Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/26/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Loyalty Underwriter, Car Insurance. I filed a claim on 12/27/24 and have not received a check for my truck yet 2/27/25 will be 2 months. The title was given to them on 2/10/25. It has been 2 weeks and no check. They promised it will be overnighted and it was not and now they don't do overnighting. They said I can pick it up. now you can't pick it up. They are liars and give you the run around while they collect interest on your money. Poor customer service and communication. They will not escalate a call to a supervisor nor give name or number.

  

  Business Response

  Date: 03/10/2025

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request 22992556.  Loyalty appreciates the time and effort spent by ***** ******** (Claimant) in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured bearing policy No. PTFC0075963-00, with an effective date of December 13, 2024 through December 13, 2025. 
  
  On December 27, 2024, Loyalty received notice of motor vehicle accident that occurred in **************, *******. Loyalty assigned claim number ********* to the loss and began its investigation of the loss. On December 27, 2024, Loyalty took a recorded statement of the Insured.  On December 27, 2024, Loyalty furnished the Insured with a correspondence to reduce and not incur any unnecessary and unreasonable expenses. On or about December 31, 2024, Loyalty reviewed a copy of the Florida Crash Report which states that our Insured was at fault for the accident and issued a citation for improper change of lane-same direction.
  

  On January 3, 2025, Loyalty called the Insured to advise her that we were working on the estimate for the repair of the vehicle. On January 9, 2025, The Insured called Loyalty and requested for a status.  Loyalty advised the Insured that it was waiting for an estimate for the repair of the vehicle and that it would send the estimate to the total loss department once it was received.  On or about January 14, 2025, PTI received an appraisal estimate for the repair of the Insureds vehicle in the amount of $11,936.76 after the application of the $1,000 deductible. Loyalty determined the vehicle was a total loss. On February 7, 2025, Loyalty furnished the Insured with a Total Loss Settlement Agreement in the amount of $11,959.99 after the application of the deductible, condition adjustment and storage fees to review and execute.  On February 10, 2025, Loyalty received a Certificate of Title for Insureds 2019 Chevrolet Equinox. On February 18, 2025, Loyalty received a signed agreement for the total loss. On March 3, 2024, Loyalty issued payment bearing check number ******* in the amount of $11,959.99, which represented the total amount of the loss payment agreement. 
  

  All issues have been resolved and no further amounts are due and owed regarding the Insureds allegations raised in the Service Request, Loyalty denies the allegations and any wrongdoing.  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
   
  ****** ******
  Chief Claims Officer
  CT/lgf

• Initial Complaint

  Date:01/23/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 01/06/25, we opened a claim. 1- The person who received the case sent us documents to sign and tried to get us to give up on opening the claim for our accident. Finally, once the case was opened, we sent what was required to the email of (********* *****). We called every day, asking for the adjuster, until on 01/13/25 we managed to speak with him (******** ******) who told us that ********* had not sent the images of our accident. And in the call he tried to convince us to take our car to the workshops authorized by them, to which we reminded him that our car had been in the workshop of our trusted mechanic since January 6. To which he replied that if this were the case it would take longer because he had to send an investigator to our city to speak with the mechanic. (I didn't understand this! If it were in his workshops, would the case approval be quicker?) After this he never communicated! since January 13th. Since Tuesday the 21st we have been calling him and we always get different answers with different things. They asked me to leave a message on the answering machine. Then they took my message on another call, today at 1pm they tell me that he was having lunch and finally at 3:30 in the afternoon they tell me that since yesterday he is not in the office because he has a family situation. (Really? And why if I am calling every day they answer me different things?) When I express my discontent they tell me that he is working on my case and is just waiting for the mechanic to send the repair cost!!! To which I respond that it is impossible because the mechanic is asking us every day if we already have an answer since they agreed that the investigator would contact the mechanic to go see the damage, and he himself has tried to contact them 4 times today and there is no solution that is seen soon despite the fact that the car has been with the report since January 6th almost 20 days today.

  

  Business Response

  Date: 02/05/2025

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request 22849801.  Loyalty appreciates the time and effort spent by ******** ****** (Claimant) in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured, ***** ******* Restrepo *********, bearing policy No. PTFC0068991-00, with an effective date of August 8, 2024 through February 8, 2025. 
  
  On or about January 7, 2025, Loyalty received notice of a motor vehicle accident that allegedly occurred on December 31, 2024 and assigned claim number ********* to the loss.  On January 7, 2025, PTI received an executed a Non-Injury Statement from the Claimant.  
  
  On January 15, 2025, Claimant provided Loyalty with the location of the damaged vehicle.  On or about January 15, 2025, Loyalty received photographs of the Insureds vehicle.
  
  On January 23, 2025, Loyalty received the foregoing BBB Complaint, prior to completing its investigation of the claim.
  
  On January 24, 2025, Loyalty spoke with Claimant and advised her that an independent company would inspect the vehicle. On January 24, 2025, Loyalty reached out to the body shop  to let it know that an independent company would be assigned to inspect the vehicle and provide an estimate, at which time the body shop advised Loyalty that their rates were non-negotiable.  On January 28, 2025, the body shop was called to schedule an appointment to inspect and estimate damages. 
  
  On January 31, 2025, Loyalty took the recorded statement of the Claimant. On January 31, 2025, Loyalty received and reviewed an estimate for the repair of Claimants vehicle. *** also reviewed a W-9 and Direction to Pay Claimants body shop for the repair of the vehicle.  On February 3, 2025, Loyalty cleared coverage for the loss and a payment was approved to be made to the body shop.   On February 4, 2025, Loyalty spoke to the Claimant and advised of the same. All issues have been resolved.
  
  Regarding the Insureds allegations raised in the Service Request, Loyalty denies the allegations and any wrongdoing.  
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
   
  ****** ******
  Chief Claims Officer
  CT/lfg
  
  

  Customer Answer

  Date: 02/19/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:10/15/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 17 2024 I was hit by a drunk driver at 1:30 pm in ************. The driver left the scene of accident before police came because she didnt want to end up In jail. She is from ************* and the vehicle insurance is loyalty underwriters. They are not returning my calls and only sends me emails stating they are not gonna pay for my car to get repaired because they cant find the driver. I currently lost my job due to this because I dont have a vehicle its not drivable. Then today I got a email stating the vehicle is repairable but they still are not paying for anything. Everytime I call I get an excuse that they are on the other line but they never return my calls. We are now in October 15th and they havent done anything to help with this situation out. They shouldnt insure people that have alcohol problems and get in to accidents while intoxicated. I dont understand how they cant find the driver when they know the owners information and the car was not reported stolen before or on the date of this accident they still had insurance I took pictures of car plates and registration information. I also took pictures and damages to both cars. They have a lot of bad reviews but these reviews clearly dont mean anything because they are still in business and doing shady business. I hope they get more complaints and the BBB finally do something about this because people are losing money and jobs due to this company not keeping their word and helping out ***** theres a issue. They will never get business from me and Im going to let everyone I know thats lives in ************* to not ever do business with them they are scammers and needs to be shut down for the horrible business they are conducting

  

  Business Response

  Date: 10/30/2024

  Please see attached.

  

  Business Response

  Date: 10/30/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request 22423696.  Loyalty appreciates the time and effort spent by ****** ****** (Claimant) in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured bearing policy No.PTFC0007135-02, with an effective date of November 18, 2023 through November 18, 2024.
  
  On September 26, 2023, ****** from **** Insurance called on behalf of the Claimant, ****** ******, and reported a motor vehicle accident that purportedly occurred in *********, ** on August *******. The caller reported the Claimant was going straight and that the Insured made an unsafe left turn while the Claimant had the right of way and caused the accident. The caller advised the ambulance was not called.  *************************** was called but a citation was not issued.
  
  On September 27, 2024, Loyalty furnished the Claimant a letter advising her of the obligation mitigate damages and not incur unnecessary and unreasonably expenses.    On or about September 27, 2024, Loyalty received a copy of the police report. The police report states our Insured,********** ******* was the driver of a 2017 ****** (V1) and the Claimant,  ****** Riviera,  as the driver a 2011 **** (V2).  The police report makes no reference to any other individuals in either of the cars and makes no determination as to liability.
  
  On September 27, 2024, Loyalty spoke to Claimant, ****** ******. Loyalty advised Claimant of the issues revolving coverage and advised Claimant that it would take some time to determine coverage and that it would be best to make a claim through her insurance company and have them send Loyalty a demand. The Claimant then advised she did not have collision on her policy. Upon receiving the copy of the police report it was confirmed that the vehicle was on the policy but it was not confirmed who was driving the vehicle.Per the claimant it was someone named ******* *******.  Loyalty requested a copy of the Ms. ******* drivers license and has not received a copy, to date.
  
  On or about October 1, 2024,Loyalty received photographs of the Claimants vehicle and a receipt from Northside Auto Repair dated April 12, 2024 for $450.00;  a receipt dated August 19, 2024  for two used tire in the amount of $180.00;screenshot of a ******* One-Time Card dated July 7 at 7:27p in the amount of $138.13; and a invoice from ****** Mobile Mechanics dated April 4, 2024 in the amount of $103.00; a purported Letter Details from Rochester Regional Health dated August 17, 2024, with no medical records attached. Please note that all of the receipts provided to Loyalty pre-dates the reported loss with the exception of a documents titled Letter Details dated August 17, 2024.  However, Claimant previously advised Loyalty that ******* ******* was driving the vehicle. Throughout the investigation of the claim, Loyalty emailed and called the Claimant explaining what was going on and that if we could not validate that the driver and that if the driver did not have a valid driver's license, we could not move forward with any claim payments. To date, Loyalty has not received any additional information regarding the driver of the Claimants vehicle, ******* ******* and the claim was denied.
  
   Regarding the Insureds allegations raised in the Service Request, Loyalty denies the allegations and any wrongdoing. 
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  
  Sincerely,
  
  ****** ******
  Chief Claims Officer
  CT/lfg

  Customer Answer

  Date: 11/18/2024

  Spoke to ********* **** on 11/1 and he told me on the phone that the claim closed 2 days ago that I can call and complain 100 times he will deny any claims and all claims because they are refusing to pay for a person thats not on the policy even tho the owner of vehicle spoke to police officer that made reports on the case and stated that she gave her sister permission to drive car for several days. Because of this accident I lost not only my truck but also my job and currently in need of income. I will probably be homeless with my 5 children by the end of this month in the streets because this company refuse to paid to get my truck fixed. Even tho I have spoken to different people also a woman name *****. I have never received a email or phone call from loyalty stating my claim is closed and denied. They have been very rude to me they dont return calls or emails and they are refusing to take accountability for their policy holders for causing an accident and leaving the scene of accident. Christians email is ******************************** ext.3713 thats the only information I got out of this case and this happened on August 17th, 2024. Now I have to also live with neck pain and not being able to work due to a drunk driver that got away. 

  

  Business Response

  Date: 11/20/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request 22423696.  Loyalty appreciates the time and effort spent by ****** ****** (Claimant) in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured bearing policy No. PTFC0007135-02, with an effective date of November 18, 2023 through November 18, 2024. 
  
  On September 26, 2023, ****** from **** Insurance called on behalf of the Claimant, ****** ******, and reported a motor vehicle accident that purportedly occurred in *********, ** on August 17, 2023. The caller reported the Claimant was going straight and that the Insured made an unsafe left turn while the Claimant had the right of way and caused the accident. The caller advised the ambulance was not called.  *************************** was called but a citation was not issued.
  
  On September 27, 2024, Loyalty furnished the Claimant a letter advising her of the obligation mitigate damages and not incur unnecessary and unreasonably expenses.    On or about September 27, 2024, Loyalty received a copy of the police report. The police report states our Insured, ********** ******* was the driver of a 2017 ****** (V1) and the Claimant, ****** Riviera, as the driver  a 2011 **** (V2).  The police report makes no reference to any other individuals in either of the cars and makes no determination as to liability.
  
  On September 27, 2024, Loyalty spoke to Claimant, ****** ******. Loyalty advised Claimant of the issues revolving coverage and advised Claimant that it would take some time to determine coverage and that it would be best to make a claim through her insurance company and have them send Loyalty a demand. The Claimant then advised she did not have collision on her policy.  Upon receiving the copy of the police report it was confirmed that the vehicle was on the policy but it was not confirmed who was driving the vehicle. Per the claimant it was someone named ******* *******.  Loyalty requested a copy of the Ms. ******* drivers license and has not received a copy, to date. 
  
  On or about October 1, 2024, Loyalty received photographs of the Claimants vehicle and a receipt from Northside Auto Repair dated April 12, 2024 for $450.00;  a receipt dated August 19, 2024  for two used tire in the amount of $180.00; screenshot of a ******* One-Time Card dated July 7 at 7:27p in the amount of $138.13; and a invoice from ****** Mobile Mechanics dated April 4, 2024 in the amount of $103.00; a purported Letter Details from Rochester Regional Health dated August 17, 2024, with no medical records attached. Please note that all of the receipts provided to Loyalty pre-dates the reported loss with the exception of a documents titled Letter Details dated August 17, 2024.  However, Claimant previously advised Loyalty that ******* ******* was driving the vehicle. Throughout the investigation of the claim, Loyalty emailed and called the Claimant explaining what was going on and that if we could not validate that the driver and that if the driver did not have a valid driver's license, we could not move forward with any claim payments. 
  
  On November 19, 2024, Loyalty furnished Claimant with a denial letter advising that its investigation revealed that the driver was not on the policy and did not have a valid drivers license when the accident occurred.    The policy states in pertinent part in Part A Liability coverage, Exclusion A. #** a. & b. (Page 5).
  
  Given the facts stated above, Loyalty states it properly investigated the claim and determined the loss was not covered under the terms and conditions of the policy and therefore denies the allegations and any wrongdoing.  
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
   
  ****** ******
  Chief Claims Officer
  CT/lfg
  
  

  Customer Answer

  Date: 11/21/2024

  They have the dates wrong on their statement on here. This accident happened on August 17th 2024 not 2023 so they are just writing anything at this point.never received a letter from them stating they deny my case. Second I have proof that their insurer gave permission to her sister to drive her vehicle for several days. Its ok legal action is taking place. The police are investigating 

• Initial Complaint

  Date:09/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The company has refused to pay me for my car accident. They keep giving me the run around from moving offices to approval not there. They called me saying the check is ready and then they said they cant give it to me. They ignore my calls and emails. They dont give me service in person. The company is very shady. ***** has been giving me the run around. They refuse to let me talk to the manager and owner of the company to resolve the issue. They say the owner is not there and then refuse to call him.

  

  Business Response

  Date: 09/17/2024

  Peoples Trust Insurance (PTI)appreciates the time and effort spent by ***********************************, (Insured) in raising his concerns to the Department.PTI thoroughly reviewed the policy and is happy to advise that it is currently active and the premium payment was received on or about 9/13/2024.
  
  As the Insured is aware, an Expiration Notice dated 9/9/2024 had been issued after payment was not received. The Insured contacted PTI a few days later, on 9/13/2024,and was advised that there is a ***************************************************************************************************************************** coverage. Since the payment was received shortly thereafter the policy was reinstated to reflect policy effective dates of 9/9/2024 9/9/2025. A copy of the declarations page is attached hereto.
  
  Should you have any further questions, please do not hesitate to contact me directly.
  
  Sincerely,
  
  *************************, Esq.
  Vice President, General Counsel
  
  Enclosures:     Declarations Page. 

  

  Business Response

  Date: 09/18/2024

  Please accept this response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by ***********************. The subject claim was reported on July 30, 2024, for an incident reportedly occurring on July 29, 2024. PTI thereafter conducted an investigation of the subject claim, which revealed that PTIs insureds portion of liability for the subject claim was 70%, based on the comparative negligence doctrine. PTI received an estimate from LM ********************** in the amount of $972.55,which represented the amount in damages to the Claimants vehicle. Accordingly,on August 26, 2024, a payment was issued to the Claimant in the amount of $680.79 (check number *******), which represented PTIs Insureds portion of liability for the subject claim.
  
  Should you have any questions or need further information regarding this matter, please contact me directly at ************** or *******************.
  
  Sincerely,
  

  *************************, Esq.
  Chief Legal Officer
  
  BRF/rl

  Customer Answer

  Date: 09/18/2024

   
  Complaint: 22238586
  
  I am rejecting this response because:
  

  I am in no way associated with the attachments sent. I am writing in regards to a car insurance claim.

  Your company is so incompetent that they sent me someones private insurance information that I unknowingly downloaded to my laptop.

  I don't know if that is against the law but it just happened. please have ***** at your ***** location to fill you in on the abuse I have suffered from him.

  He told me on a Wednesday that the check was ready. I drove across ***** to have him ignore me and come up with an excuse that they moved office.

  He ignored my calls and messages for the address that day and only got a response when I started not hanging up when the receptionist answered.

  To have him tell me that it was not approved yet and that I should get a lawyer.

  Your receptionist then laughed at me.

  Either have the owner of the company call me to pay me the full amount of my crash or keep showing that your company is volatile and incompetent.

  again my claim # is 240012536.

  I will only talk through this portal from now on.

  Sincerely,
  
  ***********************

  Customer Answer

  Date: 09/18/2024

  I had a verbal agreement that I would settle only if they gave me a check that day. they did not, nulling and voiding our agreement in the state of ********

  Their driver was found at fault.

  They want to take money from my claim because I did not stop when their driver changed lanes into me without signaling.

  I was going on vacation and wanted to get a fresh start when I came back. but now I want to get the full amount I deserve. their insurance says I am liable, I never got my insurance involved but they would have battled that. and so am i.

  

  Business Response

  Date: 09/19/2024

  Please accept this response from Peoples Trust Insurance Company (PTI) to the Complaint filed with the Better Business Bureau by ***********************. The subject claim was reported on July 30, 2024, for an incident reportedly occurring on July 29, 2024. PTI thereafter conducted an investigation of the subject claim, which revealed that PTIs insureds portion of liability for the subject claim was 70%, based on the comparative negligence doctrine. PTI received an estimate from LM ********************** in the amount of $972.55, which represented the amount in damages to the Claimants vehicle. Accordingly, on August 26, 2024, a payment was issued to the Claimant in the amount of $680.79 (check number *******), which represented PTIs Insureds portion of liability for the subject claim.
  
  

  Should you have any questions or need further information regarding this matter, please contact me directly at **************

  or *******************.

  
  
  Sincerely,
  

   

  *************************, Esq.
  Chief Legal Officer

  Customer Answer

  Date: 09/19/2024

   
  Complaint: 22238586
  
  I am rejecting this response because:

  I had a verbal agreement that I would settle only if they gave me a check that day. they did not, nulling and voiding our agreement in the state of ********

  Their driver was found at fault.

  They want to take money from my claim because I did not stop when their driver changed lanes into me without signaling.

  I was going on vacation and wanted to get a fresh start when I came back. but now I want to get the full amount I deserve. their insurance says I am liable, I never got my insurance involved but they would have battled that. and so am i.

  
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1) We bought car insurance for 6 months coverage 2) We pay ****** 3) The insurance we paid was a fullcover. They suppose they would cover the difference from the car loan in case of an accident loss 4) We had a car accident, and according to their first review, the case was total loss. They made a bad management of the case, we claimed and pointed out all their mistakes and now we have been harmed. There is a lot of shortcomings on the part of the company Loyalty MGA LLC, for example, after 3 months with several interviews, they sent us a request for a list called "Clients Duties letter when making a Claim", a document that is supposed to be sent to us in the first days after we filed our claim and 3 days after we received that document, Loyalty MGA LLC closed the case without giving us time to fill out and respond to the document. 5) They created their stories and conclusions against us without any proof and closed our claim. The point here is that they mishandled our case and now we are the ones who are harmed.6) This insurance company was recommended by Univista Insurance, of which we are clients 6 years here in ********

  

  Business Response

  Date: 09/16/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request ********. Loyalty appreciates the time and effort spent by ***** I. ****** (Complainant)in raising her concerns. Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of Insurance which provided personal injury benefits to ***** I. ****** ********* which was in fully forced an effect from 11/25/23 05/25/24 subject to the terms, conditions, limitations and exclusions of the policy. On March 25, 2024, Loyalty received notice of a motor vehicle accident that occurred on March 24, 2024 in *****************,********   The Complainant reported an animal similar to a raccoon crossed his path and swerved to avoid hitting the animal, lost control of the vehicle, hit a steel wall that threw him into a three feet deep lake. The Consumer advised the police was not called, did not have any pain did not go to the hospital.  The Complainant advised he called his brother to tow the truck  but could not provide any proof of  the same. On March *******, the Complainant executed a Non-Injury Statement. 
  
  On March 26, 2024, the Loyaltys desk adjuster emailed the Consumer requesting that he contact us to schedule a recorded statement. On same day, Loyalty furnished the Consumer with a correspondence advising the Consumer of his obligations to control and reduce damages by not incurring any unnecessary and reasonable expenses and a reservation of rights letter. 
  
  On March 26, 2024, Loyalty took the recorded statement of the Consumer.  On April 11, 2024, Loyalty furnished the Consumer with a letter requesting additional information including a vehicle payment history, phone call history, maintenance history and bill of sale. On or about May 9, 2024, Loyalty received certain documents from the Consumer.   On May 17, 2024 scheduled the Examination Under Oath (***) of the Consumer to take place on May 30, 2024.  The Consumer failed to appear for the ***.  Loyalty rescheduled the *** to take place on June 18, 2024.  On July 1, 2024, Loyalty furnished the Consumer with a letter denying the recovery of the claim based on misrepresentation(s) and fraud along with a reservation of rights letter.
  
   Loyalty fully investigated the claim and denies any wrongdoing. We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  
  Sincerely,
  
  ****** ******
  Chief Claims Officer
  CT/lgf
  Enclosures:  n/a

• Initial Complaint

  Date:07/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After 2 years of paying for insurance, I had an accident and they came up with all sorts of excuses to not pay for the car repairs. They gave me a ticket because I had an Uber driver account that I NEVER used. It took them 60 DAYS to pay for the body shop. I had to spend 60 days on car rental. Now I'm filing a lawsuit against them to get my losses back!

  

  Business Response

  Date: 08/13/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service
  Request ********. Loyalty appreciates the time and effort spent by *********************************
  (Insured) in raising her concerns. Loyalty thoroughly reviewed the policy and claim in
  connection with the allegations raised in the Service Request and, at this time, denies any
  wrongdoing.
  

  Regarding Claim No. *********, a passenger contacted Loyalty on 5/10/2024 to report an
  auto accident on 5/9/2024 involving the Insured. Thereafter, Loyalty requested the police report
  through a vendor it uses to obtain same. On 5/13/2024, Loyalty contacted the Insured, wherein
  she informed Loyalty that the vehicle had been at WDC Painting and ********* since 5/10/2024,
  and Loyalty requested that the Insured provide photos of the purported damages. Thereafter,
  Loyalty submitted correspondence to the Insured regarding her duty to mitigate damages,
  including storage fees. On 5/14/20204, the Insured provided Loyalty with photos of the purported
  damages to the vehicle. On 5/15/2024, Loyalty obtained the Insureds recorded statement.
  On 5/17/2024, Loyalty prepared a preliminary estimate for the repairs to the vehicle based
  on the photos provided. On 5/20/2024, the Insured provided the contact information for WDC
  Painting and ********* Thereafter, Loyalty contacted WDC Painting and *********, but was
  unable to reach anyone and, therefore, left a message.
  On 5/21/2024, **** advised Loyalty that the insured has an open driver account with ****,
  which the Insured has the ability to use at any time while it is open, but that she was not logged
  into the **** application at the time of the accident.
  On 5/22/2024, Loyalty spoke with WDC Painting and *********, requested a W9 and
  direction to pay, and advised regarding the preliminary estimate and how to submit a supplement.
  On 6/14/2024, Loyalty spoke with WDC Painting and ********* and again requested a W9 and
  direction to pay. Thereafter, Loyalty received the W9 and direction to pay from ******************************************** Request Response 21225864
  August 13, 2024
  Page 2 of 2
  and *********, thereby allowing Loyalty to issue payment directly to WDC Painting and *********
  for the repairs to the vehicle. On 6/17/2024, Loyalty spoke with the Insured regarding the vehicle
  repairs. On 6/20/2024, Loyalty spoke with WDC Painting and ********* regarding additional
  damages to the vehicle, wherein Loyalty requested photos documenting same. Thereafter, Loyalty
  received the photos from WDC Painting and ********* showing the additional damages to the
  vehicle. On 6/27/2024, Loyalty received the supplemental estimate for the repairs to the vehicle.
  

  On 7/9/2023, Loyalty issued payment to WDC Painting and ********* for the amount of the
  supplemental estimate.
  

  To date, the Insured has not made a claim, submitted any documentation, or requested any
  information regarding rental reimbursement.
  

  Regarding the Insureds allegations raised in the Service Request, Loyalty denies the
  allegations and any wrongdoing.
  

  We trust that the foregoing fully addresses the concerns raised in the Service Request.
  Should you have questions or need further information regarding this matter, please contact me
  directly.
  

  Sincerely,
  *************************
  Chief Claims Officer
  CT/ems

• Initial Complaint

  Date:07/25/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The customer of ********************** (Auto) decided to make a left hand turn from the middle lane to cause an accident. The police report put that customer at fault and gave him 2 tickets. The police reports also have the witnesses that stated that he was at fault of the accident. We contacted Loyalty to pay the $1228.51 for the auto repair. Instead, they are trying to put the accident on us stating that we are 60% at fault because we could have avoided the accident if our vehicle had stopped in time. What BS is that? So, we would followed the Florida DMV handbook is 60% at fault and the person who made up their own rules is only 40%!?! The accident could have been avoided if the customer would have followed the rules of FLDMV. You don't make a left hand turn from the *********** that is going straight. So NOT following government rules and entities make you more innocent than a person who is following the driver license handbook. We not filing for any injuries or anything else. We just the $1228.51 for vehicle repair.

  

  Business Response

  Date: 08/06/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request22042579.  Loyalty appreciates the time and effort spent by ***************************** (Complainant) in raising her concerns.Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  On July 5, 2024, Loyalty received an a repair estimate in the amount of  $1,228.51 for the repair of the vehicle. On or about August 1, 2024, Loyalty issued payment for $1,228.51 for the said vehicle.  No further amounts are due and owing.
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  *************************
  Chief Claims Officer
  CT/lgf
  Enclosures:  n/a

  Customer Answer

  Date: 08/07/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:07/08/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an accident on 6/05/2024, a claim was placed and Loyalty Underwriter started the usual "investigation". They are claiming I have an Uber Driver account and is increasing my premium by $678 more. This is completely false and unacceptable. I have provided Loyalty written proof that I do not have such account with ****. However they contacted me via email stating they will not remove the ** from my account. In addition to this, I haven't been able to fix my car. This company does not protect their customers. I have read some of the reviews and it seen that they have a pattern to blame customers with the Uber driver account thing. I believe this is very disrespectful and are making false accusations on their customers. This company is not trustworthy and should be investigated. I just want to add that my daughter has been helping with with this issue.

  

  Business Response

  Date: 07/16/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request 221958128.  Loyalty appreciates the time and effort spent by America ***************************** (Insured) in raising her concerns. Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured bearing policy No.PTFC0042690-01, with an effective date of May 2, 2024.
  
  On June 5, 2024, the Insured reported she was involved in a vehicle accident for which Loyalty assigned claim number and commenced an investigation of the claim.  On June 6, 2024, Loyalty received a Florida Crash Report citing the Insured with running a stop sign in violation of the right of way.
  
  On June 10, 2024, Loyalty furnished the insured with letter advising her to mitigate and reduce damages and not incur unnecessary and unreasonable expenses.  On June 10, 2024, Loyaltys desk adjuster requested the Insureds recorded statement of the accident. On June 11, 2024,Loyalty furnished the insured with a letter advising her that an additional premium would be added to the policy due to the commercial and/or business purpose of the vehicle.
  
  On June 17, 2024, Loyalty took the recorded statement of the Insured. On June 23, 2024, Loyalty received medical bills on behalf of the Insured. On June 24, 2024, Loyalty received an estimate for the repair of the Insureds vehicle in the amount of $2,172.52, before the application of the $1,000.00 deductible.
  
  On July 2, 2024, Loyalty furnished the Insured with a Fraud notification and Reservation of Rights Letter. On July 11, 2024, Loyalty removed the additional premium from the Insureds policy. Loyalty thereafter scheduled the Examination Under Oath of the Insured for July 16, 2024.
  
  Loyalty states that no amounts are due and owing until it completes the Examination Under Oath of the Insured.  Regarding the Insureds allegations raised in the Service Request, Loyalty denies the allegations and any wrongdoing.
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  *************************
  Chief Claims Officer
  CT/lgf
  Enclosures:  n/a

  Customer Answer

  Date: 07/22/2024

   
  Better Business Bureau:
  
  I accept Loyalty response. They removed the additional premium placed on my policy. The issue has been resolved. The only issue pending is for Loyalty to finish their investigation, so I can fix my car. 
  
  Sincerely,
  
  America *****************************

• Initial Complaint

  Date:07/05/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March of 2024 I got into a car accident. I contacted my insurance Peoples trust to file a claim and they were going to pick up the car. A week passes and they have not picked up the car from the tow yard. Turns out that they were going to pick up the vehicle under the wrong name loyalty underwriters peoples trust is what my insurance card says so they were not giving the car to loyalty underwriters. Because of that mishap in their company name, I was charged over $600 in storage fees with no one in the company being able to give me answers as to why they are giving the wrong company name to customers. I unfortunately had to accept the 600$ plus loss on the storage fees with no help from the company for answers. Now we came to an agreement on the settlement amount with the loss and it has been almost 4 weeks since its been done with no check I have no answers and no one wants to help me. So I have over 600 loss and no check even though I was bullied and pressured and agree to their terms so I can make progress on my case and buy a new car I have spent thousands on Uber even though I have full coverage they have refused me a rental these shady business practices have been very taxing on me to the point I was hospitalized after my injury due to the stress and hardship this has caused me at this point I just want my check so I can purchase a new car and move on from this company that is dismissive and disrespectful to there customers

  

  Business Response

  Date: 07/15/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service
  Request ********. Loyalty appreciates the time and effort spent by ************************* (Insured)
  in raising her concerns. Loyalty thoroughly reviewed the policy and claim in connection with the
  allegations raised in the Service Request and, at this time, denies any wrongdoing.
  

  Regarding Claim No. *********, the Auto Policy at issue is underwritten by Peoples
  Trust Insurance Company (PTI), but all claims are handled by Loyalty as PTIs claims
  administrator. On 3/20/2024, the Insured contact Loyalty to report an auto accident that occurred
  on 3/19/2024. Thereafter, Loyalty sent an email to the Insured requesting photos of the purported
  damages to her vehicle, and also requested the police report through a vendor it uses to obtain
  same. On 3/22/2024, Loyalty obtained the Insureds recorded statement. At that time, Loyalty
  advised the Insured that her vehicle was accruing charges while at the tow yard, advised her of her
  duty to mitigate her damages, and requested that she release to vehicle to Loyalty. On 3/26/2024,
  Loyalty spoke with the Insured and advised that the vehicle has still not been released, and again
  requested that she release the vehicle to Loyalty. On 4/3/2024, Loyalty submitted correspondence
  to the Insured, again advising her of her duty to mitigate her damages. Thereafter, Loyalty spoke
  with the Insured, wherein she advised she had released the vehicle even though Loyaltys records
  showed the vehicle was still pending release. Thereafter, Loyalty spoke with the tow yard and was
  advised the Insured signed the release on 3/27/2024 to PTI rather than to Loyalty as previously
  requested. The tow yard stated that while it would not allow a three-way call with the Insured and
  Loyalty, it would allow the Insured to call and release the vehicle to Loyalty by phone. Thereafter,
  Loyalty advised the Insured to call the tow yard and release the vehicle to Loyalty by phone.
  Loyalty then immediately picked up the vehicle on 4/3/2024 once it was released to Loyalty.
  

  On 4/17/2024, an appraiser inspected the vehicle to prepare a repair estimate. On
  4/19/2024, Loyalty received the repair estimate and vehicle valuation report. On 4/22/2024,
  Loyalty determined the vehicle to be a total loss. On 5/15/2024, Loyalty completed its total loss
  review and advised the Insured of the payment breakdown. The breakdown included $625.99 for
  the tow yards charges of $925.99 for towing and storage minus the $300 limit covered by the
  policy. Specifically, the Policy at issue states that the total liability for towing and storage charges
  for any one accident or loss shall not exceed $300. Given same, Loyalty covered $300 for the
  towing and storage invoice from the tow yard, but the remaining amount is owed by the Insured.
  Loyalty advised the Insured of same; however, the Insured stated she was not in agreement with
  the breakdown and amount charged for the towing and storage. After much back and forth, on
  6/19/2024, the Insured and Loyalty came to an agreement on the total loss payment breakdown,
  Loyalty submitted a Total Loss Settlement Agreement to the Insured, and the Insured returned the
  executed Agreement. Thereafter, the Insureds lienholder submitted documentation to Loyalty
  confirming the lien and amount of same. On 6/28/2024, Loyalty submitted payment to the
  Insureds lienholder. On 7/5/2024, Loyalty submitted payment to the Insured per the Total Loss
  Settlement Agreement, minus the amount paid to her lienholder.
  

  To date, the Insured has not advised Loyalty of any rental expenses or submitted a request
  for rental reimbursement.
  

  Regarding the Insureds allegations raised in the Service Request, Loyalty denies the
  allegations and any wrongdoing.
  

  We trust that the foregoing fully addresses the concerns raised in the Service Request.
  Should you have questions or need further information regarding this matter, please contact me
  directly.
  

  Sincerely,
  *************************
  Chief Claims Officer
  CT/ems

• Initial Complaint

  Date:05/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  CLAIM # ********* On 12/2/23 my town house was damaged in a car accident. People Trust Insurance is the company that insured the vehicle. Loyalty Underwriter made me an offer to settle my claim, which I accepted and forwarded to them. There are 2 other parties in this claim and I dont know if they accepted their respective offers. I was told by a Loyalty supervisor and adjuster that according to Florida law, I may have to wait 1-5 years to receive any funds if the other two parties dont reply to the offer. Why should I be penalized for the other parties failure to reply? Thank you.

  

  Business Response

  Date: 06/13/2024

  This correspondence serves as Peoples Trust Insurance Companys (PTI) response to Service Request # ********.  PTI appreciates the additional time granted by the Department in responding to the service request.  The information sought in the service request is not readily available.  PTI is working diligently in its investigation of this matter, and will provide a response as soon as each of the Consumers concerns have been thoroughly investigated.
  
  Thank you for your patience.
  
  Sincerely,
  
  *************************, Esq.
  Chief Legal Officer
  
  BRF/LF

  

  Business Response

  Date: 06/14/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to Service Request ********. Loyalty appreciates the time and effort spent by *************************** (Complainant)in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty issued a policy of insurance to Insured, ************************* Vegas bearing policy No. PTFC0021345-01, with an effective date of July 11,2023 through January 11, 2024.  The policy contains a $10,000 property damage coverage limit.
  
  On December 2, 2023, the Insured reported a motor vehicle accident for which Loyalty assigned a claim number and commenced an investigation of the claim. Loyalty received a traffic crash report which states in pertinent part that the Insureds vehicle accelerator got stuck causing the vehicle to lose control and strike a parked unoccupied vehicle owned by the Complainant, ***************************, a fence and then a tree.  The officer determined our Insureds vehicle was at fault and cited for operating vehicle in careless or negligent manner.
  
  On or about December 4, 2023, ************************ submitted an invoice for property damage for $2,410.90. On February 19, 2024, Progressive submitted a subrogation demand for $19,270.44.The Complainant then submitted an invoice for $1,893.42.  The receipt of these three invoices created an excess issue.  Thus, Loyalty made offers to all claimants to resolve the claims contingent on all of the parties agreeing to accept the pro-rated offers and receipts a signed release.
  
  Loyalty calculated the severity/cost of damage per claimant and made a pro-rated offer to the Complainant for $802.00 and received a signed release on or about April 20, 2024. Loyalty made a pro-rated offer to Progressive to resolve the claim and received signed release on May 24, 2024.
  

  On April 19, 2024, Loyalty made a pro-rated offer to ************************ to resolve the property damage claim.  As of June 13, 2024, Loyalty had not received a response from ************************ regarding its offer of resolution. On June 13, 2024, Loyalty furnished ************************ with a follow up contact letter advising in pertinent part:
      As of today, we have not received a response to our offer of $1,022.22 that was sent on April 19th, 2024.  If within 15 days of this        letter we do not hear from you, we will consider this an agreement to the offer and proceed with payment to all parties.
  
  Thus, Loyalty will proceed with issuing payment to all parties if ************************ does not respond by June 29, 2024.
  
  Regarding the Insureds allegations raised in the Service Request,Loyalty denies the allegations and any wrongdoing. 
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  *************************
  Chief Claims Officer
  CT/lgf

  Customer Answer

  Date: 06/14/2024

  Thank you for your prompt follow up. I agree with all of Loyalty Underwriters explanations. However, I was told by their supervisor that this final settlement could take from 1-5 years to be resolved IF one of the parties did not return acceptance of the offer. This is the first time that I see in writing a deadline of June 29, 2024 to settle the case. I hope that they follow through on their offer.  Please DO NOT close this case until I receive my payment. Thank you kindly for your time.

  

  Business Response

  Date: 06/17/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to additional information Service Request ********. Loyalty appreciates the time and effort spent by *************************** (Complainant)in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  The claim will remain open and Loyalty will proceed with issuing payment to all parties if ************************ does not respond by June 29,2024.
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  Sincerely,
  
  *************************
  Chief Claims Officer
  CT/lgf

  Customer Answer

  Date: 06/18/2024

  Thank you for your mediation on this case. However, Loyalty Underwriters does not state WHEN they will issue a check to the concern parties. We are fast approaching the 7th month since the day of the accident and I still have not seen a sincere (and effective) effort in settling this case. Could you please ask them WHEN they will issue the check? Thank you

  

  Business Response

  Date: 06/21/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to additional information Service Request ******** dated June 18, 2024. Loyalty appreciates the time and effort spent by *************************** (Complainant)in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Loyalty calculated the severity/cost of damage per claimant and made a pro-rated offer to the Complainant for $802.00 and received a signed release. The claim will remain open and Loyalty will proceed with issuing payment to all parties if ************************ does not respond by June 29,2024.
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  

  Sincerely,
  

  *************************
  Chief Claims Officer
  CT/lgf

  Customer Answer

  Date: 06/24/2024

   
  Complaint: 21779316
  
  I am rejecting this response because:
  
  Loyalty Underwriters did not state WHEN they were going to issue my payment. I need a specific date, its been 7 months of empty promises. Thank you
  

  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 07/02/2024

  This correspondence serves as Loyalty MGA, LLCs (Loyalty) response to additional information Service Request ******** dated June 25, 2024. Loyalty appreciates the time and effort spent by *************************** (Complainant)in raising her concerns.  Loyalty thoroughly reviewed the policy and claim in connection with the allegations raised in the Service Request and, at this time, denies any wrongdoing.
  
  Gold ******************* failed to respond  Loyaltys offer of settlement by June 29,2024 and issued payment to the Complainant on July 1, 2024 for  $802.00.
  
  We trust that the foregoing fully addresses the concerns raised in the Service Request.  Should you have questions or need further information regarding this matter, please contact me directly.
  
  
  Sincerely,
  
  *************************
  Chief Claims Officer
  CT/lgf

  Customer Answer

  Date: 07/06/2024

  Good news! I just received a check for $802 from Loyalty Underwriters. Thank you for your assistance in advocating for a resolution on this matter. 
  Sincerely , **********************;