Ronald's complaint:
February 05, 2013

Insurance Company: The Travelers Companies
Coverage Type: Auto/Boat/Motorcycle

• PolicyHolder Service - Inadequate Reimbursement
• Claim Handling - Delays upon Delays
• Claim Handling - Unsatisfactory Settlement/Offer
• Claim Handling - Unjustified Accusations
• General - I feel abused by this company

My complaint is against First Acceptance Insurance Company, Inc. of Nashville TN. Their policy holder backed into my 2012 Nissan Quest Van on November 20, 2012. After the police report was sent to them a series of long delays and unanswered phone calls and emails ensued. I contacted them several times, sending at least 2 copies of the police report they requested but in late January their agent said they did not have such copy so they based their damage claim at 50% of what their free-lance adjuster had compiled. This estimate was less than $200 of which I never received a copy, whereas my estimate from a local paint and body shop was $449 plus the cost of renting a vehicle for the time required to repair my vehicle. I received a check from Acceptance on January 30, 2013, months after the accident which I am not planning to cash until a fair settlement is offered. Their agent claimed I was partially responsible for the accident however the police report contradicts this. It clearly stated I was stationary waiting to merge into traffic and their policy holder backed into my van. Another surprise was the fact that Acceptance has no claims office even close to our area, only sales offices. Another claim by Acceptance was they could not contact their policyholder yet she lives only a few blocks from the sales office. My uninsured motorist deductible is higher than the damages so Travelers Insurance Co. will pay nothing. My only recourse is Acceptance which up to this date (February 5, 2013) has refused to budge from their position. Since their claims office is in TN and not Ohio, making direct face to face contact is all but impossible. I am also looking into the possibility of reporting this agency to the Ohio Insurance Regulators and have already filed a claim against them with the Ohio BBB.

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