ComplaintsforPearl Holding Group, Inc.

• Initial Complaint

  08/27/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Unanswered

  More info

  Ocean harbor insurance company hasnt paid me for the property damages to my car or the other car involved in the accident My car was totaled by the person who is insured by this insurance company the other car hasnt been paid yet the red light runner caused a 3 car accident. June 15th 2024 his insurance company paid my passenger $500. For property damage she didnt have any property damages she was only a passenger. My car and the *** have been waiting since the accident to get paid the insurance company will not respond to me or the other vehicle owner My car is gone and I dont have a dime from the insurance company. Im going to physical therapy 3 times a week since the accident I have 7 vertebrates in my back out of alignment even the attorney cant get ahold of this insurance company Im lost trying to find answers Please help me its been a nightmare ocean harbor casualty policy P020093174401 Claim number S3461370-03-8850 Insured ****** *****

• Initial Complaint

  08/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  I was in a car accident and it makes ******************************************************************************************** back and now my children having a hard time getting around I will never get this insurance again))

  Customer response

  08/25/2024

  Its been 16 days and my vehicle hasnt been repaired yet I have children that have to be back and forth to work aswell.!

  Customer response

  08/25/2024

  Its been 16 days and my vehicle hasnt been repaired yet I have children that have to be back and forth to work aswell.!

  Customer response

  08/25/2024

  Its been 16 days and my vehicle hasnt been repaired yet I have children that have to be back and forth to work aswell.!

• Initial Complaint

  08/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  I was in a car accident in February 2023 it is now August 2024 and the case is still not finished even after my car being deemed totaled and my insurance agreeing to pay out to the lein holder. The case is still in process because the adjuster that was appointed to me ******** ******** is not doing her job as she should and hasnt since this case started. She has made this case harder to settle than it needs to be by repeatedly ignoring me and or the lawyers handling the case on my behalf. The insurance is supposed to be paying the lien holder and that has not been done yet nor was it explained why until I called to get explanation. The bank has been waiting for paperwork from the insurance company (pearl holding) to be able to send a correct letter of guarantee which is what the insurance company needs to be able to pay the lein holder. Even though the adjuster was in communication with people from the bank it took me calling in myself on my on terms to get the paperwork sent to her directly. She has now received the paperwork needed to have the insurance send the payoff to the lein holder. And again like she has multiple times before all communication has randomly hauled on her end completely. Ive emailed several times and have gotten no response. This is holding up my case and has made this process take longer than it needs to.

• Initial Complaint

  08/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I am writing to express my dissatisfaction with the lack of deadlines and the unsatisfactory manner in which the claim process for the insurance indemnity is being handled by OCEAN HARBOUR CASUALTY INSURANCE COMPANY. Since the initiation of the request, we have faced significant delays in communication, with many evasive responses and unclear deadlines for resolving our ************ date, we still have no solution or estimated completion date, which has led to several issues, including storage costs for the damaged vehicle, which now exceed $800.00 and are charged by the company housing our vehicle. OCEAN HARBOUR CASUALTY INSURANCE COMPANY has claimed it will only reimburse $300.00 of this amount.Given the facts, as policyholders, we request that OCEAN HARBOUR CASUALTY INSURANCE COMPANY clarify and provide defined deadlines for the approval and payment process of the claim coverage, as well as reimbursement of the total storage costs charged by the company responsible for storing the vehicle. To date, the insurer has not provided us with instructions or further guidance regarding the claim.We await a formal and urgent response regarding the above.Sincerely,Joo ***** M ********** ******************************** Lions Pre-Owned Cars

• Initial Complaint

  08/15/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  PAYABLE DOC SIGNED DOCUMENTS ALTERED STATING BEING SUBMITTED TO FINANCE COMPANY INSTEAD OF ACCORDING TO MY DOCUMENTATION. THE ENTIRE INSIDE JOBS WORKING FROM HOME BUDDY ****** PUTTING ME ON HOLD. KEEP ASKING FOR MORE DOCUMENTATION.

• Initial Complaint

  08/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  I am insured with Ocean Harbor. My policy number is P020058371105-02929. I was involved in an accident on April 04, 2024. I was not at fault. I sustained airbag injuries and was taken to the hospital and both vehicles were towed from the scene to the police impound yard. The other driver was ticketed. I called several times to file a claim and was unable to because their system had been down since the middle of March. On April 17, 2024 Ocean Harbor was notified that I was seeking property damages for my car through my policy. They requested and received the police report and medical. I did not hear from anyone until April 26 asking to verify if I would be seeking damages through the other party that they already knew on the 17th I would not be. I called and left messages for the adjuster at least 3 different times and never heard back from anyone. During this time my car was accruing storage fees daily while waiting to be picked up or seen by an adjuster only to find out no one ever came!! Ocean Harbor did not return any calls or messages which ultimately lead to the tow yard to sell my car at auction this leaving me on the hook for the entirety of my car loan with **************** at ********* and a lien against me for the balance of the storage fees after the sale of my car for ******!! When I tried to email the claims department my email gets kicked back saying error occurred or invalid email address! I have been without a car since April! I am a single Mom and I cannot be without transportation. I am beside myself. How did this happen?? I cant ever get a live body on the phone and thats after being on hold for an hour and a half only to be disconnected! I was under the impression my car was a total loss. The insurance I pay for should have covered me and my coverage in my car loan could have also covered me and I would not be responsible for ****** plus a lien had Ocean Harbor responded to my messages. They need to reopen my property claim and fix this!!

• Initial Complaint

  08/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I WAS INVOVLED IN A CAR ACCIDENT ON 07/10/2024 THE CAR THAT HIT ME WAS INSURED BY EQUITY INSURANCE A COMPANY OWNED BY PEARL HOLDING GROUP. THE RIVIERA BEACH FL POLICE WAS CALL AND A REPORT WAS WRITTING SITING THE OTHER DRIVE FOR CAUSING THE ACCIDENT. I RECEIVED AN EMAIL STATING MY CLAIM HAS BEEN DENIED FOR THE FOLLOWING 3 REASONS:1. THERE ARE NO INDEPENDENT WITNESSES 2. NO VIDEO OF THE ACCIDENT 3. THERE ARE CONFLICTING STATEMENTS IN THIS LOSS. I HAVE TRIED TO REACH MY ADJUSTER *********************** AS WELL AS HER SUPERVISOR ***************** VIA PHONE CALLS AND EMAILS TO NO AVAIL. THERE ARE RED LIGHT CAMERAS AT THE INTERSECTION WERE THE ACCIDENT TOOK PLACE, OFFICER ************ SPOKE WITH ME AND THE OTHER DRIVE STATING HE WILL PULL THE FOOTAGE AND TAKE A LOOK AND SEE WHAT ACCUALLY HAPPENED. MY GOAL WAS TO SPEAK WITH MY ADJUSTER REGARDING THIS RED LIGHT CAMERAS POSTED THERE. MY CLAIM NO. IS E3470135 IT HAS BEEN A MONTH AND STILL NO RESPONSE FROM HIS INSURANCE COMPANY. NO ONE EVEN CALLED TO SPEAK WITH ME REGARDING THE ACCIDENT AT ALL. I FEEL THEY ARE OPERATING WITH BAD FAITH INSURANCE AND DENYING CLAIMS FOR NO GOOD REASONS. AS I HAVE DONE MORE RESEARCH, I SEE THEY HAVE BAD RATING AND REVIEWS WHEN IT COMES TO PAYING CLAIMS AND COMMUNICATING WITH INDIVIDUALS WHO RIGHTFULLY HAVE CLAIMS THAT SHOULD BE PAID.

  Business response

  08/22/2024

  PEARL HOLDING GROUP
  P.O. Box 452799
  Sunrise, FL 33345-9966
  _________________________________________________________________________________________
  Date: August 22, 2024 
  BETTER BUSINESS BUREAU
  SERVING *****************
  ***************************
  *******************************
  
  RE:      Claim No                     :           E3470135-02-9999 PD
              Our Insured Name      :           *********************************
              ID No                            :           22121813
              Your File Name           :           *****************
  
  Dear Sir/ *************** must respectfully submit that Equity Insurance has denied liability for this loss. This decision is based on two key factors: conflicting statements provided by our insured and ************, and the police report. The responding officer did not issue a citation nor assign fault, citing a lack of witnesses and insufficient evidence to conclusively prove that ******************** reversed into ************.
  
  Rear-end collisions are typically indicative of the trailing drivers responsibility to maintain a safe following distance and was not adequately attentive to the traffic conditions ahead.
  
  If additional information or evidence becomes available, we are open to reevaluating our position.
  
  
  Respectfully,
  
  *****************
  Claims Vice President
  ************* ext : 170

• Initial Complaint

  08/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am writing to express my dissatisfaction with the handling of my car accident claim, which occurred on July 20, 2024. I understand that their office was not available on the weekend, so I made the claim as soon as possible on Monday July 22nd. Since filing the claim, I have been calling your office daily to get i[dates on my vehicle, but it has now been three weeks, and I have yet to hear from the assigned adjuster. Despite leaving multiple voicemails, I have received no return calls or any meaningful communication regarding the status of my claim. Additionally, i am highly frustrated by the lack of a rental car provision. I was informed that your company does not provide rental cars, and the reimbursement offered is only up to $20 per day for a maximum of 10 days. This amount is inadequate and does not cover the actual cost of a rental car, leaving me without reliable transportation. I have already provided all the necessary documentation, including the police report for the accident, yet my claim remains in a "pending" status with no clear explanation or timeline for resolution. I find this situation to be both unfair and unprofessional, especially considering that I am paying $263 per month for this insurance coverage. I request that this issue be addressed immediately, with clear communication from the adjuster and a resolution to my claim. I also expect compensation for the inconvenience and lack of service I have experienced.

  Business response

  08/21/2024

  PEARL HOLDING GROUP
  P.O. Box 452799
  Sunrise, *******; 33345-9966
  _________________________________________________________________________________________
  Date: August 19, 2024 
  BETTER BUSINESS BUREAU
  SERVING *****************
  ***************************
  *******************************
  
  
  RE:      Claim No                     :           S3471790-01-83 COLL
              Our Insured Name      :           ***************************
              Your File Name           :           ***************************
              ID No                           :           22116044
  
  Dear ************************ be advised that Ocean Harbor has maintained consistent communication with ******************* throughout the claims process. We understand that he is dissatisfied with the coverage he selected for his vehicle, specifically regarding the rental reimbursement policy. As stipulated in his policy, the rental reimbursement coverage for collision incidents provides 10 days at $20.00 per for a max of $200.00.
  
  Our adjuster called ******************** on 07/22/2024 and left a voicemail requesting a call back. On 07/26/2024, we received a call from ******************** asking for the status of his claim, and he was advised that we were pending the pick-up of his vehicle from the tow yard as well as the long form police report or driver statement. On 07/29/2024, we received a call from ******************** asking if we had picked up his vehicle. He was advised that we were pending the inspection of the vehicle. On 07/31/2024, we received another call from ******************** asking about the status of his claim, and he was advised that we were pending review of the estimate and the long form police report. On 08/02/2024, our adjuster received the long form police report, and coverage was cleared. On 08/05/2024, we received a call from ******************** asking about the estimate of his vehicle, and he was advised that based on the amount of the initial inspection, his vehicle would be deemed a total loss, and we were pending approval of the vehicles valuation.
  
  We determined Mr. ********* vehicle to be a total loss on 08/08/2024 and extended a total loss offer to him on the same day. Subsequently, on 08/16/2024, we received the letter of guarantee from his lien holder, which allowed us to submit the file for final review and payment.
  
  
  Respectfully,
  
  *****************
  Claims Vice President
  **********************

• Initial Complaint

  08/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  My car was hit by a person insured with Pearl Holding. I had to get a rental while my car was being fixed. I had to pay out of pocket and they suppose to reimburse me once car was fixed. Car got fixed I emailed them invoice from Enterprise as well as talking to my adjuster ***********************. She stop answering phone to give me updates and I left several messages with no return call. This week after being transferred numerous times I learn she does not work there anymore and I should talk to ***************************** and she said my claimed had been closed and for me to talk to supervisor to get it open back up.Left message to supervisor but no return call. My thing is if *********************** left company why werent her clients assigned to someone else instead of having me continuously call to be transferred back and forth to several people that only transfer me to same people that couldnt help me. My bill of $238.98 was emailed to ****************************************************** The new lady ***************************** wouldnt even check to see if my email had been received.My claim # is S3440985. This has been going on since June with no response. I am 70 and retired and living on fixed income. I really need this money back. Thank you in advance for at lease hearing my problem. My name is *********************. ************ / *********************

• Initial Complaint

  07/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was involved in motor vehicle accident in November of 2023 and the driver who struck us provided their policy coverage information, backed by Ocean Harbor Casualty. Ocean Harbor Casualty refused contact from myself directly multiple times as well as from refused contact from ***************** Car and is now claiming months later after follow up that we have given them "no notice of loss or delay notice" and disclaiming coverage. The accident report deemed the driver covered by Ocean Harbor Casualty at fault and they are attempting to get out of paying for the damages to the vehicle. Upon contacting other professionals who have worked with Ocean Harbor, they have confirmed that this company has some of the most shady, clandestine, and unethical business practices within the insurance vertical. Opening this case to protect other drivers here in ******* from the fraud being attempted on this matter.

  Business response

  08/19/2024

  Please provide the claim and/or policy number for review so that we may address the customer's concerns. We are unable to locate the claim with the information provided.

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