We are in receipt of Ms***’s inquiry filed with your agency regarding Nationwide Auto policy***.Please be advised that Nationwide received and has responded to a Pennsylvania InsuranceDepartment complaint regarding this matterMs***’s cancellation was reversed and no lapsein
coverage occurredFor your review, I have enclosed a copy of our response letter to theDepartment dated October 7, 2016.On October 11, Auto Policy *** cancelled by request effective September 30, 2016.If you require further assistance, please do not hesitate to contact me.Sincerely,Cathy D***Customer Advocacy CoordinatorNationwide
In response to your request to address a complaint filed by 3rd Party Claimant *** ***, please be advised after attempts to reach Ms*** on Friday, July 29, I was able to speak with her today concerning her claimMs***’s concern stems from the estimate written by
Material Damage Associate Chris R***, which includes non new OEM partsMs*** explained use of these parts would void the manufacturer’s certification of her vehicleMs*** explained that ***, employee with *** *** *** *** informed her that the alternative parts would not fit properlyI explained to Ms*** that if the parts included on our estimate are not equivalent in fit, finish, quality, safety and performance we would adjust the estimate to include parts that would comply with these requirementsI advised we warranty these parts for the lifetime that she owns the vehicle, so long as they are purchased from the vendor listed on our estimateI explained if the parts do not fit we will inspect and replace as warrantedI also advised that based on the fact the shop has ordered the parts listed on our estimate (as told to me by Ms***) I will extend the rental for her until Friday, August 5, pending completion of repairsI also advised I would ask MrR*** to check in with shop throughout the week of August 1, to make sure repairs are being completed so Ms*** can receive her vehicle back as quickly as possibleI provided Ms*** with my direct cell number and nameWe ended the conversation with Ms*** voicing her satisfaction with my follow up.If you require further assistance, please contact our *** *** ***, Christine G***, at ###-###-#### or by email at ***Feel free to reach out to me at ###-###-#### if you have any questions or need further information.Respectfully,Pamela A***
Dear Mr***
This is the second response to your inquiry sent via the Revdex.com. Our decision has not changed.
Your son, ***, holds a Class C drivers license. This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, pounds. Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator
Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy
Sincerely,
it was okay when you changed the premium due to the error once again that you made but it can't go back to the amount that was owed before you guys "discovered" the error
Regards, *** ***
I have received Ms***’s response and would like to address her concerns Ms*** reached out to me directly last evening, and forwarded me numerous emails between her and the Nationwide claims adjusterI reviewed the emails and advised Ms*** then, and will reiterate it now, that Nationwide cannot compensate her or her son for pain and suffering until her insurance carrier, *** *** Insurance, pays the $threshold for medical billsIf that is done, pursuant to Kansas state statute, Nationwide can then make an offer for her and her son’s pain and sufferingWe contacted *** *** today, on December 6, 2016, and they confirmed they have not paid any bills for either Ms*** or her son, so we we are unable to make an offer to Ms*** at this time We apologize for any initial confusion regarding a settlement and payment of medical bills. However, as stated, we are unable to consider any injury settlement until the Kansas tort threshold has been met as per Kansas state statute. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
I’m sorry that I missed your call the other dayI was outside working, I tried to call you back, I wanted to let you know, I had sent my sister to the post office earlier to have the paperwork weighed and mailedI received another check for $(Ienclosed a copy) both checks totaling $1,That was one of the questions I wanted to ask you, I’m glad that the Revdex.com will keep my files for yearsI am continuing to search for more paperwork, because I would really like to know, whne all this charging startedI can’t help but feel that it had been going on longer than 2010, but Nationwide wouldn’t cooperate with me, so they will surely not volunteer any information, especially to help in my caseBecause I feel like if I hadn’t contacted the Revdex.com they would have continued with these chargesI guess that’s what upset me so, I was going to quietly let it go, but they just couldn’t, so it made me more determined to stand up to them and try to make it rightWhich leads up to the close of this letter.I really appreciate all the hard work that you Ms*** and the Dispute Resolution Team put forth in working on my case ###### against Nationwide, and as I continue to search hopefully I can find some closureAgain thanks for all that you’ve done.I’m sorry that it’s taken so long to get back in touch with you.Thanks again.Sincerely,Mary LM***
December 3,
*** ***
*** *** ***
*** *** *** ** *** ***
*** ***
***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** *** *** ***
*** ** ***
*** ** ***
Dear *** ***,
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for *** *** and to
address the concerns about the policy
On 9/26/*** *** *** contacted our service center
to add her son *** *** to her policy effective that date. She was provided a quoted premium increase
of $total, with each of her final installments increasing
$104.50. She was advised that her next
installments would draft for $on 10/12/and 11/10/2015. She accepted this quote and added *** to the
policy.
An issue arose when the Motor Vehicle Report was ordered for
*** as it was returned invalid, delaying the process of the driver addition
effective 9/26/until 10/22/2015. As
the 10/12/bill had been issued for $and that amount was paid on
10/12/2015, the final installment on 11/10/was increased the full $
and showed due for $
On 10/28/*** *** contacted our service center and
was advised of the delay in processing and premium increase reflecting on the
one installment instead of two. On
10/31/*** *** *** contacted our service center and requested the
removal of *** from the policy. Our
underwriting guidelines advise that all house hold members of legal driving age
are required to be rated on or excluded from the policy*** *** was
advised that we would not be able to remove *** from the policy without
proof he resided elsewhere.
*** *** requested his policy to be canceled effective
11/3/2015, which was processed on 11/9/2015.
An outstanding balance of $remains due
I trust that I have addressed the issues within the
complaint. If you require further assistance in this matter, please contact
our Customer Relations Coordinator, Charity W*** *** *** *** or by email
at ***
Sincerely,
Evan H***
SrAnalyst Customer
Resolution and Response
###-###-####
I have reviewed the follinquiry received from *** *** regarding his homeowners policyinsured with Depositors lnsurance CompanyHe is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr*** policy.December 30, New business effective date of the policy with our company and coverage bound by the agent.January 6, Billing statement generated to the insuredJanuary 11, Protection class of the policy was updated effective December 30, in order to properly rate the policy for the distance to the fire hydrantThis was done within the "discovery/underwriting period" of the policy.January 20, Exterior inspection was done by the Company vendorThis was the only inspection by the CompanyInspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, Due date of premium billed on January 6, $120.75January 31, Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the homeThis was done effective December 30, and processed within the "discovery/underwriting period" of the policy.February 4, Payment of $(due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, Next bill generated for $(reflected premium change due to the protection class and dwelling amount change). March 1, Due date of premium $The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr***'s policy were within this discovery/underwriting periodPer theemail provided by the insured in his inquiry, the agency advised Mr*** that any premiumbalance due or refund would be updated based on the March 1, cancellation datePremiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS*** at ###-###-#### or by email at ***Sincerely,Gale G*** *** *** ***
This letter is in response to the complaint filed by Mr*** over the collection balance and the Vanishing Deductible feature on the policy On December 21, Mr*** called to replace a *** pickup truck with a *** Soul effective December 20, At
the time the vehicle was added a billing statement for January was already sentNationwide does not increase installments after billing statements are sent so the *** Soul was not included in the billing amount until the February billing statement was issued. On December 22, Mr*** called in to inquire on Vanishing DeductibleIn the call he stated he just spoke with an Agent through Nationwide Sales and he was advised he did not have Vanishing DeductibleServicing advised him he did not but asked if he was interested in getting the Vanishing Deductible addedMr*** wanted Servicing to quote adding the Vanishing DeductibleMr*** had stated he wanted to make it available when he replaced the vehicle on his policy as he thought he had the coverage thenOnce Servicing quoted the amount and gave it to Mr*** he was upset that he was expected to pay for the backdatingServicing explained we would not be able to add the coverage without charging premiumMr*** did not want to pay the premium; the Vanishing Deductible feature was not added to the policy On January 4, Mr*** called in to inquire on Vanishing DeductibleHe wanted to verify that the Vanishing Deductible feature credit amount was set to $Servicing reviewed his policy and stated they did not see that he had the feature at allMr*** explained he thought he has had the feature since the policy has been written and asked her to review the call to get the Vanishing Deductible feature addedServicing agreed to send for a call pull to review and see if the coverage could be added back to the start of the policyServicing then advised Mr*** in order to backdate the addition of the Vanishing Deductible feature back to we would have to charge him the premium for that coverage back to November 4, Mr*** stated in the call that he didn’t want to pay for the prior four years and would like to have the coverage added effective December 22, when he replaced his vehicle Servicing added the coverage and advised Mr*** his deductible credit would be set at $and would reduce annually until it reached $and that the deductible credit could not be set at $at the time of adding the featureMr*** agreed to the change which resulted in an increase of $and added the Vanishing Deductible effective December 22, On January 11, a Declaration page was sent to Mr*** indicating that the Vanishing Deductible had been addedOn the Declaration page it indicates that Vanishing Deductible feature credit amount was set to $In addition to the Declaration page a billing statement was sent indicating an amount due of $was due for the Auto policy by February 4, This was the first billing cycle in which Nationwide had billed out for the *** that was added December 22, Nationwide does not increase bills due to a change and at the time the *** was added a bill for January had already been sent On February 8, Mr*** called in and request canceled his Auto policy effective February 10, A confirmation e-mail was sent to Mr*** indicating the Auto policy was canceled effective February 10, The collection amount is premium due for the *** Soul which had not yet been collected due to Nationwide not having time to bill out for the added vehicle until JanuaryIf Mr*** can provide proof of coverage before the February 10, cancel date on the policy, the date can be adjusted to reflect the correct cancel date In summary, the amount of $is valid based on the premium due for the vehicle that had not yet been collected and the Vanishing Deductible feature that the Mr*** agreed to add If you require further assistance, please contact, *** ***, at ###-###-#### or by email at *** Sincerely, *** *** SrAnalyst
Mike M*** contacted Ms***'s agent Scot E*** to do a way call with Ms***Scott and Ms*** spoke about the problems she has had, and Ms*** has now decided to stay with her current agent
Please accept this letter in response to Mr***’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contractI hope you’ll find this information helpful inaddressing his concerns.Policy detailsComplainant: *** ***Owner: ***
***Policy number: ***NAIC code: 66869Complaint Number: ***What we foundI have enclosed the withdrawal form submitted by *** *** onJuly 27, at 2:p.mWe processed this on the same day of July27, in the gross amount of $44,667.70.Mr*** incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.We did listen to the calls referenced in the complaint on July 27, at9:a.mand 1:p.mOn the 9:a.mcall, we stated Mr***would get the market value as of close that day if we receive thewithdrawal form by 4:pm EasternOn the call at 1:p.m., Mr.*** did state he would get $45,minus $in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.Unfortunately we can’t honor Mr***’s request to compensate himfor the market value difference between July 26, and July 27, 2015in the amount of $since we processed this transaction correctlyIf you have any further questions or concerns, please feel free to contact ErinM*** via telephone at ###-###-####, option *, extension *** or viaemail at ***Sincerely,Robert W*** ***
To Whom It May Concern:Thank you for your recent inquiry regarding a Revdex.com complaint received from *** ***As Material Damage Claims Manager I have reviewed this claim file and would like to address the issues involving this Texas claim.Initially it should be noted that as is our insured, Mr
*** is a resident of TexasAdditionally, the motor vehicle accident that gave rise to the claim of Mr*** occurred in Grapevine, TexasAt the time of the accident, Mr*** was operating a motor vehicle he leased from *** Leasing of Dallas, TexasThe Colonial County Mutual Insurance Company (Nationwide) paid for the repairs to the leased vehicleThe parties have not been able to resolve any diminished value claim for the leased vehicle.Nationwide acknowledges that the leased vehicle likely suffered diminished value as a result of the aforesaid accidentWhile Mr*** is not the owner of the leased vehicle, *** Leasing granted him permission to resolve any diminished value claimBased upon our investigation into the diminished value claim the leased vehicle suffered diminished value in the amount of $On August 3, Nationwide issued payment in the amount of $for undisputed diminished value to *** Leasing which it acceptedMr*** disputes this amountMr*** has since traded the vehicle and is seeking the variance from the paid trade in amount he negotiatedHis settlement demand is an additional $2000.00.Under Texas law the burden of proving any diminution of value to the leased value rests with its owner, *** Leasing, or in this case, Mr*** because of the assignment *** Leasing gave to himIt is the position of Nationwide that Mr*** has not satisfactorily supported his demand for additional compensation through proper documentationBecause he is not the owner of the vehicle and is attempting to negotiate on behalf of the owner of the vehicle, he is unable to provide us with the necessary documentation only an owner can provideUnless and until Mr*** provides sufficient documentation to support his claim for additional compensation, it is Nationwide’s position that he has not sustained his burden of proofConsequently, at this time Nationwide maintains that it has paid the proper compensation for the diminished value of the vehicle.If you have any additional questions please do not hesitate to contact me
Dear *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number *** for Ms*** *** and to address her concerns about the policy
On 02/24/2015, Ms***
purchased a six month insurance policy with a bill plan of 20% down and installments with an electronic funds transfer (EFT) automatic withdrawal.
On 02/26/2015, an underwriting memo was issued to Ms*** requesting her Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage selection form be signed and returnedThe memo stated that if the forms were not received coverage would be added to the policy
On 04/06/2015, no UM/UIM forms were received, stacked UM/UIM coverage was added and Ms***’s premium increased $Ms***’s installment payments increased from $to $to reflect the change in coverage
On 05/20/2015, Ms*** contacted the service center to inquire as to the reason her premium increased and was informed that we never received her signed UM/UIM formsThe service center associate erroneously stated that the forms were recently received but had not been processed yetMs*** had requested to stop her EFT withdrawals as she was considered cancelling her policyThe service center associate should have informed Ms*** that the forms were received but were not valid as she had signed in conflicting sections, opting to elect and reject the coverage The UM/UIM forms would need to be correctly signed in order to remove the stacked UM/UIM coverage
On 06/02/2015, Ms***’s policy cancelled for non-payment as her 05/27/installment bill was not paid and her EFT withdrawals had been stopped at her request
On 06/05/2015, Ms*** contacted the service center to discuss the billing on her policyShe was advised that her policy had cancelled on 06/02/due to non-payment and that she could reinstate the policy no lapse in coverage with a verbal statement of no loss and a payment in the amount of $The reinstatement amount included the premium for the 05/27/installment as well as a $reinstatement feeMs*** declined to make the payment
We are happy to assist Ms*** reinstate her policy without the lapse in coverage but would need to collect the payment of $Once the policy is reinstated, Ms*** can submit new UM/UIM forms that are properly completed and her future installments would decrease to reflect the removal of coverage
I trust that I have addressed the issues within Ms***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
Thank
you for the opportunity to respond to the Revdex.com regarding
policy number *** for *** *** and to address her concerns about the
policy
On
10/28/2015, Ms*** purchased a six month personal auto insurance policy
from the ***
Insurance Agency with a bill plan of 16.7% down and
installments with an Electronic Funds Transfer (EFT) auto draft
The
*** Insurance Agency advises that they wrote policy believing that
there was months of prior insurance through *** Insurance Company, when
in actuality Ms*** was only insured with *** Insurance Company for
month. Ms***’ policy was placed
into a policy tier that provided a rate based on months prior insurance
through another carrier. Proof of the
prior insurance was requested with the application. On 11/3/a separate letter was sent
requesting proof of an associated policy to maintain a discount that was also
provided on the policy by the agency during the quote
On
12/1/2015, proof of the prior insurance and proof of the associated policy had
not been received and the policy tier was changed causing a term premium
increase of $2593.00. A declarations
page and EFT payment schedule were sent
On
12/7/2015, our service center received a call from June at the ***
Insurance Agency. She called to question
the premium increase and was advised of the need for the proof of prior
insurance and proof of the associated policy.
June
advised the service center that, prior to her coverage with *** Insurance
Company, Ms*** had a prior policy with our companyOur service center
confirmed with her that, in order to qualify for the Prior Insurance Discount,
per the underwriting rules filed with and approved by the Insurance Division,
the discount is only available when the policyholder was insured with another
carrier for the preceding months
On
12/9/2015, our service center received a call from Ms***. She was also advised of the lack of prior
insurance proof. At this time she
requested to stop any future EFT drafts and was advised of her pending
cancellation on 12/22/
On
12/10/2015, a cancellation notice of payment due was sent advising of the
pending cancellation on 12/22/2015. On
12/22/2015, the EFT draft had not been reactivated, additional payment had not
been received and the policy cancelled per the 12/10/notice. Once cancelled an $outstanding balance
of extended premium remained due
On
3/14/2016, payment was accepted for $720.43, bringing the policy balance due to
$
If you
require further assistance in this matter, please contact our *** *** ***, Charity W*** ###-###-#### or by
email at ***
Sincerely,
Evan
H***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI was informed via email on March 27th that my claim was reprocessed and that I would be receiving the reimbursements as indicated It is unfortunate that it took more than two months to resolve this issue with a lot of time invested and much aggravation but I appreciate that it has been resolved and thank the Revdex.com for acting so quickly on my behalf I look forward to receiving my reimbursement checks soon as I have been out of pocket for this expense for some time now
I did not walk in to *** *** *** *** *** on June 30th I did not receive any email from nationwide that was dated July 1st The lien holder, *** *** Dealer Services, for the Honda Civic LX does not have proof of insurance for June 30th to August 18th with policy number *** ***I never received a new business policy packet that included the declarations of an insurance policy for the Honda Civic LXI never received an amendment policy stating that a multi-policy discount was removed from my policyI did not authorize *** *** *** *** *** or Nationwide insurance company to draft funds from my bank accountI did not received a letter stating that I signed up for recurring electronic fund transfer from my bank account or when my first payment was going to be draftedI did not understand the service representatives that I spoke to on August 29th and September 5th and were unable to resolve my issueI did not receive any email from a customer service representative to my email
MsRosalyn M*** called Ms*** *** and explained to her that we do not transfer policies from other agentsMsM***o apologized for the delayed response and expressed her apologies
This letter is in response to your inquiry and the complaint filed by *** ***. In his letter, Mr*** stated that his claim was incorrectly denied and is seeking reimbursement for $in damages sustained. I have reviewed the loss and respond accordingly*** *** *** is
insured with Titan Insurance, a Nationwide company. An employee for *** *** *** was operating a commercial cement truck and Mr*** was operating a Dodge Caravan, owned by *** Rental, at the time of lossMr*** advised that the loss occurred while both vehicles were traveling on highway in Humble, TX on or about July 30, Mr*** stated stone and debris came from our insured’s vehicle and struck his windshield, resulting in damage*** *** *** has denied involvement in the lossMr*** obtained information for *** *** *** off of the truck. Our insured was not notified at the time of loss or stopped at the scene of loss. Although Mr*** contacted local authorities, they did not respond and a report was not filed at the scene*** *** *** was contacted by phone and letter by Mr*** after the alleged incident. There was no other independent witness or way to verify that our insured was involved in the loss or legally liable for an unsecured load. In addition, there was no way to confirm if Mr***’s damages were sustained due to road hazardThe first notification of the loss was reported to Titan Insurance, a Nationwide company, on November 19, The liability decision was finalized and communicated on November 30, 2016. Mr*** was advised of the liability decision verbally and in writingOur obligation is to pay only claims for which our insured is legally liable forBased on the information we obtained, there was not independent evidence to show that *** *** *** was involved in this incident or that they were liable for damages sustained to Mr***’s rental vehicle. Based on this, we respectfully denied liability for any an all claims. Should Mr*** provide additional information not already considered, we can review our decisionIf you require further assistance in this matter, please contact our Customer Advocacy Coordinator, Charity W*** *** *** *** or by email at ***@nationwide.comSincerely,Todd G***
This letter is in response to the concerns filed by *** *** regarding the collection amount owed on his Nationwide Auto policy after cancellation.On October 8, 2015, the previous Nationwide Auto policy *** was cancelled as a transfer, and was replaced by the Auto policy ***
This occurred because the former policy was written under Nationwide Mutual Insurance Company, which was discontinued in the state of IllinoisAll policies written under Nationwide Mutual were being transferred over at their renewal to Nationwide Insurance Company of AmericaOn September 30, 2015, the new policy renewal declaration was mailed to Mr***, informing of the change in his premium at the October 8, renewal (attached)On October 21, 2015, Mr*** contacted the Service Center to request cancellation of the policyA cancellation request form was mailed per Mr***’s request.On November 6, 2015, as neither a payment or the cancellation request form was received from Mr***, a Notice of Cancellation was mailed (attached)This notice stated that payment must be received by November 18, to maintain the policyOn November 19, 2015, the policy was cancelled for non paymentOn November 24, 2015, a final bill was issued in the amount of $107.30, which was due by December 13, (attached)As that final bill went unpaid, on January 12, 2016, that amount was sent to the collections company CCS.On February 5, 2016, Nationwide received proof of other coverage for Mr*** which began on October 22, (attached)The cancellation date was adjusted to October 22, 2015, resulting in a credit of $to be applied to the remaining balanceThere is still a remaining balance of $for the coverage between October 8, and the cancellation date of October 22, As coverage was provided by Nationwide for this period, the premium for that time is still due.If anything additional is needed, please contact Sharon W*** at ***@nationwide.com or via phone at ###-###-####.Sincerely,
Please allow this letter to serve as a response to the above captioned Revdex.com complaint filed by Mr*** ***Mr*** *** states that Nationwide Insurance paid to repair the left doors and quarter panel of his vehicle instead of replacing these parts.The left doors and
quarter panel were deemed repairable by Mr*** ***, a New York State licensed adjuster, during the time of inspectionUpon review, any licensed repair facility would be able to repair Mr*** ***'s vehicle without any issueReplacing these parts would reflect a repair methodology that goes beyond what is needed to restore the vehicle to pre-accident conditionHowever, an inspection will also take place by Mr*** ***'s repair facility prior to repairIf any additional damages are discovered, Nationwide Insurance will be contacted by the repair facility in order to conduct a supplemental inspection and address the damages accordingly.If you require further assistance, please contact our *** *** ***, Jose L***, at ###-###-#### or by email at ***.Sincerely,Alan S***
We are in receipt of Ms***’s inquiry filed with your agency regarding Nationwide Auto policy***.Please be advised that Nationwide received and has responded to a Pennsylvania InsuranceDepartment complaint regarding this matterMs***’s cancellation was reversed and no lapsein
coverage occurredFor your review, I have enclosed a copy of our response letter to theDepartment dated October 7, 2016.On October 11, Auto Policy *** cancelled by request effective September 30, 2016.If you require further assistance, please do not hesitate to contact me.Sincerely,Cathy D***Customer Advocacy CoordinatorNationwide
In response to your request to address a complaint filed by 3rd Party Claimant *** ***, please be advised after attempts to reach Ms*** on Friday, July 29, I was able to speak with her today concerning her claimMs***’s concern stems from the estimate written by
Material Damage Associate Chris R***, which includes non new OEM partsMs*** explained use of these parts would void the manufacturer’s certification of her vehicleMs*** explained that ***, employee with *** *** *** *** informed her that the alternative parts would not fit properlyI explained to Ms*** that if the parts included on our estimate are not equivalent in fit, finish, quality, safety and performance we would adjust the estimate to include parts that would comply with these requirementsI advised we warranty these parts for the lifetime that she owns the vehicle, so long as they are purchased from the vendor listed on our estimateI explained if the parts do not fit we will inspect and replace as warrantedI also advised that based on the fact the shop has ordered the parts listed on our estimate (as told to me by Ms***) I will extend the rental for her until Friday, August 5, pending completion of repairsI also advised I would ask MrR*** to check in with shop throughout the week of August 1, to make sure repairs are being completed so Ms*** can receive her vehicle back as quickly as possibleI provided Ms*** with my direct cell number and nameWe ended the conversation with Ms*** voicing her satisfaction with my follow up.If you require further assistance, please contact our *** *** ***, Christine G***, at ###-###-#### or by email at ***Feel free to reach out to me at ###-###-#### if you have any questions or need further information.Respectfully,Pamela A***
Dear Mr***
This is the second response to your inquiry sent via the Revdex.com. Our decision has not changed.
Your son, ***, holds a Class C drivers license. This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, pounds. Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator
Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy
Sincerely,
it was okay when you changed the premium due to the error once again that you made but it can't go back to the amount that was owed before you guys "discovered" the error
Regards, *** ***
I have received Ms***’s response and would like to address her concerns Ms*** reached out to me directly last evening, and forwarded me numerous emails between her and the Nationwide claims adjusterI reviewed the emails and advised Ms*** then, and will reiterate it now, that Nationwide cannot compensate her or her son for pain and suffering until her insurance carrier, *** *** Insurance, pays the $threshold for medical billsIf that is done, pursuant to Kansas state statute, Nationwide can then make an offer for her and her son’s pain and sufferingWe contacted *** *** today, on December 6, 2016, and they confirmed they have not paid any bills for either Ms*** or her son, so we we are unable to make an offer to Ms*** at this time We apologize for any initial confusion regarding a settlement and payment of medical bills. However, as stated, we are unable to consider any injury settlement until the Kansas tort threshold has been met as per Kansas state statute. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
I’m sorry that I missed your call the other dayI was outside working, I tried to call you back, I wanted to let you know, I had sent my sister to the post office earlier to have the paperwork weighed and mailedI received another check for $(Ienclosed a copy) both checks totaling $1,That was one of the questions I wanted to ask you, I’m glad that the Revdex.com will keep my files for yearsI am continuing to search for more paperwork, because I would really like to know, whne all this charging startedI can’t help but feel that it had been going on longer than 2010, but Nationwide wouldn’t cooperate with me, so they will surely not volunteer any information, especially to help in my caseBecause I feel like if I hadn’t contacted the Revdex.com they would have continued with these chargesI guess that’s what upset me so, I was going to quietly let it go, but they just couldn’t, so it made me more determined to stand up to them and try to make it rightWhich leads up to the close of this letter.I really appreciate all the hard work that you Ms*** and the Dispute Resolution Team put forth in working on my case ###### against Nationwide, and as I continue to search hopefully I can find some closureAgain thanks for all that you’ve done.I’m sorry that it’s taken so long to get back in touch with you.Thanks again.Sincerely,Mary LM***
December 3,
*** ***
*** *** ***
*** *** *** ** *** ***
*** ***
***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** *** *** ***
*** ** ***
*** ** ***
Dear *** ***,
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for *** *** and to
address the concerns about the policy
On 9/26/*** *** *** contacted our service center
to add her son *** *** to her policy effective that date. She was provided a quoted premium increase
of $total, with each of her final installments increasing
$104.50. She was advised that her next
installments would draft for $on 10/12/and 11/10/2015. She accepted this quote and added *** to the
policy.
An issue arose when the Motor Vehicle Report was ordered for
*** as it was returned invalid, delaying the process of the driver addition
effective 9/26/until 10/22/2015. As
the 10/12/bill had been issued for $and that amount was paid on
10/12/2015, the final installment on 11/10/was increased the full $
and showed due for $
On 10/28/*** *** contacted our service center and
was advised of the delay in processing and premium increase reflecting on the
one installment instead of two. On
10/31/*** *** *** contacted our service center and requested the
removal of *** from the policy. Our
underwriting guidelines advise that all house hold members of legal driving age
are required to be rated on or excluded from the policy*** *** was
advised that we would not be able to remove *** from the policy without
proof he resided elsewhere.
*** *** requested his policy to be canceled effective
11/3/2015, which was processed on 11/9/2015.
An outstanding balance of $remains due
I trust that I have addressed the issues within the
complaint. If you require further assistance in this matter, please contact
our Customer Relations Coordinator, Charity W*** *** *** *** or by email
at ***
Sincerely,
Evan H***
SrAnalyst Customer
Resolution and Response
###-###-####
I have reviewed the follinquiry received from *** *** regarding his homeowners policyinsured with Depositors lnsurance CompanyHe is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr*** policy.December 30, New business effective date of the policy with our company and coverage bound by the agent.January 6, Billing statement generated to the insuredJanuary 11, Protection class of the policy was updated effective December 30, in order to properly rate the policy for the distance to the fire hydrantThis was done within the "discovery/underwriting period" of the policy.January 20, Exterior inspection was done by the Company vendorThis was the only inspection by the CompanyInspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, Due date of premium billed on January 6, $120.75January 31, Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the homeThis was done effective December 30, and processed within the "discovery/underwriting period" of the policy.February 4, Payment of $(due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, Next bill generated for $(reflected premium change due to the protection class and dwelling amount change). March 1, Due date of premium $The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr***'s policy were within this discovery/underwriting periodPer theemail provided by the insured in his inquiry, the agency advised Mr*** that any premiumbalance due or refund would be updated based on the March 1, cancellation datePremiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS*** at ###-###-#### or by email at ***Sincerely,Gale G*** *** *** ***
This letter is in response to the complaint filed by Mr*** over the collection balance and the Vanishing Deductible feature on the policy On December 21, Mr*** called to replace a *** pickup truck with a *** Soul effective December 20, At
the time the vehicle was added a billing statement for January was already sentNationwide does not increase installments after billing statements are sent so the *** Soul was not included in the billing amount until the February billing statement was issued. On December 22, Mr*** called in to inquire on Vanishing DeductibleIn the call he stated he just spoke with an Agent through Nationwide Sales and he was advised he did not have Vanishing DeductibleServicing advised him he did not but asked if he was interested in getting the Vanishing Deductible addedMr*** wanted Servicing to quote adding the Vanishing DeductibleMr*** had stated he wanted to make it available when he replaced the vehicle on his policy as he thought he had the coverage thenOnce Servicing quoted the amount and gave it to Mr*** he was upset that he was expected to pay for the backdatingServicing explained we would not be able to add the coverage without charging premiumMr*** did not want to pay the premium; the Vanishing Deductible feature was not added to the policy On January 4, Mr*** called in to inquire on Vanishing DeductibleHe wanted to verify that the Vanishing Deductible feature credit amount was set to $Servicing reviewed his policy and stated they did not see that he had the feature at allMr*** explained he thought he has had the feature since the policy has been written and asked her to review the call to get the Vanishing Deductible feature addedServicing agreed to send for a call pull to review and see if the coverage could be added back to the start of the policyServicing then advised Mr*** in order to backdate the addition of the Vanishing Deductible feature back to we would have to charge him the premium for that coverage back to November 4, Mr*** stated in the call that he didn’t want to pay for the prior four years and would like to have the coverage added effective December 22, when he replaced his vehicle Servicing added the coverage and advised Mr*** his deductible credit would be set at $and would reduce annually until it reached $and that the deductible credit could not be set at $at the time of adding the featureMr*** agreed to the change which resulted in an increase of $and added the Vanishing Deductible effective December 22, On January 11, a Declaration page was sent to Mr*** indicating that the Vanishing Deductible had been addedOn the Declaration page it indicates that Vanishing Deductible feature credit amount was set to $In addition to the Declaration page a billing statement was sent indicating an amount due of $was due for the Auto policy by February 4, This was the first billing cycle in which Nationwide had billed out for the *** that was added December 22, Nationwide does not increase bills due to a change and at the time the *** was added a bill for January had already been sent On February 8, Mr*** called in and request canceled his Auto policy effective February 10, A confirmation e-mail was sent to Mr*** indicating the Auto policy was canceled effective February 10, The collection amount is premium due for the *** Soul which had not yet been collected due to Nationwide not having time to bill out for the added vehicle until JanuaryIf Mr*** can provide proof of coverage before the February 10, cancel date on the policy, the date can be adjusted to reflect the correct cancel date In summary, the amount of $is valid based on the premium due for the vehicle that had not yet been collected and the Vanishing Deductible feature that the Mr*** agreed to add If you require further assistance, please contact, *** ***, at ###-###-#### or by email at *** Sincerely, *** *** SrAnalyst
Mike M*** contacted Ms***'s agent Scot E*** to do a way call with Ms***Scott and Ms*** spoke about the problems she has had, and Ms*** has now decided to stay with her current agent
Please accept this letter in response to Mr***’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contractI hope you’ll find this information helpful inaddressing his concerns.Policy detailsComplainant: *** ***Owner: ***
***Policy number: ***NAIC code: 66869Complaint Number: ***What we foundI have enclosed the withdrawal form submitted by *** *** onJuly 27, at 2:p.mWe processed this on the same day of July27, in the gross amount of $44,667.70.Mr*** incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.We did listen to the calls referenced in the complaint on July 27, at9:a.mand 1:p.mOn the 9:a.mcall, we stated Mr***would get the market value as of close that day if we receive thewithdrawal form by 4:pm EasternOn the call at 1:p.m., Mr.*** did state he would get $45,minus $in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.Unfortunately we can’t honor Mr***’s request to compensate himfor the market value difference between July 26, and July 27, 2015in the amount of $since we processed this transaction correctlyIf you have any further questions or concerns, please feel free to contact ErinM*** via telephone at ###-###-####, option *, extension *** or viaemail at ***Sincerely,Robert W*** ***
To Whom It May Concern:Thank you for your recent inquiry regarding a Revdex.com complaint received from *** ***As Material Damage Claims Manager I have reviewed this claim file and would like to address the issues involving this Texas claim.Initially it should be noted that as is our insured, Mr
*** is a resident of TexasAdditionally, the motor vehicle accident that gave rise to the claim of Mr*** occurred in Grapevine, TexasAt the time of the accident, Mr*** was operating a motor vehicle he leased from *** Leasing of Dallas, TexasThe Colonial County Mutual Insurance Company (Nationwide) paid for the repairs to the leased vehicleThe parties have not been able to resolve any diminished value claim for the leased vehicle.Nationwide acknowledges that the leased vehicle likely suffered diminished value as a result of the aforesaid accidentWhile Mr*** is not the owner of the leased vehicle, *** Leasing granted him permission to resolve any diminished value claimBased upon our investigation into the diminished value claim the leased vehicle suffered diminished value in the amount of $On August 3, Nationwide issued payment in the amount of $for undisputed diminished value to *** Leasing which it acceptedMr*** disputes this amountMr*** has since traded the vehicle and is seeking the variance from the paid trade in amount he negotiatedHis settlement demand is an additional $2000.00.Under Texas law the burden of proving any diminution of value to the leased value rests with its owner, *** Leasing, or in this case, Mr*** because of the assignment *** Leasing gave to himIt is the position of Nationwide that Mr*** has not satisfactorily supported his demand for additional compensation through proper documentationBecause he is not the owner of the vehicle and is attempting to negotiate on behalf of the owner of the vehicle, he is unable to provide us with the necessary documentation only an owner can provideUnless and until Mr*** provides sufficient documentation to support his claim for additional compensation, it is Nationwide’s position that he has not sustained his burden of proofConsequently, at this time Nationwide maintains that it has paid the proper compensation for the diminished value of the vehicle.If you have any additional questions please do not hesitate to contact me
Dear *** ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number *** for Ms*** *** and to address her concerns about the policy
On 02/24/2015, Ms***
purchased a six month insurance policy with a bill plan of 20% down and installments with an electronic funds transfer (EFT) automatic withdrawal.
On 02/26/2015, an underwriting memo was issued to Ms*** requesting her Uninsured Motorist/Underinsured Motorist (UM/UIM) Coverage selection form be signed and returnedThe memo stated that if the forms were not received coverage would be added to the policy
On 04/06/2015, no UM/UIM forms were received, stacked UM/UIM coverage was added and Ms***’s premium increased $Ms***’s installment payments increased from $to $to reflect the change in coverage
On 05/20/2015, Ms*** contacted the service center to inquire as to the reason her premium increased and was informed that we never received her signed UM/UIM formsThe service center associate erroneously stated that the forms were recently received but had not been processed yetMs*** had requested to stop her EFT withdrawals as she was considered cancelling her policyThe service center associate should have informed Ms*** that the forms were received but were not valid as she had signed in conflicting sections, opting to elect and reject the coverage The UM/UIM forms would need to be correctly signed in order to remove the stacked UM/UIM coverage
On 06/02/2015, Ms***’s policy cancelled for non-payment as her 05/27/installment bill was not paid and her EFT withdrawals had been stopped at her request
On 06/05/2015, Ms*** contacted the service center to discuss the billing on her policyShe was advised that her policy had cancelled on 06/02/due to non-payment and that she could reinstate the policy no lapse in coverage with a verbal statement of no loss and a payment in the amount of $The reinstatement amount included the premium for the 05/27/installment as well as a $reinstatement feeMs*** declined to make the payment
We are happy to assist Ms*** reinstate her policy without the lapse in coverage but would need to collect the payment of $Once the policy is reinstated, Ms*** can submit new UM/UIM forms that are properly completed and her future installments would decrease to reflect the removal of coverage
I trust that I have addressed the issues within Ms***’s complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
Thank
you for the opportunity to respond to the Revdex.com regarding
policy number *** for *** *** and to address her concerns about the
policy
On
10/28/2015, Ms*** purchased a six month personal auto insurance policy
from the ***
Insurance Agency with a bill plan of 16.7% down and
installments with an Electronic Funds Transfer (EFT) auto draft
The
*** Insurance Agency advises that they wrote policy believing that
there was months of prior insurance through *** Insurance Company, when
in actuality Ms*** was only insured with *** Insurance Company for
month. Ms***’ policy was placed
into a policy tier that provided a rate based on months prior insurance
through another carrier. Proof of the
prior insurance was requested with the application. On 11/3/a separate letter was sent
requesting proof of an associated policy to maintain a discount that was also
provided on the policy by the agency during the quote
On
12/1/2015, proof of the prior insurance and proof of the associated policy had
not been received and the policy tier was changed causing a term premium
increase of $2593.00. A declarations
page and EFT payment schedule were sent
On
12/7/2015, our service center received a call from June at the ***
Insurance Agency. She called to question
the premium increase and was advised of the need for the proof of prior
insurance and proof of the associated policy.
June
advised the service center that, prior to her coverage with *** Insurance
Company, Ms*** had a prior policy with our companyOur service center
confirmed with her that, in order to qualify for the Prior Insurance Discount,
per the underwriting rules filed with and approved by the Insurance Division,
the discount is only available when the policyholder was insured with another
carrier for the preceding months
On
12/9/2015, our service center received a call from Ms***. She was also advised of the lack of prior
insurance proof. At this time she
requested to stop any future EFT drafts and was advised of her pending
cancellation on 12/22/
On
12/10/2015, a cancellation notice of payment due was sent advising of the
pending cancellation on 12/22/2015. On
12/22/2015, the EFT draft had not been reactivated, additional payment had not
been received and the policy cancelled per the 12/10/notice. Once cancelled an $outstanding balance
of extended premium remained due
On
3/14/2016, payment was accepted for $720.43, bringing the policy balance due to
$
If you
require further assistance in this matter, please contact our *** *** ***, Charity W*** ###-###-#### or by
email at ***
Sincerely,
Evan
H***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI was informed via email on March 27th that my claim was reprocessed and that I would be receiving the reimbursements as indicated It is unfortunate that it took more than two months to resolve this issue with a lot of time invested and much aggravation but I appreciate that it has been resolved and thank the Revdex.com for acting so quickly on my behalf I look forward to receiving my reimbursement checks soon as I have been out of pocket for this expense for some time now
I did not walk in to *** *** *** *** *** on June 30th I did not receive any email from nationwide that was dated July 1st The lien holder, *** *** Dealer Services, for the Honda Civic LX does not have proof of insurance for June 30th to August 18th with policy number *** ***I never received a new business policy packet that included the declarations of an insurance policy for the Honda Civic LXI never received an amendment policy stating that a multi-policy discount was removed from my policyI did not authorize *** *** *** *** *** or Nationwide insurance company to draft funds from my bank accountI did not received a letter stating that I signed up for recurring electronic fund transfer from my bank account or when my first payment was going to be draftedI did not understand the service representatives that I spoke to on August 29th and September 5th and were unable to resolve my issueI did not receive any email from a customer service representative to my email
MsRosalyn M*** called Ms*** *** and explained to her that we do not transfer policies from other agentsMsM***o apologized for the delayed response and expressed her apologies
This letter is in response to your inquiry and the complaint filed by *** ***. In his letter, Mr*** stated that his claim was incorrectly denied and is seeking reimbursement for $in damages sustained. I have reviewed the loss and respond accordingly*** *** *** is
insured with Titan Insurance, a Nationwide company. An employee for *** *** *** was operating a commercial cement truck and Mr*** was operating a Dodge Caravan, owned by *** Rental, at the time of lossMr*** advised that the loss occurred while both vehicles were traveling on highway in Humble, TX on or about July 30, Mr*** stated stone and debris came from our insured’s vehicle and struck his windshield, resulting in damage*** *** *** has denied involvement in the lossMr*** obtained information for *** *** *** off of the truck. Our insured was not notified at the time of loss or stopped at the scene of loss. Although Mr*** contacted local authorities, they did not respond and a report was not filed at the scene*** *** *** was contacted by phone and letter by Mr*** after the alleged incident. There was no other independent witness or way to verify that our insured was involved in the loss or legally liable for an unsecured load. In addition, there was no way to confirm if Mr***’s damages were sustained due to road hazardThe first notification of the loss was reported to Titan Insurance, a Nationwide company, on November 19, The liability decision was finalized and communicated on November 30, 2016. Mr*** was advised of the liability decision verbally and in writingOur obligation is to pay only claims for which our insured is legally liable forBased on the information we obtained, there was not independent evidence to show that *** *** *** was involved in this incident or that they were liable for damages sustained to Mr***’s rental vehicle. Based on this, we respectfully denied liability for any an all claims. Should Mr*** provide additional information not already considered, we can review our decisionIf you require further assistance in this matter, please contact our Customer Advocacy Coordinator, Charity W*** *** *** *** or by email at ***@nationwide.comSincerely,Todd G***
This letter is in response to the concerns filed by *** *** regarding the collection amount owed on his Nationwide Auto policy after cancellation.On October 8, 2015, the previous Nationwide Auto policy *** was cancelled as a transfer, and was replaced by the Auto policy ***
This occurred because the former policy was written under Nationwide Mutual Insurance Company, which was discontinued in the state of IllinoisAll policies written under Nationwide Mutual were being transferred over at their renewal to Nationwide Insurance Company of AmericaOn September 30, 2015, the new policy renewal declaration was mailed to Mr***, informing of the change in his premium at the October 8, renewal (attached)On October 21, 2015, Mr*** contacted the Service Center to request cancellation of the policyA cancellation request form was mailed per Mr***’s request.On November 6, 2015, as neither a payment or the cancellation request form was received from Mr***, a Notice of Cancellation was mailed (attached)This notice stated that payment must be received by November 18, to maintain the policyOn November 19, 2015, the policy was cancelled for non paymentOn November 24, 2015, a final bill was issued in the amount of $107.30, which was due by December 13, (attached)As that final bill went unpaid, on January 12, 2016, that amount was sent to the collections company CCS.On February 5, 2016, Nationwide received proof of other coverage for Mr*** which began on October 22, (attached)The cancellation date was adjusted to October 22, 2015, resulting in a credit of $to be applied to the remaining balanceThere is still a remaining balance of $for the coverage between October 8, and the cancellation date of October 22, As coverage was provided by Nationwide for this period, the premium for that time is still due.If anything additional is needed, please contact Sharon W*** at ***@nationwide.com or via phone at ###-###-####.Sincerely,
Please allow this letter to serve as a response to the above captioned Revdex.com complaint filed by Mr*** ***Mr*** *** states that Nationwide Insurance paid to repair the left doors and quarter panel of his vehicle instead of replacing these parts.The left doors and
quarter panel were deemed repairable by Mr*** ***, a New York State licensed adjuster, during the time of inspectionUpon review, any licensed repair facility would be able to repair Mr*** ***'s vehicle without any issueReplacing these parts would reflect a repair methodology that goes beyond what is needed to restore the vehicle to pre-accident conditionHowever, an inspection will also take place by Mr*** ***'s repair facility prior to repairIf any additional damages are discovered, Nationwide Insurance will be contacted by the repair facility in order to conduct a supplemental inspection and address the damages accordingly.If you require further assistance, please contact our *** *** ***, Jose L***, at ###-###-#### or by email at ***.Sincerely,Alan S***