Long Island Insurance Company

On July 25th, 2010, I was involved in a car accident. Long Island Insurance told me to rent a car while they fix my car. They did pay for my car to be fixed, but never reimbursed me the money for the rental plus the tow fee I had to pay. After several months that I've been calling them, I found out they had run out of business, but promised me that they would reimburse me my money within 30 days.

Now it's been over a year since the accident and I haven't gotten an answer from them, not even less my $1,600, and to make it even worse their phone is no longer in service. They never reimbursed me my money.

I purchased an insurance policy with Long Island Insurance Company through a broker, Eastern General Auto Insurance, Buffalo NY. My policy covers roadside assistance, towing and a rental car when involved in an accident. On October 7, 2009 my car was in an accident on the I198. I have been calling the insurance comnay every day and have not even recieved a claim number. I have called every day since october 7, 2009 and have not recieved an answer, or a call back.

I was told that I had to submit my reciepts and get reimbursed and have not even recieved a fax number. Today is october 15, 2009 I have asked to speak with a supervisor and have been hung up on, I have left numerous messages and have not recieved a call back as of yet. All I originally wanted in the beginnning was to recieve reimbursement for the services which I have been paying for, at this point I am ready to persue some legal action.

My 2002 BMW, while parked in front of my house, was involved in a hit and run on Saturday morning, July 30th. I was not aware of the accident because I was in the house sleeping. When I came outside I noticed the entire passenger side of the car was sideswiped.

I called my insurance company Long Island Insurance Company (located at 425 Broadhollow Rd, Melville NY 11747) that morning but the office was closed; I called again on Monday, August 1st to process the claim and spoke to Carrie who informed me that the adjuster would contact me later in the week. On August 3rd I spoke to Anthony Corso, the adjuster for the company, and informed him that the Habberstad BMW Collision Center in Huntington was towing the car to their location on Thursday, August 4. I spoke to Anthony again on Monday August 8th and he stated that the total of the claim was $11,143.00. He asked me what day was the car hit - was it the 31st, I informed him 3 times the car was hit Saturday morning, I dont have a calendar in front of me to confirm the date I just know it occurred on Saturday morning. He asked what time was the car hit, I told him I didnt know the exact time it was hit, and I only knew that I parked the car between 4:00 and 5:00 AM. Then he informed me that there was a time issue because BMWs have a 16 minute time out, as per his boss, where 16 minutes after the car is turned off if hit the air bags wont deploy.

I reiterated to him that I didnt know what time the car was hit because I was in the house and his 16 minute theory is irrelevant. He informed me that the SIU Department would contact me in a day or two (no one from this dept has contacted me as of yet). After my conversation with Anthony I called BMW Collision Center to verify Anthonys statement. I spoke to Debra who spoke to the BMW Service Center manager who informed her that there was no such 16 minute time out mechanism in my car. After my phone call to BMW I found out that what Anthony told me was false. Debra also informed me that it seems as if this insurance company was trying to find a technicality so that they didnt have to pay the claim. I then also located a calendar and saw that Saturday morning was July 30th. I called Anthony back and left a message on his voicemail informing him of the correct date of the accident and the fact that my car did not have a time out on the airbags. I called the Long Island Insurance Company on Tuesday August 23rd and spoke to Carrie to find out the status of the claim she informed me that they needed the License #s of my sisters, I told her I didnt have that information because they both no longer live here and have moved out of state (Mavis moved to Melville a few years ago after getting married and now currently resides in Pennsylvania and Sheryl moved out a few months ago to Queens and now currently resides in Georgia.).

She then informed me that another problem they were having is they didnt have a picture of the side the car was hit on and they think I purchased the car hit. I told her that was ridiculous and that she can check with the dealer if they think the car was hit. She agreed with me that she stated to them why would she purchase the car like that, that doesnt make any sense. She told me Anthony would give me a call back the next day because he was out of the office, Anthony did not contact me. On Thursday August 24th Gregory Knispel, a senior claims adjuster, from Richard Blaise & Associates came to my home to get a written statement. On Monday August 29 I was informed by BMW that my car was ready. I called Long Island Insurance Company to find out the status of the check for the claim. I first spoke to Carrie who looked at my folder and said they needed my sisters license numbers, I informed her for the second time that they moved out of state and I didnt have that info. She put me on hold and came back to the phone to inform me that Anthony said because I didnt have it that means that I am not being cooperative and oh well about the claim.

I then requested to speak to Anthony who informed me that the station that took the pictures for the full coverage insurance is now being investigated. I asked him how long would it take for this claim to be processed because it has been over 30 days, his response was I dont know and I cant give you an estimate time, when the investigation is over I will contact you and I cant answer any more questions. He informed me that the CEO, John Koerner, was involved because the claim doesnt look right. I asked him for the name and number of the CEO and he informed me that he doesnt speak to insureds.