March 18, 2020 Dear Sir, I write to you to request reimbursement of property damage to my vehicle which was rendered a complete total loss in a recent accident pursuant to the Collision Coverage that I purchased. In December, I was shopping for Auto insurance. Because my 2017White Mercedes-Benz C300 was financed through Chase, and it was required to be insured for collision. On 12-02-2019 at around 4pm, I received a call at home from a guy named Brian Toyota. He claimed to be an agent for Freeway Insurance. He ran his lowest rates speech, and then we went through my DMV history. At the end of it he gave me what sounded like a reasonable quote after I had answered all his questions. One of those questions was, Is the vehicle financed or Leased or is it owned? I told him it was financed through Chase Auto Financing. I told him I wanted no rental car and no uninsured motorist. But I did want collision. I had to have collision. Mr. Toyota broke it down to payments. Never mentioning anything about a Broker fee or that it would be reoccurring each month. I told him I wanted to try to get a few more quotes and discuss it with my Mother and I would call him back within 24 hours to decide and finalize if I chose him. I was led to believe he was the insurance itself. He proceeded to tell me that the insurance laws were changing on the 5th of December and if I did not get signed up and a deposit paid to retain today with him, that the insurance company that he gave me the quote from would not be good and that it would be at least doubled from what it was if not tripled. He also said there was a 75% chance he would not be able to even get me insured after they change the laws and rules. I told him I wanted him to explain this to my Mother as I suffer from Bipolar Disorder, ADHD, and PTSD, and I am officially disabled by the state of California. She could probably understand the importance of that statement more than I would. So I put him onspeakerphone, andd he proceeded to tell her all about the insurance rules and laws changing on the 5th of December 2019, in just a few days and how I probably would not be able to get insured with not just this company but any other ones as well. He basically scared us into thinking either sign up today or forever be uninsured. So I put a deposit down by credit card and started the policy. Brian Toyota did a lot of really fast talking and led me to believe that I was covered with what I needed at a fair price. Little did I know that I was not covered with what I had to have and the price was actually going up almost 200% as soon as I got off the phone. Later that night he emailed all the documents to me. As I looked through them and checked off things and initialed others, I noticed that there was no comprehensive and collision on my own car, a 2017Mercedes-Benzz C300, financed by Chase but initialized by my 10,000 in cash down and 4,000 in parts and of course Dog transportation accessories and safety equipment. OnTuesday,y December 3rd, 2019 I made my first call to the phone number Brian Toyota gave me to contact him at. There was no answer and I left a message that there was something wrong with the policy that he wrote and sent me the evening before and that he should contact me immediately. I called him 7 times over the next 24 hours with no success and no calls back. On December 4th which was my Birthday I was reading the paperwork that I was sent and noticed also that there were extra fees added into the insurance policy that I was not made aware of at the time he was going over numbers with me, so I called the other number he provided me to another department. I explained that I was missing the coverage I was told I was getting and that I needed to get it corrected. I asked if they could look to see if he charged me for the comp and collision. They told me that they did not have access to the file but that Mr. Toyota would get back to me as soon as he came back into the office, which would be the followingTTuesday,y December 10th, 2019. I asked if there was any way I could just come down to one of their offices and get it corrected and if any more money was needed I could just pay it right there and have it corrected. And did I even need to payanymoree because I still did not get an answer as to if he charged me for the rest of the coverage. I got switched around from one person to the next and spent most of my birthday on the phone trying to get it straightened out. But no one would tell me where exactly Brian Toyota worked. Some said Norwalk, Some said LA or Downey, and some said that he did not work out of an office as he was called a, GHOST AGENT. He was a, Satellite. I even got told that he worked out of whatever office he wanted to on any given week. But mostly worked from home. One thing was for sureEveryone I talked to seem to know Brian Toyota, and I was beginning to think that might not be a good thing. Not only was I on the phone every day from the 3rd until the 13th. But my Mother and my friend both were making calls to all the numbers that they had transferred me to in the last few days. On one of those days there were 3 of us on our individual phones from 9:30 am until 1:30pm. We all got the same blow off and told that Brian Toyota was AWOL from work and that several people were calling and looking for him (see footnotes). 31 phone calls documented with names and numbersALL BEFORE DECEMBER 13th. . THE ACCIDENT occurred on Friday the 13th of December. I was on my way to drop the car off at the body shop when it happened. I had made over 31 calls to my supposed insurance Broker and had tried to take money to whomever they wanted it to go to. I had alerted them to the mistake in the policy and requested that Comp and Collision coverage begin immediately, that was on the 3rd and every day after that up until the 13th at 1pm. I think and I know full well that I did my due diligence in attempting to get someone at Freeway Insurance to correct the mistake and get the car covered. IT is solely on FREEWAY INSURANCE BROKERS AND THEIR EMPLOYEES, with what has happened due to their failure to help a custom That is exactly what NEGLIGENCE AND BAD FAITH IS.. (KEEP IN MIND HE CHARGED ME FOR A COMPLETE FULL term of months OF COMP AND COLLISION AS IT INCLUDED THE MONTH OF DECEMBER, THATs ADMISSION NUMBER #3!!I) I then left and called my Claims Adjuster and let him and Elinay Moulais know that it was now backdated correctly. My Claims Rep Oswaldo Lopez, sent an email to Freeway Insurance Brokers, to confirm the paperwork. Meanwhile, on January 8th, 2020 I received the final copy of the policy from the underwriters and it confirmed and reflected that I was backdated and I was covered on my car. My Attorney reviewed the paperwork and the policys and has confirmed that I was covered. Furthermore, I was entitled to change and add to my policy when necessary in a reasonable amount of time which I was not afforded. Also Freeway Insurance Employees circumvented me. Blatantly and with total disregard for the safety and the integrity of Chase Auto Loans. Any one of them could have changed or added to my policy and taken my money. Because it was financed they were required to in a reasonable amount of time such as 48 hours NOT 17 or 20 DAYS. I made every effort to correct YOUR mistake. My Mother and my friend made independent efforts to do the same. (See complaint you closed on 2-12-20 without ever really looking into it). They spent hours on the phone having to argue with 15 to 20 of your companys employees over something you should have jumped to correct. So for you to even attempt to deny ANY OF WHAT IS CONTAINED IN THIS LETTER INSURANCE COMMISSION COMPLAINT ..And ..EMINENT LAWSUITis laughable. You have over 60 reviews from your past victims, which made the mistake of having anything to do with you and each and every one of them wants in on a class action suit against both Freeway Insurance Brokers and National General. Amongst other violations and ethics National General committed Felonys by deliberately not recording witness statements and then having the audacity to claim that witnesses said or did not actually say. You falsified at least one witness statements. You both have acted in Bad Faith on many levels. There has been Breach of Contract, and Freeway has been double billing me. And then there is the $430 money order that was delivered to the Winston Salem Address and never returned to me. The other driver was at fault for this accident. She made 2 or 3 illegal lane changes and was driving in a reckless and unsafe manner. She forced me over and into the curb and left me NO WAY OUT OTHER THEN THE WAY I WENT. Then she shortstopped without any warning or signal. I am taking NO liability for this accident. It was December 13th 2019. Its now March 16th 2020 and you people have not been investigating shit. You are stalling. I want my car either fixed or as it has been declared a total loss, a check cut for the total loss so Chase is off my back. I want a supplemental check in the amount of $5000 for the stress, hassle, and expenses you people have caused me. And I want a complete and total refund of my money paid to both of your companies. You have 15 days to comply. And if the Insurance Commission is smart, they will shut you down not just based on what you have done to me, but to at least 60 others. April 3rd, 2020 is your deadline. You either cover me under my policy which is valid. Or you admit her fault and cover it. As you know, if a person is covered by Collision, it makes no difference who was at fault in the accident. Well, I am not at fault. BUT, in addition to that I have in my possession two documents from National General clearly stating and validated as such from my Attorney, that I had Collision Coverage at the time of the accident. If you refuse to cover the property damage loss under Collision Coverage, then I will sue you for BAD FAITH. As you know. In a BAD FAITH CASE. PUNITIVE damages are available. I suggest that you do the right thing, honor your contract, and pay for my damages within 14 days. Otherwise, if you do not, I will have my attorney nail you for BREACH OF CONTRACT AND BAD FAITH. I will also report everyone involved here to the State Department Insurance Commission. I would appreciate it if you decide by April 3rd. Thank you for your time and consideration with this matter. Respectfully Submitted, Robert Snyder
User's recommendation: Do not go anywhere near them or.