ComplaintsforNYCM Insurance

• Initial Complaint

  11/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Went on their website to pay my insurance and I kept telling me wrong policy number which I didn’t understand since it came up automatically. Tried contacting them on the phone for days after waiting hours finally would hang up. Tried the 3rd day to make payment again now the website said my payment was wrong and actually this time they picked up phone fairly quick to tell me my policy was cancelled that’s why they didn’t except payment. They said they had no way of seeing how many times i went online to see me trying to make a payment Now because of this there’s a lapse in my insurance of a few days and make my rates triple through other insurance companies

  

  Business response

  12/01/2023

  This policy was written with NYCM Insurance on 8/18/2023. The insured failed to make payment by the cancellation date of 12:01 AM on 11/8/2023 and the policy was not reinstated. Please find a copy of the proof of mailing that was mailed to notify of the cancellation. 

• Initial Complaint

  07/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  To whom it may concern: This week has been a very disappointing and a stressful time for me over an $189 payment 2 days late. My policy was cancelled and regardless of my heartfelt pleas over the phone, no underwriter was willing to show a moment of compassion to help me. The effect of this is the doubling of my insurance premiums and putting my ability to commute to a new job (starting in August) in doubt. Yes, the notes in the file will tell you I received a payment exception in January 2023 and that my payment history has been "choppy" at best, which is all true. However, we are literally talking about 2 days and my offer of paying both July and August (as good faith) to reinstate the policy was ignored. There is a "Human" element here that is being ignored, which does not seem consistent with NYCM's caring culture. Kindly read and consider: I successfully ran an education Center in Williamsburg Brooklyn.for young children, most from disadvantaged backgrounds, since 2015 Unfortunately, the pandemic and forced closing of the Center and lingering effects thereof, made it impossible to keep the doors open. Obviously, this has had a devastating impact on me personally and financially. At 62, it is quite difficult to find suitable employment (more on that in a moment) and my unemployment eventually ran out as well. Regardless, the policy was current up until Sunday 7.16.23. The good news is that I finally have a firm offer of good employment starting in August, and the NYCM insurance payments would no longer be an issue. I am asking for one more exception, considering the above and effects of the pandemic on us all. I welcome your response and any need for more information, etc. The awards were well deserved, and I hope I can add to your positive story Best regards ***** * ***** ************ 

  Customer response

  08/03/2023

  After posting this complaint, I was contacted by NYCM's customer service department directly (email and phone calls)

  
  

  Although the situation was resolved with my car insurance reinstated, I was required to pay the balance of my yearly payments (6 months & $1013). This is a tremendous financial burden on me and a tough outcome as a single payment ($189) was a challenge. 

  
  

  Finally, to complete this episode, and to be fair, everyone I dealt with at NYCM has been pleasant and professional. I felt the customer service staff was legitimately trying to help me (although the underwriting staff was difficult). I am happy to remain an NYCM customer as their car insurance cost is reasonable and service has been good (including a good website) 

  
  

  This complaint should be considered withdrawn and/or resolved satisfactorily.

  
  Best regards

  ***** * *****

  
  

• Initial Complaint

  11/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We have a home insurance policy with NYCM for a while now. We received a Non-Renewal letter recently and the company listed “two losses”, one of them never occurred. Besides the fact that I need to shop for a new insurance company by Nov 18, (I wasn’t given enough time to do that. first I received a letter from my mortgage company that the insurance is about to expire and that they received a notice of non renewal. Why wasn’t I notified??) And I only got the letter on October 28. A. It’s painful to have to pay a higher premium now. B. It’s more painful to have to do so when the insurance company I was with isn’t willing to continue but throw me to the dogs with a false claim?! The first claim that have written is in Jul 2020 and I remember calling them to enquirer if my policy covers lighting damage to pool equipment. That was a question! A hypothetical one! Yet the insurance company decided to register that one as a claim on my record! I kindly asked to remove it off my record and send me a letter showing so that I can shop for a better insurance elsewhere. Yes there is one valid claim on my file. And that one happened in 2022. It was for a big leak damage in my house which caused us to move out of the house for a while. (that is why we have insurance.) however there is only one claim! The previous claim in 2020 isn’t a claim and they can easily remove it off my record! They refuse to! Why??? Just to antagonize my welfare to force me to get the most expensive insurance thereafter or get declined by other insurance companies ?

  

  Business response

  11/22/2022

  This policy was originally written effective 11/18/2019. The policy is being non-renewed effective 11/18/2022 because of losses which occurred on 7/8/2020 and 2/8/2022. Although nothing was paid on the loss in question, it is still an occurrence on their policy. 

• Initial Complaint

  12/21/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 10/26/21 , my granddaughter and I were on my way to a funeral when Philip S***** ran the light on East Main Street and Chestnut Street in Rochester New York. My car was turned in the opposite directions and both of my air bags were deployed and my car was destroyed. Mr. S***** left the scene and was arrested on 11/8/21 with 6 charges against him. I have been gong back and forth with NYCM to no avail. It is now two months later and because his insurance company(NYCM) couldnt get or wouldnt even try to get his statement, they denied me and I and my granddaughter were not compensated for the damage done to my car. I wanted to file for small claims only to be told that because he is incarerated, there is nothing I can do. I am not sure what to do at this point but would still like to see if there is anything I can do . Anything would help.

  

  Business response

  12/30/2021

  NYCM Insurance will pay damages for “bodily injury” or “property damage” for which any “insured” becomes legally responsible because of an auto accident. We are investigating this claim to determine our insured’s involvement and if they hold any negligence. Once we obtain the necessary information, we will move forward with this claim. 

• Initial Complaint

  12/02/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  There insured person let her daighter drive her car and slammed into my husbands car causing 10k in damage. We used our insurance to cover 30 days of rental and they are refusing to cover anyfurther rental amd my car id still in the shop. I was told i could use out of pocket and they may approve! They are a shady company and should cover the remaining rental costs.

  

  Business response

  12/07/2021

  This response acknowledges your letter dated December 02, 2021. NYCM Insurance is dedicated to fair claims settlement practices. After an accident, a 3rd party claim may be placed directly with us or the claimant can choose to file a 1st party claim with their own insurance company. If they choose to file a 1st party claim, their insurance carrier would submit a subrogation demand to our company for reimbursement of all monies paid on their insured’s claim. A claim cannot be placed with both carriers for the same accident. Should the claimant exhaust their policy coverage, they would need to pay out of pocket for the additional charges and submit all receipts to us to be reviewed once the subrogation demand is received. NYCM Insurance awaits the subrogation demand from the claimant’s insurance carrier along with the claimant’s out of pocket rental receipts. If any additional information is needed, please feel free to contact me. Very truly yours, Danielle M. B****** Claims Experience Specialist II ###-###-####

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