ComplaintsforMGI Risk Advisors

• Initial Complaint

  02/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Inquired about updates to Auto Policy (premium quote) and policy was updated without my consent (broker knew I had questions and became unreachable by text, phone, and email). I requested policy be cancelled via Safeco app email to MGI. Policy was not cancelled and is now sent to collections as a no pay. Policy update was never agreed and I found coverage elsewhere and requested cancellation. New insurer also sent notice of new coverage. When I originally signed up for the policy months prior, broker also signed me up for a policy I explicitly said I did not want (add on to regular auto insurance) and this was eventually cancelled yet the premium taken for this was to be refunded over a year.

  Business response

  02/12/2024

  INSURANCE POLICIES (kind of policy, policy number and dates in effect)
  Homeowners policy OZ5231830 effective from 6/30/2023-6/30/2024 (still in effect today)
  Auto policy Z5302821 effective from 6/30/2023-10/30/2023 (no longer in force cancelled for nonpayment)
  Auto policy Z5308466 effective from 8/24/2023-10/30/2023 (no longer in force - written for newly acquired truck on 8/24 and cancelled for nonpayment on 10/30)
  Personal Umbrella policy UZ5231834 effective from 6/30/2023-6/30/2023 (issued in error / cancelled flat)
  *all policies set up to be paid by insured *********************** except homeowners policy which was set up as mortgagee billed to ***************** ***** Bank.
  
  TIMELINE OF EVENTS
  6/7/2023 Agency received ************************* personal information and request for personal auto, homeowners, and personal umbrella quote.
  6/12/2023 Agency completed quoted process and emailed quotes to producer ***********************.
  6/29/2023 @ 9:48am - Received approval from *********************** to bind coverage for quotes offered. *********************** sent email to Personal Lines Manager ************************* to bind ****** quotes.
  6/29/2023 @ 3:36pm ****** does NOT want to bind umbrella policy, ONLY homeowners and auto policies. ******* sent an email to ****** to not bind umbrella but ****** had already submitted to ****** (the carrier).****** then submitted the umbrella cancellation to ******.
  8/24/2023 ******* received a call from ****** inquiring about umbrella refund. ******* sent an email to ****** asking about ****** return premium. ****** replied to ******* that the umbrella return premium had been credit to the account and that money had been applied to the auto policy premium. At this time, ******* also requested to add ******* son to the policy and to add a new truck. Due to ****** only allowing 4 vehicles per auto policy,an additional auto policy was written effective 8/24/2023.
  9/7/2023 ****** emailed *********************** with some questions about her policy.
  10/10/2023 ****** submitted a cancellation request directly to the insurance carrier, ******, via the ****** mobile app. We are unsure why the auto policies were not cancelled with the 10/10/2023 effective date. We are currently working with ****** to obtain more information and will update our response accordingly when we receive ******s response. ****** billing activity screen is attached with all account activity. 

  Business response

  02/16/2024

  Safeco Insurance has now processed cancellations for the two auto policies effective 9/30/2023 as previously requested. *********************** will receive a revised billing statement directly from Safeco Insurance with the cancellation credit and earned premium. Safeco Insurance has rescinded collections and removed any negative credit reporting. Thank you for bringing this to our attention and your patience while we worked to resolve. 

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