to provide your driver information was your failure to cooperateAt this point we intend to extend coverage for this lossYour most recent transmission states: “So, I did move the car from tow company to body shop”. Your body shop is charging you storageThis is a failure to mitigateWe understand your complaint and we ask that you cooperate with our investigation and processing of your claim as per your policy requirement found on page of your policy which states: OTHER DUTIESWe have no duty to provide coverage under this policy unless therehas been full compliance with all terms of this policy.A person claiming coverage under this policy must:cooperate with us in any matter concerning a claim or lawsuit;provide any written proof of loss we may reasonably require;allow us to take signed or recorded statements, includingstatements under oath, and answer all reasonable questionswe may ask, when and as often as we may reasonablyrequire;promptly send us any and all legal papers relating to anyclaim or lawsuit;attend hearings and trials as we require;take reasonable steps after a loss to protect the coveredvehicle or non-owned vehicle from further lossWe will payreasonable expenses incurred in providing that protectionIfyou fail to do so, any further damages will not be coveredunder this policy;allow us to inspect and appraise the damage to a coveredvehicle or non-owned vehicle before its repair or disposal;submit to medical examinations at our expense by doctorswe select as often as we may reasonably require;authorize us to obtain medical and other records;refuse to, except at your own expense, assume any obligationor incur any expense other than medical or surgical careimperative at the scene of the accident and at the time of
cident;allow us to extract samples and fluids from your coveredvehicle, including, but not limited to; engine oil andtransmission oil; andallow us to access and extract all dataKindly contact your adjuster Lynn Barnett at ###-###-#### Xwith your claim number G2***as she would like to discuss settlement of the total loss of your vehicle and your storage charges