ComplaintsforPearl Holding Group, Inc.

• Initial Complaint

  10/04/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  08/23/21 I got rear ended by another driver at a red light. I filed a claim with Pearl holding group the same day. The other driver had insurance (Geico) and because there were three other cars involved I had to go through my insurance 09/16/21, was when I was informed by my lawyer(Fasig Brooks). My car has been sitting at DJ's Collison on Mcduff for a month. The first Esitmate/Supplment was sent on 09/08/21 and was approved by "Pearl" and the collision place sent a second one and it was confirmed received and now they are saying they have not received it and the adjuster not even the supervisor will call me back from Pearl holding group it's been almost two weeks. Every time I call to get somebody on the phone, they are very rude and unprofessional. It takes 20 mins to get a Claims person on the phone and it be the same person. I am a student and work just like them, I have been inconvenienced by this company and I've been with them for 4 years. I want my Car fixed!

  Business response

  10/20/2021

  Business Response /* (1000, 5, 2021/10/04) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: October 4, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : SXXXXXXX-XX-XXXX COLL Our Insured Name : ****** ******** Case No. : XXXXXXXX Your File Name : ****** ******** Dear Sir/Madam: I must respectfully submit that Ocean Harbor has provided an estimate, on 09/14/21, for 100% of the known related damage to Ms. ********'s vehicle of $8,939.56, less a $500 deductible, for a net of $8,439.56 regarding this loss, based on our enclosed estimate of the damage to Ms. ********'s vehicle caused by this accident. We also provided her a Direction to Pay to complete and return to us so that we could pay her shop of choice directly. Prior to settling this claim, we required a copy of the insured's statement, which was mailed to Ms. ******** on 08/25/21, and/or a police report, which we received both on 09/14/21. We needed to receive the insured's statement and/or the long form police report to verify coverage. Ms. ******** was provided a copy of the estimate with a complete breakdown of all charges for parts, labor and materials. Our estimate is an accurate depiction of damages and appropriate repairs as can be identified, prior to tear down. We explained to her our supplement procedures and encouraged her to take her vehicle to the shop of her choice and present a copy of our estimate, and we would deal with the shop on any necessary, additional damage that is related to this loss found upon tear down of the vehicle. We advised her that, if supplemental damage was found, the shop should fax or email us a supplement for our review. Upon receipt, we would determine if a re-inspection of the vehicle is necessary. We received a supplement on 10/01/21, and we immediately assigned an independent, outside appraiser to re-inspect the vehicle. We advised Ms. ******** that we pay to repair or replace all damage to her vehicle related to the loss with like, kind and quality parts, which includes the reasonable and customary labor cost associated with the repair and/or replacement of same. Under the terms and conditions of her policy with Ocean Harbor, we can replace damaged parts with like, kind and quality, if available. O.E.M. parts are not called for under the policy when like, kind and quality are available. This can be found under "Limit of Liability" in Part IV - Coverage for Damage to "Your Covered Auto". If she chooses to have her vehicle repaired using OEM parts, she may do so and pay the difference. The labor rates shown in our estimate are the usual and customary charged in her area for the repairs needed to her vehicle. If her shop of choice refuses to accept these labor rates, she can select another shop that will adhere to these rates, or she may have the vehicle repaired at the shop of her choice and pay the difference. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170 Consumer Response /* (3000, 7, 2021/10/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was a new Supplement for 13,000 that was sent by Djs Auto collision due to certain parts not being available, Ismeli Romero confirmed she received it and it was not documented in the system. Is not that the collision place did not accept the amount.. there was a reason given why it has been resubmitted. And nobody has contacted me from your company or the adjuster. So respectfully all of you at that office do your job. Business Response /* (4000, 9, 2021/10/08) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: October 8, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : SXXXXXXX-XX-XXXX COLL Our Insured Name : ****** ******** Case No. : XXXXXXXX Your File Name : ****** ******** Dear Sir/Madam: I must respectfully submit that, as stated in our previous response, Ocean Harbor has received a supplement on 10/01/21, and we immediately assigned an independent, outside appraiser to re-inspect the vehicle. The supplement was for $3,557.19. As we informed Ms. ******** from the onset of this claim, if supplemental damage was found, the shop should fax or email us a supplement for our review. Upon receipt, we would determine if a re-inspection of the vehicle is necessary. Again, upon receipt of the shop's estimate, we determined a reinspection was necessary. If there is an issue with obtaining parts, we will address same upon reinspection. We advised Ms. ******** that we pay to repair or replace all damage to her vehicle related to the loss with like, kind and quality parts, which includes the reasonable and customary labor cost associated with the repair and/or replacement of same. Under the terms and conditions of her policy with Ocean Harbor, we can replace damaged parts with like, kind and quality, if available. O.E.M. parts are not called for under the policy when like, kind and quality are available. This can be found under "Limit of Liability" in Part IV - Coverage for Damage to "Your Covered Auto". If she chooses to have her vehicle repaired using OEM parts, she may do so and pay the difference. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170

• Initial Complaint

  09/28/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In April a vehicle we sold at our dealership was totaled, the customer died in the totaled vehicle.. Since that day I have been trying to collect payment for this totaled vehicle providing the insurance company with every document they needed. Mrs. ****** ********** is my claims adjuster and is absolutely the most horrible person I have ever dealt with. From the date of first contact I have had 73, SEVENTY THREE, NO THAT IS NOT AN ERROR!!! phone calls to her with not ONE SINGLE CALL BACK!!! NOT ONE!!!! I have also emailed her nearly 100 times, begging her to call me, have never received a call.

  Business response

  10/25/2021

  Business Response /* (1000, 5, 2021/10/06) */ We have been unable to identify a claim with the information provided to us here. Consumer Response /* (3000, 7, 2021/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have provided over 60 emails to mrs Esther Washington, claim number SXXXXXXX, attached is a screenshot with just a small snip of the amount of emails I have sent, this is beyond ridiculous and I demand a call to please get the claim resolved that we have been trying to resolve since MAY 2021, 5 months ago! Business Response /* (4000, 9, 2021/10/08) */ We are waiting for a Letter of Guarantee, a notarized Hold Harmless and an authorization letter on company letterhead. Upon receipt of these documents, payment will be made.

• Initial Complaint

  09/14/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I filled a claim with pearl holding group do to weather damages to my truck with water damage. A week ago and no one has reached out or answer any calls in the claim department. Only one adjuster which I'm not assigned to have responded but clearly not getting the message out. Now here my dealership allowed me to be in this loaner until an adjuster comes out but still no adjuster now I'm about to be without the knowing what's next, with my truck just sitting.

  Business response

  09/24/2021

  Business Response /* (1000, 5, 2021/09/14) */ This claim, EXXXXXXX, was reported to us on 09/07/21. The location of the vehicle was provided to us on 09/10/21. We assigned an outside, independent appraiser to inspect the vehicle on 09/10/21. The appraiser is scheduled to inspect the vehicle on 09/15/21. We sent a Flood Questionnaire and a Loss Questionnaire to our insured on 09/08/21. Neither of these forms have been completed and returned to us. Consumer Response /* (3000, 7, 2021/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I sent it back by email Business Response /* (4000, 9, 2021/09/16) */ We received the Flood Questionnaire today, 09/16/21. The estimate has been sent to us and we should be receiving same tomorrow. Once it is approved, we will attempt to settle this claim. Consumer Response /* (4200, 11, 2021/09/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) The whole big issue is I'm not being advised any of this unless I call for a status I have not had one phone called that I have requested numerous of times. Nor have my assigned adjuster reached out. You guys have completely ignored me this whole process which is unacceptable when I'm a good paying customer in auto pay! Still no information about and estimate but you come on here to try and make like it's all good when having anxiety about my situation and where I stand with this claim not knowing what to do next money being wasted haven't been talked about. Business Response /* (4000, 13, 2021/09/21) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: September 21, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : EXXXXXXX-XX-XX COMP Our Insured Name : ******* ******* DOL : 09/03/2021 Case No. : XXXXXXXX Your File Name : ******* ******* Dear Ms. *******: I must respectfully submit that Ocean Harbor Casualty at this time is denying coverage for the damage to Ms. *******'s vehicle as, upon inspection and a diagnostics investigation, there was no evidence that the water damage to Ms. *******'s vehicle was both sudden and accidental. Ms. *******'s policy does not cover corrosion and wear and tear to her vehicle. It was determined that the water damage was a result of a clogged and/or a damaged sunroof drain, which is due to lack of maintenance and/or drain tube failure, which allowed water to run down the ''A'' or LT windshield pillar over a long period of time. Under Part IV of the policy - Coverage For Damage to "Your Covered Auto" - Exclusion C, damage to Ms. *******'s auto due and confined to wear and tear is not covered. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170 Consumer Response /* (4200, 15, 2021/09/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is BS I have been trying to contact for an appeal because the dealership told me to call you guys back due to the facts are not true this was not the correct reason do to lack of maintenance and that this was cause by all of the bad weather that clogged. Scott at Lexus of Tampa bay advise me to contact them because it should be covered because he has two other vehicles there at the service department which was covered by two different insurance companies that totaled the cars with no problem. The weather caused the clogged up that corroded the wiring after it leaked in. If the was a over the time thing I would have had electric problems which I never had prior to the storms that came through the tampa Bay Area. My car was well maintenance by Lexus of Tampa bay anytime an issue was with my truck. Now here it is this faulty insurance company saying lack of maintenance in where at any service area that maintenance is required to a sunroof unless it's broken or leaks in the car which I never had any leaking in my truck in the area where you are seated. No one has contact me or the dealership back for my appeal to this denied claim these people are full of **** and is unfair I paid to this company for years with nothing reported and I had a totaled vehicle with no compensation. I'm still waiting on someone to call so sad that they are treating paying customers this way. I have emailed three people for this and no one return emails or calls Business Response /* (4000, 18, 2021/09/24) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: September 24, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : EXXXXXXX-XX-XX COMP Our Insured Name : ******* ******* DOL : 09/03/2021 Case No. : XXXXXXXX Your File Name : ******* ******* Dear Sir/Madam: As previously stated, this loss was caused by corrosion, due to a clogged drain and/or a drain malfunction. The reason it may have appeared to Ms. ******* that it was caused by the heavy rain she experienced is because the drain, which again was clogged or not functioning properly was overrun by the amount of water that was being passed ******* it. The drain, which was already corroded at the time of the rainy weather, became overwhelmed by the heavy rain, which Ms. ******* is referencing, and spontaneously caused her electrical/mechanical system failure. As stated before, Ms. *******'s policy does not cover this damage, which was obviously a result of corrosion and/or malfunction of a mechanical/electrical part. It doesn't matter how quickly the water enter the tube, the damage was due to a failure in the drain tube, caused by wear and tear which occurred over time. The technician discovered and identified the failed drain tube as the cause of the resulting damage. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170

• Initial Complaint

  09/13/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The representatives for Pearl Holdings Group are distastefully rude/ignorant/and self indicated a ruler over any conversation being had with customers. They claim feelings for you and tell you you're speaking out of tone when you DO NOT LET THEM run over you with nonsense. I AM A REA PERSON - I've EXPERIENCED REAL THINGS THATS CAUSING ME TO HAVE TO DEAL WITH THEM IN THE FIRST PLACE. Age has NOTHING TO DO with expertise and ***** of PEAR HOLDING whom is the Florida State Adjuster I spoke with left me with the most disgustingly disturbing experience of MY LIFE.

  Business response

  10/01/2021

  Business Response /* (1000, 5, 2021/09/14) */ *****, the adjuster referred to in this complaint, was taking a recorded statement on 09/13/21 regarding this claim, SXXXXXXX. In a recorded statement the adjuster is required to ask certain questions to obtain information to allow us to make a coverage determination. Ms. ****** was anything but cooperative during this statement. Nevertheless, we obtained the necessary information to determine coverage. Consumer Response /* (3000, 7, 2021/09/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) In the statement they provided they said I was less than cooperative and that is completely false. In the recording which was done on a sketchy RESTRICTED line the adjuster conducting my interview can be heard unprepared and unaware of all SHE IS to be asking. She carried HERSELF unprofessionally and KEPT badgering me to calm down because she found herself SENSATIVE to my tone of voice which reflected a controlled calmness in anger that SHE AS THE POOR ADJUSTER she is FAILED to recognize. She does not know who I am nor what PTSD is triggered in having the conversation I was having with her. Business Response /* (4000, 9, 2021/09/16) */ Fully noted.

• Initial Complaint

  09/07/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was involved in a car accident on 8/11/2021. The other driver was at fault and took responsibility. I was assigned a insurance adjuster for Claim SXXXXXXX and emailed all necessary information to her in a timely manner. I have sent many emails asking for an update to my case so I can get my car fixed but I only get the automatic reply that someone will contact me but I have not received any communication now and need my car fixed. I want someone from the company to contact me and I want my car fixed ASAP.

  Business response

  09/27/2021

  Business Response /* (1000, 5, 2021/09/10) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: September 10, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM ****** ******* XXXXX RE: Claim No : SXXXXXXX-XX-XX PD Our Insured Name : DARIEN OUSLEY Case No. : XXXXXXXX Your File Name : ********** ********* Dear Sir/Madam: Ocean Harbor Casualty accepts 100% of the liability and property damage to Mr. *********'s vehicle regarding this loss. Enclosed is a copy of our offer and release in the amount of $2, 153.70 sent to Mr. ********* today for the damages to his vehicle caused by this loss, based upon the enclosed estimate of same. Upon receipt of the signed Property Damage Release, payment will be made. Mr. ********* was provided a copy of the estimate with a complete breakdown of all charges for parts, labor and materials. Our estimate is an accurate depiction of damages and appropriate repairs as can be identified, prior to tear down. We explained to Mr. ********* our supplement procedures and encouraged him to take his vehicle to the shop of his choice and present them with a copy of our estimate; and we would deal with the shop on any necessary, additional damage that is related to this loss. We advised him that, if supplemental damage was found upon tear down of the vehicle, the shop should fax or e-mail us a supplement for our review. Upon receipt, we would determine if a re-inspection of the vehicle is necessary. We advised Mr. ********* that we pay to repair or replace all damage to his vehicle related to the loss with certified replacement parts, which includes the reasonable and customary labor cost associated with the repair and/or replacement of same. Under the terms and conditions of our insured's policy with Ocean Harbor, we indemnify him for the amount that he is legally responsible for under tort law. By Florida tort law, our insured is liable for the cost of certified replacement parts only, not OEM parts, unless certified replacement parts are not available. If Mr. ********* chooses to have his vehicle repaired using OEM parts, then he must pay the difference. Regarding the labor rates, the labor rates shown in our estimate are the usual and customary charged in Mr. *********'s area for the repairs needed to his vehicle. If his shop of choice uses labor rates that are higher than the usual and customary rates in his area; then he can choose a different shop that would adhere to our rates, or he can have his shop repair his vehicle and he would be responsible for paying the difference. Case No. : XXXXXXXX Your File Name : ********** ********* Regarding rental reimbursement/loss of use, under Florida Tort Law, rental reimbursement/loss of use is only reimbursable for the time period while Mr. *********'s vehicle is being repaired and only at reasonable and customary costs. From the onset of this claim, we explained to him that we pay for rental reimbursement at the rate per diem of a vehicle in his area, which is of comparable size, plus tax and surcharge, if he wished to rent a car during the repair time of the vehicle. We advised that we pay for repair time only. In addition, on 08/12/21, we sent the enclosed mitigation letter that describes our insured's responsibility to reimburse rental / loss of use expenses. Under the terms and conditions of Mr. Ousley's policy with Ocean Harbor, we indemnify him for the amount that he is legally responsible for under tort law. Our insured is legally responsible for the damages incurred to a third party, resulting from an unintentional act by our insured, and said damages are subject to the claimant's mitigation of his or her losses. Upon receipt of Mr. *********'s rental invoice, we will make a determination of what amount our insured is legally responsible for, and an offer will be sent. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170 Consumer Response /* (2000, 12, 2021/09/27) */ From: *********, Rod <*************@baycare.org> Date: Tue, Sep 21, 2021 at 8:38 AM Subject: FW: BBB Complaint Case# 90644894 (Ref#XXX-XXXXXXXX-XXXXXXXX-X-XXXX) To: ********@bbbsefl.org <********@bbbsefl.org> Anouska, I wanted to thank you for your assistance with resolving my case with this insurance company. I was at my wits end and filled with frustration and anger at how I was being dismissed by them. Within a week of the BBB getting involved my case has been resolved. Thank You,

• Initial Complaint

  09/07/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I was rear ended by their insured and they refuse to compensate me for my damages (properly damage claim) I have emailed and called them several times. Customer service has been unresponsive and inefficient. I'm about to take them to small claims court.

  Business response

  09/21/2021

  Business Response /* (1000, 5, 2021/09/08) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: September 8, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : SXXXXXXX-XX-XX PD Our Insured Name : ****************** Case No. : XXXXXXXX Your File Name : ***** ******* Dear Sir/Madam: I must respectfully submit that Ocean Harbor Casualty has completed its investigation of this loss. At this time Ocean Harbor Casualty is denying liability for this loss; however, if information is provided to us that may cause us to re-evaluate our position, we will do so accordingly. Enclosed is our denial letter sent to Mr. ******* on 08/04/21, based on our insured's version of the loss, points of impact and the location of the vehicles. Our insured claims that Mr. ******* backed into our insured's vehicle. This was a rear-end collision as stated in the complaint, but it was caused by the claimant's vehicle rolling back on a hill. We have conflicting versions regarding this loss and there were no independent witnesses. There was no police report describing the details of this loss. We denied this claim based upon the information we have on file, which includes, but is not limited to, our insured's description of this loss. If Mr. ******* has additional information he would like to provide for our consideration regarding this claim, please send same to us so that we can reconsider our position. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170 Consumer Response /* (3000, 7, 2021/09/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is a email between my attorney and the officer that reported to the scene of the accident and his statements Business Response /* (4000, 9, 2021/09/09) */ At this time, our denial stands. Our insured is claims that Mr. ******* backed into our insured's vehicle. This was a rear-end collision as stated in the complaint, but our insured is adamant that it was caused by the claimant's vehicle rolling back on a hill into her vehicle. We have conflicting versions regarding this loss and there were no independent witnesses. There was no police report describing the details of this loss, and the officer was not a witness to it as well. We denied this claim based upon the information we have on file, which includes, but is not limited to, our insured's description of this loss.

• Initial Complaint

  09/07/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I filed a claim in April 25,2021 since then it has been very difficult to get In touch with this so called insurance company. First they issue a letter stating there was no full coverage on the car at the time of the accident, I then submitted an file showing there was insurance on the car at the time of the accident after that they apologize and then tell me they will get this misunderstanding figured out. Fast forward 6 months later my medical was the only thing paid off while my car damages have not been touched yet I have even contacted my adjuster many times only to find out she has not went down to the towing company but wants me to go down there myself and take a picture of the damages and send it to them like why is this Insurance company even still in business. I just want my claim solved so I don't have to deal with these people ever again the worst insurance company that ever existed.

  Business response

  09/27/2021

  Business Response /* (1000, 5, 2021/09/07) */ PEARL HOLDING GROUP P.O. Box XXXXXX Sunrise, FL XXXXX-XXXX _________________________________________________________________________________________ Date: September 7, 2021 DISPUTE RESOLUTION SUPERVISOR BETTER BUSINESS BUREAU SERVING SOUTHEAST FLORIDA 4411 BEACON CIRCLE, SUITE 4 WEST PALM BEACH, FLORIDA XXXXX RE: Claim No : SXXXXXXX-XX-XXXX **** Our Insured Name : *********** ******** Case No. : XXXXXXXX Your File Name : ******** ******** Dear Sir/Madam: I must respectfully submit that Ocean Harbor has completed its investigation of this loss. At this time Ocean Harbor Casualty is denying coverage for the damage to Ms. ********'s vehicle caused by this loss; however, if information is provided to us that may cause us to re-evaluate our position, we will do so accordingly. Our investigation of this loss has established that there was no physical damage coverage in effect for Mr. ********'s 2017 Hyundai Elantra SE at the time of this loss. Our policy specifically states that for Comprehensive coverage and Collision coverage to take effect on an added vehicle during the term of the policy that the insured must notify us in writing after delivery to him or her and prior to any accident or loss. Additionally, it states that no Comprehensive coverage or Collision coverage will be provided unless we are notified in writing, prior to a loss for which Comprehensive coverage or Collision coverage is being sought and allow us to inspect and photograph the vehicle. Coverage was not requested for same until 04/30/21 and the loss occurred on 04/25/21. In fact, no endorsement adding physical damage coverage to this policy was ever executed. There was no Collision or Comprehensive coverage for this loss. On 04/27/21, the enclosed letter was sent to our insured denying coverage for the physical damage to our insured's vehicle. Respectfully, *** ***** Claims Manager (XXX) XXX-XXXX ext: 170 Consumer Response /* (3000, 7, 2021/09/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have gotten further emails dating back to months after the accident where they have asked me to provide them with documents and information on I did so and they also stayed in close contact with my father about this situation where they told me that was a mistake on their part and I also was never informed of any case being closed by them for the accident because the information that was being told by me states that the claim was still open. Business Response /* (4000, 9, 2021/09/09) */ There has been no communication regarding the collision claim, only the PIP claim, which has not been denied, other than our denial letter sent on 04/27/21. Consumer Response /* (4200, 11, 2021/09/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) Collision protection policy didn't start until may 6,2021 he requested this before the accident plus you guys say in your policy you give a 30 day notice for a written confirmation of this policy was received which at the time of the accident April 25 to may 6 is only 11 days Business Response /* (4000, 13, 2021/09/14) */ The policy language under covered auto added to policy states: As to Collision and Other Than Collision coverage as set forth in Part IV of this policy, this policy will only provide Collision and Other Than Collision coverage for the "replacement motor vehicle" if "you": c. Notify "us", in writing after its delivery to "you" or "your spouse". However, no Comprehensive or Collision coverage will be provided unless "you" notify "us" in writing prior to any accident or loss for which "you" are seeking Comprehensive or Collision coverage and have the vehicle inspected and photographed if requested to do so by us. Plus, in the insuring agreement found in Part IV of the policy: A. "We" will pay to repair or replace "your covered auto" with other of like kind and quality for direct and accidental loss to "your covered auto", other than a vehicle being used as a "temporary substitute", including its equipment, minus any applicable deductible shown in the Declarations provided "you" request coverage for said vehicle in writing to "us" prior to any direct or accidental loss to said vehicle. No coverage for physical damage will be provided for this loss.

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