ComplaintsforLincoln Insurance Agency Inc.

• Initial Complaint

  02/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I did request a quote q few months back from their website. I received a mailing from them a month ago. Today , 2/11/2024, I received a email from them. I tried to email them back over a month ago. That I already have auto insurance. I already pay better than what Lincoln offered in their quote. I don't feel their insurance will work for me due to price quote.

  

  Business response

  02/13/2024

  We apologize for any inconvenience. We will try not to contact this person in the future.

  Customer response

  02/14/2024

   
  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

  01/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I am insured with my vehicle through lincoln insurance , on January 2nd i was involved in an accident in ******* while i was out of town looking at colleges claim number 2024C0160243 . The decision was that my coverage was denied because i didnt tell them i moved but i never moved i was only out there looking at schools , the company is seemingly dragging this whole matter out and id really appreciate some assistance,

  

  Business response

  02/01/2024

  *************************** called Lincoln Insurance Agency and purchased liability, collision, and comprehensive coverage on a 2020 Chevrolet Malibu effective November 25, 2023.

  
  Since Lincoln Insurance Agency is an independent agent, the coverage was placed with American Alliance Casualty Company, policy number ILAA091619100.
  

  This complaint refers to an auto accident that occurred on January 2, ****, in the ****************.
  

  According to Ms. ********* insurance company, American Alliance Casualty Company, during their claim investigation they discovered that ******************** is living in *******,and this is why coverage was denied by American Alliance Casualty Company.
  

  Lincoln Insurance Agency is not an insurance company and has no claim adjusting authority and therefore cannot make any decisions regarding claims.
  

  Please refer this complaint to American Alliance Casualty Company. 

  Customer response

  02/04/2024

   
  Complaint: 21213005
  
  I am rejecting this response because: I never moved to *************** i was only visiting colleges which i was emailed by the adjuster where i was asked for proof of address and i gave.
  
  Sincerely,
  
  ***************************

  

  Business response

  02/05/2024

  Lincoln Insurance Agency is not the insurance company and has no claim adjusting authority and cannot make claim related decisions. Therefore, please forward this complaint to American Alliance Casualty Company as stated in our initial response.

  Customer response

  02/06/2024

   
  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

  03/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I called to see why my bill **** from ****** to ****** and they told me my policy was cancelled cause it was due on the 1st and they cancelled policy on the 10th when cancellation notice notice l'm my hand says it would be cancelled on the 3/19. And the representative told me the notice I'm Looking at had to be correct cause hers says the date she's telling me; can you say ripping me off. My notice says 3/19/23 at 12am How can you change a cancellation fee when I have in writing the date of cancellation. This company is horrible.

  

  Business response

  03/14/2023

  Hello ******************,

  If a payment is not received by the due date then a 10 day cancellation notice is mailed out to you in accordance with ******** law. When a policy has a lien holder listed on it like your policy the insurance company sends an additional cancellation notice with an additional 10 days also in accordance with ******** law. Thus the reason why two cancellation dates. 
  

  Sincerely, Lincoln Management 

  Customer response

  03/15/2023

   
  Complaint: 19589587
  
  I am rejecting this response because: Isnt that fraud? Which date is accurate you; since I only received the notice for the date of the 19th at 12am which was clearly different from what you have in your system. The system and the mailed document that i received should read the same shouldnt it? 

  Sincerely, my 
  
  ***********************

  

  Business response

  03/17/2023

  We operate under the rules and regulations of the ******** Insurance Code. This Law in the ******** insurance code is under section 215 ILCS5/143.14 c. and d.

   

  When an insurance payment is not received then the Premium finance company (Lincoln Acceptance Company) is required by law to send a 10 day cancellation notice to the insured. However if vehicle is financed and there is a Lienholder listed on the policy then the insurance company is required to send an additional notice of cancellation actually extending the cancellation effective date longer. 

   

  I hope this helps you to have a better understanding of the actions above. Thank you, ***************

  Customer response

  03/20/2023

  
  Complaint: 19589587
  
  I am rejecting this response because:so therefore I shouldnt be charged an cancellation fee cause as you stated it was extended; and to be cancelled on that date; which is the letter I received as to why I responded; so I ask again isnt that fraud of some sort? Also the representative said the insurance was paid in advance by on company so how does a cancellation fee gets added to something paid in advanced? 
  
  Sincerely,
  
  ***********************

  

  Business response

  04/04/2023

  In compliance with her request we have waived the cancellation fee on ********************** account.

  Customer response

  04/05/2023

   
  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. Now all I need is to see the refund or insurance adjustment on the next bill for the insurance I carry with this business. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  03/18/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I purchased full coverage insurance on my car and the insurance company didn't do a full damage estimate when I had an accident and don't want to include additional damage coverage

  

  Business response

  03/21/2022

  ******* *** COMPLAINT STEMS FROM A CLAIM PROCESS INVOLVING TWO ACCIDENTS THAT OCCURRED 9 DAYS APART ON 2/2/22 AND 2/11/22 WHILE DRIVING A 2007 ********** GALANT. THESE ACCIDENT WERE REPORTED TO THE NATIONAL HERITAGE INSURANCE COMPANY. TWO CLAIMS WERE OPENED #*******, AND #*******. DURING THE CLAIM PROCESS A COLLISION DAMAGE ESTIMATE WAS CREATED INDICATING THAT THE COST TO REPAIR THE VEHICLE IS $4,508.58 WHICH IS GREATER THAN THE VALUE OF THE VEHICLE $4,115.00 THEREFORE ESTABLISHING A TOTAL LOSS. THE INSURANCE COMPANY IS CURRENTLY WAITING FOR A COPY OF THE VEHICLE TITLE IN ORDER TO FINISH THE CLAIM PROCESS.

• Initial Complaint

  02/24/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I have been paying for full coverage insurance for at least three years. Someone hit my parked car while I was out of town. My vehicle was totaled out as a result. Although, the person responsible had liabilty insurance my insurance company Lincoln made it a note that they were not getting involved under any circumstances. There was no empathy on their end through this situation whatsoever although their insurance company informed me my insurance company should act as a liason on my behalf. The other cars affected, called their insurance companies, their insurance took care of everything and communicated with the other insurance to get what they paid for their clients to get their vehicle fixed and are not having the hassle of getting a resolution that I am having with Lincoln. I had to get a rental until the other insurance settles. I opted to use my own insurance to cover me for this period. During this time I was carjacked, the car was recovered. I called Lincoln to inform them of this they routed me right back to the other insurance company. They take no ownership, they will not help you, they will bounce you back and forth and you literally are on your own! They are not willing to help you in any shape form or fashion!!! At this point we need a resolution to our issue.

  

  Business response

  03/04/2022

  HELLO,

  **************** HAS MADE THIS COMPLAINT DUE TO A AUTO INSURANCE CLAIM RELATED MATTER. ********************* IS COVERED FOR AUTOMOBILE LIABILITY INSURANCE WITH ******************* COMPANY, POLICY NUMBER ILTH622689 AND PHYSICAL DAMAGE (COLLISION AND COMPREHENSIVE COVERAGE) WITH NATIONAL HERITAGE INSURANCE COMPANY, POLICY NUMBER *******. BOTH POLICIES WERE RENEWED EFFECTIVE MARCH 3,2021 FOR ONE YEAR. ON JANUARY 18,2022 WE RECEIVED A CALL FROM **************** ADVISING THAT HIS VEHICLE WAS INVOLVED IN AN ACCIDENT WHILE PARKED. HE ELECTED TO FILE A CLAIM THROUGH THE OTHER PARTY'S INSURANCE COMPANY (FALCON INSURANCE COMPANY). HE ALSO RENTED A CAR THAT WAS BEING PAID FOR BY THE OTHER PARTY'S INSURANCE COMPANY. ON FEBRUARY 24, 2022, *************** CALLED AND INDICATED THAT THE RENTAL CAR WAS CARJACKED HOWEVER RECOVERED DAMAGED AND IS ON HOLD IN THE POLICE POUND UNDER THEIR INVESTIGATION. CURRENTLY, COLLISION COVERAGE ON THE RENTAL CAR IS UNDER INVESTIGATION TO DETERMINE WHO IS RESPONSIBLE TO THE REPAIR THE COLLISION DAMAGE. SINCERLY, *************** PRESIDENT **************************

  Customer response

  03/08/2022

   
  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,
  
  *********************

*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. ↩