Update: August 29, 2009
On August 28, 2009 I received the following information in a letter dated August 26, 2009 from the Illinois Department of Insurance, which is governed by Governor Pat Quinn of Illinois. The letter states, in part, "...The Department of Insurance acknowledges the receipt of your consumer complaint. Complaint Number IL09-09803 has been assigned to your complaint. The complaint process is a formal process and the insurance company, health maintenance organization or producer that is the subject of your complaint is allowed a specific amount of time by law to respond. Upon receipt of the response, a complaint analyst will review your complaint along with the company response and determine if any violations of the Illinois Insurance Code or Illinois Insurance Regulations have occurred. You will be notified in writing with the results of the investigation...."
Update: August 18, 2009
I received information from an AAA Member Select employee that part of the criteria used by the Illinois Auto Insurance, and is sanctioned by the Illinois Department of Insurance, is that your auto insurance policy can be canceled if you meet the standard of "claim frequency". As in my case, this means your auto insurance can be canceled even if you were not responsible for the accident. For example, in one of my "claim" reports my car was parked and the windshield was broken. I made a police report, sent the paperwork to Springfield Illinois, and did not file a claim with AAA Member Select but it was counted against me. Another example is my Toyota Camry was rear ended by another car on the expressway/freeway. I filed a police report, sent the paperwork to Springfield Illinois and did not file a claim with AAA Member Select but it was counted against me. My wife and child suffered injuries but we used our health insurance to get services so that our auto insurance would not be increased. This is what we get for being honest. There must be a strong lobbyist unit working with the Illinois Department of Insurance for this travesty to continue to burden all Illinois drivers. The taxpayers of Illinois continue to suffer under the tyrannical regime of politics and lobbyist. Contact your local and state representatives, alerting them to your circumstances regarding auto insurance rates and cancelations. We must get out and vote.
August 17, 2009
Director of Insurance
Illinois Department of Insurance
320 West Washington Street
Springfield, Illinois 62767
Re: AAA Member Select Insurance Company – Cancellation of policy
Director of Insurance:
I, Fred Nance Jr., appeal the cancellation and/or non-renewal of AAA Member Select
Insurance policy. The basis for this appeal is as follows:
On or about August 6, 2009, I received the Notice of Nonrenewal from AAA Member
Select stating in part “…This action is being taken for the following reason(s): We are unable to identify all household drivers. We are unable to continue your insurance due to the following claim(s): 03-06-2009, Darlene, $0; 02-17-2009, Fred, $4254.73; 11-10-2008, Parked, $0; 08-13-2008, Fred, $1530.30 (still open); and 08-14-2007, Randi, $2190.84…This action was based in whole or in part on information contained in a consumer report. The consumer-reporting agency did not make the decision and cannot explain why it was made….” (attached)
This is an erroneous action. First, AAA states they are unable to identify all household drivers. There are only 2 people with driver's license in this house located at xxxxx xxxxx xxxxxxx, xxxxx, Illinois, which are registered with the State of Illinois, that is, Darlene and Fred Nance Jr. Both are listed on AAA insurance as the primary and only designated drivers of the 4 vehicles insured.
Second, Randi (my daughter) and Christopher (Darlene’s son) are occasional drivers with addresses registered with the Illinois Department of Motor vehicles in Calumet City (Randi) and Chicago (Chris), respectively.
Third, I began receiving services from AAA Member Select on or about March 12, 2007 covering a 3 vehicles, that is, a 1997 Mercury Tracer, a 2006 Toyota Camry and a 2006Nissan Sentra. My premium payments were calculated at $201.36. This was for a 6-month period from March 12, 2007 to September 12, 2007. On or about September 12, 2007 my premium payments were $215.40. This covered services to March 12, 2008. Premium payments for March 12, 2008 to September 12, 2008 was $225.75. From September 12, 2008 to November 12, 2008 I paid $225.75.
On or about November 1, 2008 I received a premium statement for 4 vehicles, which included a price increase for a 2008 Toyota Camry (Lease vehicle) and 2005 Cadillac owned by Darlene. Darlene turned in her leased 2006 Toyota Camry for a 2008 Toyota Camry. My premium increased to $333.75. This increase covered November 12, 2008 to March 12, 2009. From March 12, 2009 to August 12, 2009, I have paid a premium of $333.75.
If I calculate these numbers I have paid AAA Member Select $7,644.06 in premiums since March 12, 2007. Now, AAA Member Select wants to cancel my auto insurance because they have paid out a total of $6,445.57. There is a $1,198.49 difference in payments I have made. AAA Member Select is ahead.
To allude to a case that is in litigation (open) as a means or reason to further justify their actions is ludicrous. This “open” case has been calculated to cost AAA Member Select $1,530.30, which could be compared to the $1,198.49 that I have paid in premiums.
For the record, I did not know having a person who is not insured on the title of an automobile made me liable for any cause of action. In the past, I had my mother, Charlie Mae Nance, on the title to the Mercury Tracer (Founders Insurance, Northwest, Safeway, etc.). She is no longer on title. I took her off title when the car was paid off. My mother assisted me in purchasing this car in 1997. That is why she was on title.
I never had an auto insurance company request my mother be on the insurance because she was on title. Therefore, when Darlene purchased the Cadillac and had her son on title it did not alert us that he had to be covered by our insurance. Besides, Christopher lives in Chicago and has a Chicago address on his driver's license.
When we added the car to our insurance I informed Ms. Lisa Moore of all details of the car as I always do when adding a car to the insurance. I am not sure if I sent the information by fax or hard copy, the bill of sale or whatever documents are needed to add a car. The official documents for the Cadillac clearly reveal Christopher's name on it. I know AAA Member Select does not add cars to a current insurance without documented proof that the car belongs to the insurer.
Someone from AAA should have objected at the time insurance was requested for the Cadillac. It should not have come at a time where AAA wanted to cancel my insurance because of it.
When I talked to Debra of AAA on August 13, 2009 she told me that the notice of cancellation I received was void, and that it was a mistake as illustrated by the information she had on her computer.
Nevertheless, on a side-bar note: I feel as though I am being targeted or retaliated against by AAA Member Select for addressing issues concerning the repairs of my automobiles, or the part AAA is playing in addressing my concerns about the repairs to my automobiles, such as the Lemon Law against Toyota and Nissan. Individuals at AAA are aware of these events and circumstances against Toyota and Nissan.
Any claims that I have filed with AAA did not cost AAA more money than my monthly premium would not cover. In addition, I have went out of my way to make sure that AAA was not charge monies for accidents that would have burdened AAA, such as medical cost not covered immediately by another insurance company after an accident. It is well documented with your company, such as the accident to the Toyota on I94 where AAA Member Select states in its August 4, 2009 report (attached) regarding a “0” payout for March 6, 2009. We did not file a claim with AAA when it was clearly the mistake of the other driver. There were no medical claims made against our AAA insurance account in this accident that was clearly the other vehicle’s fault.
Wherefore, I respectfully request this office to evaluate this case, and permit a hearing in this matter, Instanter.
Respectfully submitted,
Fred Nance Jr., PhD Human Services
cc:
http://clickforjusticeandequality.blogspot.com/
Ms. Lisa R. Moore, AAA Member Select Sales Representative
