Business ProfileforMerchants Insurance Group

Unsatisfactory Settlement/Offer Details Of Complaint: Insurer habitually delays answering claim in regard to pertinent communications (including supervisors, department executives, company executives), insurer habitually deflects or refuses to answer inquiries regarding formula used, insurer has not followed proper guidelines to resolve claim ie: using more than one commissioner approved resource, insurer devaluing loss vehicle value beyond what a fair and reasonable individual would expect to receive for total loss, insurer refuses to appoint new adjuster after clear and concise grievances with current adjuster are brought to the attention of multiple departments in multiple districts, insurer does not follow own company policies, insurer does not use substantially similar vehicles to use in comparison, insurer paints insured in negative light within company thus limiting the insured to be treated fairly, insurer does not communicate within guidelines set forth in adminastrative code for every 30 days nor does insurer clearly explain the issues in letter, no letter so far at 65 days later after claim opened, insurer does not make information available to insured in online claim file (even contact to insured still says Pending which is obviously incorrect). Notable reasons for complaint from section above that apply; Agent Handling Claim Delay Claim denial of certain coverages Delays/No Response Information Requested, not received, deflected, not acknowledged. Misrepresentation of policy coverages UNSATISFACTORY SETTLEMENT/OFFER (NOT ACCEPTED, but currently under duress by insurer now that I have made 2 additional payments towards total loss vehicle, a 2nd quarterly payment towards policy premium, multiple thousands in expenses to operate business normally.)