RAMARAJ's complaint:
July 18, 2013

Insurance Company: 21st Century
Coverage Type: Auto/Boat/Motorcycle

• Underwriting - Premium Too High
• Underwriting - Forced Placement
• Underwriting - Unfair Surcharge
• PolicyHolder Service - Incompetent Employees
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Abusive Service
• PolicyHolder Service - Unfair Negotiation

Accident happened on 11/28/12 at 5:30 PM. Policeman issued a ticket after verifying my license (RENGASWAMY RAMARAJ) in my wife's name (LAKSHMI RAMARAJ) without noticing who involved in the accident ( ticket for a wrong person). Suspected wrong approach of the person who hit my car by SUV (BUICK ENCLAVE) and he was claiming for a high level scratch at his side bumper, no body will believe such a high level scratch caused by a very small car (My car is a small car SUZUKI SX 4 / at very low bumper level sratch and my car had only minimal scratches for $100. He hit my car and broke my bumper and claiming for his old accidents. I went to traffic court on 1/8/13 and told judge that this person hit my car and did not understand who was on the road prior to him (hit with uncontrolled speed. Judge looked at driving records and found no accidents for the past 21 years he cancelled all the points. For claims to contact their individual insurances company. I alrady report this to my company next day of the accident. My company did not contact me for 7 months and suddenly sent a increase premium notice. I request not to pay for wrong claim of the other person. He waited for 7 months and asked my insurance company. What did he do for 7 months. 21 st century never called and asked me about this incident and this is not right. They cannot decide themselves without gettting my permission. This company no need to pay for his old accidents and I am not responsible to pay increase premium rate. I have been contacting my insurance company for the past 5 days and they say "no adjuster here to answer your call".

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