Business Profile

Insurance Companies

Combined Insurance Company

Complaints

This profile includes complaints for Combined Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

303 total complaints in the last 3 years.
103 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

Initial Complaint
Date:06/06/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Put in a disability claim and they don't wanna paid
Business Response
Date: 06/14/2024
June 14, 2024

Better Business Bureau
***********************************************
*****************

RE: YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

********************* has reviewed the customers inquiry to your office and the adjuster has contacted the customer directly today by phone to discuss the claim- left a voicemail message on the claim status as well as invited to return call at the phone number provided for any questions. A follow up letter explaining the claim handling in detail was also sent today. As soon as the information requested from the medical provider is received and the review is completed, our ***************** will contact and advise the customer accordingly.
As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Life Insurance Company of ********
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:05/31/2024
Type:Product Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
We had an insurance policy with Combined Insurance (policy no. V1689578) that we canceled on April 17, 2023. A confirmation email from Combined stated that policy premiums wouldn't be collected any longer starting May 2023. Yet collection continued until December 2023. The total amount of overpaid premiums is 7x$169.34=$1,185.34.My wife called Combined several times (December 29, 2023; February 19, 2024; March 21, 2024; May 31, 2024) and the response has been the same all the time: the refund was requested but nobody was able to tell us if the refund check had been approved or mailed out.Today, I called as well and spoke to a supervisor named '****' (she would refuse to tell us her last name) and she told me the exact same story and that she would call us next week Thursday, June 6.
Business Response
Date: 06/10/2024
Hello. Please review the attached response for BBB Complaint ID No. ********. Thank you.
Customer Answer
Date: 06/10/2024

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.

Sincerely,

***********************
Initial Complaint
Date:05/28/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Chubb workplace benefits submitted an injury claim via phone for me in late December 2023. The supervisor that I spoke with confirmed that I would receive a check in the amount of $702. To this date, I have never received the check. I've called several times and I'm consistently being told that the representative I spoke with is no longer with the company. Every representative says they will expedite the information to a supervisor. The last time I called, (about 3 weeks ago) I advised that I would be contacting the BBB if I had not received payment.
Business Response
Date: 06/05/2024
Hello. Our response for Complaint ID No. ******** is attached for your review.
Thank you.
Initial Complaint
Date:05/28/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
--On January 24, 2024, I called to cancel my supplemental ******** coverage. No issue, just found a lower priced option. Representative said no problem and it would be effective Feb 1.--I called repeatedly and asked that they stop. Finally, a rep gave me the following case numbers:cancellation #: 2787217ZOY9BO refund #: 2787226Y5VOTI --In Feb, Mar, and April, an automatic payment was taken from my bank account anyway. I called Bank of America to stop payments and request reimbursement.--In spite of this, I got cancellation warnings from the insurance company. I called again and was told, don't worry about it. Just ignore it.--now Bank of America says the insurance company is saying the policy was never cancelled and will be removing the credit they gave me for the premiums.PLEASE HELP
Business Response
Date: 06/17/2024
June 17, 2024

Better Business Bureau
***********************************************
*****************

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that we have completed our review of the details noted in the inquiry to your office and contacted the customer directly. Consumer Service Investigations reached out to the customer by phone today- discussed the correct cancellation date of the policy, the premiums deducted from the account, and the correct premium refund amount as it relates to the monthly premiums successfully deducted from the account. And we extended our apology for any concerns or inconvenience they may have experienced regarding this matter.

As it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that the customers inquiry has been addressed accordingly.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:05/22/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been a customer with ***************************************** for 8 years. I have two policies with them, one being an accident policy that is there to supply me with funds if something happens that prevents me from working and/or puts me in the hospital. April 13th I broke my leg and filed claim number ******** shortly after. I received no confirmation of my claim and according to their website my claim is not active. I have reached out by phone multiple times and every time I am assured that my claim is active and that I will be contacted within the next 48 hours. I was sent a link by email to be used to upload documents from the hospital but that email is the only communication they have sent to me. I have sent them the required documents from hospitals starting over a month ago and I have not received any benefits or returned phone calls from them.
Business Response
Date: 05/30/2024
May 30, 2024

Better Business Bureau
***********************************************
*****************

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office. The Adjuster contacted the customer by phone on May 28, 2024, and left a voicemail message advising of the claim payment. A follow up letter was also sent on May 29, 2024, explaining the claim handling in detail and apologizing for any concern or inconvenience the customer may have experienced in this matter.

As the release of policy information specifically regarding claims is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this matter has been addressed accordingly.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:05/22/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Good afternoon,I have filed a disability claim on 03/27/24 and I still dont have a resolution. My Claim Number is ********. I am a single parent of a 6 year old and 23 Weeks pregnant. My adjuster has not called me not once.Because of certain health problem that my doctor diagnosed me with in March 2024 I can not work. I do not have any income since March to pay bills or even to buy food. I am stressed out even more because of this process. Combined Insurance is stating they are waiting on documentation but how is it possible that documentation is requested 2 month later and not in the beginning. My Doctor, my Employer and myself filled out all necessary documents in March. I will need to get paid for 3 months of disability or I will lose my apartment and be homeless pregnant and with a 6 year old child.I need help they are only giving me a runaround.
Business Response
Date: 06/03/2024
June 3, 2024

Better Business Bureau
***********************************************
*****************

RE:          YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Our ***************** has reviewed the details noted in the inquiry to your office. The adjuster contacted the customer by phone on May 30, 2024, apologized for the delay and explained the claim status; that all information has been received and the claim is actively being reviewed for a determination. The customer understood. A follow up status letter was also sent on May 31, 2024.

As soon as the review is completed and a decision is made, the adjuster will contact and advise the customer accordingly. We extend our appreciation to the customer for her patience and understanding.

As the release of policy information specifically regarding claims is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 06/03/2024

Complaint: 21745810

I am rejecting this response because:
Even though my adjuster who is not responsible for my disability claim has contacted me, we did not find an resolution. Your company only delayed the process by calling me and telling me you need time to review. Based on working with Insurance Companies, you have ***** Days to notify your client about a claims decision. If you need more time you need to notify your client within those 45 Days. That never happened. This claim is been going on since March with me having no income. You are holding up the claims payment because of an past due payment on the policy, which you could easily per my policy deduct from my claims payment. Additional information for the claim should have been requested in beginning of April and not end of May. The claims process time is not appropriate. And phone calls are just a delay of the claims process, phone calls never end with your company resolving the issue only with telling me you would work on it.

Sincerely,

*********************************
Business Response
Date: 06/11/2024
June 11, 2024

Better Business Bureau
************************ 2000
*****************

RE:          YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your follow up correspondence regarding your ID Number referenced above.

Our ***************** has completed the claim review and has responded directly to the customer. The adjuster reached out to the customer by phone today and advised of the claim handling/payments.The customer understood and thanked the adjuster for the call. The ***************** and the adjuster also sent separate follow up letters, providing a detailed explanation of the claim handling. The letters will arrive shortly.

As the release of policy information specifically regarding claims is prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. **** assured that this matter has been addressed.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******/******
Initial Complaint
Date:05/08/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
February 2022 I made an accident injury claim with Chubb Combined Insurance, which was paid (Claim #********).I have been a customer for 5 year in good standing.November 2023 I required surgery from the same accident and I made a supplemental claim. This required me to mail in documentation from the hospital and doctor.Patiently I waited to hear from Combined Insurance to acknowledge they had received the documentation and began the supplemental claim. Finally on 04/10/25 @ 3:04 pm I called and inquired on the supplemental claim status. I request to speak with a supervisor after not receiving an adequate response from the call taker. I spoke with ******** who assured me that they had received the documents I had sent in. She confirmed receipt of the documents and said that everything was with the claims adjuster, *********************. ******** said that she would expedited my claim and understood my frustration about the lack of communication.She said I should finally receive a call from ****** within 48 hours. I did not receive a call.On Friday 4/19/24 @ 0938 I called back into Combined Insurance to seek information as to the delay and why I had not been contacted yet. I Spoke with another supervisor, *******, again and I was told my case had been escalated again, and the claims adjuster, *********************, would call me but could not say when. I never received a call.On Tuesday 05/07/24 @ 0900 I called Combined Insurance once again seeking information as to the status of the claim and why I had not received a call? I asked to speak with a supervisor and once again spoke with *******. She checked for updates on escalation case and advised that it was still being reviewed by the claims adjuster. @ 0940 I request to speak with ********* supervisor and I was forwarded to the escalation team supervisor ******. She advised that she was escalating my complaint to her supervisor and asked to please allow 48 hours for the review. I patiently agreed
Business Response
Date: 05/16/2024
Hello. We are writing to you to provide our response for Complaint ID No. ********. Thank you.
05/16/2024

BETTER BUSINESS BUREAU OF CHICAGO Entered directly into online complaint response portal
******************
SUITE 2000
************; IL 60601

RE: BBB Complaint Case No.: ********

Dear Sir/*****,

Your correspondence dated 05/08/2024, has been received regarding the Complaint Case # referenced above.

As claim information is protected, we are unable to provide claim details to your office. Instead, we contacted our **************** directly for a response letter which has been sent directly to the Claimant. Their letter dated 05/15/2024 was mailed to the address on file.

On behalf of Claims, please convey our apologies to our Policyholder for any concern or inconvenience they may have experienced. Based on the Policyholders feedback (regarding delays with the claim handling), this matter has been brought to the attention ***************** for review and appropriate action.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations

Task #: 289791
Initial Complaint
Date:05/06/2024
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have had 4 policies for over 24 years. I have called over 5 times trying to get an agent to call me back. They keep telling me I'm on the escalated call back each time and that an agent will call me within 72 hours it's been over two weeks now and I cannot get an agent to call me back.
Business Response
Date: 05/17/2024
May 17, 2024

Better Business Bureau
***********************************************
*****************

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that we have reviewed the details noted in the inquiry to your office. We have contacted the customer by phone on May 14, 2024. Our **************** has also reached out to the customer directly by phone and an appointment for a meeting was set up today- May 17, 2024.

As it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that the customers request has been addressed.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 05/20/2024

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.

Sincerely,

***************************
Initial Complaint
Date:05/02/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have recently been discharged from the hospital on several occasions pertaining to a concussion that I sustained from striking my head, upon completion of hospitalization I submitted the proper paperwork and records to the insurance company {COMBINED INSURANCE A CHUBB COMPANY} on or approximately 2/20/2024 the claim number is # ********, since that time I have had numerous conversations with customer servce via the phone, the reponse has been the same, "your claim is under review and also telling me my case is being processed and I should recieve payment any day, it should be noted that I have been a client of this company for approximately 20 years and the company has been fine in the past, I supspect this company has changed hands or something worse as it appears very out sourced and not so honest about your claim, representitives are very difficutlt to understand with the languge barrier present, also your calls are not returned, I'm seeking payment on my claim and investigation as to this companies legitimacy after all these years since I have noted the same complaints with so many others on your site from this company, supposedly I was assigned a insurance adjuster name *************************** on 3/11/2024 and case forwared on 3/19/2024, I was told 10 bussiness days to process and have heard nothing since that time even with numerous calls to the company, this situation is totally disgracful, we consumers loyally pay these insurance companies for bad times and have many bills to pay after being hospitalized, would someone please be able to help with these people and get to the bottom of why there are so many complaints of the same nature and by all means please see that my claim is proceesed.
Business Response
Date: 05/15/2024
May 15, 2024

Better Business Bureau
***********************************************
*****************

RE:          YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Our ***************** has reviewed the details noted in the inquiry to your office. The Adjuster contacted the customer by phone on May 3, 2024 to advise of the claim payment but was unable to speak with the customer. On May 8th, the customer called the ******************** seeking claim status and he was then informed of the claim payment. During the call, the customer provided additional information regarding the claim for the loss.As such, the claim was again referred to Claims for a thorough review. In the meantime, a letter has been mailed explaining the claim payment made on May 3rd and advising that a separate letter will be sent regarding the inquiry mentioned on May 8, 2024.

As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 05/24/2024

Complaint: ********

I am rejecting this response because: Dear Sir, I am writing in connection with complaint #********, regarding a recent correspondence received from your company. While acknowledging the response, I must express my concern regarding the discrepancy in the payment status of the issued check. Regrettably, the payment was erroneously categorized under sickness rather than accident, despite assurances to the contrary during a conversation with an agent named ****** from the Combined company. It has come to my attention that the medical records associated with this claim may not have been thoroughly reviewed. Allow me to clarify that the incident in question, wherein I sustained an injury to my head preceding my hospital visit due to a severe headache, was documented on page #** of the medical records during discussions with one of the attending surgeons. Furthermore, it is pertinent to note that my initial claim was filed under the category of accident, as duly indicated on the claim application. Regrettably, despite these clarifications, there has been a lack of substantive progress or communication from combined insurance end. I wish to emphasize that this matter remains unresolved and cannot be considered concluded until such time as the claim is processed accurately and promptly under the appropriate category of accident insurance. The previous resolution, as it stands, is inadequate and fails to meet the standards of service expected from the Combined insurance organization. For your convenience, I have obtained a copy of the relevant medical records, which I am prepared to furnish upon request. Additionally, please be advised that the issued check remains unopened and will not be deposited until this matter is satisfactorily addressed. I trust that you will give this matter the attention it warrants and expedite the necessary actions to rectify the situation. Your cooperation and prompt response in this regard will be greatly appreciated. Yours sincerely, *************************

Sincerely,

*************************
Customer Answer
Date: 05/24/2024

Complaint: ********

I am rejecting this response because:
I am writing in connection with complaint #********, regarding a recent correspondence received from your company. While acknowledging the response, I must express my concern regarding the discrepancy in the payment status of the issued check. Regrettably, the payment was erroneously categorized under sickness rather than accident, despite assurances to the contrary during a conversation with an agent named ****** on 5/8/2024 from the combined company., to date there has been no further response.

It has come to my attention that the medical records associated with this claim may not have been thoroughly reviewed. Allow me to clarify that the incident in question, wherein I sustained an injury to my head preceding my hospital visit due to a severe headache, was documented on page #** of the medical records during discussions with one of the attending surgeons. Furthermore, it is pertinent to note that my initial claim was filed under the category of accident, as duly indicated on the claim application.

Regrettably, despite these clarifications, there has been a lack of substantive progress or communication on the combined insurance end. I wish to emphasize that this matter remains unresolved and cannot be considered concluded until such time as the claim is processed accurately and promptly under the appropriate category of accident insurance. The previous resolution, as it stands, is inadequate and fails to meet the standards of service expected from the combined insurance organization.

For your convenience, I have obtained a copy of the relevant medical record page # **, which I am prepared to furnish upon request. Additionally, please be advised that the issued check remains unopened and will not be deposited until this matter is satisfactorily addressed.

I trust that you will give this matter the attention it warrants and expedite the necessary actions to rectify the situation. Your cooperation and prompt response in this regard will be greatly appreciated.

Sincerely,

*************************
Business Response
Date: 05/31/2024
May 31, 2024

Better Business Bureau
***********************************************
*****************

RE:          YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your follow up correspondence regarding your ID Number referenced above.

We have forwarded the customers additional information to our ****************** and it is now being reviewed as an Appeal.The adjuster contacted the customer by phone on May 29, 2024 - left a voicemail message regarding the claim. A follow up letter detailing the claim handling was also mailed today.
As soon as the appeal process is completed, the ***************** will make a final determination and the customer will be advised accordingly. Please extend our appreciation to the customer for the continued patience and understanding.
As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******

Customer Answer
Date: 06/04/2024

Complaint: 21655424

I am rejecting this response because:
I'm declining this response because: There's further documentation from two hospital admissions subsequent to the initial one, indicating symptoms related to the accident. These hospitalizations, along with the history of intermittent headaches and their exacerbation after hitting my head on the night of the accident, support my claim., it should be noted that on the morning of my accident I was not and had not experienced any type of recent symptoms in relation to headaches, The delay in filing these additional claims is due to previous advice to wait until the initial issue was resolved. I'm concerned that these additional claims won't be promptly processed without BBB backing. Currently, I support upholding the appeal process and wish to proceed with the investigation.
Sincerely,

*************************
Business Response
Date: 06/11/2024
June 11, 2024

Better Business Bureau
************************ 2000
*****************

RE:          YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your June 5, 2024, follow up correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has completed the review/appeal process as indicated in our previous letter and has responded directly to the customer. On June 7, ******** adjuster reached out to the customer by phone and advised of the final determination. The customer acknowledged and thanked the adjuster for the call.The ***************** also sent a letter dated June 10, 2024, providing a detailed explanation of the claim decision. The letter will arrive shortly.

As the release of policy information specifically regarding claims is prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. **** assured that this matter has been addressed.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******/******
Initial Complaint
Date:04/30/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Combined Insurance received a hospital and accident claim in January 2024 for an accident which occurs in October of 2023.At that time I was given an adjuster whom I was to send my claim form and continued medical claims to. I mailed All the forms and faxed the same information to the adjuster. Twice and finally after six months Combined sent me payment for the ** portion only.The Combined agent spoke with manager then Directors who told me my case would be expedited and I would receive payment for my accident and no one has not followed through. April of **************************************************************************************************************************************** January 2024, and had sent all claim forms, medical records, Doctors forms signed off on, ** reports, physical therapy records This company has been side stepping and pushing off any payments stating they are reviewing sending my information to someone else to review and expedite my payments to me. Combined Insurance manager and Director keep telling me over and over again that they are sending my claim to be expedited and I will receive payment soon. Combined Insure however has not failed to draw their payments from my Bank account expeditiously every month.
Business Response
Date: 05/09/2024
May 9, 2024

Better Business Bureau
***********************************************
*****************

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and responded directly to the customer. The Adjuster contacted the customer by phone on May 8, 2024 and advised of the additional payment. A follow up letter was also sent, explaining the claim handling and apologizing for any concern or inconvenience the customer may have experienced regarding this matter. The letter will arrive shortly.

As the release of policy information specifically regarding claims is strictly prohibited, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this inquiry has been addressed accordingly.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******

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