ComplaintsforRodney Young America Insurance

• Initial Complaint

  12/14/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On 08/11/2022. *************************** De La **** (Insured by the mentioned company) was involved in a car accident, He did a total damaged on my 2013 Dodge Grand Caravan. The result of the ****************** Report was that this insurance company needed to pay me for the damages.After several months of waiting for the money to repair for the damages, which never happened I had to called them and they lied to me saying that they mailed the check to Veros Credit. P.O.BOX ****** ********* **. 92150-9014. As a Today's date 12/14/2023 Veros Credit confirmed that Young American Insurance Company contacted them on Oct-19-2022 for the reason to certify that there were no lienholder on the title of the vehicle. Veros Credit told them the loan was totally paid off. Young America Company Insurance mailed me a check for the amount of $410.60 Here is all the information. State of ********** Uniform Crash Report # *********.Case # *********.Check information. Date 11/04/2022 Draft # ********* Claim # **-0000255654 Policy # **-736680835 Amount $410.60 Check # ******** Insured: *************************** De La **** I never cashed this check. What I am expecting from this, is to get paid for my vehicle and a compensation for all this time waiting for their careless actions. Thank you.

  Business response

  12/26/2023

  Hi,

   

  Please see attached company's response for complaint received.

   

  Thak You 

  Customer response

  12/27/2023

   I am rejecting this response because:They stated that they sent a check to Vero's credit and then realized that it was a mistake.  

  At this point I still do not see any effort to mail me a check, I only see that they are making more excuses.  
  For them it is just another claim,  for me it is more than that.  

  I  would like to hear that the check it is on my way and no more excuses at this point,  not after I had to reached them through BBB. 

  I appreciate your time. 

  Thank you. 

  ***********************;

  
  

  Business response

  01/03/2024

  Hi,

   

  Please see attached company's additional response to received complaint.

   

  Thank You 

  Business response

  01/05/2024

  Hi,

  Please see attached addition to response for complaint received.

  Thank You 

  Customer response

  01/08/2024

   Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  07/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Young America Insurance made me pay out of pocket for car rental fees for three weeks at an inconvenient time.Young America Insurance has also totaled my vehicle because of their refusal to pay for damages, even though I was not considered at fault. Young America Insurance also refuses to compensate me for my vehicles worth. I was even forced to pay total loss fees to have my vehicle removed from ******************.

  Business response

  08/08/2022

  YOUNG AMERICA INSURANCE COMPANY
  ********************************************************************************** Tel **************
  
  
  August 8, 2022
  
  Better Business Bureau of *******
  BBB Complaint Department
  ***************************
  550 ******************
  *******, ** 79901
  
  
  Case Number              : 17550901
  Regarding                   : ***********************
  Claim Number            : 95 218935
  Policy Number            : 95 441773003
  Policyholder                : *********************** III
  Date of Loss                : 4/6/22
  
  Dear ******************,
  
  **************** submitted his concerns to the Better Business Bureau and Young America received the complaint on July 14,2022. The complaint itself amounts to a two page, typewritten narrative, absent any supporting documentation. Please allow this letter to serve as our response.
  
  ****************, a first party claimant, submits a complaint based on what he perceives as a claim processing delay, combined with a secondary issue entailing a damage dispute, specifically rental expenses.
  
  The Company is pleased to report our review has determined the claim has been paid and closed. The matter has been resolved in total. The policy maximum has been remitted for rental coverage, and the insured was setup in a rental for thirty (30) days, the policy maximum. Enterprise has been paid the full sum. Furthermore, the insured has been paid for his collision damages on title release, providing the full vehicle value. Reasonable storage was paid, pursuant to the policy of insurance. No desired settlement has been indicated.
  
  YAIC regrets any potential delays where the processing is concerned and will be pleased to assist **************** with any additional concerns he may have.
  
  If ****************** has any questions that have not been answered by this letter he may contact ***********************, Claims Team Lead at **************.
  
  Respectfully,
  
  **********************************
  Complaint Specialist
  Phone: **************

• Initial Complaint

  02/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Police no. : 53 ********* Claim no. : ******* Claim adjuster: ******************************* - *****************-915-6293 The insurer/client of "Rodney D Young Insurance" hit my park truck & damaged the front end & cracked the windshield (as a star crack) in the mid-of 2015. "Rodney D Young Insurance" denied the claim for the damage, the reason was their insurer/client DID NOT cooperate with them. I had to file a complaint with the Department of Insurance a few months after the accident in order to have "Rodney D Young Insurance" agree to pay for the damages.When their adjuster looked at the damages, I also told him that "the windshield also cracks (as a "star crack" & it cracks more when it hits the first winter in the same year). But the estimate of the repair is less than half of what I got from 2 local repair shop estimates, plus does not include "windshield replacement".I requested "Rodney D Young Insurance" to send me the payout for the damages & asked them to include the replacement of the windshield (I also sent the photos of the damaged windshield) in late 2018. I still never receive the check from "Rodney D Young Insurance"."Rodney D Young Insurance" is dishonest, unethical & tries to do anything in order to take advantage of consumers. They need to send me the payment including the replacement of the windshield, price adjustment & accrued interest.P.S.: The adjuster came to the correct address but it looks like the address on the estimate is wrong. It's ***********************************, NOT *****".

  Business response

  02/28/2022

  Young America Insurance Company
  Home Office
  ********************************************************************************** TEL **************
  
  February 28, 2022
  

  ***************************
  Better Business Bureau of *******
  ****************************
  *******, **  79901
  
  
  Complaint Case#        : 16728912
  Consumer                    : ***************************
  Claim Number            : 659-1019
  Policy Number            : 53 356462426
  Policyholder                : *****************************
  Date of Loss                : 05/24/2015
  Third-Party Vehicle Owner    : *************************
  
  Dear ******************:
  
  On 02/04/2022, ******************************* submitted the above complaint to the Better Business Bureau. On 02/10/2022, our Company received the complaint.
  
  Young America Insurance informs the Better Business Bureau that we issued a new check as payment for damage to ******************************* vehicle,before the above complaint was filed. **************** has confirmed to us that she had received the above-mentioned new check as payment for damage to her vehicle.
  
  In the complaint, ******************************** on behalf Ms. ************************** the third-party vehicle owner, says that damage to the front bumper of her vehicle was caused by our insured in the above loss. **************** says that she told the Young America appraiser that the impact caused a star crack on the windshield of her vehicle that could possibly increase in winter conditions later the same year of 2015. **************** says that Young Americas estimate in the amount of $3,163.63 did not allow for windshield replacement and appeared to be half of the amount of estimates written by two local shops. **************** says than in 2018, she asked that Young America Insurance send a check as payment for damage to her vehicle. **************** says that she did not receive the check, because it was sent to an incorrect mailing address of ****************************************************** expresses that her correct mailing address is ************************************ *************** would like Young America to send a new check with allowance for windshield replacement, price adjustments and accrued interest.
  
  On 06/17/2015, 3 weeks after the loss, Young America Insurance was notified by **************************** on behalf of ************************** the third-party vehicle owner, of the above loss. On 06/17/2015, Young America adjuster ******************************* called **************************** our policyholder, but was unable to reach her so that we can verify permissive use for ******************************an unlisted driver of our policyholders vehicle. On 06/17/2015, Young America Insurance sent a letter ****************, as acknowledgement of our receipt of her claim. Our letter advised **************** the steps to submit a claim for damage to her vehicle. On 06/17/2015, ********************** spoke with **************** and secured her statement. **************** said that her unoccupied vehicle was parked along the street at ***************, when our insured failed to drive in a single lane,resulting in front bumper of our insureds vehicle making contact to the front bumper of ****************** vehicle. On 06/17/2015, Young America Insurance submitted a request for a copy of the police report through LexisNexis, an independent records recovery service. On 06/18/2015, 06/20/2015 and 06/24/20215,********************** called **************, our policyholder, and each time was unable to reach her so that we can verify permissive use for ******************, an unlisted driver of our policyholders vehicle, and so that we can secure Ms. ******** statement. On 06/25/2021, ********************** called ****************, and left a phone message for a return call so that we can advise that our investigation was pending permissive use from **************, our policyholder, and a statement from ******************, an unlisted driver of our policyholders vehicle.
  
  On 06/22/2015, Young America appraiser ********************* wrote an estimate in the amount of $3,163.63 for damage to ******************************* vehicle, a **** ****** Tundra 2D PU. ****************** vehicle, a 15 year old vehicle with ******* mileage, qualified for Aftermarket parts. The above estimate of $3,163.63 was written with body labor rate of $60.00 and paint labor rate of $60.00, the prevailing labor rates.
  
  On 06/25/2015, Young America adjuster ******************************* spoke with ****************, and advised that our investigation was pending a response from **************, our policyholder, so that we can verify permissive use for ******************, an unlisted driver of our policyholders vehicle, and a statement from ******************. On 06/26/2015, 06/29/2015, 07/08/2015, 07/09/2015,07/14/2015, 07/15/2015, 07/16/2015, 07/17/2015, 07/21/2015, 07/22/2015,07/23/20215 and 07/28/2015, ********************** called **************, and each time was unable to reach her so that we can verify permissive use for ****************** and ask that ****************** contact our office so that we can secure her statement. On 07/28/2015, ********************** sent a letter to ****************, advising that our investigation was pending a response from our insured. Young America Insurance advises that as of 11/30/20215, ************** and ****************** had not responded to our letters and phone calls asking that they contact our office to verify permissive use and secure Ms. ******** statement. On 11/30/2015, after our review,Young America Insurance accepted liability.
  
  On 11/30/2015, 12/10/2015, 12/16/2015, 02/01/2016 and 02/16/2016, Young America staff members called ****************, and each time left a phone message for a return call so that we can secure a copy of her driver license or other information of validation so that we can issue a check in the amount of $3,163.63, as payment for damage to her vehicle. Our claim records show that the above phone calls were not returned. On 05/09/2016 and 05/10/2016, Young America staff member ***************************** called ****************, and each time left a phone message for a return call so that we can secure a copy of her driver license or other information of validation so that we can issue a check in the amount of $3,163.63, as payment for damage to her vehicle. Our claim records show that the above phone calls were not returned.
  
  Young America Insurance advises that following our phone calls of 05/09/2016 and 05/10/2016, we had not received a response from ***************, until 10/10/2018, more than 2 years later, when Young America adjuster ************************* spoke with ****************, and advised that we were pending a copy of her driver license or other information of validation so that so that we can issue a check in the amount of $3,163.63, as payment for damage to her vehicle. **************** expressed concern that Young Americas estimate in the amount of $3,163.63 did not allow windshield replacement. **************** told us that a star crack on her windshield had increased due to winter conditions in 2015.************** advised **************** after we have had the opportunity to review the claim for damage to the windshield to her vehicle, we will contact her.
  
  On 11/01/2018, after our review, Young America adjuster ************************* sent a letter to ************************** the third-party vehicle owner, advising denial of the portion of the claim for windshield damage, due to damage to the windshield was unrelated to the above loss.
  
  On 11/01/2018, Young America Insurance issued a check in the amount of $3,163.63,payable to ************************** the third-party vehicle owner, as payment for damage to her vehicle.
  
  Young America Insurance advises that from 11/01/2018 to 12/01/2021, we had not received any communication from ************************** to advise us that the check in the amount of $3,163.63, as payment for damage to her vehicle, had not been received by her, until 12/01/2021, 3 years later, when we received her complaint filed with the ******** ****************************. **************** advised that the above check had not been received because it was sent to an incorrect mailing address of ************************************ **************** advised that her correct mailing address was ************************************
  
  On 12/14/2021 and 12/15/2021, Young America adjuster ***************************** assisted and called ****************, and each time left a phone message for a return call so that we can advise that Young America Insurance had submitted a stop-payment on the above check issued on 11/012018 in the amount of $3,163.63, due to she had not received the check. On 12/21/2021, after the stop-payment was verified, Young America Insurance sent a new check in the amount of $3,163.63, payable to ************************** as payment for damage to her vehicle.
  
  On 02/21/2022, **** supervisor *********************** spoke with **************** who confirmed to us that she had received the new check issued on 12/21/2021 in the amount of $3,163.63, as payment for damage to her vehicle. **************** advised **************** that regarding the portion of the claim for damage to the windshield for vehicle, our position of denial will remain due to the damage was unrelated to the above loss. Our records show that on 02/02/2022, the above new check in the amount of $3,163.63 was cashed.
  
  Young America Insurance advises that there was no delay by our claim staff in the handling of ****************** claim. Our investigation was prolonged due to *************, our policyholder, and ******************, the driver of our policyholders vehicle, had not responded to our letters and phone calls asking that they contact us so that we could verify permissive use and secure Ms. ******** statement. Had **************** responded to our phone calls of 05/09/2016 and 05/10/2016 so that we could advise that we were pending a copy of her driver license or other information of validation for her claim, on 05/10/20216, Young America Insurance could have issued a check as payment for damage to ****************** vehicle. As mentioned above, following our phone calls of 05/09/2016 and 05/10/2016, Young America Insurance had not received a response from ***************, until 10/01/2018, over 2 years later.
  
  Young America Insurance advises that the State of Missouris Statute of Limitation of 5 years for property damage has expired. Therefore, Young America Insurance would not consider any additional claim made by ****************, including her claim for windshield damage, price differences for parts to her vehicle and accrued interest.
  
  If *************** has any additional questions or concerns in this matter, Young America adjuster ***************************** can be reached at ************.
  
  Respectfully,
  
  *********************, III
  Complaint Specialist
  Young America Insurance
  Tel ************

  Customer response

  03/01/2022

   I am rejecting this response because:

  
  Young America Insurance "forget or intentionally forget to mention" that they denied my claim in 2015, the reason for denying my claim was "their insurer, ***************************, refused to **-operate with them. I had to file a **mplaint with the ******** **************************** in that year in order to get "Young America Insurance" to be responsible & pay me. 
  
  At that time I was inexperienced & did not realize the difference in price was because "Young America Insurance used "After-market parts". If I know at that time, the ******** **************************** will have "Young America Insurance" pay me with ******* OEM Parts" & including "Cracked Windshield" repair. 
  
  "Young America Insurance" is a below & sub-standard insurance **. I would not have a problem with this damage claim problem if it were "State Farm", "All-State", "Farmer Insurance", etc. an industry standard for insurance **.
  
  1. I never had any insurance ** asked for a **py of my driver's license in order to pay me for the damage claims.
  2. I never had a bad experience in filing a damage claim & get low estimates like "Young America Insurance"
  3. I never had an insurance **. denied my damage claim because their insurer did not **operate with them.
  4. I never had an insurance claim that my windshield damage was unrelated to the above loss.
  
  How do you know? 
  I do not have any cracked windshield when I purchased it or before this accident. 
  So where did I get the cracked windshield? 
  Not only does "Young America Insurance" take advantage by giving a low substandard estimate, "Young America Insurance" finds an excuse NOT to pay for other damage caused by this accident.
  
  5. Now "Young America Insurance" used the excuse of "it has been more than 5 years which pass the statute of Limitation" in order to deny the BIGGER PAYMENT FOR THIS DAMAGED CLAIM.
  
  Why I did not respond back in 2015 or 2016? Because I was NOT happy with the "Young America Insurance" settlement & practice which try all the tactics to take advantage of **nsumers & pay their victim as little as possible. 
  If I didn't give them a **py of driver license or **ntact them back, they do NOT have to pay their victim. 
  If they sent the check to the wrong address, they don't have to pay. LOL
  
  Please do something with this UNETHICAL BUSINESS LIKE  "Young America Insurance".
  WHY DON'T "Young America Insurance" HAVE ME TAKE A LIE DETECTOR TO SEE IF I TELL THE ***** ABOUT THE "CRACKED WINDSHIELD"?
  I DARE YOU!!!
  I also have witnesses who can testify that my cracked windshield is a result of this accident.

  Please have "Young America Insurance" pay with ******* OEM Parts" (when they damaged my OEM parts, not after-market parts) & include the damage of the windshield.
  
  Yes, I had to file a **mplaint with the ******** **************************** & many others for the 2nd time in Oct ********************************** **mmunication with "Young America Insurance".
  
  Too bad that English is my 2nd language, otherwise I **uld write it better than what I can write now.
  
  

  
  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩