STATE FARM RESPONSE ON POLICY BOOKLET 4NOV20 12:26PM

STATE FARM RESPONSE 4NOV20 12:26PM RESPONSE TO EMAIL: Claim Number 55-06c6-44x INSURANCE POLICY BOOKLET DATED 3NOV20 9:30PM FOLLOW UP REQUEST FOR INSURANCE POLICY BOOKLET WOULD YOU PLEASE CLARIFY YOUR POSITION ABOUT THIS REMINDER WITH REFERENCE TO THE EMAIL FROM MR. EDDIE ATCHLEY. "The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter."   DENIALS AND ASSERTIONS NEEDED TO BE  SUBSTANTIATED, OTHERWISE, CRIMINALS MERE  SAYING EMPTY WORDS OF DENIAL AND STATEMENTS  WOULD NEVER BE CONVICTED. CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   I’m writing to acknowledge receipt of the email below along with other emails from you since my last response to you on November 3, 2020.   Attached, please find a copy of policy 77-C3-B499-7 issued to Miriam Brual and Rosalina Buensuceso with effective dates 11/07/2019 to 11/07/2020.   There is no requirement to provide a policyholder with a copy of the policy prior to preparing a denial letter in relation to a claim.  The denial letters prepared included the applicable policy language related to the denial of this claim.  Our denial of this claim remains unchanged and this claim file remains closed.  Please refer to our previous correspondence and email communications.  All conditions previously quoted still apply.   The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.     We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claims Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357.   As was communicated to you on November 3, 2020, we will not provide you with any other State Farm personnel’s email address.  All communication related to this claim will be directed to my attention for review.   Your emails contain allegations of misconduct. All such contentions are denied. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all rights under the policy and the law.    Sincerely,   Louis     Louis E Gueniot III Claim Team Manager State Farm General Insurance Company NOTE 1 :  Section 2695.5. Duties upon Receipt of Communications (e) (2) (e) Upon receiving notice of claim, every insurer shall immediately, but in no event more than fifteen (15) calendar days later, do the following unless the notice of claim received is a notice of legal action: (2) provide to the claimant necessary forms, instructions, and reasonable assistance, including but not limited to, specifying the information the claimant must provide for proof of claim; NOTE 2 :  ARBITRARY COMMENTS MEANT TO DERAIL THE NEGOTIATION PROCESS                  BUT WE ARE NOT STOPPING GOOD FAITH NEGOTIATIONS DESPITE MR. GUENIOT'S                     DISPLAY OF CONTINUING BAD FAITH MANIFESTATIONS.  "We will not provide you with any other State Farm personnel’s email address.  All communication related to this claim will be directed to my attention for review. "