After receiving the second denial letter from Amex Assurance Company and our subsequent phone call with Brittany deSousa, we figured we had no other option that to file a complaint with the State of Oregon Insurance Division, the regulatory agency in the state we live in.
A quick perusal of their online database lead to the discover that Amex Assurance Company is registered with the Insurance Division and therefore, the Insurance Division has some clout in working for the consumer (us) and getting the insurance company to pay. After hearing our story, a wonderfully helpful lady by the name of Gail promised to process our complaint immediately and send an inquiry to Amex Assurance Company. We faxed the information to Gail and the Division on June 2nd and Gail explained the insurance company has 30 days to respond.
The information sent to the Insurance Division consisted of copies of all documentation and a chronological summary of what had happened. The documentation was referenced in the summary, referring to specific documents as "Exhibit A," "Exhibit B" and so on.
As close to a lawsuit as possible, which is the impression we wanted to give Amex Assurance Company. If we can't get anywhere with the Insurance Division, we're planning on just taking the documentation we sent the Insurance Division and filing a small claims lawsuit in our local county. Hoping we don't have to take it that far, but we're pretty upset with American Express and at this point, will take it the distance.
What's cool if we do have to go to court is that Amex Assurance Company is registered with the State of Oregon and American Express is as well. What that means is that we can easily name both companies in the lawsuit and serve them via Registered Agent CT Corporation System in Salem, Oregon.
Fingers crossed we don't have to go the distance, but we're prepared for it.
No comments:
Post a Comment