ProAlliance Insurance

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PitiquitoRosy

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dry heat said:
Of course we have a current rainstorm as we speak so who know which clients have policies in force (in the event of a claim).
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Again: MAPFRE doesn't offer weather-related coverage. Only MAPFRE policies have been affected. Of the thousands we have, so far there are only 12 that went unpaid. I don't doubt we'll find more, and even one is too many, but we are auditing to find them. If you have weather coverage, you're with ACE and therefore, no problem.
 
dry heat

dry heat

Pigeon coup coordinator
Have previous years premium for policies been collected and not applied? Or is this singular to 2014 only?
Has your agency ever created policy #'s in office that are not valid policy's?
Would you have any problem with clients calling the carrier directly to find out the status of their policy?
 
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PitiquitoRosy

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playaperro said:
Someone needs to make a police report on this before more people get burned and she runs to Cancun with the others before her.
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Jajajaja...I guess it was just a matter of time. What others? Why the hell should I leave RP when my reputation is just now getting interesting? Look, I'm not making light of the problem, but holy crap...some of you are over the top. As it stands right now, I'd be setting up in Cancun with less than $3k. This 'life of crime' isn't very lucrative, is it?
 
brokenwave

brokenwave

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PitiquitoRosy said:
Hi BW, did you finally get your policy? Do let me know.
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Hi Rosie,
Paty told me on Friday that the amendment to my policy will be done this week and I will pu the policy
when I'm in Penasco next week,
I will also pay you for my car insurance that's due on the 19th.
Glad you came in and calmed this thread since it was getting very interesting .
I figured you would as I said in my post on the 24th.
See you next week. How was Cancun? LOL.
 
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PitiquitoRosy

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brokenwave said:
Hi Rosie,
Paty told me on Friday that the amendment to my policy will be done this week and I will pu the policy
when I'm in Penasco next week,
I will also pay you for my car insurance that's due on the 19th.
Glad you came in and calmed this thread since it was getting very interesting .
I figured you would as I said in my post on the 24th.
See you next week. How was Cabo? LOL.
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Cabo? I thought I was in Cancun? Lol! Thanks. Actually, everyone at Las Palomas was way easier on me than I would've expected. To date we've only lost one client. Sorry to see it happen, but if it tightens things up at the office...then all was for good.
 
dry heat

dry heat

Pigeon coup coordinator
Honestly Rosy,
You sound supper cocky considering that this situation is very serious. For one, a claim could have easily happened during this time and would you be in a position to pay several thousand dollars out of pocket (ex. a fire). All I have heard are defensive excuses and pride with comments about how you provide the best service. I don't think this is a time to talk about how great your service is when untold # of policy holders have cancelled policies, have paid money directly to you and it was all found out by a resort or client calling the carrier. Thus it leads to the question... how long as this been going on for? Making light that the amount we are talking about is not much... does not bode well for you.
 
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PitiquitoRosy

Guest
dry heat said:
Have previous years premium for policies been collected and not applied? Or is this singular to 2014 only?
Has your agency ever created policy #'s in office that are not valid policy's?
Would you have any problem with clients calling the carrier directly to find out the status of their policy?
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Look, I've already stated that I was disappointed in the way Mapfre handled this. I think they underestimated me and they underestimated my clients and the relationship we have. I talked to them at length about this.

As yet we've been focused on answering inquiries, tightening up our internal process and calling clients to inform them and offer them new policies. Not all the renewals have been with ACE. several have been with MAPFRE. Once we're over the immediate hurdle I intend to find out whether anyone in my office did anything intentionally wrong or innocently mistaken. But, the responsibility is mine and I understand that. Believe me...I'm the one on the front line. Sorry It took me so long to hit this forum...but there were fires to put out.

In the last year we've had a turnover of 3 employees and the death of one associate at Mapfre who was our go-to guy. This would not have happened if he were here, but he isn't. Again, it's my responsibility and I'll make it right.

With this many people calling Mapfre, I don't think it matters how I feel about it. I'd like to think that our clients can ask us directly, but understand that people are pretty used to getting ripped off. If there is a policy that isn't valid, I will extend the same offer. Refund or new policy.
 
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PitiquitoRosy

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dry heat said:
sorry, the lawyer in me...

"My lawyer fired off a certified letter to them and we began the tedious audit process and the notification of clients who were affected."
Why would your lawyer send a letter to the resort? Was the resort not accurate about policies canceling?
It appears that some forum members on here have found out their policies were cancelled... would you suggest those questioning the status of their policy to contact the carrier directly?

You mentioned that the condo business is not lucrative since the avg. premium is $150. Yet you mentioned that you have several thousand clients... one would venture to guess that even if a small percentage of these clients has a condo policy, the total is a decent amount based on $150 per unit. This leads me to my question... Have policy #'s ever been typed up on a policy by your office? Has every policy # listed on the policy been issued by the carrier?

If funds where sitting in your bank account and not wired to the carrier, would you not notice the additional funds?

Thank you in advance.
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dry heat

dry heat

Pigeon coup coordinator
Has your office ever created policy numbers on declaration pages (policies)? Are all policy #'s issued by Mapfre valid Mapfre policy #'s?
Are these issues only related to 2014 or has this happened in previous years (funds not applied to valid policies)?
 
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PitiquitoRosy

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The letter was sent specifically to the person who signed their original letter to owners and to the general manager. I took issue with the fact that everything from the Subject line down was alarmist and sent to ALL clients, not those with problems. I have had problems with them before over their efforts to sway the insurance business. In my opinion it would've made more sense for them to call me and inform me of a problem...but they opted to blind-side me. When my daughter and I were robbed in a Las Palomas rental, I didn't post it here, talk about it on the radio, etc. I let the GM handle it and trust they got rid of the employee. Remind me sometime to tell you guys that story.

As I've already stated, anyone can verify their policy however they feel comfortable. Either way we've got to identify the ones that aren't valid so I can make that right.

For a lawyer, you should listen better. I didn't say the insurance business for condos isn't lucrative. I said that thievery wouldn't be lucrative at $150 a pop when the thief runs the risk of having to pay for claims out of his loot. Seems like a losing proposition.
 
dry heat

dry heat

Pigeon coup coordinator
hahaha... your funny.

Since you are happy to answer questions...
1. Do you know if Mapfre has opened an investigation into your practice?
2. For someone who appears supper confident, why have you not suggested that clients call the carrier directly?
3. Has your agency ever made up policy #'s?
4. Has your agency been collecting funds from clients and not applying to policies only in 2014 or has this involved prior years?

I am surprised your attorney has not advised you to keep off these forums.
Unfortunately even after all your posts... something is still off.
 
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PitiquitoRosy

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Derek said:
Is this typical with most insurance companies in Mexico to have a certain percentage of policies slip through the cracks? It seems that if there was a major claim you'd have a great deal of exposure. Isn't there a computer program that would help with employee incompetence or other excuses?
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I don't think it's typical at all, Derek. The software I've found has been developed for US insurance laws. We'll be implementing some changes to eliminate the possibility of this happening in the future. Believe me...I have no intention of going through this again...From now on all clients will receive their policy and the receipt showing payment to the underwriter.
 
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