Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 8 DATED 13OCT20 10:34PM

OCTOBER 13,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 8   WILL YOU STILL CONTINUE  YOUR  UNFAIR CLAIMS SETTLEMENT  PRACTICES, VIOLATING THE  REGULATIONS BY THE INSURANCE  COMMISSIONER? Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU TO THE REGULATIONS ADOPTED BY THE INSURANCE COMMISSIONER ABOUT  subdivisions (h)(5)(13) of Section 790.03  790.03. The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance. 790.03. (h)(5)(13) (h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. THE FACT THAT YOU IMPRESSED UPON US THAT ON APRIL 30, 2020 YOU HAVE ALREADY SENT THIS DOCUMENT, SPECIFICALLY 790.03. (h)(5)(13), TO MY DAUGHTER, MIRIAM BRUAL, IT IS THEREFORE, OUTRAGEOUSLY REPREHENSIBLE FOR YOU TO CONTINUOUSLY KNOWINGLY COMMIT OR PERFORM THESE UNFAIR METHODS OF COMPETITION AND UNFAIR AND DECEPTIVE ACTS OR PRACTICES IN THE BUSINESS OF INSURANCE IN VIOLATION OF THE REGULATIONS ADOPTED BY THE INSURANCE COMMISSIONER.   QUERY 8   WILL YOU STILL CONTINUE  YOUR  UNFAIR CLAIMS SETTLEMENT  PRACTICES, VIOLATING THE  REGULATIONS BY THE INSURANCE  COMMISSIONER? Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

STATE FARM INAPPROPRIATE RESPONSE 46 DATED 13OCT20 6:29AM

INAPPROPRIATE RESPONSE 46 RESPONSE TO EMAILS: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 45 DATED 12OCT20 4:39PM Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 7 DATED 12OCT20 5:11PM DENIALS NEEDED TO BE SUBSTANTIATED,  OTHERWISE, CRIMINALS MERE SAYING EMPTY  WORDS OF DENIAL WOULD NEVER BE CONVICTED. NOTE : INAPPROPRIATE RE, MR. GUENIOT  AS USUAL, A LAZY RESPONSE RESPONDING ONCE TO TWO EMAILS WITH DIFFERENT SUBJECT MATTER AND DISCUSSING ISSUES OUT OF THE SUBJECT BEING RESPONDED TO.  CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   I’m writing to acknowledge receipt of the email below along with a second email from you also received on October 12, 2020.   A legible reproduction of Section 790.03 (h) and (i) was included with our April 30, 2020 letter to Miriam Brual.  A copy of that letter with Section 790.03 (h) and (i) is attached.   A legible reproduction of Sections 2695.5, 2695.7, 2695.8 and 2695.9 can be found at the California Department of Insurance Internet Web site www.insurance.ca.gov.  A copy of those Sections obtained from that web site are attached.   Please refer to our previous correspondence and email communications.  This claim file remains closed.  All conditions previously quoted still apply.   Your first email received on October 12, 2020 contained 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