2014 and Post 08.23 Estate Emails ERIE Examples

From: postmaster@NETORGFT4176332.onmicrosoft.
com
To: Preston Grafton Insurance
Subject: Delivered: FW: voneckartsberg condo policy.pdf. One more thing.
Date: Monday, February 1, 2021 1:51:24 AM
Attachments: FW voneckartsberg condo policy.pdf. One more thing. .msg
Your message has been delivered to the following recipients:

Preston Grafton Insurance (pg@prestongraftoninsurance.com) <mailto:pg@prestongraftoninsurance.com>
Subject: FW: voneckartsberg condo policy.pdf. One more thing.
ERIE00000520-2111/1311/13
From: Microsoft Outlook
To: flora@publicadjusters.com
Subject: Undeliverable: Per your request Erie Insurance Policy (5600 Munhall Road)
Date: Thursday, December 3, 2020 5:01:30 PM
Attachments: Per your request Erie Insurance Policy (5600 Munhall Road) .msg
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From: Uta von Eckartsberg <uvoneck@outlook.com>
To: "flora@publicadjusters.com" <flora@publicadjusters.com>
Subject: Per your request Erie Insurance Policy (5600 Munhall Road)
Thread-Topic: Per your request Erie Insurance Policy (5600 Munhall Road)
Thread-Index: AQHWyb+K0Mf1mDLxRUm12ZgPTMeC8g==
Date: Thu, 3 Dec 2020 21:59:15 +0000
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ERIE00000620-2111/1311/13
From: Microsoft Outlook
To: flora@publicadjusters.com
Subject: Undeliverable: Per your request Erie Insurance Policy (5600 Munhall Road)
Attachments: Per your request Erie Insurance Policy (5600 Munhall Road) .msg
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To: "flora@publicadjusters.com" <flora@publicadjusters.com>
Subject: Per your request Erie Insurance Policy (5600 Munhall Road)
Thread-Topic: Per your request Erie Insurance Policy (5600 Munhall Road)
Thread-Index: AQHWyboYtSINaHcv8062ct+SeGP1bA==
Date: Thu, 3 Dec 2020 21:20:16 +0000
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ERIE00000720-2111/1311/13
From: uvoneck@outlook.com
Subject: FW: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails. Notice of Unfair Insurances
Practices Complaint
Date: Friday, March 12, 2021 5:29:28 PM
Attachments: image002.png
image006.png
umbrella.pdf
auto.pdf
1211 ROSS AVE FORD.pdf
5600 MUNHALL RD APT 309.pdf
policy jacket pcl.pdf
erie secure home policy jacket.pdf
auto policy jacket.pdf
image001.png
image003.png
Uta von Eckartsberg, Esq.

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
DISCLAIMER: This e-mail message is intended only for the personal use of the recipient(s) named
above. This message may be an attorney-client communication and as such privileged and
confidential and/or it may include attorney work product. If you are not an intended recipient, you
may not review, copy or distribute this message. If you have received this communication in error,
please notify us immediately by e-mail and delete the original message and its attachments from
your computer system. Please be advised that no privileges are waived by the transmission of
this message.
From: Preston Grafton Insurance <pg@prestongraftoninsurance.com>

Sent: Friday, March 12, 2021 12:32 PM
To: Uta von Eckartsberg <uvoneck@outlook.com>
Subject: RE: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails. Notice of Unfair
Insurances Practices Complaint
Hello Uta,
Please know I am very sorry and I feel terrible about your unhappiness with me. I am absolutely sick
about it. You and your family mean a lot to me and I have the HIGHEST respect for you. The only
reason I wanted to call you is because I sensed the urgency in your email and thought the best way
to talk would be on the phone. I never want you to be upset and I will do whatever I can to get the
matter resolved. Uta, I really am trying to do everything I can for you.
I have all the polices attached and the policy jackets outlining all the details of coverage.
I did not know this notice was going out. I reached out to my Erie underwriter this morning on this
and she reviewed everything with me.
The auto policy is for 1 year. The policy effective dates are 10/1/2020-10/1/2021. You paid the policy
for 1 year and have no outstanding bills on this account. The reason you got the insurance card is
ERIE00000820-2111/1311/13
because Erie can only issue 6 month ID cards at a time. So the insurance card you got in the mail is
the next 6 month insurance card. I did find out that the auto insurance is set to non-renew for
October 1st the renewal date. I can get this policy switched into your name, if the vehicle is in your
name now.
Do you know when the home and condo will be deeded into your name or switched out of the
estate?
Erie can insure the properties, the problem is we can’t leave them insured under the Estate of.
If the estate is not settled yet, Erie can make a one year accommodation. I would need to switch the
properties to rental property polices as tenant occupied insured under the Estate of. I did ask if there
was a cancelation date set on these polices too. There is no cancelation date set as of this time. I did
ask to be directly contacted about it when there will be.
The homes were originally written under your moms name, as owner occupied. So now that things
have changed we have to get the polices switched to either in your name or whoever the properties
will be deeded in.
If your going to be living in the condo and the Ford City home, I can get the insurance under your
name.
Once I again I feel horrible and I can’t tell you how sorry I am.
Thanks again Uta, I really appreciate you so much as my customer.
Sarah Campbell
Preston Grafton Insurance Agency
2008 Murray Avenue
Pittsburgh, Pa 15217
(P) 412-586-7340
(F) 412-904-1437
WWW.PRESTONGRAFTONAGENCY.COM

Sent: Friday, March 12, 2021 10:43 AM
To: Preston Grafton Insurance <pg@prestongraftoninsurance.com>
Subject: Re: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails. Notice of
Unfair Insurances Practices Complaint
We can talk but are you telling me that you knew about this? And are you saying we are not going to
be insured at all?
ERIE00000920-2111/1311/13
And are you actually telling that the new policy that we just signed is being cancelled? Again, the
notice does not minimally comply with Pennsylvania statute. I want everything in writing. I want a
copy of all written policies now with specific detail on each written policy as to what date each ends
and on what date we next owe any payment and that includes my personal policy.
And what about the car. Please answer that question specifically. Do I have a six-month policy that
expires on or about April 1? If so, please provide by compressed PDF files electronically all records
demonstrating that you communicate the same to me because I 100% believe and continue to
believe that we paid for one year.
And for the record, there is no evidence of “confusion” here. Either Erie complies with all laws
including its Unfair Insurance Practice Act or it does not. There is no confusion about the fact that
the so-called “Notice” is not minimally compliant with the Notice statute. And your response
provides more evidence of the same given that ot The notice does not even mention the “umbrella”
policy but does explicitly reference “hazard” which could only come from you. Again, the statute
requires a clear explicit description in this regard and you are to provide that detail to me forthwith.
And what about the car. Is is a year policy or is it a 6-month policy?
This letter and conduct also threatens to deprive the estate of due process. I also want direct
answers as to why Erie is utterly non-compliant with the Notice. And please provide the legal basis
for Erie’s non-compliance. None of this passes the. sniff test. Sara, I really trusted you. And my
mom and brothers trusted you. And you have wholly betrayed our trust and confidence in you. I
hope it’s worth it for you. Who is the underwriter on this policy? And finally please escalate to the
franchise owner immediately.
Furthermore, please provide me an accurate, complete and statutorily compliant Notice that
includes all applicable statutorily mandated information by COB today
Uta

412.207.7742 (PH)
ERIE00001020-2111/1311/13
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is for the exclusive use of the intended recipient(s) and
may contain confidential and privileged information. If you are not the intended recipient, please do
not read, distribute, or take action in reliance upon the message. If you have received this message
in error, please notify the sender immediately by return e-mail and promptly delete this message
and its attachments from your computer system. Be advised that no privileges are waived by the
transmission of this message.
On Mar 12, 2021, at 9:24 AM, Preston Grafton Insurance

<pg@prestongraftoninsurance.com> wrote:

Hello Uta,
Thank you so much for email. I am so sorry for the confusion on this.
I wanted to let you know this is a cancelation for the umbrella policy.
The reason the policy is being cancelled is because the policy is still in the Estate of. So
my underwriter is not able keep this umbrella policy in force any longer.
For the home in Ford City and the Condo, Erie can make 1 year accommodation and we
can re-write these polices in the Estate of as tenant occupied properties.
I think it would be helpful if I could talk to you and we could go through everything. Let
me know when a good time to talk is. This way I can go over process of how to get
things take care of for you.
Let me know when is good for you. You can always call me on my cell too! 757-775-
0500 you can call or text me anytime on my cell.
After hours or on the weekends, feel free to reach out.
Thanks again,
Sarah Campbell
ERIE00001120-2111/1311/13
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437

Sent: Thursday, March 11, 2021 11:20 PM
Subject: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails.
I answered some of my own Qs by looking at PA law and Erie’s notice does not
minimally comply with the statute. Personally, I do not think I have to appeal because
the Notice does not effectively satisfy substantive or procedural due process.
Moreover, while I hope this has nothing to do with you and I assume it does not,
somebody at ERIE is targeting me or the estate for unfair practices. And I am making a
complaint and I want it on record. I know in the past you reassured me on ERIE issues
but the optics of this not cool and I wish I would have made a formal complaint before
— again not about you — rather when I had to call ERIE.
And today, I also receive a new card for the remainder of year on the car. Why did I get
two 6-month insurance cards? Did I not pay for a one-year policy?
And I note in the statute, that apparently an insurer can just send notice of renewal but
no bill and then if you do not timely pay, ERIE can cancel the car insurance without any
notice at all going forward.
I definitely thought I paid for a one year policy? Will you please confirm again if that is
the case? And, if not by what do I owe money on the car? You have answered the Q a
zillion times but I continued to be buried with estate stuff and I cannot find the emails.
Something is definitely going on here that does not pass the sniff test and I resent it.
This notice is bad faith IMO. Like I said, I think you are the best and I do hope that you
are as shocked by this as I am.
Thanks.
Uta
Created with Scanner Pro
ERIE00001220-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is for the exclusive use of the intended
recipient(s) and may contain confidential and privileged information. If you are not the
intended recipient, please do not read, distribute, or take action in reliance upon the
message. If you have received this message in error, please notify the sender
immediately by return e-mail and promptly delete this message and its attachments
from your computer system. Be advised that no privileges are waived by the
ERIE00001320-2111/1311/13
Bcc: uvoneck@outlook.com
Subject: Re: Erie payments Estate of Eve
Date: Tuesday, November 10, 2020 11:47:32 AM
Thank you, Sarah! As always you are the best.

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
This email message (and any attachments) is for the exclusive use of the intended recipient(s)
and may contain confidential and privileged information. If you are not the intended recipient,
please do not read, distribute, or take action in reliance upon the message. If you have received
this message in error, please notify the sender immediately by return e-mail and promptly
delete this message and its attachments from your computer system. Be advised that no
privileges are waived by the transmission of this message.
On Nov 10, 2020, at 9:56 AM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta!
No problem, I checked the billing on all the estate accounts and everything looks great!
Q59-6402070 5600 MUNHALL RD APT 309 – Paid in full for year
Q59-5106054 1211 ROSS AVE – Paid in full for year
Q35-0350756 Umbrella – Paid in full for year
Q10-0169125- Auto – Paid in full for year
There is a bill due on 11/20/2020 for the renters insurance policy at 1211 Ross ave- I attached the
invoice
For your renters policy at 1211 Ross Ave, we have the property here insured for $100,000- we can
ERIE00001420-2111/1311/13
reduce this amount to 50K, this would make the annual premium $247-
I can do another renters policy for you at 5600 Munhall rd. – that policy would be $120, for 50K of
personal property.
Let me know if this all makes sense! Thanks so much again!
Have a great day!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
<image002.png>
From: Uta von Eckartsberg [mailto:uvoneck@outlook.com]

Sent: Monday, November 09, 2020 4:56 PM
Subject: Erie payments Estate of Eve
Hi! Hope you are are well! So, I actually ended with so much mail from Erie that I am now a
bit confused. I made the below payments today. Do I owe any additional payment for the
estate? I think I paid in full all premiums owed annually for the upcoming year. Am I
missing any policy or payment? Also, will you do me a huge favor and tell me when I owe
my next payment on my personal property at Ross Avenue? In this regard, I probably need to
revise because 1/2 my property is now at 15217..... Will you please begin to write a new
personal property policy for my stuff at 5600? At the end of the day, I’ll probably end up with
the same figure but split in half.... Aargh. Lastly, because my (tiny) dog is now also a
resident at 5600, I need to ensure personal liability coverage in Pgh as well as Armstrong
County, right?
Estate administration is not fun. Hope all is well in your world. As always, thanks so much
for your help.
Uta
<image001.jpg>
ERIE00001520-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
<uta renters invoice.pdf>

<uta renters insurance 5600 munhall rd.pdf>
ERIE00001620-2111/1311/13
From: Preston Grafton Insurance
To: Uta von Eckartsberg
Subject: ERIE Insurance Quotes - Estate of Elsa Voneckartsberg
Date: Monday, April 5, 2021 1:03:00 PM
1211 Ross Ave..pdf
5600 Munhall Rd. Apt 309 Condo.pdf
Uta Auto 2017 Mercedes.pdf
Importance: High
Hi Uta,
I hope this email finds you well.
I wanted to follow up regarding your families insurance needs.
I truly appreciate your business and value your family as clients. I’m always here to help you &
provide you with excellent service.
As I mentioned in the previous email, the auto policy is for 1 year. The policy effective dates
are 10/1/2020-10/1/2021. You paid the policy for 1 year and have no outstanding bills on this
account. The reason you got the insurance card is because Erie can only issue 6 month ID
cards at a time. So the insurance card you got in the mail is the next 6 month insurance card. I
did find out that the auto insurance is set to non-renew for October 1st the renewal date. I can
get this policy switched into your name, if the vehicle is in your name on or before 10/1/2021.
I have an ERIE auto quote for your review attached
The reason the condo and Ross Ave. properties have to be rewritten is because they are no
longer owner occupied by Elsa Voneckartsberg. ERIE agreed to make a one year
accommodation to write both properties in the named insured of “ESTATE OF ELSA
VONECKARTSBERG.” However, as soon as these properties are deeded in either your name or
your brother(s) names or all 3, we can re-write the policies with ERIE and you won’t have to
worry about the policies being non-renewed because the properties will no longer be in the
name of an estate.
I also attached quotes for Ross Ave & Munhall Road, you will see they are listed as “rented to
others,” this is how ERIE underwriting has us write “estate properties.” I tried to mirror the
coverage as similar to your current ERIE policies for these properties.
ERIE Auto Quote- 2017 Mercedes Quote in Uta Voneckartsberg’s Name:
Bodily Injury Liability -250,000-500,000

Property Damage Liability - 100,000
Uninsured Bodily Injury - 250,000-500,000
ERIE00001720-2111/1311/13
Underinsured Bodily Injury - 250,000-500,000
Comprehensive – Deductible -1,000
Collision - Deductible -1,000
Medical, Income, Death- 5,000
Funeral Benefits- 2,500
Road Service - YES
Rental Car Coverage – YES
New Auto Security- YES
Full Tort- YES
ERIE Auto Plus- YES
Annual Premium: $1,044 per year (Paid in Full Discount) or a monthly rate of $92/month
(EFT).
ESTATE OF ELSA VONECKATSBERG- Condo @ 5600 Munhall Rd. Apt 309
Building/Additions/Alterations Coverage- 300,000

Personal Property- 100,0000 with Replacement Cost
Personal Liability- 1,000,000
Medical Payments- 5,000
Rental Condo Plus- YES (24 months Loss Of Use, 10,000 Loss Assessment)
Deductible- 500
Annual Premium- $738 per year
ESTATE OF ELSA VONECKATSBERG- Home @ 1211 Ross Ave.
Guaranteed Replacement Cost on Dwelling- 308,000

Other Structures- 61,600 with Replacement Cost
Personal Property- 130,0000 with Replacement Cost
Personal Liability- 1,000,000
Medical Payments- 5,000
Rental Property Plus- YES (10,000 Underground Service Line Coverage, 24 months Loss of Use)
Deductible- 2,000
Annual Premium- $818 per year
I am always around Squirrel Hill. I would love to meet with you or discuss everything over the
phone, whatever you feel most comfortable with, I just want you to make certain your
insurance needs are taken care of for you and for your family.
I look forward to speaking with you. If you need anything in the meantime or have any
questions, please do not hesitate to call.
Thank you for your business. Have a great day!
ERIE00001820-2111/1311/13
Sincerely,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00001920-2111/1311/13
To: Kelly Grafton
Subject: From Subject Received Size Categories In Folder RE: ERIE Insurance Policies
Date: Sunday, March 14, 2021 9:55:56 PM
Attachments: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0.pdf
FW voneckartsberg condo policy.pdf. One more thing. .msg
Re voneckartsberg condo policy.pdf. One more thing. .msg
Kelly,
First, are you seriously threatening to cancel or fail to review multiple other polices absent my
making a false representation about a rental properties. As everyone knows, we are not renting out
the properties. What is your basis for this threat and how dare threaten cancellation of various
policies unknown by email on some date certain unless I agree to lie. Estates rarely settle in six-
months. I am willing to bet that cancelling a policy because no one but the estate owns the property
and thus the insured property is properly in the estate’s name is not permissible. If you legal
counsel disagrees then comply with the law and provide thye accurate basis for your decision and the
basis for what you are now represent i
during the course is illegal.
and to the extent that Erie had any concerns or issues about everything stay in the estate’s until we
sell or settle
I have spoken to you in the past and I trusted you as my family did. But the overall evidence
including the blatant refusal to provide me with an accurate, complete, truthful, legally sufficient
written notice as to every single you are threatenting to cancel on some date unknown in addition to
actual single Notice that I have received which is completely inaccurate in every possible sense. As
a former prosecutor I have rarely been presented with the abundant evidence of false, deceptive,
misleading representation including but not limited to the direct evidence demonstrating that my
innocent question of Sara regarding the subsidence issue has apparently triggered the immediate
notice versus the patient effort to cause so much confusion that you could arguably cancel the
insurance based upon failure to pay. I have identified and communicated in just the past six months
multiple red flags of unfair which I ignored because I trusted you and Sara to honorable, decent
people who care about your customers. Sarah, is the most duplicitous individual I have ever had the
misfortune of doing with this. And is obvious that the constant of materially mail and information
was causing and escalating my stress over my mother’s death and now I am absolutely that you
collectively intended that result. Even a casual review of the many emails I have required to send to
Sara almost on weekly basis demonstrates that fact.
I could care less if youi are sorry or confused. And I really doubt that any of you are so naïve and
unsophisticated that you have no idea what laws regulate your business. And I do not appreciate
that you and Sara are each sending me separate emails which do not include or directly reply to my
demands for the facts I need to know today. And how dare you collectively deny the estate any
notice of our rights including by refusing to provide an accurate and complete notice of all rights
which I intend to exercise but you have now intentionally denied m
\ But you are collectively in violation of explicit provisions of the Notice law in every possible. As
ERIE00002020-2111/1311/13
of today, I assume from the poorly emails form Sara that you informing that on some date unknown
you are cancelling all active policies unless I make a materially false statement representing that the
properties are rentals. That is a lie and there is no basis in fact or law for Erie to threaten
iummediate cancellation in retailiation for upgrading my policy of the two non-duploicativfe
notices. In what world is this okay? And I am not in position to cancel anything. This is bad faith
and violates the plain language of the statute. Moreover, every representation and new never before
disclosed issue as even two months ago when we upgraded umbrella by Sara in writing is materially
false and misleading. You are threating my ability to honor my fiduciary duties and I am fairly
confident that you know that .
Attached is the photographic record demonstrating the utter non-compliance with the Notice per my
email last night upon receipt on March 11. In addition, see my very recent inquiry about subsidence
which given the timing support the basis of the Refusal to Renew as new hazard. This contrary to
Sara writtten representation today that the real basis is,
Sara, in her emails has written that the alleged Notice is utterly materially false and misleading for
reasons even the sections highlighted in the attached Notice. Specifically, she has represented that
the basis for the failure to renew is not because of “increased hazard risk” which means the Notice is
false as well as deficient. In my informed opinion, she lied today given the timing of my recent
question of Sara on this very issue.
e Notice in that regard. And from Sara has written that you are somehow threatening cancellation on
any of million different policies. My records include every email where I notified of the ridiculous,
in excusable amount of Erie mail received to the point that I could not given up.
And, given that you are Sara directly for untimely, inaccurate, false, deceptive, incomplete Notice of
yesterday, it is obvious to me today that Sara and your internal staff lied to me in response to my
complaints after I was last threated with cancellation by ERIE because you staff gave me false and
misleading about what payment was due when and refused all requests for online billing as well as
access to information on Erie website beyond what the bill and then only if you can log on.
And I intend every single right I have under the law to exercise my rights which I am still not aware
given you failure to respond to my repeated requests for a ccmplete and accurate of cancellation
including all rights under Pennsylvania law. Please ensure you collectively ensure that no records
related in any fashio9n to my mother or the estate’s business relationship with your franchise,
affiliates, underwriters, Pennsylvania regulators, your franchisor, all communications between my
family and your staff at all relevant times that you were mandated to maintina such records. record,
email with any other party including the Insurance Regulator, all affiliated
And per my complaint of threatened cancellation as a consequence of false and misleading

information given to me by your staff of two or less months ago

412.207.7742(ph)
ERIE00002120-2111/1311/13
301.461.7445 ©
724.631.5212 (fax)
this message.
From: Kelly Grafton <kelly@prestongraftonagency.com>

To: uvoneck@outlook.com
Subject: ERIE Insurance Policies
Importance: High
Hi Uta,
This is Kelly Grafton. I am the owner of the insurance agency. I am out of the office today with my
mom, it’s her birthday J I have 2 little boys so anytime I can spend with her, I try to take advantage
of these days.
I have known your family for years and providing your family excellent service and protection is my
number one priority. Sarah loves your family and truly takes pride servicing your family as well. We
do not want you to be upset whatsoever and believe me, we care way too much about you. We will
get everything straightened out, I promise.
I spoke to my underwriter at ERIE and we want to work with you & get all these policies squared
away to make certain you are happy. We care so much about making your happy and making sure
you are not upset. I want to get everything handled for you and make sure we are all good to go.
Rest assured, I never ever want you to be upset and those letters can be scary but we can work
through all this and get you all taken care of & squared away.
I would be more than happy to meet you in person at your home, we can do a zoom call, you can call
my cell phone any time 724-971-4218, I will do whatever it takes to get your insurance needs
handled. Please let me know the most convenient option for you and I will make it happen, you
have my word.
Uta, once again, I can’t tell you how much your business means to our agency, we are always here
for you, we care about you and we will get everything taken care of for you. Save my number,
anytime you need anything at all do not hesitate to call me and this is my email, you can always
reach me by either.
Thank you so much. I look forward to hearing from you soon J
ERIE00002220-2111/1311/13
Sincerely,
Kelly Grafton
724-971-4218
ERIE00002320-2111/1311/13
From: Kelly Grafton
Importance: High
Hi Uta,
This is Kelly Grafton. I am the owner of the insurance agency. I am out of the office today with my
mom, it’s her birthday J I have 2 little boys so anytime I can spend with her, I try to take advantage
of these days.
I have known your family for years and providing your family excellent service and protection is my
number one priority. Sarah loves your family and truly takes pride servicing your family as well. We
do not want you to be upset whatsoever and believe me, we care way too much about you. We will
get everything straightened out, I promise.
I spoke to my underwriter at ERIE and we want to work with you & get all these policies squared
away to make certain you are happy. We care so much about making your happy and making sure
you are not upset. I want to get everything handled for you and make sure we are all good to go.
Rest assured, I never ever want you to be upset and those letters can be scary but we can work
through all this and get you all taken care of & squared away.
I would be more than happy to meet you in person at your home, we can do a zoom call, you can call
my cell phone any time 724-971-4218, I will do whatever it takes to get your insurance needs
handled. Please let me know the most convenient option for you and I will make it happen, you
have my word.
Uta, once again, I can’t tell you how much your business means to our agency, we are always here
for you, we care about you and we will get everything taken care of for you. Save my number,
anytime you need anything at all do not hesitate to call me and this is my email, you can always
reach me by either.
Thank you so much. I look forward to hearing from you soon J
Sincerely,
Kelly Grafton
724-971-4218
ERIE00002420-2111/1311/13
Subject: RE: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails. Notice of Unfair Insurances
Practices Complaint
image006.png
umbrella.pdf
auto.pdf
1211 ROSS AVE FORD.pdf
5600 MUNHALL RD APT 309.pdf
policy jacket pcl.pdf
erie secure home policy jacket.pdf
auto policy jacket.pdf
Hello Uta,
Please know I am very sorry and I feel terrible about your unhappiness with me. I am absolutely sick
about it. You and your family mean a lot to me and I have the HIGHEST respect for you. The only
reason I wanted to call you is because I sensed the urgency in your email and thought the best way
to talk would be on the phone. I never want you to be upset and I will do whatever I can to get the
matter resolved. Uta, I really am trying to do everything I can for you.
I have all the polices attached and the policy jackets outlining all the details of coverage.
I did not know this notice was going out. I reached out to my Erie underwriter this morning on this
and she reviewed everything with me.
The auto policy is for 1 year. The policy effective dates are 10/1/2020-10/1/2021. You paid the policy
for 1 year and have no outstanding bills on this account. The reason you got the insurance card is
because Erie can only issue 6 month ID cards at a time. So the insurance card you got in the mail is
the next 6 month insurance card. I did find out that the auto insurance is set to non-renew for
October 1st the renewal date. I can get this policy switched into your name, if the vehicle is in your
name now.
Do you know when the home and condo will be deeded into your name or switched out of the
estate?
Erie can insure the properties, the problem is we can’t leave them insured under the Estate of.
If the estate is not settled yet, Erie can make a one year accommodation. I would need to switch the
properties to rental property polices as tenant occupied insured under the Estate of. I did ask if there
was a cancelation date set on these polices too. There is no cancelation date set as of this time. I did
ask to be directly contacted about it when there will be.
The homes were originally written under your moms name, as owner occupied. So now that things
have changed we have to get the polices switched to either in your name or whoever the properties
will be deeded in.
If your going to be living in the condo and the Ford City home, I can get the insurance under your
ERIE00002520-2111/1311/13
name.
Once I again I feel horrible and I can’t tell you how sorry I am.
Thanks again Uta, I really appreciate you so much as my customer.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437

Sent: Friday, March 12, 2021 10:43 AM
Subject: Re: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails. Notice of
Unfair Insurances Practices Complaint
We can talk but are you telling me that you knew about this? And are you saying we are not going to
be insured at all?
And are you actually telling that the new policy that we just signed is being cancelled? Again, the
notice does not minimally comply with Pennsylvania statute. I want everything in writing. I want a
copy of all written policies now with specific detail on each written policy as to what date each ends
and on what date we next owe any payment and that includes my personal policy.
And what about the car. Please answer that question specifically. Do I have a six-month policy that
expires on or about April 1? If so, please provide by compressed PDF files electronically all records
demonstrating that you communicate the same to me because I 100% believe and continue to
believe that we paid for one year.
And for the record, there is no evidence of “confusion” here. Either Erie complies with all laws
including its Unfair Insurance Practice Act or it does not. There is no confusion about the fact that
the so-called “Notice” is not minimally compliant with the Notice statute. And your response
provides more evidence of the same given that ot The notice does not even mention the “umbrella”
ERIE00002620-2111/1311/13
policy but does explicitly reference “hazard” which could only come from you. Again, the statute
requires a clear explicit description in this regard and you are to provide that detail to me forthwith.
And what about the car. Is is a year policy or is it a 6-month policy?
This letter and conduct also threatens to deprive the estate of due process. I also want direct
answers as to why Erie is utterly non-compliant with the Notice. And please provide the legal basis
for Erie’s non-compliance. None of this passes the. sniff test. Sara, I really trusted you. And my
mom and brothers trusted you. And you have wholly betrayed our trust and confidence in you. I
hope it’s worth it for you. Who is the underwriter on this policy? And finally please escalate to the
franchise owner immediately.
Furthermore, please provide me an accurate, complete and statutorily compliant Notice that
includes all applicable statutorily mandated information by COB today
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00002720-2111/1311/13
On Mar 12, 2021, at 9:24 AM, Preston Grafton Insurance

Hello Uta,
The reason the policy is being cancelled is because the policy is still in the Estate of. So
my underwriter is not able keep this umbrella policy in force any longer.
For the home in Ford City and the Condo, Erie can make 1 year accommodation and we
can re-write these polices in the Estate of as tenant occupied properties.
I think it would be helpful if I could talk to you and we could go through everything. Let
me know when a good time to talk is. This way I can go over process of how to get
things take care of for you.
Let me know when is good for you. You can always call me on my cell too! 757-775-
0500 you can call or text me anytime on my cell.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00002820-2111/1311/13
I answered some of my own Qs by looking at PA law and Erie’s notice does not
minimally comply with the statute. Personally, I do not think I have to appeal because
the Notice does not effectively satisfy substantive or procedural due process.
Moreover, while I hope this has nothing to do with you and I assume it does not,
somebody at ERIE is targeting me or the estate for unfair practices. And I am making a
complaint and I want it on record. I know in the past you reassured me on ERIE issues
but the optics of this not cool and I wish I would have made a formal complaint before
— again not about you — rather when I had to call ERIE.
And today, I also receive a new card for the remainder of year on the car. Why did I get
two 6-month insurance cards? Did I not pay for a one-year policy?
And I note in the statute, that apparently an insurer can just send notice of renewal but
no bill and then if you do not timely pay, ERIE can cancel the car insurance without any
notice at all going forward.
I definitely thought I paid for a one year policy? Will you please confirm again if that is
the case? And, if not by what do I owe money on the car? You have answered the Q a
zillion times but I continued to be buried with estate stuff and I cannot find the emails.
Something is definitely going on here that does not pass the sniff test and I resent it.
This notice is bad faith IMO. Like I said, I think you are the best and I do hope that you
are as shocked by this as I am.
Thanks.
Uta
ERIE00002920-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00003020-2111/1311/13
Subject: RE: Erie v pa law notice plus car q 2021 Mar 11, 2021, 11.0. 2nd of 2 emails.
Date: Friday, March 12, 2021 9:24:24 AM
Hello Uta,
The reason the policy is being cancelled is because the policy is still in the Estate of. So my
underwriter is not able keep this umbrella policy in force any longer.
For the home in Ford City and the Condo, Erie can make 1 year accommodation and we can re-write
these polices in the Estate of as tenant occupied properties.
I think it would be helpful if I could talk to you and we could go through everything. Let me know
when a good time to talk is. This way I can go over process of how to get things take care of for you.
Let me know when is good for you. You can always call me on my cell too! 757-775-0500 you can call
or text me anytime on my cell.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00003120-2111/1311/13
I answered some of my own Qs by looking at PA law and Erie’s notice does not minimally comply
with the statute. Personally, I do not think I have to appeal because the Notice does not effectively
satisfy substantive or procedural due process.
Moreover, while I hope this has nothing to do with you and I assume it does not, somebody at ERIE
is targeting me or the estate for unfair practices. And I am making a complaint and I want it on
record. I know in the past you reassured me on ERIE issues but the optics of this not cool and I wish I
would have made a formal complaint before — again not about you — rather when I had to call
ERIE.
And today, I also receive a new card for the remainder of year on the car. Why did I get two 6-
month insurance cards? Did I not pay for a one-year policy?
And I note in the statute, that apparently an insurer can just send notice of renewal but no bill and
then if you do not timely pay, ERIE can cancel the car insurance without any notice at all going
forward.
I definitely thought I paid for a one year policy? Will you please confirm again if that is the case?
And, if not by what do I owe money on the car? You have answered the Q a zillion times but I
continued to be buried with estate stuff and I cannot find the emails.
Something is definitely going on here that does not pass the sniff test and I resent it. This notice is
bad faith IMO. Like I said, I think you are the best and I do hope that you are as shocked by this as I
am.
Thanks.
Uta

412.207.7742 (PH)
ERIE00003220-2111/1311/13
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00003320-2111/1311/13
From: no-reply@erieinsurance.com
Subject: Thank you for making a payment to Erie Insurance
Date: Thursday, February 4, 2021 7:11:06 PM
Erie Insurance
Dear Erie Insurance Customer,
Thank you for your recent one-time payment to Erie Insurance.
Policy/Account Billing # Q596007307
Policyholder UTA VONECKARTSBERG

Confirmation # 026009
Payment Date 2/4/2021 7:08:14 PM (ET)
Payment Amount $95.00
Payment Method Visa Debit
Card # ****0949
Erie Insurance will honor your payment as of the date and time stated in this confirmation
provided your financial institution honors your payment. Please note that it may take up to 2
business days for the payment to be reflected by your financial institution.
If you have questions or need help, give us a call toll-free at (800) 458-0811 or send us an email
at customercare@erieinsurance.com. Thank you for choosing Erie Insurance.
Thank you,
Erie Insurance
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maybe unlawful.
ERIE00003420-2111/1311/13
Subject: RE: voneckartsberg condo policy.pdf. One more thing.
Date: Monday, February 1, 2021 6:41:02 PM
image007.png
Never a bother always here to provide you with excellent service! Have a great evening!

Sent: Monday, February 1, 2021 6:15 PM
Subject: Re: voneckartsberg condo policy.pdf. One more thing.
Okay. Got it. I thought I doubled-checked the policy number before I reached. Sorry to bug
you. Hope all is well!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Feb 1, 2021, at 1:10 PM, Preston Grafton Insurance


Hello Uta,
ERIE00003520-2111/1311/13
Do you want to give me a call and I can explain everything! ThanksJ
You have 2 renters insurance policies.
Q53-7008352 is at 1211 Ross ave – that policy is all paid off nothing is due on that
account, that is the policy you paid off in December.
Q59-6007307 is at 5600 Munhall Rd – that policy is set up on quarterly bill and runs
11/10/2020-11/10/2021- the first payment made on this policy was Jan 9th for 30
dollars.
Since the mailing with Erie was backed up the first quarterly bill was not paid until Jan-
9th. So that is why the second why is coming up so soon for the next quarter. Because
the first quarterly payment was due back in November when the policy was set up.
Thanks!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

It is the same policy for which I was threatened with losing my coverage last
month. It is exact same policy that I paid last month. How can that be a
quarterly payment if I am billed monthly? I have been required to make three(3)
separate payments for the same policy since I made the first one after you guys
ERIE00003620-2111/1311/13
told me I was late
I guess I did not attach the correct photo. Below is from last month. The
payment for which you refunded me money last month for overpayment....
Maybe the photos are confusing.

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
recipient(s) and may contain confidential and privileged information. If you are
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by the transmission of this message.
On Feb 1, 2021, at 10:35 AM, Preston Grafton Insurance


Hello Uta,
ERIE00003720-2111/1311/13
No problem, that is the bill for the renters insurance at 5600 Munhall Rd-
The policy effective dates are 11/26/2020-11/16/2021
This policy was set up on Quarterly bill. The next bill will be due for
5/10/2021 and 8/10/2021
The master condo policy should be covering the condo building for mine
subsidence insurance.
Let me know if that all makes sense!
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Monday, February 01, 2021 1:51 AM
Hi Sarah,
I seem to have lost the last email on this issue but please see attached. I
am still getting almost daily mail from Erie to the extent it is very difficult
to keep up. However, I did open the letter with the attached invoice.
Why am I suddenly being billed on a monthly basis? I have always paid
quarterly on personal erie insurance. I do not have a problem with the
paying another $35 or $95 but again I don’t know understand what is
going on with the billing. Am I now on a monthly payment schedule for
reasons that I just don’t understand or do not recall?
Separately, it appears this building it on top of an abandoned coal mine
ERIE00003820-2111/1311/13
and is considered to be high risk for subsidence damage. Do you
recommend subsidence insurance offered by the Commonwealth of
Pennsylvania? I’m guessing that the master policy for the condo is
supposed to cover stuff like this but what do I know.
Thanks,
Uta

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
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From: Uta Von eckartsberg <uvoneck@icloud.com>

Sent: Friday, January 8, 2021 5:29 PM
Cc: Uta von Eckartsberg <uvoneck@outlook.com>
Sarah, I just tried to call you. Sorry I missed you. I paid $66 through
Jennifer on dec 30 in response to her kind email which I copied
below. I paid $66.0@ because I was told that is what I owe. And I
understood that I was paying for my personal property at 122 Ross
(so I used my own credit card versus the estate account).
Last night, I came home to the letter which I photograph and include
herein as well as the envelope with a postmark of Jan. and forwarded
to me at new address. The letter is dated 12/31/2020 and advises of
a cancellation now rescinded I consideration of the 12/30 payment. I
had no idea I was late and never received any notice of any actual or
pending cancellation.
The letter freaked me out so I accessed the ERIE onetime payment

option to see what is up with this account. The online biller told me I
owed $71.00 by Jan. 8 (or 11). So I paid it. Obviously I am
confused as to why Erie thought I only owed $66.00 just a couple
weeks again. The 71.00 charge was debited from my account
immediately. Therefore, since Dec. 30, I paid an aggregate amount
of $131 (approximately).
ERIE00003920-2111/1311/13
Had the letter not freaked me out, I would not have had any reason to
log on the one time payment option, I wouldn’t have paid the
additional $71 because I thought I paid in full on the 30th. And
based on this very unpleasant letter that my insurance would have
been cancelled because someone at Erie would interpret this as a
second untimely payment. Is there a way to track down the author of
this letter and the basis for the cancellation? Actually, I just noticed
the agent number — assume that this is not you.
Obviously, you don’t know about any of this and you are my agent.
If there is a record somewhere that inaccurately describes me as
someone whose insurance was cancelled because of untimely
payment, the record needs to be corrected under the circumstances. I
am guessing that an internal record of cancellation for late payment
could have negative consequences to me in terms of the rates offered
to me, etc.
And frankly I have been with Erie more than 25 years. I sent my
mom to Erie. I would think I would be treated with more
consideration by Erie (not you or anyone at your office — you guys
are all awesome).
I don’t even know on what date I owed $66 (how late was I?) nor by
what date I officially owned another $71 payment. Can you find
that info out for me?
And I also just got another statement requiring a $30 or $120

payment for my personal property insurance at the Condo due on or
before Jan. 11. It’s all catching me off card and the cancellation and
different records of what I actually owe or owed is also very
upsetting. An online account is key to avoid a situation like this.
And even a email like this, takes me a long time. I just don’t have
this kind of time right now. Seems like every day there is some new
problem related to the estate. Anyway, whatever you can find out
will be appreciated. Hopefully, we can also chat briefly on Monday.
Have a great weekend!
Uta
ERIE00004020-2111/1311/13
ERIE00004120-2111/1311/13
ERIE00004220-2111/1311/13
ERIE00004320-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00004420-2111/1311/13
This email message (and any attachments) is for the exclusive use of
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On Jan 8, 2021, at 1:18 PM, Preston Grafton Insurance


Hello Uta,
The email that was sent you was for the Ford City Rental-
only $66 was due on this invoice, the $10 late fee was not
added on the invoice, so that is why they told you this
amount.
When did you make the $71 payment?- there is a $10 late
fee included in the last bill.
I see a payment made for $66 on Dec 30.
There is nothing due on the condo policy- with all the

adjustments in coverages, there was no additional bill due
on that account.
I can call and get the $10 late fee waived for you.
Sarah Campbell
2008 Murray Avenue
ERIE00004520-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
From: Uta Von eckartsberg [mailto:uvoneck@icloud.com]

<pg@prestongraftoninsurance.com>
Subject: Re: voneckartsberg condo policy.pdf. One more
thing.
Thank you, Sarah. I paid $71.00 as soon as I saw I owed

another 71. I just don’t understand why I was told I only
owed 66.00 per the email below. I take it from your
email, that I do owe money on my personal rent here per
the attached bill you just sent me, right?
And when does the one year for those bills paid in full
end? Does the new, upgraded policy for the condo
require additional payment? If so, when do I need to pay
that money?
Sarah, you are the best but again I do not understand the
online issues and the lack of email billing. Will you
please address those questions?
Thanks for all!
Uta
ERIE00004620-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is for the

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On Jan 8, 2021, at 9:13 AM, Preston

Grafton Insurance

Ok no problem! I can get this all fixed for you.
None of your polices are in cancelation! J
Its looks like that bill is for the renters policy

you at 1211 Ross Ave in Ford city.
I can switch the billing address to the Munhall
ERIE00004720-2111/1311/13
address no problem!
Also I see a payment posted for 12/30/2020 for

the renters policy Ford City. The payment due
is 2/20/2021- $66
I will get the $10 late fee waived for you.
Your auto, ford city home, condo and umbrella

policy are paid in full nothing is due on those
accounts.
I attached your renters bill for the Munhall

address, I double checked and that bill is being
sent to 5600 Munhall rd.
Let me know if you need anything else! Happy

to help!
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
From: Uta Von eckartsberg

[mailto:uvoneck@icloud.com]
Sent: Friday, January 08, 2021 12:45 AM
Subject: Re: voneckartsberg condo policy.pdf.
ERIE00004820-2111/1311/13
One more thing.
Hi Sarah,
Happy New Year!! As you can see below,

you guys contacted me so I wouldn’t miss
my due date which is much appreciated!!
However I came to a letter from Erie telling
me that the “cancellation” of policy would
be rescinded because I made a partial
payment with Jenny.
And then I went online to find I owe another

$70 which I paid. However, I was late in
the first place because my address for some
policies has not been undated to reflect my
current address.
And I signed in to the “online account”

which does nothing. I can’t change my
address or see my policies. I am getting
buried in Erie mail. Every day I feel like I
get mail from Erie. I just cannot fathom
why I am unable to have any online access
to my own information. And more
importantly I don’t understand why there is
no online billing option. Is this Erie’s policy
nationwide? Is there anyway in the universe
to get some semblance account or electronic
mail instead of paper.
I don’t like bothering you with minutia but i

have to
if there no other option. Will you please
update my address on all policies. And also,
is the estate good for remainder of a year?
Or did of the changes result in more money
due and different deadlines? Also, will you
please remind me if I paid the car insurance?
Sorry to dump this on you but I have never
before had any insurance policy terminated
for a late payment. This freaks me out and I
cannot let it happen again especially with
the estate property.
Anything you can do to help, will be greatly

appreciated as always!
Uta
ERIE00004920-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is

for the exclusive use of the intended
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and privileged information. If you are not
the intended recipient, please do not read,
distribute, or take action in reliance upon the
message. If you have received this message
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immediately by return e-mail and promptly
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ERIE00005020-2111/1311/13
your computer system. Be advised that no
privileges are waived by the transmission of
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On Dec 14, 2020, at 9:42 AM,

Preston Grafton Insurance
<pg@prestongraftoninsurance.c
om> wrote:

All good! I switched everything for
you! Thanks for letting me know.
No worries at all!
Thanks so much again,
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGRAFTONAGEN
CY.COM

Sent: Friday, December 11, 2020
4:54 PM
<pg@prestongraftoninsurance.co
m>
Subject: Re: voneckartsberg
condo policy.pdf. One more thing.
ERIE00005120-2111/1311/13
Sarah,
I knew this would happen and I

apologize but upon reflection, I
need to revise a few
instructions. Specifically, the
deductible should stay at $500.
Second, the dwelling
replacement value should be
$300K if that coverage is
available. For now (until I
obtain the applicable appraisals)
the personal property should be
lowered to $100K.
I think we are good with

everything else. I really hope
this does not cause you too
much inconvenience! Have a
great night!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00005220-2111/1311/13
This email message (and any
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you have received this message
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and promptly delete this
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advised that no privileges are
waived by the transmission of
this message.
On Dec 10, 2020,

at 2:07 PM, Preston
Grafton Insurance
<pg@prestongrafto
ninsurance.com>
wrote:

Thank you! I will get
this all set up for
you!
Have a great day,
Sarah Campbell
Preston Grafton
Insurance Agency
ERIE00005320-2111/1311/13
2008 Murray
Avenue
Pittsburgh, Pa
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
M
From: Uta Von

eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Thursday,
December 10, 2020
1:50 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
Subject: Re:
voneckartsberg
condo policy.pdf
That is perfect.
Thanks you you so
much!
ERIE00005420-2111/1311/13
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
This email message

(and any
attachments) is for
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the intended
recipient(s) and
may contain
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privileged
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not read, distribute,
or take action in
reliance upon the
message. If you
have received this
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please notify the
sender immediately
by return e-mail
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ERIE00005520-2111/1311/13
this message and its
attachments from
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are waived by the
transmission of this
message.
On Dec 10, 2020,

at 1:26 PM, Preston
Grafton Insurance
<pg@prestongrafto
ninsurance.com>
wrote:

No problem!
I have a quote
attached.
This is increasing the

personal property to
$300K, raising the
deductible to $2,500
and increasing the
loss assessment to
$50K.
Then annual
premium would go
from $687 to $747
with these changes.
Thanks so much
again,
Sarah Campbell
Preston Grafton
Insurance Agency
2008 Murray
Avenue
Pittsburgh, Pa
ERIE00005620-2111/1311/13
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
M
From: Uta Von

eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Thursday,
December 10, 2020
1:21 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
Subject: Re:
voneckartsberg
condo policy.pdf
Awesome! Will
you please prepare
the updated policy
for me along per
our discussions.
Will you please
just tell me the out
of the increase on
an annual basis?
Thank you!!!
ERIE00005720-2111/1311/13
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
This email message

(and any
attachments) is for
the intended
recipient(s) and
may contain
confidential and
privileged
information. If you
or take action in
reliance upon the
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have received this
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please notify the
sender immediately
by return e-mail
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system. Be advised
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are waived by the
message.
On Dec 10, 2020,

at 9:05 AM,
Preston Grafton
Insurance
<pg@prestongrafto
ninsurance.com>
ERIE00005820-2111/1311/13
wrote:

Hello Uta,
I am so sorry for the

wording and
confusion. The
comprehensive
perils is the All Risk
coverage policy. So
that is the coverage
you already have the
condo. You guys
have the best
coverage on the
condo which is
comprehensive, all
risk policy!
Thank you!!
Sarah Campbell
Preston Grafton
Insurance Agency
2008 Murray
Avenue
Pittsburgh, Pa
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
M
ERIE00005920-2111/1311/13
From: Uta Von
eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Wednesday,
December 09, 2020
10:50 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
Subject: Re:
voneckartsberg
condo policy.pdf
Totally. How
much would it cost
me for an all-risk
policy. At bare
minimum, I do
want to raise
coverage to $300K.
To be honest, I
am not even sure
exactly what the
coverage costs
annually given that
I paid so many at
once. Thank
again. I appreciate
you so much!
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
ERIE00006020-2111/1311/13
301.461.7445 (C)
724.631.5212
(FAX)
This email message

(and any
attachments) is for
the intended
recipient(s) and
may contain
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privileged
information. If you
or take action in
reliance upon the
message. If you
have received this
message in error,
please notify the
sender immediately
by return e-mail
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ERIE00006120-2111/1311/13
On Dec 9, 2020, at
3:09 PM, Preston
Grafton Insurance
<pg@prestongrafto
ninsurance.com>
wrote:

Hello Uta,
Oh yes! Absolutely!
The plus and select

bundle both cover
loss assessment for
$10,000. The
maximum amount
you can increase
this coverage up to
is $300,000.
The loss
assessment has
comprehensive
perils coverage.
Comprehensive
covers everything
except what is
specifically
excluded in the
policy. The all-risk
insurance policy is
usually more
expensive than the
named peril policy
because it is more
wide-ranging.
Under an all-risk
policy, the burden
is on the insurance
company to prove
ERIE00006220-2111/1311/13
that the peril
causing the
damage is not
excluded;
otherwise,
coverage applies.
Let me know if this

makes sense!
Thank you,
Sarah Campbell
Preston Grafton
Insurance Agency
2008 Murray
Avenue
Pittsburgh, Pa
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
M
From: Uta Von

eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Wednesday,
December 09, 2020
2:24 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
ERIE00006320-2111/1311/13
Subject: Re:
voneckartsberg
condo policy.pdf
Thank you! You

probably answered
this Q but I didn’t
recognize the
language....
Do both Select and

Plus plan cover
special assessments
for covered peril?
If so, what is the
maximum
coverage? I’d like
to go to $50k if
possible....? What
perils are covered?
Thanks again!
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
ERIE00006420-2111/1311/13
This email message
(and any
attachments) is for
the intended
recipient(s) and
may contain
confidential and
privileged
information. If you
or take action in
reliance upon the
message. If you
have received this
message in error,
please notify the
sender immediately
by return e-mail
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are waived by the
message.
On Dec 9, 2020, at
ERIE00006520-2111/1311/13
9:43 AM, Preston
Grafton Insurance
<pg@prestongrafto
ninsurance.com>
wrote:

Hello Uta,
No worries! J
I have an updated
quote for you on
the condo. I
updated the
liability to 800K,
Erie doesn’t have
the 750K, so I just
went the next level
up to 800K for you.
Erie’s “Loss of use”

coverage does not
give a specified
dollar amount for
loss of use. Erie will
automatically
provide “loss of
use” coverage up
to 12 months and
will cover any
reasonable
expenses that
would be expected
from your standard
of living. If you had
to live in a hotel for
a few days due to a
covered loss to
your home and eat
out as a family, this
would all be a
ERIE00006620-2111/1311/13
covered expense.
I included the 300K

for personal
property. I also
changed the
deductible to
$2,500. I added the
50K of loss
assessment.
For the rugs and

the artwork we
would actually
need to schedule
them on the policy
for the value of
each item.
Let me know if you

want to move
forward with these
changes on the
policy and I can get
it set up for you!
Thanks again!
Sarah Campbell
Preston Grafton
Insurance Agency
2008 Murray
Avenue
Pittsburgh, Pa
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
ERIE00006720-2111/1311/13
M
From: Uta Von

eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Tuesday,
December 08, 2020
11:22 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
Subject: Re:
voneckartsberg
condo policy.pdf
Yes please. Can

we go up on
personal liability to
$750k? Also, we
can adjust
deductible to
$2,500. Ditto, on
any other
applicable policy.
Is loss of use of
coverage limited by
a percentage of
contents and 24-
month?
Do both Select and

Plus plan cover
special assessments
for covered peril?
If so, what is the
maximum
coverage? I’d like
to go to $50k if
possible....? What
ERIE00006820-2111/1311/13
perils are covered?

Also, I want to add

endorsements for
artwork $50K and
oriental rugs for @
20K. I know we
should set a time to
walk through all
this stuff but I am
just swamped. I
don’t want to
inconvenience you
but would it be
possible to execute
the policy you
suggest which
incorporates higher
coverage as
possible for the
above-described
items; with the
understanding that
the new policy is a
placeholder until
you and I can talk
hopefully this week
or early next? I
may well not need
to add or remove
anything else but
until we talk, I am
just not sure.
If that’s too much

trouble, then no
worries. We’ll just
try to set a time to
talk this week if
possible. As
always, thank you
so very much for
all.
Uta
ERIE00006920-2111/1311/13
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
This email message

(and any
attachments) is for
the intended
recipient(s) and
may contain
confidential and
privileged
information. If you
or take action in
reliance upon the
message. If you
have received this
message in error,
please notify the
sender immediately
by return e-mail
and promptly delete
attachments from
your computer
system. Be advised
that no privileges
are waived by the
message.
On Dec 8, 2020, at
10:33 AM, Preston
Grafton Insurance
ERIE00007020-2111/1311/13
<pg@prestongrafto
ninsurance.com>
wrote:

Hello Uta!
No worries at all! I
am happy to help
you. You are not a
loser at all! I
completely
understand your
confusion and the
wording on this
policy.
All the coverage

listed on the
declarations page
are coverages you
have on the policy.
So the declarations
page lists all the
coverage you have
on the condo.
The condo is
currently insured for
a total value of
$250,000, with the
Erie Secure condo
plus endorsement
this increased the
condo value to
$250,000. The
250,000 covers
building additions
and alterations from
the studs in
The master condo

policy you would
have with the
association would
also provide you
ERIE00007120-2111/1311/13
with outside portion
of the condo.
The condo policy is

also an HO-6 policy
as well.
We an absolutely
increase the
300K and the
500K. This would
take the premium to
$943. I have that
quote attached for
changing those
coverages.
Also if you look at

the back page of the
quote it shows the
Plus endorsement
you have on the
condo policy. We
can increase this
coverage to the
Select Plan.
The select plan

would give you the
maximum coverage
the Erie Condo
policy has to offer.
If you wanted to
switch from the plus
to the select plan,
increase your
300K and liability to
500K, the annual
premium would be
$963.
ERIE00007220-2111/1311/13
Let me know if you
want to get these
changes made to the
policy.
Thanks so much!
Sarah Campbell
Preston Grafton
Insurance Agency
2008 Murray
Avenue
Pittsburgh, Pa
15217
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
WWW.PRESTONGR
AFTONAGENCY.CO
M
From: Uta Von

eckartsberg
[mailto:uvoneck@icl
oud.com]
Sent: Monday,
December 07, 2020
11:54 PM
To: Preston Grafton
Insurance
<pg@prestongrafton
insurance.com>
Subject:
voneckartsberg
ERIE00007320-2111/1311/13
condo policy.pdf
Sarah,
Not to torture you

but I have reason to
believe my mom’s
is seriously
underinsured. I
have not yet been
able to obtain a
copy of the Master
Policy but I fairly
confident it is a
bare bones policy.
I know O am a
loser but I do not
know how to
interpret the policy
you sent me.
Specifically for
example, the
declaration page
lists the following
options available
(or applicable?):
OTHER
STRUCTURES
COVERAGE OFF
PREMISES
COMPUTER
DEDUCTIBLE
INCLUDING
SMART DEVICES
- $100
DEDUCTIBLE
ADDITIONAL
BUSINESS
COMPUTER
COVERAGE UP
TO $2,500
INCREASED
POLICY LIMITS
FOR DEBRIS
REMOVAL
AND PERSONAL
PROPERTY AT
OTHER
ERIE00007420-2111/1311/13
RESIDENCES
INCREASED
POLICY LIMITS
UP TO
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR
THEFT,
MISPLACEMENT
OR LOSING OF
JEWELRY, FURS,
SILVERWARE,
GUNS AND
TRADING
CARDS ($3,000
MAXIMUM
LIMIT PER ITEM)
$750 FOR
MONEY
ERIE
INSURANCE
COMPANY
ERIESECURE
CONDO POLICY
Policy Q59-
6402070
Declaration
effective
11/14/2020
Page No: 2. ....
* $ 10,000 FOR
LOSS
ASSESSMENT
$ 5,000 FOR
BUSINESS
PERSONAL
PROPERTY
* $ 20,000 FOR
ORDINANCE OR
LAW
* $250,000 FOR
ERIE00007520-2111/1311/13
BUILDING
ADDITIONS AND
ALTERATIONS -
INCLUDING
DWELLING OR
REAL
PROPERTY
COVERAGE
24 MONTHS FOR
LOSS OF USE
Are all these items

describing the
insurance we
currently pay for or
simply describing
additional
maximum
coverages
available for
additional
premiums?
And I think I
previously
referenced a HO- 3
policy but I now
realize that we
should have an
HO-6 policy. Do
we? And are all
the amounts listed
above referencing
maximum available
coverage for each
item? We should
def be insured up to
the maximum
policy limits in
each instance.
At this point, I
believe we should
have at least $300K
in dwelling
coverage and
$500K in condo
liability coverage.
I guess that be
ERIE00007620-2111/1311/13
covered as part of
our umbrella policy
but I am just at a
loss with all this
stuff. I have
never been very
good at interpreting
insurance policies.

If we do not
currently have
coverage for the
highlighted areas,
then we need to add
such coverage as
soon as possible. I
probably want to
go above the
current identified
amounts assuming
we have the
insurance coverage
in the first place.
Also, recognizing
that this is a
pathetic question in
the case of a total
loss (because of
fire or something)
am I correct that we
would only be
covered for a total
amount of $162K?
If so, that coverage
is way too low. In
the event of a total
loss, our coverage
should be $300k.
Do we have
“betterment and
alterations
coverage? If not,
can we add to the
current policy?
Also on the list of

items beginning on
pg 2 are the
ERIE00007720-2111/1311/13
following:
And also on pg 2
are the following
items:
$2,500 FOR
EVIDENCE OF
DEBT
$500 FOR THEFT
OF MEDIA FROM
A MOTOR
VEHICLE
$1,000 FOR LOCK
v
$2,500 FOR
TRAILERS
$2,500 FOR
WATERCRAFT
$1,000 FOR
ANIMALS
$1,000 FOR
AUTOMATIC
GARAGE DOOR
MALFUNCTION
Are these part of

our current
coverage or is the
list simply to
identify other
available
coverages? If it’s
the former then if it
makes sense we
should write these
items out because
they are not
applicable to 5600.
Also do we have
“peril” coverage?
I am really
concerned about
what is going on
this building. As
fiduciary to the
estate, I have to be
super proactive
especially about
ERIE00007820-2111/1311/13
those matters where
I have a (huge)
knowledge gap.
No rush to
immediately
respond. Sorry to
subject you to this
missive but the
estate stuff is so
time intensive that I
have to write as
things come up or it
will fall by the
wayside.....
As alway, thank
you so much for
your attention and
time.
Uta
<voneckartsberg
condo policy.pdf>
Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
ERIE00007920-2111/1311/13
This email message
(and any
attachments) is for
the intended
recipient(s) and
may contain
confidential and
privileged
information. If you
or take action in
reliance upon the
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have received this
message in error,
please notify the
sender immediately
by return e-mail
and promptly delete
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system. Be advised
that no privileges
are waived by the
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Uta von
Eckartsberg, Esq.
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212
(FAX)
ERIE00008020-2111/1311/13
This email message
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ERIE00008120-2111/1311/13
Date: Monday, February 1, 2021 1:10:50 PM
image007.png
Hello Uta,
Do you want to give me a call and I can explain everything! ThanksJ
You have 2 renters insurance policies.
Q53-7008352 is at 1211 Ross ave – that policy is all paid off nothing is due on that account, that is
the policy you paid off in December.
Q59-6007307 is at 5600 Munhall Rd – that policy is set up on quarterly bill and runs 11/10/2020-
11/10/2021- the first payment made on this policy was Jan 9th for 30 dollars.
Since the mailing with Erie was backed up the first quarterly bill was not paid until Jan-9th. So that is
why the second why is coming up so soon for the next quarter. Because the first quarterly payment
was due back in November when the policy was set up.
Thanks!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00008220-2111/1311/13
It is the same policy for which I was threatened with losing my coverage last month. It is
exact same policy that I paid last month. How can that be a quarterly payment if I am billed
monthly? I have been required to make three(3) separate payments for the same policy since I
made the first one after you guys told me I was late
I guess I did not attach the correct photo. Below is from last month. The payment for which
you refunded me money last month for overpayment.... Maybe the photos are confusing.

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Feb 1, 2021, at 10:35 AM, Preston Grafton Insurance

ERIE00008320-2111/1311/13
Hello Uta,
No problem, that is the bill for the renters insurance at 5600 Munhall Rd- The policy
effective dates are 11/26/2020-11/16/2021
This policy was set up on Quarterly bill. The next bill will be due for 5/10/2021 and
8/10/2021
The master condo policy should be covering the condo building for mine subsidence
insurance.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
I seem to have lost the last email on this issue but please see attached. I am still
getting almost daily mail from Erie to the extent it is very difficult to keep up.
However, I did open the letter with the attached invoice. Why am I suddenly being
billed on a monthly basis? I have always paid quarterly on personal erie insurance. I
do not have a problem with the paying another $35 or $95 but again I don’t know
understand what is going on with the billing. Am I now on a monthly payment
schedule for reasons that I just don’t understand or do not recall?
ERIE00008420-2111/1311/13
Separately, it appears this building it on top of an abandoned coal mine and is
considered to be high risk for subsidence damage. Do you recommend subsidence
insurance offered by the Commonwealth of Pennsylvania? I’m guessing that the
master policy for the condo is supposed to cover stuff like this but what do I know.
Thanks,
Uta

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
DISCLAIMER: This e-mail message is intended only for the personal use of the
recipient(s) named above. This message may be an attorney-client communication
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If you are not an intended recipient, you may not review, copy or distribute this
message. If you have received this communication in error, please notify us
immediately by e-mail and delete the original message and its attachments from your
computer system. Please be advised that no privileges are waived by the

Sarah, I just tried to call you. Sorry I missed you. I paid $66 through Jennifer on
dec 30 in response to her kind email which I copied below. I paid $66.0@
because I was told that is what I owe. And I understood that I was paying for my
personal property at 122 Ross (so I used my own credit card versus the estate
account).
Last night, I came home to the letter which I photograph and include herein as
well as the envelope with a postmark of Jan. and forwarded to me at new address.
The letter is dated 12/31/2020 and advises of a cancellation now rescinded I
consideration of the 12/30 payment. I had no idea I was late and never received
any notice of any actual or pending cancellation.
The letter freaked me out so I accessed the ERIE onetime payment option to see
what is up with this account. The online biller told me I owed $71.00 by Jan. 8
(or 11). So I paid it. Obviously I am confused as to why Erie thought I only
owed $66.00 just a couple weeks again. The 71.00 charge was debited from my
account immediately. Therefore, since Dec. 30, I paid an aggregate amount of
$131 (approximately).
Had the letter not freaked me out, I would not have had any reason to log on the
one time payment option, I wouldn’t have paid the additional $71 because I
ERIE00008520-2111/1311/13
thought I paid in full on the 30th. And based on this very unpleasant letter that
my insurance would have been cancelled because someone at Erie would
interpret this as a second untimely payment. Is there a way to track down the
author of this letter and the basis for the cancellation? Actually, I just noticed the
agent number — assume that this is not you.
Obviously, you don’t know about any of this and you are my agent. If there is a
record somewhere that inaccurately describes me as someone whose insurance
was cancelled because of untimely payment, the record needs to be corrected
under the circumstances. I am guessing that an internal record of cancellation for
late payment could have negative consequences to me in terms of the rates offered
to me, etc.
And frankly I have been with Erie more than 25 years. I sent my mom to Erie. I
would think I would be treated with more consideration by Erie (not you or
anyone at your office — you guys are all awesome).
I don’t even know on what date I owed $66 (how late was I?) nor by what date I
officially owned another $71 payment. Can you find that info out for me?
And I also just got another statement requiring a $30 or $120 payment for my
personal property insurance at the Condo due on or before Jan. 11. It’s all
catching me off card and the cancellation and different records of what I actually
owe or owed is also very upsetting. An online account is key to avoid a situation
like this.
And even a email like this, takes me a long time. I just don’t have this kind of
time right now. Seems like every day there is some new problem related to the
estate. Anyway, whatever you can find out will be appreciated. Hopefully, we
can also chat briefly on Monday. Have a great weekend!
Uta
ERIE00008620-2111/1311/13
ERIE00008720-2111/1311/13
ERIE00008820-2111/1311/13
ERIE00008920-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00009020-2111/1311/13


Hello Uta,
The email that was sent you was for the Ford City Rental- only $66 was
due on this invoice, the $10 late fee was not added on the invoice, so that
is why they told you this amount.
When did you make the $71 payment?- there is a $10 late fee included in
the last bill.
There is nothing due on the condo policy- with all the adjustments in
coverages, there was no additional bill due on that account.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00009120-2111/1311/13
Thank you, Sarah. I paid $71.00 as soon as I saw I owed another 71.
I just don’t understand why I was told I only owed 66.00 per the
email below. I take it from your email, that I do owe money on my
personal rent here per the attached bill you just sent me, right?
And when does the one year for those bills paid in full end? Does the
new, upgraded policy for the condo require additional payment? If
so, when do I need to pay that money?
Sarah, you are the best but again I do not understand the online issues
and the lack of email billing. Will you please address those
questions?
Thanks for all!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00009220-2111/1311/13
On Jan 8, 2021, at 9:13 AM, Preston Grafton Insurance


Ok no problem! I can get this all fixed for you. None of your
polices are in cancelation! J
Its looks like that bill is for the renters policy you at 1211
Ross Ave in Ford city.
I can switch the billing address to the Munhall address no

problem!
Also I see a payment posted for 12/30/2020 for the renters

policy Ford City. The payment due is 2/20/2021- $66
Your auto, ford city home, condo and umbrella policy are
paid in full nothing is due on those accounts.
I attached your renters bill for the Munhall address, I double

checked and that bill is being sent to 5600 Munhall rd.
Let me know if you need anything else! Happy to help!
Thanks again,
ERIE00009320-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

thing.
Hi Sarah,
Happy New Year!! As you can see below, you guys

contacted me so I wouldn’t miss my due date which is
much appreciated!! However I came to a letter from Erie
telling me that the “cancellation” of policy would be
rescinded because I made a partial payment with Jenny.
And then I went online to find I owe another $70 which I

paid. However, I was late in the first place because my
address for some policies has not been undated to reflect
my current address.
And I signed in to the “online account” which does

nothing. I can’t change my address or see my policies.
I am getting buried in Erie mail. Every day I feel like I
get mail from Erie. I just cannot fathom why I am
unable to have any online access to my own information.
And more importantly I don’t understand why there is
no online billing option. Is this Erie’s policy
nationwide? Is there anyway in the universe to get some
semblance account or electronic mail instead of paper.
ERIE00009420-2111/1311/13
I don’t like bothering you with minutia but i have to
if there no other option. Will you please update my
address on all policies. And also, is the estate good for
remainder of a year? Or did of the changes result in
more money due and different deadlines? Also, will you
please remind me if I paid the car insurance? Sorry to
dump this on you but I have never before had any
insurance policy terminated for a late payment. This
freaks me out and I cannot let it happen again especially
with the estate property.
Anything you can do to help, will be greatly appreciated

as always!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00009520-2111/1311/13
On Dec 14, 2020, at 9:42 AM, Preston

Grafton Insurance

All good! I switched everything for you! Thanks
for letting me know. No worries at all!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00009620-2111/1311/13
Sent: Friday, December 11, 2020 4:54 PM
Subject: Re: voneckartsberg condo policy.pdf.
One more thing.
Sarah,
I knew this would happen and I apologize

but upon reflection, I need to revise a few
instructions. Specifically, the deductible
should stay at $500. Second, the dwelling
replacement value should be $300K if that
coverage is available. For now (until I
obtain the applicable appraisals) the
personal property should be lowered to
$100K.
I think we are good with everything else. I

really hope this does not cause you too much
inconvenience! Have a great night!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00009720-2111/1311/13
this message.
On Dec 10, 2020, at 2:07 PM,

wrote:

Thank you! I will get this all set up
for you!
Have a great day,
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00009820-2111/1311/13
Sent: Thursday, December 10,
2020 1:50 PM
condo policy.pdf
That is perfect. Thanks you you

so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00009920-2111/1311/13
this message.
On Dec 10, 2020, at 1:26 PM,

wrote:

No problem!
I have a quote attached.
This is increasing the personal

property to $300K, raising the
deductible to $2,500 and
increasing the loss assessment to
$50K.
Then annual premium would go

from $687 to $747 with these
changes.
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00010020-2111/1311/13

Sent: Thursday, December 10,
2020 1:21 PM
condo policy.pdf
Awesome! Will you please

prepare the updated policy for
me along per our discussions.
Will you please just tell me the
out of the increase on an annual
basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00010120-2111/1311/13
this message.
On Dec 10, 2020, at 9:05 AM,

wrote:

Hello Uta,
I am so sorry for the wording and

confusion. The comprehensive
perils is the All Risk coverage
policy. So that is the coverage you
already have the condo. You guys
have the best coverage on the
condo which is comprehensive, all
risk policy!
Thank you!!
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00010220-2111/1311/13
Sent: Wednesday, December 09,
2020 10:50 PM
condo policy.pdf
Totally. How much would it

cost me for an all-risk policy.
At bare minimum, I do want to
raise coverage to $300K. To
be honest, I am not even sure
exactly what the coverage costs
annually given that I paid so
many at once. Thank again. I
appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00010320-2111/1311/13
this message.
On Dec 9, 2020, at 3:09 PM,

wrote:

Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both

cover loss assessment for
$10,000. The maximum amount
you can increase this coverage
up to is $300,000.
The loss assessment has

comprehensive perils coverage.
Comprehensive covers
everything except what is
ERIE00010420-2111/1311/13
specifically excluded in the
policy. The all-risk insurance
policy is usually more expensive
than the named peril policy
because it is more wide-
ranging. Under an all-risk policy,
the burden is on the insurance
company to prove that the peril
causing the damage is not
excluded; otherwise, coverage
applies.
Let me know if this makes

sense!
Thank you,
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Wednesday, December 09,
2020 2:24 PM
condo policy.pdf
Thank you! You probably
ERIE00010520-2111/1311/13
answered this Q but I didn’t
recognize the language....
Do both Select and Plus plan

cover special assessments for
covered peril? If so, what is the
maximum coverage? I’d like
to go to $50k if possible....?
What perils are covered?
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00010620-2111/1311/13
this message.
On Dec 9, 2020, at 9:43 AM,

wrote:

Hello Uta,
No worries! J
I have an updated quote for you

on the condo. I updated the
liability to 800K, Erie doesn’t
have the 750K, so I just went
the next level up to 800K for
you.
Erie’s “Loss of use” coverage

does not give a specified dollar
amount for loss of use. Erie will
automatically provide “loss of
use” coverage up to 12 months
and will cover any reasonable
expenses that would be
expected from your standard of
living. If you had to live in a
hotel for a few days due to a
ERIE00010720-2111/1311/13
covered loss to your home and
eat out as a family, this would
all be a covered expense.
I included the 300K for personal

property. I also changed the
deductible to $2,500. I added
the 50K of loss assessment.
For the rugs and the artwork we

would actually need to schedule
them on the policy for the value
of each item.
Let me know if you want to

move forward with these
changes on the policy and I can
get it set up for you!
Thanks again!
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Tuesday, December 08,
ERIE00010820-2111/1311/13
2020 11:22 PM
condo policy.pdf
Yes please. Can we go up on

$750k? Also, we can adjust
deductible to $2,500. Ditto, on
any other applicable policy. Is
loss of use of coverage limited
by a percentage of contents and
24-month?
Do both Select and Plus plan

cover special assessments for
covered peril? If so, what is the
maximum coverage? I’d like
to go to $50k if possible....?
What perils are covered?
Also, I want to add

endorsements for artwork $50K
and oriental rugs for @ 20K. I
know we should set a time to
walk through all this stuff but I
am just swamped. I don’t
want to inconvenience you but
would it be possible to execute
the policy you suggest which
incorporates higher coverage as
possible for the above-described
items; with the understanding
that the new policy is a
placeholder until you and I can
talk hopefully this week or early
next? I may well not need to
add or remove anything else but
until we talk, I am just not sure.
If that’s too much trouble, then

no worries. We’ll just try to set
a time to talk this week if
possible. As always, thank you
so very much for all.
Uta
ERIE00010920-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

this message.
On Dec 8, 2020, at 10:33 AM,

wrote:

Hello Uta!
No worries at all! I am happy to

help you. You are not a loser at
all! I completely understand your
confusion and the wording on this
policy.
ERIE00011020-2111/1311/13
All the coverage listed on the
declarations page are coverages
you have on the policy. So the
declarations page lists all the
coverage you have on the condo.
The condo is currently insured for

a total value of $250,000, with the
Erie Secure condo plus
endorsement this increased the
condo value to $250,000. The
250,000 covers building additions
and alterations from the studs in
The master condo policy you

would have with the association
would also provide you with
outside portion of the condo.
The condo policy is also an HO-6

policy as well.
We an absolutely increase the

personal property to 300K and the
personal liability to 500K. This
would take the premium to $943.
I have that quote attached for
changing those coverages.
Also if you look at the back page

of the quote it shows the Plus
endorsement you have on the
condo policy. We can increase this
coverage to the Select Plan.
The select plan would give you the

maximum coverage the Erie
Condo policy has to offer.
If you wanted to switch from the

plus to the select plan, increase
your personal property to 300K
and liability to 500K, the annual
premium would be $963.
ERIE00011120-2111/1311/13
Let me know if you want to get
these changes made to the policy.
Thanks so much!
Sarah Campbell
Agency
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Monday, December 07,
2020 11:54 PM
Subject: voneckartsberg condo
policy.pdf
Sarah,
Not to torture you but I have

reason to believe my mom’s is
seriously underinsured. I have
not yet been able to obtain a
copy of the Master Policy but I
fairly confident it is a bare
bones policy. I know O am a
loser but I do not know how to
ERIE00011220-2111/1311/13
interpret the policy you sent me.
Specifically for example, the
declaration page lists the
following options available (or
applicable?):
OTHER STRUCTURES
COVERAGE OFF PREMISES
COMPUTER DEDUCTIBLE
INCLUDING SMART
DEVICES - $100
DEDUCTIBLE
ADDITIONAL BUSINESS
COMPUTER COVERAGE UP
TO $2,500
INCREASED POLICY
LIMITS FOR DEBRIS
REMOVAL
AND PERSONAL
PROPERTY AT OTHER
RESIDENCES
INCREASED POLICY
LIMITS UP TO
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT,
MISPLACEMENT OR
LOSING OF JEWELRY,
FURS,
SILVERWARE, GUNS AND
TRADING CARDS ($3,000
MAXIMUM LIMIT PER
ITEM)
$750 FOR MONEY
ERIE INSURANCE
COMPANY
ERIESECURE CONDO
POLICY
Policy Q59-6402070
Declaration effective
11/14/2020
Page No: 2. ....
ERIE00011320-2111/1311/13
* $ 10,000 FOR LOSS
ASSESSMENT
$ 5,000 FOR BUSINESS

PERSONAL PROPERTY
* $ 20,000 FOR
ORDINANCE OR LAW
* $250,000 FOR BUILDING
ADDITIONS AND
ALTERATIONS -
INCLUDING
DWELLING OR REAL
PROPERTY COVERAGE
24 MONTHS FOR LOSS OF
USE
Are all these items describing

the insurance we currently pay
for or simply describing
additional maximum coverages
available for additional
premiums?
And I think I previously

referenced a HO- 3 policy but I
now realize that we should have
an HO-6 policy. Do we? And
are all the amounts listed above
referencing maximum available
coverage for each item? We
should def be insured up to the
maximum policy limits in each
instance.
At this point, I believe we

should have at least $300K in
dwelling coverage and $500K
in condo liability coverage. I
guess that be covered as part of
our umbrella policy but I am
just at a loss with all this stuff.
I have never been very good at
interpreting insurance policies.

If we do not currently have

coverage for the highlighted
ERIE00011420-2111/1311/13
areas, then we need to add such
coverage as soon as possible. I
probably want to go above the
current identified amounts
assuming we have the insurance
coverage in the first place.
Also, recognizing that this is a
pathetic question in the case of
a total loss (because of fire or
something) am I correct that we
would only be covered for a
total amount of $162K? If so,
that coverage is way too low.
In the event of a total loss, our
coverage should be $300k. Do
we have “betterment and
alterations coverage? If not,
can we add to the current
policy?
Also on the list of items

beginning on pg 2 are the
following:
And also on pg 2 are the

following items:
$2,500 FOR EVIDENCE OF

DEBT
$500 FOR THEFT OF MEDIA
FROM A MOTOR VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$2,500 FOR WATERCRAFT
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC
GARAGE DOOR
MALFUNCTION
Are these part of our current

coverage or is the list simply to
identify other available
coverages? If it’s the former
then if it makes sense we should
write these items out because
they are not applicable to 5600.
Also do we have “peril”
coverage?
I am really concerned about
ERIE00011520-2111/1311/13
what is going on this building.
As fiduciary to the estate, I have
to be super proactive especially
about those matters where I
have a (huge) knowledge gap.
No rush to immediately
respond. Sorry to subject you
to this missive but the estate
stuff is so time intensive that I
have to write as things come up
or it will fall by the wayside.....
As alway, thank you so much

for your attention and time.
Uta
<voneckartsberg condo
policy.pdf>

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00011620-2111/1311/13
this message.

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

this message.
ERIE00011720-2111/1311/13
image007.png
Hello Uta,
No problem, that is the bill for the renters insurance at 5600 Munhall Rd- The policy effective dates
are 11/26/2020-11/16/2021
This policy was set up on Quarterly bill. The next bill will be due for 5/10/2021 and 8/10/2021
The master condo policy should be covering the condo building for mine subsidence insurance.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
I seem to have lost the last email on this issue but please see attached. I am still getting almost daily
mail from Erie to the extent it is very difficult to keep up. However, I did open the letter with the
attached invoice. Why am I suddenly being billed on a monthly basis? I have always paid quarterly
ERIE00011820-2111/1311/13
on personal erie insurance. I do not have a problem with the paying another $35 or $95 but again I
don’t know understand what is going on with the billing. Am I now on a monthly payment schedule
for reasons that I just don’t understand or do not recall?
Separately, it appears this building it on top of an abandoned coal mine and is considered to be high
risk for subsidence damage. Do you recommend subsidence insurance offered by the
Commonwealth of Pennsylvania? I’m guessing that the master policy for the condo is supposed to
cover stuff like this but what do I know.
Thanks,
Uta

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
this message.

Sarah, I just tried to call you. Sorry I missed you. I paid $66 through Jennifer on dec 30 in
response to her kind email which I copied below. I paid $66.0@ because I was told that is
what I owe. And I understood that I was paying for my personal property at 122 Ross (so I
used my own credit card versus the estate account).
Last night, I came home to the letter which I photograph and include herein as well as the
envelope with a postmark of Jan. and forwarded to me at new address. The letter is dated
12/31/2020 and advises of a cancellation now rescinded I consideration of the 12/30 payment.
I had no idea I was late and never received any notice of any actual or pending cancellation.
The letter freaked me out so I accessed the ERIE onetime payment option to see what is up
with this account. The online biller told me I owed $71.00 by Jan. 8 (or 11). So I paid it.
Obviously I am confused as to why Erie thought I only owed $66.00 just a couple weeks
again. The 71.00 charge was debited from my account immediately. Therefore, since Dec.
30, I paid an aggregate amount of $131 (approximately).
Had the letter not freaked me out, I would not have had any reason to log on the one time
payment option, I wouldn’t have paid the additional $71 because I thought I paid in full on the
ERIE00011920-2111/1311/13
30th. And based on this very unpleasant letter that my insurance would have been cancelled
because someone at Erie would interpret this as a second untimely payment. Is there a way to
track down the author of this letter and the basis for the cancellation? Actually, I just noticed
Obviously, you don’t know about any of this and you are my agent. If there is a record
somewhere that inaccurately describes me as someone whose insurance was cancelled because
of untimely payment, the record needs to be corrected under the circumstances. I am guessing
that an internal record of cancellation for late payment could have negative consequences to
me in terms of the rates offered to me, etc.
And frankly I have been with Erie more than 25 years. I sent my mom to Erie. I would think
I would be treated with more consideration by Erie (not you or anyone at your office — you
guys are all awesome).
I don’t even know on what date I owed $66 (how late was I?) nor by what date I officially
owned another $71 payment. Can you find that info out for me?
And I also just got another statement requiring a $30 or $120 payment for my personal
property insurance at the Condo due on or before Jan. 11. It’s all catching me off card and the
cancellation and different records of what I actually owe or owed is also very upsetting. An
online account is key to avoid a situation like this.
And even a email like this, takes me a long time. I just don’t have this kind of time right now.
Seems like every day there is some new problem related to the estate. Anyway, whatever
you can find out will be appreciated. Hopefully, we can also chat briefly on Monday. Have a
great weekend!
Uta
ERIE00012020-2111/1311/13
ERIE00012120-2111/1311/13
ERIE00012220-2111/1311/13
ERIE00012320-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00012420-2111/1311/13


Hello Uta,
The email that was sent you was for the Ford City Rental- only $66 was due on this
invoice, the $10 late fee was not added on the invoice, so that is why they told you this
amount.
When did you make the $71 payment?- there is a $10 late fee included in the last bill.
There is nothing due on the condo policy- with all the adjustments in coverages, there
was no additional bill due on that account.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00012520-2111/1311/13
Thank you, Sarah. I paid $71.00 as soon as I saw I owed another 71. I just don’t
understand why I was told I only owed 66.00 per the email below. I take it from
your email, that I do owe money on my personal rent here per the attached bill
you just sent me, right?
And when does the one year for those bills paid in full end? Does the new,
upgraded policy for the condo require additional payment? If so, when do I need
to pay that money?
Sarah, you are the best but again I do not understand the online issues and the lack
of email billing. Will you please address those questions?
Thanks for all!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00012620-2111/1311/13

Ok no problem! I can get this all fixed for you. None of your polices are in
cancelation! J
Its looks like that bill is for the renters policy you at 1211 Ross Ave in Ford
city.
I can switch the billing address to the Munhall address no problem!
Also I see a payment posted for 12/30/2020 for the renters policy Ford
City. The payment due is 2/20/2021- $66
Your auto, ford city home, condo and umbrella policy are paid in full
nothing is due on those accounts.
I attached your renters bill for the Munhall address, I double checked and
that bill is being sent to 5600 Munhall rd.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00012720-2111/1311/13
Hi Sarah,
Happy New Year!! As you can see below, you guys contacted me so
I wouldn’t miss my due date which is much appreciated!! However I
came to a letter from Erie telling me that the “cancellation” of policy
would be rescinded because I made a partial payment with Jenny.
And then I went online to find I owe another $70 which I paid.
However, I was late in the first place because my address for some
policies has not been undated to reflect my current address.
And I signed in to the “online account” which does nothing. I can’t

change my address or see my policies. I am getting buried in Erie
mail. Every day I feel like I get mail from Erie. I just cannot fathom
why I am unable to have any online access to my own information.
And more importantly I don’t understand why there is no online
billing option. Is this Erie’s policy nationwide? Is there anyway in
the universe to get some semblance account or electronic mail instead
of paper.

if there no other option. Will you please update my address on all
policies. And also, is the estate good for remainder of a year? Or did
of the changes result in more money due and different deadlines?
Also, will you please remind me if I paid the car insurance? Sorry to
dump this on you but I have never before had any insurance policy
terminated for a late payment. This freaks me out and I cannot let it
happen again especially with the estate property.
Anything you can do to help, will be greatly appreciated as always!
Uta
ERIE00012820-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Dec 14, 2020, at 9:42 AM, Preston Grafton Insurance


All good! I switched everything for you! Thanks for letting
ERIE00012920-2111/1311/13
me know. No worries at all!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

thing.
Sarah,
I knew this would happen and I apologize but upon

reflection, I need to revise a few instructions.
Specifically, the deductible should stay at $500.
Second, the dwelling replacement value should be
$300K if that coverage is available. For now (until I
obtain the applicable appraisals) the personal property
should be lowered to $100K.
I think we are good with everything else. I really hope

this does not cause you too much inconvenience! Have
a great night!
Uta
ERIE00013020-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

On Dec 10, 2020, at 2:07 PM, Preston

Grafton Insurance

Thank you! I will get this all set up for you!
Have a great day,
ERIE00013120-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Thursday, December 10, 2020 1:50 PM
Subject: Re: voneckartsberg condo policy.pdf
That is perfect. Thanks you you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00013220-2111/1311/13
this message.

Grafton Insurance

No problem!
This is increasing the personal property to

$300K, raising the deductible to $2,500 and
increasing the loss assessment to $50K.
Then annual premium would go from $687 to

$747 with these changes.
Sarah Campbell
2008 Murray Avenue
ERIE00013320-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the

updated policy for me along per our
discussions. Will you please just tell me the
out of the increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00013420-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
I am so sorry for the wording and confusion.

The comprehensive perils is the All Risk
coverage policy. So that is the coverage you
already have the condo. You guys have the best
coverage on the condo which is
comprehensive, all risk policy!
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Wednesday, December 09, 2020 10:50
PM
ERIE00013520-2111/1311/13
Totally. How much would it cost me for an

all-risk policy. At bare minimum, I do want
to raise coverage to $300K. To be honest,
I am not even sure exactly what the
coverage costs annually given that I paid so
many at once. Thank again. I appreciate
you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00013620-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss

assessment for $10,000. The maximum
amount you can increase this coverage up to
is $300,000.
The loss assessment has comprehensive

perils coverage. Comprehensive covers
everything except what is specifically
excluded in the policy. The all-risk insurance
policy is usually more expensive than the
named peril policy because it is more wide-
ranging. Under an all-risk policy, the burden
is on the insurance company to prove that
the peril causing the damage is not
excluded; otherwise, coverage applies.
Let me know if this makes sense!
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00013720-2111/1311/13
Sent: Wednesday, December 09, 2020 2:24 PM
Thank you! You probably answered this Q

but I didn’t recognize the language....
Do both Select and Plus plan cover special

assessments for covered peril? If so, what is
the maximum coverage? I’d like to go to
$50k if possible....? What perils are
covered?
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00013820-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
No worries! J
I have an updated quote for you on the

condo. I updated the liability to 800K, Erie
doesn’t have the 750K, so I just went the
next level up to 800K for you.
Erie’s “Loss of use” coverage does not give a

specified dollar amount for loss of use. Erie
will automatically provide “loss of use”
coverage up to 12 months and will cover any
reasonable expenses that would be
ERIE00013920-2111/1311/13
expected from your standard of living. If
you had to live in a hotel for a few days due
to a covered loss to your home and eat out
as a family, this would all be a covered
expense.
I included the 300K for personal property. I

also changed the deductible to $2,500. I
added the 50K of loss assessment.
For the rugs and the artwork we would

actually need to schedule them on the
policy for the value of each item.
Let me know if you want to move forward

with these changes on the policy and I can
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Tuesday, December 08, 2020 11:22 PM
ERIE00014020-2111/1311/13
Yes please. Can we go up on personal
liability to
$750k? Also, we can adjust deductible to
$2,500. Ditto, on any other applicable
policy. Is loss of use of coverage limited by
a percentage of contents and 24-month?

covered?
Also, I want to add endorsements for

artwork $50K and oriental rugs for @ 20K.
I know we should set a time to walk through
all this stuff but I am just swamped. I
don’t want to inconvenience you but would
it be possible to execute the policy you
suggest which incorporates higher coverage
as possible for the above-described items;
with the understanding that the new policy is
a placeholder until you and I can talk
hopefully this week or early next? I may
well not need to add or remove anything else
but until we talk, I am just not sure.
If that’s too much trouble, then no worries.

We’ll just try to set a time to talk this week
if possible. As always, thank you so very
much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00014120-2111/1311/13
this message.

Grafton Insurance

Hello Uta!
No worries at all! I am happy to help you. You

are not a loser at all! I completely understand
your confusion and the wording on this policy.
All the coverage listed on the declarations page

are coverages you have on the policy. So the
declarations page lists all the coverage you
have on the condo.
The condo is currently insured for a total value

of $250,000, with the Erie Secure condo plus
endorsement this increased the condo value to
$250,000. The 250,000 covers building
additions and alterations from the studs in
The master condo policy you would have with

the association would also provide you with
The condo policy is also an HO-6 policy as well.
We an absolutely increase the personal

property to 300K and the personal liability to
500K. This would take the premium to $943. I
ERIE00014220-2111/1311/13
have that quote attached for changing those
coverages.
Also if you look at the back page of the quote it

shows the Plus endorsement you have on the
condo policy. We can increase this coverage to
the Select Plan.
The select plan would give you the maximum

coverage the Erie Condo policy has to offer.
If you wanted to switch from the plus to the

select plan, increase your personal property to
300K and liability to 500K, the annual premium
would be $963.
Let me know if you want to get these changes

made to the policy.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Monday, December 07, 2020 11:54 PM
ERIE00014320-2111/1311/13
Subject: voneckartsberg condo policy.pdf
Sarah,
Not to torture you but I have reason to

believe my mom’s is seriously underinsured.
I have not yet been able to obtain a copy of
the Master Policy but I fairly confident it is
a bare bones policy. I know O am a loser
but I do not know how to interpret the policy
you sent me. Specifically for example, the
declaration page lists the following options
available (or applicable?):
OTHER STRUCTURES COVERAGE

OFF PREMISES
COMPUTER DEDUCTIBLE
INCLUDING SMART DEVICES - $100
DEDUCTIBLE
ADDITIONAL BUSINESS COMPUTER
COVERAGE UP TO $2,500
INCREASED POLICY LIMITS FOR
DEBRIS REMOVAL
AND PERSONAL PROPERTY AT
OTHER RESIDENCES
INCREASED POLICY LIMITS UP TO
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT
OR LOSING OF JEWELRY, FURS,
SILVERWARE, GUNS AND TRADING
CARDS ($3,000 MAXIMUM LIMIT PER
ITEM)
$750 FOR MONEY
ERIE INSURANCE COMPANY
ERIESECURE CONDO POLICY
Policy Q59-6402070 Declaration effective

11/14/2020
Page No: 2. ....
* $ 10,000 FOR LOSS ASSESSMENT
ERIE00014420-2111/1311/13
$ 5,000 FOR BUSINESS PERSONAL
PROPERTY
* $ 20,000 FOR ORDINANCE OR LAW

* $250,000 FOR BUILDING ADDITIONS
AND ALTERATIONS - INCLUDING
DWELLING OR REAL PROPERTY
COVERAGE
24 MONTHS FOR LOSS OF USE
Are all these items describing the insurance

we currently pay for or simply describing
additional maximum coverages available
for additional premiums?
And I think I previously referenced a HO- 3

policy but I now realize that we should have
an HO-6 policy. Do we? And are all the
amounts listed above referencing maximum
available coverage for each item? We
should def be insured up to the maximum
policy limits in each instance.
At this point, I believe we should have at

least $300K in dwelling coverage and
$500K in condo liability coverage. I guess
that be covered as part of our umbrella
policy but I am just at a loss with all this
stuff. I have never been very good at
If we do not currently have coverage for the

highlighted areas, then we need to add such
coverage as soon as possible. I probably
want to go above the current identified
amounts assuming we have the insurance
coverage in the first place. Also,
recognizing that this is a pathetic question in
the case of a total loss (because of fire or
something) am I correct that we would only
be covered for a total amount of $162K? If
so, that coverage is way too low. In the
event of a total loss, our coverage should be
$300k. Do we have “betterment and
alterations coverage? If not, can we add to
the current policy?
Also on the list of items beginning on pg 2
ERIE00014520-2111/1311/13
are the following:
And also on pg 2 are the following items:
$2,500 FOR EVIDENCE OF DEBT

$500 FOR THEFT OF MEDIA FROM A
MOTOR VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC GARAGE
DOOR MALFUNCTION
Are these part of our current coverage or is

the list simply to identify other available
coverages? If it’s the former then if it
makes sense we should write these items out
because they are not applicable to 5600.
Also do we have “peril” coverage?
I am really concerned about what is going

on this building. As fiduciary to the estate,
I have to be super proactive especially about
those matters where I have a (huge)
knowledge gap. No rush to immediately
respond. Sorry to subject you to this
missive but the estate stuff is so time
intensive that I have to write as things come
up or it will fall by the wayside.....
As alway, thank you so much for your

attention and time.
Uta
<voneckartsberg condo policy.pdf>
ERIE00014620-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

this message.

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00014720-2111/1311/13
this message.
ERIE00014820-2111/1311/13
Subject: Read: FW: voneckartsberg condo policy.pdf. One more thing.
Your message
Sent: Monday, February 1, 2021 1:51:07 AM (UTC-05:00) Eastern Time (US & Canada)
was read on Monday, February 1, 2021 6:39:44 AM (UTC-05:00) Eastern Time (US & Canada).
ERIE00014920-2111/1311/13
From: Electronic.Payments@erieinsurance.com
Subject: Erie Insurance Authorized Payment Confirmation
Date: Friday, January 8, 2021 6:09:44 PM
Erie Insurance
Dear Erie Insurance customer,
Thank you for your recent premium payment for policy/account number Q596007307. This is to
confirm your authorization of a one-time card payment on 1/8/2021 6:07:45 PM (ET) payable
to Erie Insurance.
Confirmation Number 026012

Policyholder Name UTA VONECKARTSBERG
Method of Payment Visa Debit
Card Number ****2155
ERIE will honor your payment as of the date and time stated in this confirmation provided your
financial institution honors your payment. Please note that it may take up to 2 business days for
the payment to be reflected by your financial institution.
If you have questions or need help, give us a call toll-free at 1-800-458-0811, option 4 or send us
an email at customercare@erieinsurance.com. Thank you for choosing Erie Insurance.
Thank you,
Erie Insurance
maybe unlawful.
ERIE00015020-2111/1311/13
Subject: Password change notification
Date: Friday, January 8, 2021 12:26:39 AM
Erie Insurance
Hello,
We've noticed that your Erie Insurance online account

password was changed. Securing your information is important
to us. So, if the request to change your password was not
submitted by you, we recommend resetting your password.
RESET PASSWORD
You may also give us a call toll-free at (800) 458-0811, option

4. Hours: Monday-Friday 8 a.m.-11 p.m., Saturday 9 a.m.-4:30
p.m. EST.
Thanks,
Your ERIE Customer Care Team
Disclaimer
This message (and any attachments) is confidential and is intended only for the addressee(s). This message
may contain information that is protected by one or more legally recognized privileges. If the reader of this
message is not the intended recipient, I did not intend to waive, and I do not waive, any legal privilege or
the confidentiality of the message. If you receive this message in error, please notify me immediately by
return e-mail and delete this message from your computer and network without saving it in any manner. The
unauthorized use, dissemination, distribution, or reproduction of this message, including attachments, is
prohibited and may be unlawful.
ERIE00015120-2111/1311/13
Subject: Reset your password
Erie Insurance
Hello,
Reset your password to create a new one for

erieinsurance.com.
RESET PASSWORD
This expires in one hour. If you need more time - no problem.

Just "reset your password" from ERIE's online account login
page and we'll send you a new one.
Securing your information is important to us. So, if you think you

should not have received this email, give us a call toll-free at
(800) 458-0811, option 4. Hours: Monday-Friday 8 a.m.-11
p.m., Saturday 9 a.m.-4:30 p.m. EST.
Thanks,
Your ERIE Customer Care Team
Disclaimer
ERIE00015220-2111/1311/13
Erie Insurance
confirm your authorization of a one-time card payment on 1/8/2021 12:16:14 AM (ET)
payable to Erie Insurance.

Thank you,
Erie Insurance
maybe unlawful.
ERIE00015320-2111/1311/13
To: UVONECK@OUTLOOK.COM
Date: Tuesday, December 29, 2020 2:57:49 PM
Erie Insurance
confirm your authorization of a one-time card payment on 12/29/2020 2:55:26 PM (ET)
payable to Erie Insurance.

Thank you,
Erie Insurance
maybe unlawful.
ERIE00015420-2111/1311/13
Bcc: uvoneck@outlook.com
Subject: Re: Erie payments Estate of Eve
Date: Tuesday, November 10, 2020 1:57:46 PM
uta renters invoice.pdf
uta renters insurance 5600 munhall rd.pdf

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Hello Uta!
No problem, I checked the billing on all the estate accounts and everything looks great!
Q59-6402070 5600 MUNHALL RD APT 309 – Paid in full for year
Q59-5106054 1211 ROSS AVE – Paid in full for year
Q35-0350756 Umbrella – Paid in full for year
Q10-0169125- Auto – Paid in full for year
There is a bill due on 11/20/2020 for the renters insurance policy at 1211 Ross ave- I attached the
invoice
ERIE00015520-2111/1311/13
For your renters policy at 1211 Ross Ave, we have the property here insured for $100,000- we can
reduce this amount to 50K, this would make the annual premium $247-
I can do another renters policy for you at 5600 Munhall rd. – that policy would be $120, for 50K of
personal property.
Let me know if this all makes sense! Thanks so much again!
Have a great day!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Subject: Erie payments Estate of Eve
Hi! Hope you are are well! So, I actually ended with so much mail from Erie that I am now a
bit confused. I made the below payments today. Do I owe any additional payment for the
estate? I think I paid in full all premiums owed annually for the upcoming year. Am I
missing any policy or payment? Also, will you do me a huge favor and tell me when I owe
my next payment on my personal property at Ross Avenue? In this regard, I probably need to
revise because 1/2 my property is now at 15217..... Will you please begin to write a new
personal property policy for my stuff at 5600? At the end of the day, I’ll probably end up with
the same figure but split in half.... Aargh. Lastly, because my (tiny) dog is now also a
resident at 5600, I need to ensure personal liability coverage in Pgh as well as Armstrong
County, right?
Estate administration is not fun. Hope all is well in your world. As always, thanks so much
for your help.
Uta
ERIE00015620-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00015720-2111/1311/13
Date: Monday, November 9, 2020 4:46:32 PM
Erie Insurance
Dear Erie Insurance Customer:
confirm your authorization of a one-time electronic payment from your bank account on
11/9/2020 4:43:56 PM (ET) payable to Erie Insurance.
Payment Reference
314606
Number
Policyholder Name ESTATE OF ELSA VONECKARTSBERG
Name On Account Estate of Elsa von Eckartsberg
Method of Payment Checking
Bank Routing Number 036076150
Bank Account Number ****1058
Thank you,
Erie Insurance
maybe unlawful.
ERIE00015820-2111/1311/13
Erie Insurance
Payment Reference
314567
Number
Name On Account estate of Elsa von Eckartsberg
Thank you,
Erie Insurance
maybe unlawful.
ERIE00015920-2111/1311/13
Erie Insurance
Payment Reference
314543
Number
Thank you,
Erie Insurance
maybe unlawful.
ERIE00016020-2111/1311/13
Erie Insurance
Payment Reference
314477
Number
Thank you,
Erie Insurance
maybe unlawful.
ERIE00016120-2111/1311/13
Date: Friday, October 2, 2020 12:50:17 AM
Erie Insurance
10/2/2020 12:43:36 AM (ET) payable to Erie Insurance.
Payment Reference
276019
Number
Name On Account UTA VON ECKARTSBERG
Thank you,
Erie Insurance
maybe unlawful.
ERIE00016220-2111/1311/13
From: rolftonio972
To: Uta Von eckartsberg; uvoneck@outlook.com
Subject: Erie Auto Insurance Card mailed 09-30-20 received Friday.pdf
Date: Tuesday, September 8, 2020 4:54:03 PM
Attachments: Erie Auto Insurance Card mailed 09-30-20 received Friday.pdf
This letter came this weekend_
Sent from Samsung Galaxy smartphone.
ERIE00016320-2111/1311/13
From: rolftonio972
To: Uta Von eckartsberg; uvoneck@outlook.com; rolf-tonio@hotmail.com
Subject: Erie Insurance Group Estate Elsa of Elsa von E Personal Cat Liab.pdf
Date: Saturday, September 5, 2020 2:26:16 PM
Attachments: Erie Insurance Group Estate Elsa of Elsa von E Personal Cat Liab.pdf
ERIE00016420-2111/1311/13
From: Preston Grafton
To: uvoneck@icloud.com
Subject: RE: Home Invoice
Date: Tuesday, June 6, 2017 3:54:16 PM
Hi,
Thank you so much for reaching out!
I am so sorry to hear that.
I don’t want you to be alarmed though, her policies are all in good standing.
I just spoke with Tonio and we took care of everything.
Thank you once again for helping to get everything taken care of.
Have a wonderful day!
Sincerely,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
“The greatest compliment I can receive is a referral to a friend, family member, or associate”
From: uvoneck@icloud.com [mailto:uvoneck@icloud.com]
ERIE00016520-2111/1311/13
Sent: Tuesday, June 06, 2017 2:59 PM
To: Preston Grafton <pg@prestongraftoninsurance.com>
Subject: Re: Home Invoice
Hi Rachel,
Thanks so much! I passed this info on to my mother and brother, Tonio. My mom's memory is not
what it used to be even though she does not like to admit it. There is no way she intends to let her
insurance policies expire. I expect the bills to be paid today or tomorrow but please keep me in the
look if that does not happen. Also, please let me know if there are any problems going forward
including with the condo fee.
My brother Tonio does the best he can to help my mom and other brother but he has his own health
challenges so it might all be a bit much for him.
I apologize for any inconvenience and appreciate your going the extra mile to reach out to my mom.
Please do not hesitate to email or call me with any additional concerns or questions.
Thanks so much!
Uta
Uta von Eckartsberg

_____________________________
From: Preston Grafton <pg@prestongraftoninsurance.com>
Sent: Tuesday, June 6, 2017 10:19 AM
To: <uvoneck@icloud.com>
Hi Uta,
Thank you so much for getting back to me!
Two of her three policies are past due.
On the Home policy, there is a past due quarterly balance of $127.50 and $32.50 is due on her
Umbrella policy.
I should also make you aware of her Condo policy, there is a payment coming up on the 14th
that will be due for $185.50
I have attached the cancellation notices to this email as well as the upcoming invoice for the
condo.
ERIE00016620-2111/1311/13
My number here at the office is 412-586-7340.
Let me know if you need anything else.
Thanks again!
Have a great day!
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437

Sent: Monday, June 05, 2017 6:33 PM
Hi Rachel,
Thank you. I apologize on behalf of my mom. This is Elsa's daughter, Uta. I cannot open the
attachment? Will please tell the outstanding amount and if my mom is behind by more than one
ERIE00016720-2111/1311/13
payment?
Whatever the amount is, it will be paid.
Thank you.
Uta von Eckartsberg

301.986.7959
_____________________________
Subject: Home Invoice
Good afternoon Elsa,
I hope you had a nice weekend!
I just wanted to touch base with you regarding the invoice for your Home policy with us.
It seems as though there is an outstanding balance on your policy.
We would love to help set up a pay plan that works best for you. J
Feel free to give us a call at 412-586-7340 to get this taken care of for you in order to avoid
cancellation.
Let me know if you have any questions.
Thanks so much, I look forward to speaking with you!
Best regards,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00016820-2111/1311/13
ERIE00016920-2111/1311/13
Date: Tuesday, June 6, 2017 10:18:59 AM
image2017-06-06-101745.pdf
Hi Uta,
Umbrella policy.
condo.
Thanks again!
Have a great day!
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00017020-2111/1311/13

Hi Rachel,
payment?
Thank you.
Uta von Eckartsberg

301.986.7959
_____________________________
ERIE00017120-2111/1311/13
cancellation.
Best regards,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00017220-2111/1311/13
Date: Monday, June 5, 2017 3:48:34 PM
cancellation.
Best regards,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00017320-2111/1311/13
image001.png
image002.png
image001.png
image001.png
image001.png
image001.png
image001.png
image001.png
image001.png
20210210_Invoice erie to uve latest bill .pdf

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
this message.

response to her kind email which I copied below. I paid $66.0@ because I was told that is
what I owe. And I understood that I was paying for my personal property at 122 Ross (so I
used my own credit card versus the estate account).
12/31/2020 and advises of a cancellation now rescinded I consideration of the 12/30 payment.
I had no idea I was late and never received any notice of any actual or pending cancellation.
The letter freaked me out so I accessed the ERIE onetime payment option to see what is up
with this account. The online biller told me I owed $71.00 by Jan. 8 (or 11). So I paid it.
Obviously I am confused as to why Erie thought I only owed $66.00 just a couple weeks
again. The 71.00 charge was debited from my account immediately. Therefore, since Dec.
30, I paid an aggregate amount of $131 (approximately).
ERIE00017420-2111/1311/13
track down the author of this letter and the basis for the cancellation? Actually, I just noticed
somewhere that inaccurately describes me as someone whose insurance was cancelled because
of untimely payment, the record needs to be corrected under the circumstances. I am guessing
that an internal record of cancellation for late payment could have negative consequences to
me in terms of the rates offered to me, etc.
And frankly I have been with Erie more than 25 years. I sent my mom to Erie. I would think
I would be treated with more consideration by Erie (not you or anyone at your office — you
guys are all awesome).
I don’t even know on what date I owed $66 (how late was I?) nor by what date I officially
owned another $71 payment. Can you find that info out for me?
And I also just got another statement requiring a $30 or $120 payment for my personal
property insurance at the Condo due on or before Jan. 11. It’s all catching me off card and the
cancellation and different records of what I actually owe or owed is also very upsetting. An
online account is key to avoid a situation like this.
Seems like every day there is some new problem related to the estate. Anyway, whatever
you can find out will be appreciated. Hopefully, we can also chat briefly on Monday. Have a
great weekend!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00017520-2111/1311/13


Hello Uta,
The email that was sent you was for the Ford City Rental- only $66 was due on this
invoice, the $10 late fee was not added on the invoice, so that is why they told you this
amount.
There is nothing due on the condo policy- with all the adjustments in coverages, there
was no additional bill due on that account.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00017620-2111/1311/13
your email, that I do owe money on my personal rent here per the attached bill
you just sent me, right?
And when does the one year for those bills paid in full end? Does the new,
upgraded policy for the condo require additional payment? If so, when do I need
to pay that money?
Sarah, you are the best but again I do not understand the online issues and the lack
of email billing. Will you please address those questions?
Thanks for all!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00017720-2111/1311/13

cancelation! J
Its looks like that bill is for the renters policy you at 1211 Ross Ave in Ford
city.
Also I see a payment posted for 12/30/2020 for the renters policy Ford
City. The payment due is 2/20/2021- $66
Your auto, ford city home, condo and umbrella policy are paid in full
nothing is due on those accounts.
I attached your renters bill for the Munhall address, I double checked and
that bill is being sent to 5600 Munhall rd.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00017820-2111/1311/13
Hi Sarah,
Happy New Year!! As you can see below, you guys contacted me so
I wouldn’t miss my due date which is much appreciated!! However I

change my address or see my policies. I am getting buried in Erie
mail. Every day I feel like I get mail from Erie. I just cannot fathom
why I am unable to have any online access to my own information.
And more importantly I don’t understand why there is no online
billing option. Is this Erie’s policy nationwide? Is there anyway in
the universe to get some semblance account or electronic mail instead
of paper.

policies. And also, is the estate good for remainder of a year? Or did
of the changes result in more money due and different deadlines?
Also, will you please remind me if I paid the car insurance? Sorry to
dump this on you but I have never before had any insurance policy
terminated for a late payment. This freaks me out and I cannot let it
happen again especially with the estate property.
Uta
ERIE00017920-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


All good! I switched everything for you! Thanks for letting
ERIE00018020-2111/1311/13
me know. No worries at all!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

thing.
Sarah,

reflection, I need to revise a few instructions.
Specifically, the deductible should stay at $500.
Second, the dwelling replacement value should be
$300K if that coverage is available. For now (until I
obtain the applicable appraisals) the personal property
should be lowered to $100K.
I think we are good with everything else. I really hope

this does not cause you too much inconvenience! Have
a great night!
Uta
ERIE00018120-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Grafton Insurance

Have a great day,
ERIE00018220-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00018320-2111/1311/13
this message.

Grafton Insurance

No problem!
This is increasing the personal property to

$300K, raising the deductible to $2,500 and
Then annual premium would go from $687 to

$747 with these changes.
Sarah Campbell
2008 Murray Avenue
ERIE00018420-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the

updated policy for me along per our
discussions. Will you please just tell me the
out of the increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00018520-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
I am so sorry for the wording and confusion.

The comprehensive perils is the All Risk
coverage policy. So that is the coverage you
already have the condo. You guys have the best
coverage on the condo which is
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sent: Wednesday, December 09, 2020 10:50
PM
ERIE00018620-2111/1311/13
Totally. How much would it cost me for an

all-risk policy. At bare minimum, I do want
to raise coverage to $300K. To be honest,
I am not even sure exactly what the
coverage costs annually given that I paid so
many at once. Thank again. I appreciate
you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00018720-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
Oh yes! Absolutely!

assessment for $10,000. The maximum
amount you can increase this coverage up to
is $300,000.
The loss assessment has comprehensive

perils coverage. Comprehensive covers
everything except what is specifically
excluded in the policy. The all-risk insurance
policy is usually more expensive than the
named peril policy because it is more wide-
ranging. Under an all-risk policy, the burden
is on the insurance company to prove that
the peril causing the damage is not
excluded; otherwise, coverage applies.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00018820-2111/1311/13
Thank you! You probably answered this Q

but I didn’t recognize the language....

covered?
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00018920-2111/1311/13
this message.

Grafton Insurance

Hello Uta,
No worries! J
I have an updated quote for you on the

condo. I updated the liability to 800K, Erie
doesn’t have the 750K, so I just went the
next level up to 800K for you.

specified dollar amount for loss of use. Erie
will automatically provide “loss of use”
coverage up to 12 months and will cover any
reasonable expenses that would be
ERIE00019020-2111/1311/13
expected from your standard of living. If
you had to live in a hotel for a few days due
to a covered loss to your home and eat out
as a family, this would all be a covered
expense.
I included the 300K for personal property. I

also changed the deductible to $2,500. I
added the 50K of loss assessment.
For the rugs and the artwork we would

actually need to schedule them on the
Let me know if you want to move forward

with these changes on the policy and I can
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00019120-2111/1311/13
liability to
$2,500. Ditto, on any other applicable
policy. Is loss of use of coverage limited by
a percentage of contents and 24-month?

covered?
Also, I want to add endorsements for

artwork $50K and oriental rugs for @ 20K.
I know we should set a time to walk through
all this stuff but I am just swamped. I
don’t want to inconvenience you but would
it be possible to execute the policy you
suggest which incorporates higher coverage
as possible for the above-described items;
with the understanding that the new policy is
a placeholder until you and I can talk
hopefully this week or early next? I may
well not need to add or remove anything else
but until we talk, I am just not sure.

We’ll just try to set a time to talk this week
if possible. As always, thank you so very
much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00019220-2111/1311/13
this message.

Grafton Insurance

Hello Uta!
No worries at all! I am happy to help you. You

are not a loser at all! I completely understand
your confusion and the wording on this policy.
All the coverage listed on the declarations page

are coverages you have on the policy. So the
declarations page lists all the coverage you
have on the condo.
The condo is currently insured for a total value

of $250,000, with the Erie Secure condo plus
$250,000. The 250,000 covers building
The master condo policy you would have with

the association would also provide you with
We an absolutely increase the personal

property to 300K and the personal liability to
500K. This would take the premium to $943. I
ERIE00019320-2111/1311/13
have that quote attached for changing those
coverages.

condo policy. We can increase this coverage to
the Select Plan.

If you wanted to switch from the plus to the

select plan, increase your personal property to
300K and liability to 500K, the annual premium
would be $963.

made to the policy.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00019420-2111/1311/13
Sarah,
Not to torture you but I have reason to

believe my mom’s is seriously underinsured.
I have not yet been able to obtain a copy of
the Master Policy but I fairly confident it is
a bare bones policy. I know O am a loser
but I do not know how to interpret the policy
you sent me. Specifically for example, the
declaration page lists the following options
available (or applicable?):
OTHER STRUCTURES COVERAGE

OFF PREMISES
COMPUTER DEDUCTIBLE
INCLUDING SMART DEVICES - $100
DEDUCTIBLE
INCREASED POLICY LIMITS FOR
DEBRIS REMOVAL
AND PERSONAL PROPERTY AT
OTHER RESIDENCES
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT
OR LOSING OF JEWELRY, FURS,
ITEM)
$750 FOR MONEY

11/14/2020
Page No: 2. ....
ERIE00019520-2111/1311/13
PROPERTY

COVERAGE
Are all these items describing the insurance

we currently pay for or simply describing
additional maximum coverages available
for additional premiums?

policy but I now realize that we should have
an HO-6 policy. Do we? And are all the
amounts listed above referencing maximum
available coverage for each item? We
should def be insured up to the maximum
policy limits in each instance.
At this point, I believe we should have at

least $300K in dwelling coverage and
$500K in condo liability coverage. I guess
that be covered as part of our umbrella
policy but I am just at a loss with all this
stuff. I have never been very good at

coverage as soon as possible. I probably
want to go above the current identified
amounts assuming we have the insurance
coverage in the first place. Also,
recognizing that this is a pathetic question in
the case of a total loss (because of fire or
something) am I correct that we would only
be covered for a total amount of $162K? If
so, that coverage is way too low. In the
event of a total loss, our coverage should be
alterations coverage? If not, can we add to
the current policy?
Also on the list of items beginning on pg 2
ERIE00019620-2111/1311/13
are the following:

MOTOR VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC GARAGE
DOOR MALFUNCTION
Are these part of our current coverage or is

the list simply to identify other available
coverages? If it’s the former then if it
makes sense we should write these items out
because they are not applicable to 5600.
Also do we have “peril” coverage?
I am really concerned about what is going

on this building. As fiduciary to the estate,
I have to be super proactive especially about
those matters where I have a (huge)
knowledge gap. No rush to immediately
respond. Sorry to subject you to this
missive but the estate stuff is so time
intensive that I have to write as things come
up or it will fall by the wayside.....
As alway, thank you so much for your

attention and time.
Uta
ERIE00019720-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

this message.

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00019820-2111/1311/13
this message.
ERIE00019920-2111/1311/13
From: Gus Sunseri
Subject: Re: Help! (Estate of EvE) ACP
Date: Saturday, October 10, 2020 5:42:45 PM
Will send you an answer Monday.
Sent from my iPhone
On Oct 9, 2020, at 4:27 PM, Uta von Eckartsberg <uvoneck@outlook.com>

wrote:

FYI. Please see below. Same question though with respect to any legal
implications of keeping the car car titled as is.
Couple more Qs: I plan to have TIAA distribute most of my non-probate liquid
funds into the estate account directly since I am currently the only person funding
it. What are the tax consequences of my funding the estate in this fashion? Am I
setting myself up to somehow ending up the 4.5 inheritance tax twice as well as
the federal income tax on all non-probate monies? Alternatively, is there
potentially either a federal or state tax benefit to me because I never have
possession or control because it is never in an account associated with but for
beneficiary status?
Last, I read on the PA Dept of Revenue site that you may be able to obtain
approval for my brothers to be billed directly for their contributions to the
inheritance tax. If so, is there any reason not to seek that they (not me as admin)
be responsible for filing their own inheritance tax? What would be the time
commitment on your part to make this happen?
Thanks.
Uta
ERIE00020020-2111/1311/13
Begin forwarded message:

Date: October 9, 2020 at 3:39:18 PM EDT
Subject: RE: Help! (Estate of EvE)

Hello Elsa-
No, you do not have to change the title to the Estate to have coverage with Erie. That is
fine, just leave the title as is until you can put into your name! Erie can keep the vehicle
insured with the title still under your moms name.
ThanksJ
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437

Sent: Friday, October 09, 2020 3:35 PM
Cc: Gusty Sunseri <gusty-sunseri@verizon.net>
Subject: Re: Help! (Estate of EvE)
As always, thank you. Per the subsequent email from 09/30 that I just sent you,
the registration was renewed in mom’s name per DMV instruction and I was told
to submit DMV Form 39 which serves to automatically update the registration.
However, it is not necessary to change title to update the registration to reflect the
estate. My question of you is, am I required to also transfer title to estate for
continued coverage per Erie?
ERIE00020120-2111/1311/13
And thank you for the suggestion but I can’t do that at the time. It is a probate
asset among other things. So do I need to change the title to the estate? I
copying our probate lawyer on this because I am super confused at this point.
Thanks. Gusty meet Sara — she’s great! And vice versa.
Thanks!
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
On Oct 9, 2020, at 3:24 PM, Preston Grafton Insurance


Hello Uta,
Thanks for your email! No problem I can help youJ
You can update the registration into your name when the registration is renewed. It is
not a problem, just let us know when you do update the registration on the vehicle.
If you have the choice I would recommend re-titling the vehicle in your name and not
the Estate name, because you’re going to have to get the vehicle titled eventually into
your name. So I would move forward on getting the vehicle title in your name and
when the registration renews put the registration in your name.
ERIE00020220-2111/1311/13
Thank you,
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
cid:image001.png@01D56E27.CD1F2D10

Sent: Friday, October 09, 2020 3:09 PM
Subject: Help!
Hi Sara,
I am having a lot of trouble figuring out the various forms, etc. for the car. As I
previously mentioned, I had to renew registration under mom’s name in order to
need the applicable deadline. I called DMV and explained situation and they said
I should renew and then submit Form 39 under PA Section 1513 which does not
require change of title (applicable to the driver of the car of decedent) but
automatically updates the registration to the Estate.
However, in trying to figure out Form 39, the operative instruction does not relate
back to Section 1513 but rather to Admin of Estate versus driver of car and offers
an option to retain re-title the car in the name of the Estate. Purely, with
registration and renewal under 1513, it’s not necessary to get the title changed for
at least the current registration period. From Erie’s perspective does the title
need to be changed for purposes of insurance coverage?
Thank you so much!
Uta
ERIE00020320-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00020420-2111/1311/13
ERIE00020520-2111/1311/13
Subject: RE: Dr. Elsa von Eckartsberg
Date: Thursday, October 1, 2020 1:07:37 PM
Hello Uta!
No worries!! Always happy to help youJ
Thanks again,
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437

Sent: Thursday, October 01, 2020 12:57 PM
Subject: Re: Dr. Elsa von Eckartsberg
Thank you!! I hope to be able to use the estate bank account which I am opening today to pay
that bill. If not, I can pay it online myself.
You are the absolute BEST.
Thank you
Uta
ERIE00020620-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
On Oct 1, 2020, at 11:51 AM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta,
Oh no problem, I can help make sure you get all your bills sent to you.
Erie doesn’t have a way to automatically send the bills automatically though email, but I can send
the bills to you manually.
So far this is the only bill that is due. This for the 2017 Merc GLC. I have the bill attached. – if you
give me a credit card I can process a payment for you on this.
The umbrella renews 11/3/2020- the annual bill is $110 and will be available on 10/13/2020 – to
email to you
The home at 1211 Ross ave renews on 11/1/2020 – the annual bill is $497 and will be available on
10/11/2020 to email to you
The condo at 5600 Munhall Rd apt 309 renews on 11/14/2020- this renewal has not come out yet,
the renewal will most likely be released in my system on 10/14/2020.
Let me know if this works!
Thanks,
Sarah Campbell
ERIE00020720-2111/1311/13
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00020820-2111/1311/13
Date: Thursday, October 1, 2020 11:51:03 AM
voneckartsberg auto bill 2017 merc GLC.pdf
Hello Uta,
Oh no problem, I can help make sure you get all your bills sent to you.
Erie doesn’t have a way to automatically send the bills automatically though email, but I can send
the bills to you manually.
So far this is the only bill that is due. This for the 2017 Merc GLC. I have the bill attached. – if you
give me a credit card I can process a payment for you on this.
The umbrella renews 11/3/2020- the annual bill is $110 and will be available on 10/13/2020 – to
email to you
The home at 1211 Ross ave renews on 11/1/2020 – the annual bill is $497 and will be available on
10/11/2020 to email to you
The condo at 5600 Munhall Rd apt 309 renews on 11/14/2020- this renewal has not come out yet,
the renewal will most likely be released in my system on 10/14/2020.
Let me know if this works!
Thanks,
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00020920-2111/1311/13
Sent: Thursday, October 01, 2020 11:39 AM
Hi Sarah,
Thanks! I am the sole administrator of my mother’s estate so everything has to go through me

now. The status of the properties and residence of each is not entirely clear yet. That’s why I
asked about electronic billing (email notification). Is that not a possibility? If not, I’ll get
back to with address info.
As always, thank you so much for your help. Have a great day!!’

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
On Oct 1, 2020, at 9:29 AM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta!
No problem, currently all the bills are going to 5600 Munhall Rd Apt 309-
Rolf- Tonio usually would call in every year and pay everything off with a credit card.
Let me know if you want me to send the bills to a different address.
ERIE00021020-2111/1311/13
We did discuss the liability on the condo- the condo has 300K liability with the umbrella policy that
would go over that. The umbrella is for $1M and this policy goes over the house, condo and vehicle
insurance. I think this is a good liability limit to have on the condo policy. The condo itself is also
insured for $250,000 replacement cost.
The one thing we did discuss was scheduling some rugs on the condo policy. I think you and Rolf-
Tonio were going to try and get them appraised.
Thanks so much!
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437

Sent: Wednesday, September 30, 2020 5:31 PM
Thank you, Sarah! I need to ensure that all records and bills going forward come to me so ideally I
would to set up an electronic account with notifications/bills sent to me electronically. In the past, I
have not been able to do that. Do you have any suggestions? By the way, I think we discussed this
ad nauseum recently but my head is like a sieve right now. I know you will understand; specifically, I
am again wondering if the policy on my mom’s condo particularly w/r/t personal property and
liability is way too low. Did we previously discuss this specific issue or were just talking about 1211
Ross? I recall you reassured me that the limits were good but not sure if 5600 was included in that
convo. And Sarah, I have a lot to do with respect changing addresses and policy stuff with respect
to potential moves going forward so I will definitely be reaching out.
Thank you so much and have a great night!
ERIE00021120-2111/1311/13
724.763.8885 (H)
301.461.7445 ©
724.631.5212 (fax)
this message.

Hello Uta,
Hope you are doing well! J
That all sounds perfect. Thank you so much for letting me know.
All your moms polices with Erie have been transferred into the Estate of Elsa Voneckartsberg.
If you end up taking over the title of the vehicle, let me know I can get the auto policy placed into
your name.
Thanks so much again for keeping me updated.
Let me know if you need anything!
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00021220-2111/1311/13
Hi Sarah,
Thank so much for your kind card. Means a lot. The latest is that (1) I received the letters of
administration and (2) have the estate EIN number. Tomorrow, I will open the financial
estate account.
Please let me know what you need from me to change all EvE policies to Estate of EvE
policies. Also, for reasons beyond my control the opening of probate took longer than
anticipated so I bumped against today’s hard deadline for car registration renewal. And while
it is no big deal to update DMV records to reflect Estate of Eve, there is no online service
allowing for me to get that info to them today.
The person I spoke to reached out to her supervisor that I should go ahead and renew as is
because as Adminstrator of the estate I am permitted to do so. And once I get them the Form
39, the registration will automatically update. I am telling you this only in case it has
relevance to Erie. If not, feel free to disregard. Otherwise, please let me know next steps.
Thank you for all as always!
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00021320-2111/1311/13
On Sep 8, 2020, at 3:35 PM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta!
No problem! I have the condo policy attached.
So the renewals for the polices will be available 1 month before the renewal date and I will know the
premiums then.
So around 10/1/2020 I should have access to your new premiums.
Nothing is due on any of the accounts now.
Thanks!
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00021420-2111/1311/13
Hello Uta!
No problem, currently all the bills are going to 5600 Munhall Rd Apt 309-
Rolf- Tonio usually would call in every year and pay everything off with a credit card.
Let me know if you want me to send the bills to a different address.
We did discuss the liability on the condo- the condo has 300K liability with the umbrella policy that
would go over that. The umbrella is for $1M and this policy goes over the house, condo and vehicle
insurance. I think this is a good liability limit to have on the condo policy. The condo itself is also
insured for $250,000 replacement cost.
The one thing we did discuss was scheduling some rugs on the condo policy. I think you and Rolf-
Tonio were going to try and get them appraised.
Thanks so much!
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437

Thank you, Sarah! I need to ensure that all records and bills going forward come to me so ideally I
ERIE00021520-2111/1311/13
would to set up an electronic account with notifications/bills sent to me electronically. In the past, I
have not been able to do that. Do you have any suggestions? By the way, I think we discussed this
ad nauseum recently but my head is like a sieve right now. I know you will understand; specifically, I
am again wondering if the policy on my mom’s condo particularly w/r/t personal property and
liability is way too low. Did we previously discuss this specific issue or were just talking about 1211
Ross? I recall you reassured me that the limits were good but not sure if 5600 was included in that
convo. And Sarah, I have a lot to do with respect changing addresses and policy stuff with respect
to potential moves going forward so I will definitely be reaching out.
Thank you so much and have a great night!

724.763.8885 (H)
301.461.7445 ©
724.631.5212 (fax)
this message.

Hello Uta,
Hope you are doing well! J
That all sounds perfect. Thank you so much for letting me know.
All your moms polices with Erie have been transferred into the Estate of Elsa Voneckartsberg.
If you end up taking over the title of the vehicle, let me know I can get the auto policy placed into
your name.
Thanks so much again for keeping me updated.
Let me know if you need anything!
ERIE00021620-2111/1311/13
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437

Hi Sarah,
Thank so much for your kind card. Means a lot. The latest is that (1) I received the letters of
administration and (2) have the estate EIN number. Tomorrow, I will open the financial
estate account.
Please let me know what you need from me to change all EvE policies to Estate of EvE
policies. Also, for reasons beyond my control the opening of probate took longer than
anticipated so I bumped against today’s hard deadline for car registration renewal. And while
it is no big deal to update DMV records to reflect Estate of Eve, there is no online service
allowing for me to get that info to them today.
The person I spoke to reached out to her supervisor that I should go ahead and renew as is
because as Adminstrator of the estate I am permitted to do so. And once I get them the Form
39, the registration will automatically update. I am telling you this only in case it has
relevance to Erie. If not, feel free to disregard. Otherwise, please let me know next steps.
Thank you for all as always!
Uta
ERIE00021720-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
On Sep 8, 2020, at 3:35 PM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta!
No problem! I have the condo policy attached.
So the renewals for the polices will be available 1 month before the renewal date and I will know the
premiums then.
So around 10/1/2020 I should have access to your new premiums.
Nothing is due on any of the accounts now.
Thanks!
Sarah Campbell
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00021820-2111/1311/13
Subject: Urgent
Date: Thursday, July 8, 2021 12:42:45 PM
Importance: High
Hi Uta,
Please contact our agency as soon as possible to discuss your billing account. It is very important
that I speak with you.
Thank you for your continued business.
Have a great day
Tomiann Keisling
201 S. Highland Ave. Suite 303
(P) 412-586-7340
(F) 412-904-1437
ERIE00021920-2111/1311/13
Subject: FRIENDLY REMINDER PAYMENT DUE :)
Date: Tuesday, July 13, 2021 1:49:20 PM
uta.pdf
Importance: High
Hi Uta,
I hope you are doing well!
I am reaching out regarding a payment due on your Tenant policy. I have attached the document for
your review.
Please call the office to make payment arrangements or if you have any questions.
If you have already made the payment, we thank you and please disregard this notice.
Thank you and have a great day!
Casey Ross
230 Wallace Rd.
Wexford, PA 15090
(P)724-940-2300
(F) 412-904-1437
www.PrestonGraftonAgency.com
ERIE00022020-2111/1311/13
Subject: Friendly Payment Due Reminder :)
Date: Friday, July 23, 2021 10:16:16 AM
voneck.pdf
Importance: High
Hi Uta,
I am reaching out regarding a payment due on your Tenant policy. I have attached the document for
your review.
Casey Ross
230 Wallace Rd.
Wexford, PA 15090
(P)724-940-2300
(F) 412-904-1437
ERIE00022120-2111/1311/13
From: Kelly Grafton
To: UVONECK@ICLOUD.COM
Subject: The more things change...
Date: Friday, July 30, 2021 4:06:10 PM
The more things

change…
thought bubbles showing car, house, family, wedding ring
ERIE00022220-2111/1311/13
… the more your insurance shouldn’t stay the
same.
An annual insurance review is a smart way to make sure your

insurance is keeping up with your life. We can help you with that.
If it’s been awhile since we’ve talked or if you’ve made major

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call.
We want to make sure you’re properly covered and getting all the
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Call us today or get your free review started by answering a

few quick questions.
START HERE
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412-561-1600
PG@PrestonGraftonInsurance.com
http://www.prestongraftonagency.com
Auto • Home • Business • Life
This advertisement was sent to you by
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Erie Insurance services are provided by one or more of the following: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance
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or Erie Insurance Company of New York (home office: Rochester, New York). Not all companies are licensed or operate in all states. Not all
products are offered in all states. Policy issuance is subject to eligibility criteria. Go to erieinsurance.com for company licensure and territory
information. S1718 11/15 © 2015 Erie Indemnity Company
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ERIE00022320-2111/1311/13
From: Preston & Grafton Insurance Agency
To: UVONECK@ICLOUD.COM
Subject: Enjoy the journey knowing the future is secure.
Date: Wednesday, July 28, 2021 1:08:08 PM
A message from Preston & Grafton Ins Agency
Erie Insurance
life is beautiful
Family hiking on a trail
ERIE00022420-2111/1311/13
Enjoy the journey knowing the future is
secure
Whether you’re just starting out, slowing things down, or
somewhere in between, term life insurance can cover those you
love. Through all of life’s stages, Erie Family Life can help protect
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You can also take this security into the future. Erie Family Life offers:
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increase your coverage amount as life progresses,* and
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Kelly Grafton
Preston & Grafton Ins Agency
412-561-1600
PG@PrestonGraftonInsurance.com
Try our LIFE INSURANCE CALCULATOR on erieinsurance.com
ERIE00022520-2111/1311/13
Erie Insurance
AUTO | HOME | BUSINESS | LIFE
Home Office | 100 Erie Insurance Place Erie, PA 16530 | (800) 458-0811
erieinsurance.com
*Guaranteed Insurability Option rider is subject to underwriting approval. Not available on

all plans. Issue ages 0-40. Talk to your agent for rider specifics, availability, terms and
conditions. Additional cost applies.
** In MD, this rider is called the Purchase Option Rider for Accelerated Benefit Long-Term
Care Insurance. In TN, this rider is called the Long Term Care Purchase Option Rider
(EFL1160 TN 3/19) This rider is not available in DC.
ERIE® insurance products and services are provided by one or more of the following
insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property &
Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance
Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home
office: Rochester, New York). The companies within the Erie Insurance Group are not
licensed to operate in all states. Go to erieinsurance.com for company licensure
information. The insurance products and rates, if applicable, described in this email are in
effect as of February 2021 and may be changed at any time. Insurance products are subject
to terms, conditions and exclusions not described in this email. The policy contains the
specific details of the coverages, terms, conditions, and exclusions. The insurance products
and services described in this email are not offered in all states. Eligibility will be
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ERIE00022720-2111/1311/13
From: Erie Insurance
Subject: Timber! What Happens If Your Neighbor"s Tree Falls in Your Yard?
Date: Thursday, July 22, 2021 7:12:01 PM
Plus, Summer driving 101: tips for planning a road trip and hauling your gear. View online
ERIESENSE Erie Insurance
JULY 2021
Preston & Grafton Insurance Agency

pg@prestongraftoninsurance.com
(412) 586-7340
Safe driving has its perks (and

we're not just talking about the
biggest perk: your safety). With
YourTurn®, you can earn
rewards for your great driving
habits.
What Happens If Your Neighbor's
ERIE00022820-2111/1311/13
Tree Falls in Your Yard?
Their tree. Your property. CRASH!
What happens when your neighbor's tree is an Before you hit the road, take a
unwelcome guest in (or on) your house? And who's look at our tips for how to pack
smart, plan a route and, most
responsible for the damage and clean-up?
importantly, prepare for any
mishaps that might come your
If a tree falls on your house or car, the first steps are the way on your next road trip.
same:
1. Take photos of the damage (and do what you can

to prevent further damage).
2. Call your Agent, who can start your claim.
From there, the process varies. But don't worry, ERIE is

here to help whether you're facing tree damage or
trying to avoid it.
Read more
Warm-weather activities bring
out gear of all shapes and sizes.
From bikes to boats and
camping gear to canoes, here
are our top tips for hauling your
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ERIE00023020-2111/1311/13
To: Uta Von eckartsberg
Subject: Friendly Reminder of payment due :)
Date: Tuesday, July 20, 2021 12:24:33 PM
uta.pdf
Importance: High
Hi Uta,
I am reaching out regarding a payment due on your Renters policy. I have attached the document for
your review.
Casey Ross
230 Wallace Rd.
Wexford, PA 15090
(P)724-940-2300
(F) 412-904-1437
ERIE00023120-2111/1311/13
Subject: On the Road Again
A message from Erie Insurance | View online
ErieSense
Piggy bank strapped to the top of a toy car
ERIE00023220-2111/1311/13
pile on the rewards
This summer, get rewarded
for safe driving.
Planning to hit the road this summer? Before you go, call
your ERIE Agent to enroll in YourTurn®—ERIE's telematics-
based reward program.
What is YourTurn?
YourTurn is a program that helps Erie Insurance auto

insurance Customers of all ages become more aware of
their driving behaviors, identify areas for improvement and
earn rewards for good driving.1
Since 2018, our Customers have earned more than

half a million dollars in rewards or as donations to
charities—all in recognition of good driving.
Why not join the fun? Whether you're planning that road
trip or just driving around town, the program can reward
you for safe driving behavior.
How it works and how to get started
Using your smartphone, the program tracks your driving

data and actions through a free mobile app. Give Preston &
Grafton Insurance Agency a call and let them know you are
interested in enrolling in the program. They can walk you
through the details of downloading the app.
ERIE00023320-2111/1311/13
3 Things to Know about YourTurn®
What the app measures: Hard acceleration, hard
braking, hard cornering, speeding, phone usage
while driving and miles driven.
You can use it for friendly competition: "Family

mode" is an opt-in program that allows family
members to see one another's scores, latest
location, trip details, trends and streaks. Scores
go into leaderboards and allow users to see how
they're performing compared to their peers.
It helps you become a safer driver: Within the

first 30 days of the program, users see an
average reduction in these activities: 35%
decrease in phone distractions, 20% reduction in
hard braking and 20% reduction in at-risk
speeding.2
What you can do with the rewards
You can earn $5 or $10 in the form of electronic gift cards

every two weeks.3 Use them on coffee runs, gifts for friends
and family or even to save for larger purchases or holiday
stocking stuffers. You also have the option to donate your
rewards to a charity of your choice.
Call your ERIE Agent today to enroll

(412) 586-7340
ERIE00023420-2111/1311/13
Erie Insurance
Home Office | 100 Erie Insurance Place | Erie, PA 16530

(800) 458-0811 | erieinsurance.com
1The YourTurn app requires participants to be a licensed driver on the ERIE auto policy and
have a valid email address, smartphone number and data plan to download and activate
the YourTurn app. Users must agree to the Terms and Conditions of the YourTurn® app.
2Driving improvement statistics provided by Cambridge Mobile Telematics.
3 YourTurn not available in all states. Ages 16-23 can earn rewards up to $10 every two
weeks, ages 24+ can earn rewards up to $5 every two weeks. Indiana participants,
regardless of age, can earn up to $5 every two weeks. As of March 15, 2021, program
available to Policyholders in Illinois, Indiana, Maryland, Ohio, Pennsylvania, Tennessee,
Virginia, Wisconsin and West Virginia. YourTurn is currently not available in the District of
Columbia, Kentucky, New York or North Carolina. Rewards are based on the participating
driver’s score during the scoring period while driving 50 tracked miles. Indiana participants
can earn up to $5 every two weeks. Rewards are distributed through the YourTurn app via
electronic gift cards.
Erie Insurance Exchange, Erie Insurance Co., Erie Insurance Property & Casualty Co., and
Erie Family Life Insurance Co. (Erie, PA) or Erie Insurance Co. of New York (Rochester, NY).
Go to erieinsurance.com for company licensure and product details. ERIE ® life and annuity
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ERIE00023520-2111/1311/13
Subject: You May Be Ready to Travel, But Is Your Car?
Date: Saturday, June 12, 2021 9:46:18 AM
Plus, Seeing Sparks: Crash Course in Electrical Safety and More View online
JUNE 2021

(412) 586-7340
Before you start plugging in

those summertime bonus items
like window air conditioners and
fans, make sure you've taken a
crash course in electrical safety.
Getting Ready to Roll This Summer

Travel Season
ERIE00023620-2111/1311/13
As restrictions begin to lift across the nation, Americans
are ready to hit the road. In fact, in our recent survey Trending strong: 2020's home
over half of respondents said they were planning to improvement kick is holding
steady midway through 2021
take at least one road trip this year.
and showing no signs of slowing
down. Here's why
In addition to delaying travel and vacations, the communicating with your agent
pandemic put a pause on regular vehicle maintenance. is a key part of the process.
From driving less to being preoccupied, read on to see
the reasons 1 in 5 people put off their vehicle
maintenance and what's past due.
Spoiler alert: tire rotation is one of them.
Any change in seasons can

bring the threat of severe
weather. Dust off your ruby
slippers and see weather or not
your home insurance covers
tornadoes.


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ERIE00023820-2111/1311/13
Subject: What Painting, Landscaping and Technology Can Do For You
Date: Friday, May 7, 2021 9:29:09 AM
Plus, From Texting to Mr. Nibbles, Here's How to Limit Driving Distractions View online
MAY 2021

(412) 586-7340
Disclaimer: The person in this

stock photo clearly missed our 8
steps to stop texting and
driving. Did you?
DIY Home Updates for Savvy Sellers

and Dwellers: Which Ones Have the
ERIE00023920-2111/1311/13
Biggest Payoff?
Before you set out on your next
Whether you're just settling in or getting ready to sell, puddle jumping adventure,
make sure you've done your due
there's plenty you can do on your own to boost your
diligence preparing your home
home's value. The best part? Most don't require a big for heavy rain.
budget and some might even be a little fun!
From painting bland (or too bright) walls a fresh color

to installing a smart thermostat or swapping out those
questionable bushes out front, here are seven value
boosting projects to tackle this summer.
Get your to do list ready.


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2008 Murray Ave
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ERIE00024020-2111/1311/13
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ERIE00024120-2111/1311/13
Subject: Another Winter Gone: How to Help Your House Recover
Date: Thursday, April 15, 2021 9:50:25 AM
Plus, Why You Need a Multi-Point Inspection + Going Green with Paperless Billing View online
APRIL 2021

(412) 586-7340
You rely on your car to get you

from point A to point B safely.
Take advantage of National Car
Care Month and show your ride
the love it deserves with a
roundup of our best tips.
Help Your Home Recover from

Winter
ERIE00024220-2111/1311/13
No matter where you live, winter packs a punch when it
comes to the strain it puts on your home. From
repairing damaged gutters to power-washing faded Knowing the condition of your
vehicle can help you catch and
deck boards, helping your home recover is about more
address potential issues before
than fixing what's broken.
they lead to dangerous failures
or costly repairs. Here's why you
Maybe spending more time at home has you ready for should consider a multi-point
a renovation? Well, before you start a new project (or inspection.
after you finish the one you’ve already started) make
sure you talk to your ERIE agent to see if you need to
make any changes to your current coverage.
While you're at it, talk to your agent about adding (or

upgrading) your coverage to include an ErieSecure®
Home Bundle, which can expand your protection with
higher limits and additional coverages for things like
Underground Service Line coverage or Equipment
Breakdown coverage.
No matter what you have planned for this spring, make

sure you've done your due diligence by reviewing our
spring maintenance checklist to keep your home in tip-
top shape.


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ERIE00024320-2111/1311/13
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ERIE00024420-2111/1311/13
Subject: How NOT to Drive in Winter Weather + Signs There Could Be a Mouse Living in Your Car
Date: Thursday, January 14, 2021 8:32:00 PM
Plus, Tips for Beating Cabin Fever & Our First Ever Tell-Us Questionnaire View online
JANUARY 2021
Gnawed wires. Damaged

upholstery. Foul odors. These are
all signs you may have a mouse
living in your car.
How NOT to Drive in the Winter
Winter driving calls for quick decision making, patience

and a little bit of know-how. As if that weren't enough Does too much time inside have
of a challenge, you may experience an inconsiderate — you going stir-crazy? Here are 21
ERIE00024520-2111/1311/13
or inexperienced- driver during your drive. ways to beat cabin fever.
Read on to find ways to spot a rookie winter driver —

and how to avoid looking like one yourself.
Read More

Preston & Grafton Insurance Agency pg@prestongraftoninsurance.com

2008 Murray Ave (412) 586-7340

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ERIE00024620-2111/1311/13
Date: Monday, January 11, 2021 9:00:25 AM
image007.png
Hello Uta,
I am so sorry! I don’t want you to be having all this confusion, I feel so bad.
You can call me today and I can go over all your accounts with Erie.
That invoice you attached, shows the $71 balance that was left on the renters policy in Ford City. Since
you paid that $71 on the 9th everything is paid up on the renters. You are actually get a $10 credit back,
because I got that late fee waived.
Also for the condo, we had made some changes that triggered a premium change, then the changes
were reversed and it took the balance on the condo back to $0.
Give me a call today and I can review everything with you!
Thanks so much for sending over all your concerns and detailed messages so we can get this all handled
for you.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00024720-2111/1311/13
response to her kind email which I copied below. I paid $66.0@ because I was told that is what I
owe. And I understood that I was paying for my personal property at 122 Ross (so I used my own
credit card versus the estate account).
12/31/2020 and advises of a cancellation now rescinded I consideration of the 12/30 payment. I
had no idea I was late and never received any notice of any actual or pending cancellation.
The letter freaked me out so I accessed the ERIE onetime payment option to see what is up with
this account. The online biller told me I owed $71.00 by Jan. 8 (or 11). So I paid it. Obviously I
am confused as to why Erie thought I only owed $66.00 just a couple weeks again. The 71.00
charge was debited from my account immediately. Therefore, since Dec. 30, I paid an aggregate
amount of $131 (approximately).
track down the author of this letter and the basis for the cancellation? Actually, I just noticed the
agent number — assume that this is not you.
somewhere that inaccurately describes me as someone whose insurance was cancelled because of
untimely payment, the record needs to be corrected under the circumstances. I am guessing that
an internal record of cancellation for late payment could have negative consequences to me in
terms of the rates offered to me, etc.
And frankly I have been with Erie more than 25 years. I sent my mom to Erie. I would think I
would be treated with more consideration by Erie (not you or anyone at your office — you guys
are all awesome).
I don’t even know on what date I owed $66 (how late was I?) nor by what date I officially owned
another $71 payment. Can you find that info out for me?
And I also just got another statement requiring a $30 or $120 payment for my personal property
insurance at the Condo due on or before Jan. 11. It’s all catching me off card and the cancellation
and different records of what I actually owe or owed is also very upsetting. An online account is
key to avoid a situation like this.
Seems like every day there is some new problem related to the estate. Anyway, whatever you
can find out will be appreciated. Hopefully, we can also chat briefly on Monday. Have a great
weekend!
Uta
ERIE00024820-2111/1311/13
ERIE00024920-2111/1311/13
ERIE00025020-2111/1311/13
ERIE00025120-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
may contain confidential and privileged information. If you are not the intended recipient, please
do not read, distribute, or take action in reliance upon the message. If you have received this
message in error, please notify the sender immediately by return e-mail and promptly delete this
message and its attachments from your computer system. Be advised that no privileges are waived
ERIE00025220-2111/1311/13

Hello Uta,
The email that was sent you was for the Ford City Rental- only $66 was due on this invoice,
the $10 late fee was not added on the invoice, so that is why they told you this amount.
There is nothing due on the condo policy- with all the adjustments in coverages, there was
no additional bill due on that account.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

your email, that I do owe money on my personal rent here per the attached bill you
just sent me, right?
And when does the one year for those bills paid in full end? Does the new, upgraded
policy for the condo require additional payment? If so, when do I need to pay that
money?
ERIE00025320-2111/1311/13
Sarah, you are the best but again I do not understand the online issues and the lack of
email billing. Will you please address those questions?
Thanks for all!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
recipient(s) and may contain confidential and privileged information. If you are not
the intended recipient, please do not read, distribute, or take action in reliance upon
the message. If you have received this message in error, please notify the sender


cancelation! J
Its looks like that bill is for the renters policy you at 1211 Ross Ave in Ford city.
ERIE00025420-2111/1311/13
Also I see a payment posted for 12/30/2020 for the renters policy Ford City.
The payment due is 2/20/2021- $66
Your auto, ford city home, condo and umbrella policy are paid in full nothing
is due on those accounts.
I attached your renters bill for the Munhall address, I double checked and that
bill is being sent to 5600 Munhall rd.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
Happy New Year!! As you can see below, you guys contacted me so I
wouldn’t miss my due date which is much appreciated!! However I
ERIE00025520-2111/1311/13

change my address or see my policies. I am getting buried in Erie mail.
Every day I feel like I get mail from Erie. I just cannot fathom why I am
unable to have any online access to my own information. And more
importantly I don’t understand why there is no online billing option. Is
this Erie’s policy nationwide? Is there anyway in the universe to get
some semblance account or electronic mail instead of paper.

policies. And also, is the estate good for remainder of a year? Or did of
the changes result in more money due and different deadlines? Also, will
you please remind me if I paid the car insurance? Sorry to dump this on
you but I have never before had any insurance policy terminated for a
late payment. This freaks me out and I cannot let it happen again
especially with the estate property.
Uta
ERIE00025620-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is for the exclusive use of the
intended recipient(s) and may contain confidential and privileged
received this message in error, please notify the sender immediately by
return e-mail and promptly delete this message and its attachments from
your computer system. Be advised that no privileges are waived by the


All good! I switched everything for you! Thanks for letting me
know. No worries at all!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00025720-2111/1311/13
Sarah,

reflection, I need to revise a few instructions. Specifically,
the deductible should stay at $500. Second, the dwelling
replacement value should be $300K if that coverage is
available. For now (until I obtain the applicable
appraisals) the personal property should be lowered to
$100K.
I think we are good with everything else. I really hope this

does not cause you too much inconvenience! Have a great
night!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

exclusive use of the intended recipient(s) and may contain
confidential and privileged information. If you are not the
ERIE00025820-2111/1311/13
intended recipient, please do not read, distribute, or take
action in reliance upon the message. If you have received
this message in error, please notify the sender immediately
by return e-mail and promptly delete this message and its
attachments from your computer system. Be advised that no
On Dec 10, 2020, at 2:07 PM, Preston Grafton

Insurance <pg@prestongraftoninsurance.com>
wrote:

Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00025920-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
This email message (and any attachments) is for

the exclusive use of the intended recipient(s)
and may contain confidential and privileged
information. If you are not the intended
recipient, please do not read, distribute, or take
action in reliance upon the message. If you have
received this message in error, please notify the
sender immediately by return e-mail and
promptly delete this message and its
attachments from your computer system. Be
advised that no privileges are waived by the

wrote:

No problem!
This is increasing the personal property to $300K,

raising the deductible to $2,500 and increasing the
ERIE00026020-2111/1311/13
loss assessment to $50K.
Then annual premium would go from $687 to $747

with these changes.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the updated

policy for me along per our discussions. Will
you please just tell me the out of the increase on
an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00026120-2111/1311/13
On Dec 10, 2020, at 9:05 AM, Preston Grafton

wrote:

Hello Uta,
I am so sorry for the wording and confusion. The

comprehensive perils is the All Risk coverage policy.
So that is the coverage you already have the condo.
You guys have the best coverage on the condo
which is comprehensive, all risk policy!
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00026220-2111/1311/13
Totally. How much would it cost me for an all-

risk policy. At bare minimum, I do want to
raise coverage to $300K. To be honest, I am
not even sure exactly what the coverage costs
annually given that I paid so many at once.
Thank again. I appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00026320-2111/1311/13

wrote:

Hello Uta,
Oh yes! Absolutely!

assessment for $10,000. The maximum amount
you can increase this coverage up to is
$300,000.
The loss assessment has comprehensive perils

coverage. Comprehensive covers everything
except what is specifically excluded in the
policy. The all-risk insurance policy is usually
more expensive than the named peril policy
because it is more wide-ranging. Under an all-
risk policy, the burden is on the insurance
company to prove that the peril causing the
damage is not excluded; otherwise, coverage
applies.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00026420-2111/1311/13

Thank you! You probably answered this Q but I

didn’t recognize the language....

assessments for covered peril? If so, what is the
maximum coverage? I’d like to go to $50k if
possible....? What perils are covered?
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00026520-2111/1311/13

wrote:

Hello Uta,
No worries! J
I have an updated quote for you on the condo. I

updated the liability to 800K, Erie doesn’t have
the 750K, so I just went the next level up to
800K for you.

specified dollar amount for loss of use. Erie will
automatically provide “loss of use” coverage up
to 12 months and will cover any reasonable
expenses that would be expected from your
standard of living. If you had to live in a hotel
for a few days due to a covered loss to your
home and eat out as a family, this would all be a
covered expense.
ERIE00026620-2111/1311/13
I included the 300K for personal property. I also
changed the deductible to $2,500. I added the
50K of loss assessment.
For the rugs and the artwork we would actually

need to schedule them on the policy for the
value of each item.
Let me know if you want to move forward with

these changes on the policy and I can get it set
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


liability to
$2,500. Ditto, on any other applicable policy.
Is loss of use of coverage limited by a
percentage of contents and 24-month?
ERIE00026720-2111/1311/13
assessments for covered peril? If so, what is the
maximum coverage? I’d like to go to $50k if
possible....? What perils are covered?
Also, I want to add endorsements for artwork

$50K and oriental rugs for @ 20K. I know we
should set a time to walk through all this stuff
but I am just swamped. I don’t want to
inconvenience you but would it be possible to
execute the policy you suggest which
incorporates higher coverage as possible for the
above-described items; with the understanding
that the new policy is a placeholder until you
and I can talk hopefully this week or early next?
I may well not need to add or remove anything
else but until we talk, I am just not sure.

We’ll just try to set a time to talk this week if
possible. As always, thank you so very much
for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00026820-2111/1311/13

wrote:

Hello Uta!
No worries at all! I am happy to help you. You are

not a loser at all! I completely understand your
confusion and the wording on this policy.
All the coverage listed on the declarations page are

coverages you have on the policy. So the
declarations page lists all the coverage you have on
the condo.
The condo is currently insured for a total value of

$250,000, with the Erie Secure condo plus
$250,000. The 250,000 covers building additions
The master condo policy you would have with the

association would also provide you with outside
portion of the condo.
We an absolutely increase the personal property to

300K and the personal liability to 500K. This would
take the premium to $943. I have that quote
attached for changing those coverages.

condo policy. We can increase this coverage to the
Select Plan.

If you wanted to switch from the plus to the select

plan, increase your personal property to 300K and
liability to 500K, the annual premium would be
ERIE00026920-2111/1311/13
$963.

made to the policy.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
Not to torture you but I have reason to believe

my mom’s is seriously underinsured. I have
not yet been able to obtain a copy of the Master
Policy but I fairly confident it is a bare bones
policy. I know O am a loser but I do not know
how to interpret the policy you sent me.
Specifically for example, the declaration page
lists the following options available (or
applicable?):
OTHER STRUCTURES COVERAGE OFF

PREMISES
ERIE00027020-2111/1311/13
COMPUTER DEDUCTIBLE INCLUDING
SMART DEVICES - $100 DEDUCTIBLE
INCREASED POLICY LIMITS FOR DEBRIS
REMOVAL
AND PERSONAL PROPERTY AT OTHER
RESIDENCES
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT OR
LOSING OF JEWELRY, FURS,
ITEM)
$750 FOR MONEY

11/14/2020
Page No: 2. ....

PROPERTY

COVERAGE
Are all these items describing the insurance we

currently pay for or simply describing additional
maximum coverages available for additional
premiums?

policy but I now realize that we should have an
HO-6 policy. Do we? And are all the amounts
listed above referencing maximum available
coverage for each item? We should def be
ERIE00027120-2111/1311/13
insured up to the maximum policy limits in each
instance.
At this point, I believe we should have at least

$300K in dwelling coverage and $500K in
condo liability coverage. I guess that be
covered as part of our umbrella policy but I am
just at a loss with all this stuff. I have never
been very good at interpreting insurance
policies.

coverage as soon as possible. I probably want
to go above the current identified amounts
assuming we have the insurance coverage in the
first place. Also, recognizing that this is a
pathetic question in the case of a total loss
(because of fire or something) am I correct that
we would only be covered for a total amount of
$162K? If so, that coverage is way too low. In
the event of a total loss, our coverage should be
alterations coverage? If not, can we add to the
current policy?
Also on the list of items beginning on pg 2 are

the following:

MOTOR VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC GARAGE DOOR
MALFUNCTION
Are these part of our current coverage or is the

list simply to identify other available coverages?
If it’s the former then if it makes sense we
should write these items out because they are
not applicable to 5600. Also do we have
“peril” coverage?
I am really concerned about what is going on

this building. As fiduciary to the estate, I have
to be super proactive especially about those
ERIE00027220-2111/1311/13
matters where I have a (huge) knowledge gap.
No rush to immediately respond. Sorry to
subject you to this missive but the estate stuff is
so time intensive that I have to write as things
come up or it will fall by the wayside.....
As alway, thank you so much for your attention

and time.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00027320-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00027420-2111/1311/13
Date: Friday, January 8, 2021 1:18:52 PM
image002.png
Hello Uta,
The email that was sent you was for the Ford City Rental- only $66 was due on this invoice, the $10
late fee was not added on the invoice, so that is why they told you this amount.
There is nothing due on the condo policy- with all the adjustments in coverages, there was no
additional bill due on that account.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you, Sarah. I paid $71.00 as soon as I saw I owed another 71. I just don’t understand
why I was told I only owed 66.00 per the email below. I take it from your email, that I do
owe money on my personal rent here per the attached bill you just sent me, right?
ERIE00027520-2111/1311/13
And when does the one year for those bills paid in full end? Does the new, upgraded policy
for the condo require additional payment? If so, when do I need to pay that money?
Sarah, you are the best but again I do not understand the online issues and the lack of email
billing. Will you please address those questions?
Thanks for all!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Ok no problem! I can get this all fixed for you. None of your polices are in cancelation!
J
Also I see a payment posted for 12/30/2020 for the renters policy Ford City. The
payment due is 2/20/2021- $66
ERIE00027620-2111/1311/13
Your auto, ford city home, condo and umbrella policy are paid in full nothing is due on
those accounts.
I attached your renters bill for the Munhall address, I double checked and that bill is
being sent to 5600 Munhall rd.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
Happy New Year!! As you can see below, you guys contacted me so I wouldn’t
miss my due date which is much appreciated!! However I came to a letter from
Erie telling me that the “cancellation” of policy would be rescinded because I
made a partial payment with Jenny.
And then I went online to find I owe another $70 which I paid. However, I was
late in the first place because my address for some policies has not been undated
to reflect my current address.
ERIE00027720-2111/1311/13
And I signed in to the “online account” which does nothing. I can’t change my
address or see my policies. I am getting buried in Erie mail. Every day I feel
like I get mail from Erie. I just cannot fathom why I am unable to have any
online access to my own information. And more importantly I don’t understand
why there is no online billing option. Is this Erie’s policy nationwide? Is there
anyway in the universe to get some semblance account or electronic mail instead
of paper.

if there no other option. Will you please update my address on all policies. And
also, is the estate good for remainder of a year? Or did of the changes result in
more money due and different deadlines? Also, will you please remind me if I
paid the car insurance? Sorry to dump this on you but I have never before had
any insurance policy terminated for a late payment. This freaks me out and I
cannot let it happen again especially with the estate property.
Uta
ERIE00027820-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


All good! I switched everything for you! Thanks for letting me know. No
worries at all!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00027920-2111/1311/13
Sarah,
I knew this would happen and I apologize but upon reflection, I need
to revise a few instructions. Specifically, the deductible should stay
at $500. Second, the dwelling replacement value should be $300K if
that coverage is available. For now (until I obtain the applicable
appraisals) the personal property should be lowered to $100K.
I think we are good with everything else. I really hope this does not
cause you too much inconvenience! Have a great night!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00028020-2111/1311/13
On Dec 10, 2020, at 2:07 PM, Preston Grafton Insurance

Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00028120-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)



No problem!
This is increasing the personal property to $300K, raising the

deductible to $2,500 and increasing the loss assessment to
$50K.
Then annual premium would go from $687 to $747 with

these changes.
Sarah Campbell
2008 Murray Avenue
ERIE00028220-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the updated policy

for me along per our discussions. Will you please just
tell me the out of the increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00028320-2111/1311/13


Hello Uta,
I am so sorry for the wording and confusion. The

comprehensive perils is the All Risk coverage policy. So that
is the coverage you already have the condo. You guys have
the best coverage on the condo which is comprehensive, all
risk policy!
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Totally. How much would it cost me for an all-risk

policy. At bare minimum, I do want to raise coverage to
$300K. To be honest, I am not even sure exactly what
the coverage costs annually given that I paid so many at
once. Thank again. I appreciate you so much!
ERIE00028420-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)



Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss assessment

for $10,000. The maximum amount you can increase this
coverage up to is $300,000.
ERIE00028520-2111/1311/13
The loss assessment has comprehensive perils coverage.
Comprehensive covers everything except what is
specifically excluded in the policy. The all-risk insurance
policy is usually more expensive than the named peril
policy because it is more wide-ranging. Under an all-risk
policy, the burden is on the insurance company to prove
that the peril causing the damage is not excluded;
otherwise, coverage applies.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you! You probably answered this Q but I didn’t

recognize the language....
Do both Select and Plus plan cover special assessments

for covered peril? If so, what is the maximum coverage?
I’d like to go to $50k if possible....? What perils are
covered?
Thanks again!
ERIE00028620-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)



Hello Uta,
ERIE00028720-2111/1311/13
No worries! J
I have an updated quote for you on the condo. I updated

the liability to 800K, Erie doesn’t have the 750K, so I just
went the next level up to 800K for you.
Erie’s “Loss of use” coverage does not give a specified

dollar amount for loss of use. Erie will automatically
provide “loss of use” coverage up to 12 months and will
cover any reasonable expenses that would be expected
from your standard of living. If you had to live in a hotel
for a few days due to a covered loss to your home and
eat out as a family, this would all be a covered expense.
I included the 300K for personal property. I also changed

the deductible to $2,500. I added the 50K of loss
assessment.
For the rugs and the artwork we would actually need to

schedule them on the policy for the value of each item.
Let me know if you want to move forward with these

changes on the policy and I can get it set up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00028820-2111/1311/13
Yes please. Can we go up on personal liability to

$750k? Also, we can adjust deductible to $2,500.
Ditto, on any other applicable policy. Is loss of use of
coverage limited by a percentage of contents and 24-
month?
Do both Select and Plus plan cover special assessments

for covered peril? If so, what is the maximum coverage?
I’d like to go to $50k if possible....? What perils are
covered?
Also, I want to add endorsements for artwork $50K and

oriental rugs for @ 20K. I know we should set a time to
walk through all this stuff but I am just swamped. I
don’t want to inconvenience you but would it be possible
to execute the policy you suggest which incorporates
higher coverage as possible for the above-described
items; with the understanding that the new policy is a
placeholder until you and I can talk hopefully this week
or early next? I may well not need to add or remove
anything else but until we talk, I am just not sure.
If that’s too much trouble, then no worries. We’ll just

try to set a time to talk this week if possible. As always,
thank you so very much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00028920-2111/1311/13


Hello Uta!
No worries at all! I am happy to help you. You are not a loser

at all! I completely understand your confusion and the
wording on this policy.
All the coverage listed on the declarations page are

coverages you have on the policy. So the declarations page
lists all the coverage you have on the condo.
The condo is currently insured for a total value of $250,000,

with the Erie Secure condo plus endorsement this increased
the condo value to $250,000. The 250,000 covers building
The master condo policy you would have with the

association would also provide you with outside portion of
the condo.
We an absolutely increase the personal property to 300K

and the personal liability to 500K. This would take the
premium to $943. I have that quote attached for changing
those coverages.
Also if you look at the back page of the quote it shows the
Plus endorsement you have on the condo policy. We can
increase this coverage to the Select Plan.
ERIE00029020-2111/1311/13
The select plan would give you the maximum coverage the
Erie Condo policy has to offer.
If you wanted to switch from the plus to the select plan,

increase your personal property to 300K and liability to
500K, the annual premium would be $963.
Let me know if you want to get these changes made to the

policy.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
Not to torture you but I have reason to believe my

mom’s is seriously underinsured. I have not yet been
able to obtain a copy of the Master Policy but I fairly
confident it is a bare bones policy. I know O am a loser
but I do not know how to interpret the policy you sent
ERIE00029120-2111/1311/13
me. Specifically for example, the declaration page lists
the following options available (or applicable?):
OTHER STRUCTURES COVERAGE OFF

PREMISES
COMPUTER DEDUCTIBLE INCLUDING SMART
DEVICES - $100 DEDUCTIBLE
INCREASED POLICY LIMITS FOR DEBRIS
REMOVAL
AND PERSONAL PROPERTY AT OTHER
RESIDENCES
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT OR LOSING
OF JEWELRY, FURS,
SILVERWARE, GUNS AND TRADING CARDS
($3,000 MAXIMUM LIMIT PER ITEM)
$750 FOR MONEY
Policy Q59-6402070 Declaration effective 11/14/2020

Page No: 2. ....
$ 5,000 FOR BUSINESS PERSONAL PROPERTY

* $250,000 FOR BUILDING ADDITIONS AND
ALTERATIONS - INCLUDING
DWELLING OR REAL PROPERTY COVERAGE
Are all these items describing the insurance we currently

pay for or simply describing additional maximum
coverages available for additional premiums?
And I think I previously referenced a HO- 3 policy but I

now realize that we should have an HO-6 policy. Do
ERIE00029220-2111/1311/13
we? And are all the amounts listed above referencing
maximum available coverage for each item? We should
def be insured up to the maximum policy limits in each
instance.
At this point, I believe we should have at least $300K in

dwelling coverage and $500K in condo liability
coverage. I guess that be covered as part of our
umbrella policy but I am just at a loss with all this stuff.
I have never been very good at interpreting insurance
policies.
If we do not currently have coverage for the highlighted

areas, then we need to add such coverage as soon as
possible. I probably want to go above the current
identified amounts assuming we have the insurance
coverage in the first place. Also, recognizing that this
is a pathetic question in the case of a total loss (because
of fire or something) am I correct that we would only be
covered for a total amount of $162K? If so, that
coverage is way too low. In the event of a total loss, our
coverage should be $300k. Do we have “betterment
and alterations coverage? If not, can we add to the
current policy?
Also on the list of items beginning on pg 2 are the

following:

$500 FOR THEFT OF MEDIA FROM A MOTOR
VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC GARAGE DOOR
MALFUNCTION
Are these part of our current coverage or is the list

simply to identify other available coverages? If it’s the
former then if it makes sense we should write these items
out because they are not applicable to 5600. Also do we
have “peril” coverage?
I am really concerned about what is going on this

building. As fiduciary to the estate, I have to be super
proactive especially about those matters where I have a
ERIE00029320-2111/1311/13
(huge) knowledge gap. No rush to immediately
respond. Sorry to subject you to this missive but the
estate stuff is so time intensive that I have to write as
things come up or it will fall by the wayside.....
As alway, thank you so much for your attention and

time.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00029420-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

ERIE00029520-2111/1311/13
image003.png
Uta Renters bill for 5600 Munhall Rd.pdf
Ok no problem! I can get this all fixed for you. None of your polices are in cancelation! J
Also I see a payment posted for 12/30/2020 for the renters policy Ford City. The payment due is
2/20/2021- $66
Your auto, ford city home, condo and umbrella policy are paid in full nothing is due on those
accounts.
I attached your renters bill for the Munhall address, I double checked and that bill is being sent to
5600 Munhall rd.
Thanks again,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00029620-2111/1311/13
Hi Sarah,
Happy New Year!! As you can see below, you guys contacted me so I wouldn’t miss my due
date which is much appreciated!! However I came to a letter from Erie telling me that the
“cancellation” of policy would be rescinded because I made a partial payment with Jenny.
And then I went online to find I owe another $70 which I paid. However, I was late in the
first place because my address for some policies has not been undated to reflect my current
address.
And I signed in to the “online account” which does nothing. I can’t change my address or see
my policies. I am getting buried in Erie mail. Every day I feel like I get mail from Erie. I
just cannot fathom why I am unable to have any online access to my own information. And
more importantly I don’t understand why there is no online billing option. Is this Erie’s policy
nationwide? Is there anyway in the universe to get some semblance account or electronic mail
instead of paper.

if there no other option. Will you please update my address on all policies. And also, is the
estate good for remainder of a year? Or did of the changes result in more money due and
different deadlines? Also, will you please remind me if I paid the car insurance? Sorry to
dump this on you but I have never before had any insurance policy terminated for a late
payment. This freaks me out and I cannot let it happen again especially with the estate
property.
Uta
ERIE00029720-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


All good! I switched everything for you! Thanks for letting me know. No worries at all!
ERIE00029820-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
I knew this would happen and I apologize but upon reflection, I need to revise a
few instructions. Specifically, the deductible should stay at $500. Second, the
dwelling replacement value should be $300K if that coverage is available. For
now (until I obtain the applicable appraisals) the personal property should be
lowered to $100K.
I think we are good with everything else. I really hope this does not cause you too
much inconvenience! Have a great night!
Uta
ERIE00029920-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00030020-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


No problem!
ERIE00030120-2111/1311/13
This is increasing the personal property to $300K, raising the deductible to

$2,500 and increasing the loss assessment to $50K.
Then annual premium would go from $687 to $747 with these changes.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the updated policy for me along
per our discussions. Will you please just tell me the out of the
increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
ERIE00030220-2111/1311/13
724.631.5212 (FAX)


Hello Uta,
I am so sorry for the wording and confusion. The comprehensive perils is

the All Risk coverage policy. So that is the coverage you already have the
condo. You guys have the best coverage on the condo which is
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00030320-2111/1311/13
Totally. How much would it cost me for an all-risk policy. At bare

minimum, I do want to raise coverage to $300K. To be honest, I am
not even sure exactly what the coverage costs annually given that I
paid so many at once. Thank again. I appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00030420-2111/1311/13

Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss assessment for $10,000.
The maximum amount you can increase this coverage up to is
$300,000.

Comprehensive covers everything except what is specifically
excluded in the policy. The all-risk insurance policy is usually more
expensive than the named peril policy because it is more wide-
ranging. Under an all-risk policy, the burden is on the insurance
company to prove that the peril causing the damage is not excluded;
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you! You probably answered this Q but I didn’t recognize the
ERIE00030520-2111/1311/13
language....
Do both Select and Plus plan cover special assessments for covered
peril? If so, what is the maximum coverage? I’d like to go to $50k
if possible....? What perils are covered?
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00030620-2111/1311/13


Hello Uta,
No worries! J
I have an updated quote for you on the condo. I updated the liability
to 800K, Erie doesn’t have the 750K, so I just went the next level up
to 800K for you.
Erie’s “Loss of use” coverage does not give a specified dollar amount
for loss of use. Erie will automatically provide “loss of use” coverage
up to 12 months and will cover any reasonable expenses that would
be expected from your standard of living. If you had to live in a hotel
for a few days due to a covered loss to your home and eat out as a
family, this would all be a covered expense.
I included the 300K for personal property. I also changed the

deductible to $2,500. I added the 50K of loss assessment.
For the rugs and the artwork we would actually need to schedule
them on the policy for the value of each item.
Let me know if you want to move forward with these changes on the
policy and I can get it set up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00030720-2111/1311/13


$750k? Also, we can adjust deductible to $2,500. Ditto, on any
other applicable policy. Is loss of use of coverage limited by a
Also, I want to add endorsements for artwork $50K and oriental rugs
for @ 20K. I know we should set a time to walk through all this
stuff but I am just swamped. I don’t want to inconvenience you but
would it be possible to execute the policy you suggest which
incorporates higher coverage as possible for the above-described
items; with the understanding that the new policy is a placeholder
until you and I can talk hopefully this week or early next? I may
well not need to add or remove anything else but until we talk, I am
just not sure.
If that’s too much trouble, then no worries. We’ll just try to set a
time to talk this week if possible. As always, thank you so very
much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
ERIE00030820-2111/1311/13
724.631.5212 (FAX)


Hello Uta!
No worries at all! I am happy to help you. You are not a loser at all! I
completely understand your confusion and the wording on this policy.
All the coverage listed on the declarations page are coverages you have
on the policy. So the declarations page lists all the coverage you have on
the condo.
The condo is currently insured for a total value of $250,000, with the Erie
Secure condo plus endorsement this increased the condo value to
$250,000. The 250,000 covers building additions and alterations from the
studs in
The master condo policy you would have with the association would also
provide you with outside portion of the condo.
We an absolutely increase the personal property to 300K and the

personal liability to 500K. This would take the premium to $943. I have
that quote attached for changing those coverages.
Also if you look at the back page of the quote it shows the Plus
endorsement you have on the condo policy. We can increase this
ERIE00030920-2111/1311/13
The select plan would give you the maximum coverage the Erie Condo
If you wanted to switch from the plus to the select plan, increase your
personal property to 300K and liability to 500K, the annual premium
would be $963.
Let me know if you want to get these changes made to the policy.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
Not to torture you but I have reason to believe my mom’s is seriously

underinsured. I have not yet been able to obtain a copy of the Master
Policy but I fairly confident it is a bare bones policy. I know O am a
loser but I do not know how to interpret the policy you sent me.
Specifically for example, the declaration page lists the following
options available (or applicable?):
OTHER STRUCTURES COVERAGE OFF PREMISES
ERIE00031020-2111/1311/13
COMPUTER DEDUCTIBLE INCLUDING SMART DEVICES -
$100 DEDUCTIBLE
ADDITIONAL BUSINESS COMPUTER COVERAGE UP TO
$2,500
INCREASED POLICY LIMITS FOR DEBRIS REMOVAL
AND PERSONAL PROPERTY AT OTHER RESIDENCES
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT OR LOSING OF
JEWELRY, FURS,
SILVERWARE, GUNS AND TRADING CARDS ($3,000
MAXIMUM LIMIT PER ITEM)
$750 FOR MONEY

Page No: 2. ....

* $250,000 FOR BUILDING ADDITIONS AND ALTERATIONS -
INCLUDING
Are all these items describing the insurance we currently pay for or
simply describing additional maximum coverages available for
additional premiums?
And I think I previously referenced a HO- 3 policy but I now realize

that we should have an HO-6 policy. Do we? And are all the
amounts listed above referencing maximum available coverage for
each item? We should def be insured up to the maximum policy
limits in each instance.
At this point, I believe we should have at least $300K in dwelling

coverage and $500K in condo liability coverage. I guess that be
covered as part of our umbrella policy but I am just at a loss with all
this stuff. I have never been very good at interpreting insurance
ERIE00031120-2111/1311/13
policies.
If we do not currently have coverage for the highlighted areas, then

we need to add such coverage as soon as possible. I probably want
to go above the current identified amounts assuming we have the
insurance coverage in the first place. Also, recognizing that this is a
pathetic question in the case of a total loss (because of fire or
something) am I correct that we would only be covered for a total
amount of $162K? If so, that coverage is way too low. In the event
of a total loss, our coverage should be $300k. Do we have
“betterment and alterations coverage? If not, can we add to the
current policy?
Also on the list of items beginning on pg 2 are the following:

$500 FOR THEFT OF MEDIA FROM A MOTOR VEHICLE
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
$1,000 FOR AUTOMATIC GARAGE DOOR MALFUNCTION
Are these part of our current coverage or is the list simply to identify
other available coverages? If it’s the former then if it makes sense
we should write these items out because they are not applicable to
5600. Also do we have “peril” coverage?
I am really concerned about what is going on this building. As

fiduciary to the estate, I have to be super proactive especially about
those matters where I have a (huge) knowledge gap. No rush to
immediately respond. Sorry to subject you to this missive but the
estate stuff is so time intensive that I have to write as things come up
As alway, thank you so much for your attention and time.
Uta
ERIE00031220-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00031320-2111/1311/13
ERIE00031420-2111/1311/13
Subject: Erie Insurance!
Date: Tuesday, December 29, 2020 11:36:34 AM
Hi Uta,
I hope you have been well!
Just a friendly reminder that you have a payment due on your home insurance with us.
Feel free to give us a call at 412-586-7340 and we can get that taken care of for you
Thanks so much!
Jennifer Wehner
2008 Murray Ave
Pittsburgh, PA 15217
(P) 412-586-7340
(F) 412-904-1437
ERIE00031520-2111/1311/13
Date: Monday, December 14, 2020 12:48:08 PM
Nope! We are all good, I will send you an updated declaration page tomorrow when it processes in
the system.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you! Do I have to sign the new policy?

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00031620-2111/1311/13


Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
I knew this would happen and I apologize but upon reflection, I need to revise a
few instructions. Specifically, the deductible should stay at $500. Second, the
dwelling replacement value should be $300K if that coverage is available. For
ERIE00031720-2111/1311/13
now (until I obtain the applicable appraisals) the personal property should be
lowered to $100K.
I think we are good with everything else. I really hope this does not cause you too
much inconvenience! Have a great night!
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


ERIE00031820-2111/1311/13
Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00031920-2111/1311/13


No problem!
This is increasing the personal property to $300K, raising the deductible to

$2,500 and increasing the loss assessment to $50K.
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00032020-2111/1311/13
Awesome! Will you please prepare the updated policy for me along
per our discussions. Will you please just tell me the out of the
increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Hello Uta,
I am so sorry for the wording and confusion. The comprehensive perils is

the All Risk coverage policy. So that is the coverage you already have the
condo. You guys have the best coverage on the condo which is
Thank you!!
ERIE00032120-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Totally. How much would it cost me for an all-risk policy. At bare

minimum, I do want to raise coverage to $300K. To be honest, I am
not even sure exactly what the coverage costs annually given that I
paid so many at once. Thank again. I appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00032220-2111/1311/13


Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss assessment for $10,000.
The maximum amount you can increase this coverage up to is
$300,000.

Comprehensive covers everything except what is specifically
excluded in the policy. The all-risk insurance policy is usually more
expensive than the named peril policy because it is more wide-
ranging. Under an all-risk policy, the burden is on the insurance
company to prove that the peril causing the damage is not excluded;
Thank you,
Sarah Campbell
2008 Murray Avenue
ERIE00032320-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you! You probably answered this Q but I didn’t recognize the
language....
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00032420-2111/1311/13


Hello Uta,
No worries! J
I have an updated quote for you on the condo. I updated the liability
to 800K, Erie doesn’t have the 750K, so I just went the next level up
to 800K for you.
Erie’s “Loss of use” coverage does not give a specified dollar amount
for loss of use. Erie will automatically provide “loss of use” coverage
up to 12 months and will cover any reasonable expenses that would
be expected from your standard of living. If you had to live in a hotel
for a few days due to a covered loss to your home and eat out as a
family, this would all be a covered expense.
I included the 300K for personal property. I also changed the

deductible to $2,500. I added the 50K of loss assessment.
For the rugs and the artwork we would actually need to schedule
ERIE00032520-2111/1311/13
them on the policy for the value of each item.
Let me know if you want to move forward with these changes on the
policy and I can get it set up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


$750k? Also, we can adjust deductible to $2,500. Ditto, on any
other applicable policy. Is loss of use of coverage limited by a
Also, I want to add endorsements for artwork $50K and oriental rugs
for @ 20K. I know we should set a time to walk through all this
stuff but I am just swamped. I don’t want to inconvenience you but
would it be possible to execute the policy you suggest which
incorporates higher coverage as possible for the above-described
items; with the understanding that the new policy is a placeholder
until you and I can talk hopefully this week or early next? I may
well not need to add or remove anything else but until we talk, I am
ERIE00032620-2111/1311/13
just not sure.
If that’s too much trouble, then no worries. We’ll just try to set a
time to talk this week if possible. As always, thank you so very
much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Hello Uta!
No worries at all! I am happy to help you. You are not a loser at all! I
completely understand your confusion and the wording on this policy.
All the coverage listed on the declarations page are coverages you have
on the policy. So the declarations page lists all the coverage you have on
the condo.
The condo is currently insured for a total value of $250,000, with the Erie
ERIE00032720-2111/1311/13
Secure condo plus endorsement this increased the condo value to
$250,000. The 250,000 covers building additions and alterations from the
studs in
The master condo policy you would have with the association would also
provide you with outside portion of the condo.
We an absolutely increase the personal property to 300K and the

personal liability to 500K. This would take the premium to $943. I have
that quote attached for changing those coverages.
Also if you look at the back page of the quote it shows the Plus
endorsement you have on the condo policy. We can increase this
The select plan would give you the maximum coverage the Erie Condo
If you wanted to switch from the plus to the select plan, increase your
personal property to 300K and liability to 500K, the annual premium
would be $963.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00032820-2111/1311/13
Sarah,

underinsured. I have not yet been able to obtain a copy of the Master
Policy but I fairly confident it is a bare bones policy. I know O am a
loser but I do not know how to interpret the policy you sent me.
Specifically for example, the declaration page lists the following
options available (or applicable?):

COMPUTER DEDUCTIBLE INCLUDING SMART DEVICES -
$100 DEDUCTIBLE
ADDITIONAL BUSINESS COMPUTER COVERAGE UP TO
$2,500
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT OR LOSING OF
JEWELRY, FURS,
SILVERWARE, GUNS AND TRADING CARDS ($3,000
MAXIMUM LIMIT PER ITEM)
$750 FOR MONEY

Page No: 2. ....

ERIE00032920-2111/1311/13
INCLUDING
Are all these items describing the insurance we currently pay for or
simply describing additional maximum coverages available for
additional premiums?
And I think I previously referenced a HO- 3 policy but I now realize

that we should have an HO-6 policy. Do we? And are all the
amounts listed above referencing maximum available coverage for
each item? We should def be insured up to the maximum policy
limits in each instance.
At this point, I believe we should have at least $300K in dwelling

coverage and $500K in condo liability coverage. I guess that be
covered as part of our umbrella policy but I am just at a loss with all
this stuff. I have never been very good at interpreting insurance
policies.
If we do not currently have coverage for the highlighted areas, then

we need to add such coverage as soon as possible. I probably want
to go above the current identified amounts assuming we have the
insurance coverage in the first place. Also, recognizing that this is a
pathetic question in the case of a total loss (because of fire or
something) am I correct that we would only be covered for a total
amount of $162K? If so, that coverage is way too low. In the event
of a total loss, our coverage should be $300k. Do we have
“betterment and alterations coverage? If not, can we add to the
current policy?

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Are these part of our current coverage or is the list simply to identify
other available coverages? If it’s the former then if it makes sense
we should write these items out because they are not applicable to
5600. Also do we have “peril” coverage?
ERIE00033020-2111/1311/13
I am really concerned about what is going on this building. As
fiduciary to the estate, I have to be super proactive especially about
those matters where I have a (huge) knowledge gap. No rush to
immediately respond. Sorry to subject you to this missive but the
estate stuff is so time intensive that I have to write as things come up
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00033120-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00033220-2111/1311/13
Date: Monday, December 14, 2020 9:42:01 AM
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
I knew this would happen and I apologize but upon reflection, I need to revise a few
instructions. Specifically, the deductible should stay at $500. Second, the dwelling
replacement value should be $300K if that coverage is available. For now (until I obtain the
applicable appraisals) the personal property should be lowered to $100K.
I think we are good with everything else. I really hope this does not cause you too much
inconvenience! Have a great night!
Uta
ERIE00033320-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00033420-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


No problem!
This is increasing the personal property to $300K, raising the deductible to $2,500 and
ERIE00033520-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the updated policy for me along per our
discussions. Will you please just tell me the out of the increase on an annual
basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00033620-2111/1311/13


Hello Uta,
I am so sorry for the wording and confusion. The comprehensive perils is the All Risk
coverage policy. So that is the coverage you already have the condo. You guys have the
best coverage on the condo which is comprehensive, all risk policy!
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Totally. How much would it cost me for an all-risk policy. At bare minimum, I
do want to raise coverage to $300K. To be honest, I am not even sure exactly
what the coverage costs annually given that I paid so many at once. Thank again.
ERIE00033720-2111/1311/13
I appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss assessment for $10,000. The maximum
amount you can increase this coverage up to is $300,000.
The loss assessment has comprehensive perils coverage. Comprehensive covers

everything except what is specifically excluded in the policy. The all-risk insurance
ERIE00033820-2111/1311/13
policy is usually more expensive than the named peril policy because it is more
wide-ranging. Under an all-risk policy, the burden is on the insurance company to
prove that the peril causing the damage is not excluded; otherwise, coverage
applies.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thank you! You probably answered this Q but I didn’t recognize the language....
Do both Select and Plus plan cover special assessments for covered peril? If so,
what is the maximum coverage? I’d like to go to $50k if possible....? What
perils are covered?
Thanks again!
ERIE00033920-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Hello Uta,
No worries! J
I have an updated quote for you on the condo. I updated the liability to 800K, Erie
doesn’t have the 750K, so I just went the next level up to 800K for you.
Erie’s “Loss of use” coverage does not give a specified dollar amount for loss of
use. Erie will automatically provide “loss of use” coverage up to 12 months and
will cover any reasonable expenses that would be expected from your standard of
living. If you had to live in a hotel for a few days due to a covered loss to your
home and eat out as a family, this would all be a covered expense.
ERIE00034020-2111/1311/13
I included the 300K for personal property. I also changed the deductible to
$2,500. I added the 50K of loss assessment.
For the rugs and the artwork we would actually need to schedule them on the
Let me know if you want to move forward with these changes on the policy and I
can get it set up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


$750k? Also, we can adjust deductible to $2,500. Ditto, on any other applicable
policy. Is loss of use of coverage limited by a percentage of contents and 24-
month?
Do both Select and Plus plan cover special assessments for covered peril? If so,
what is the maximum coverage? I’d like to go to $50k if possible....? What
perils are covered?
Also, I want to add endorsements for artwork $50K and oriental rugs for @ 20K.
I know we should set a time to walk through all this stuff but I am just swamped.
ERIE00034120-2111/1311/13
I don’t want to inconvenience you but would it be possible to execute the policy
you suggest which incorporates higher coverage as possible for the above-
described items; with the understanding that the new policy is a placeholder until
you and I can talk hopefully this week or early next? I may well not need to add
or remove anything else but until we talk, I am just not sure.
If that’s too much trouble, then no worries. We’ll just try to set a time to talk this
week if possible. As always, thank you so very much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)


Hello Uta!
No worries at all! I am happy to help you. You are not a loser at all! I completely
understand your confusion and the wording on this policy.
All the coverage listed on the declarations page are coverages you have on the policy.
So the declarations page lists all the coverage you have on the condo.
ERIE00034220-2111/1311/13
The condo is currently insured for a total value of $250,000, with the Erie Secure condo
plus endorsement this increased the condo value to $250,000. The 250,000 covers
building additions and alterations from the studs in
The master condo policy you would have with the association would also provide you
with outside portion of the condo.
We an absolutely increase the personal property to 300K and the personal liability to
500K. This would take the premium to $943. I have that quote attached for changing
those coverages.
Also if you look at the back page of the quote it shows the Plus endorsement you have
on the condo policy. We can increase this coverage to the Select Plan.
The select plan would give you the maximum coverage the Erie Condo policy has to
offer.
If you wanted to switch from the plus to the select plan, increase your personal
property to 300K and liability to 500K, the annual premium would be $963.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00034320-2111/1311/13
Sarah,

underinsured. I have not yet been able to obtain a copy of the Master Policy but I
fairly confident it is a bare bones policy. I know O am a loser but I do not know
how to interpret the policy you sent me. Specifically for example, the declaration
page lists the following options available (or applicable?):

COMPUTER DEDUCTIBLE INCLUDING SMART DEVICES - $100
DEDUCTIBLE
ADDITIONAL BUSINESS COMPUTER COVERAGE UP TO $2,500
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$5,000 FOR THEFT, MISPLACEMENT OR LOSING OF JEWELRY, FURS,
SILVERWARE, GUNS AND TRADING CARDS ($3,000 MAXIMUM LIMIT
PER ITEM)
$750 FOR MONEY

Page No: 2. ....

INCLUDING
Are all these items describing the insurance we currently pay for or simply
ERIE00034420-2111/1311/13
describing additional maximum coverages available for additional premiums?
And I think I previously referenced a HO- 3 policy but I now realize that we
should have an HO-6 policy. Do we? And are all the amounts listed above
referencing maximum available coverage for each item? We should def be
insured up to the maximum policy limits in each instance.
At this point, I believe we should have at least $300K in dwelling coverage and
$500K in condo liability coverage. I guess that be covered as part of our
umbrella policy but I am just at a loss with all this stuff. I have never been very
good at interpreting insurance policies.
If we do not currently have coverage for the highlighted areas, then we need to
add such coverage as soon as possible. I probably want to go above the current
identified amounts assuming we have the insurance coverage in the first place.
Also, recognizing that this is a pathetic question in the case of a total loss
(because of fire or something) am I correct that we would only be covered for a
total amount of $162K? If so, that coverage is way too low. In the event of a
total loss, our coverage should be $300k. Do we have “betterment and
alterations coverage? If not, can we add to the current policy?

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Are these part of our current coverage or is the list simply to identify other
available coverages? If it’s the former then if it makes sense we should write
these items out because they are not applicable to 5600. Also do we have “peril”
coverage?
I am really concerned about what is going on this building. As fiduciary to the

estate, I have to be super proactive especially about those matters where I have a
(huge) knowledge gap. No rush to immediately respond. Sorry to subject you to
this missive but the estate stuff is so time intensive that I have to write as things
come up or it will fall by the wayside.....
Uta
ERIE00034520-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00034620-2111/1311/13
ERIE00034720-2111/1311/13
Subject: Parking Lot Prep: What to Know About How Insurance Covers Parking Lot Accidents– Eriesense® E-Newsletter December 2020
Plus, Safety Tips for Holiday Shopping, Using Patio Heaters and More View online
DECEMBER 2020
Protect yourself from thieves,

pickpockets and porch pirates
with these shopping safety tips
for the holidays and beyond.
How Does Insurance Cover Parking

Lot Accidents?
Parking lots can be crazy places. Whether you’re at the Finding the perfect gift is hard.
mall, the grocery store or even just grabbing a quick Let us help with these gift ideas
ERIE00034820-2111/1311/13
pick-up order… all those cars coming and going can for car lovers, collectors &
commuters.
increase anyone’s chances of being in a parking lot
accident.
If your car gets hit (or worse, if you hit a car), here’s what
to know about how your insurance plays in.
Read More
Like many homeowners, you’re

looking for ways to stay
comfortable outside as the
temperature drops. Here’s what
to know about outdoor patio
heaters.


2008 Murray Ave (412) 586-7340

ERIE00034920-2111/1311/13
Unsubscribe
ERIE00035020-2111/1311/13
Subject: RE: voneckartsberg condo policy.pdf
Have a great day,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00035120-2111/1311/13
On Dec 10, 2020, at 1:26 PM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

No problem!
This is increasing the personal property to $300K, raising the deductible to $2,500 and increasing the
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00035220-2111/1311/13
Awesome! Will you please prepare the updated policy for me along per our discussions.
Will you please just tell me the out of the increase on an annual basis?
Thank you!!!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Dec 10, 2020, at 9:05 AM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Hello Uta,
I am so sorry for the wording and confusion. The comprehensive perils is the All Risk coverage policy.
So that is the coverage you already have the condo. You guys have the best coverage on the condo
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00035320-2111/1311/13

Totally. How much would it cost me for an all-risk policy. At bare minimum, I do want to
raise coverage to $300K. To be honest, I am not even sure exactly what the coverage costs
annually given that I paid so many at once. Thank again. I appreciate you so much!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:
ERIE00035420-2111/1311/13
Hello Uta,
Oh yes! Absolutely!
The plus and select bundle both cover loss assessment for $10,000. The maximum amount
you can increase this coverage up to is $300,000.
The loss assessment has comprehensive perils coverage. Comprehensive covers everything
except what is specifically excluded in the policy. The all-risk insurance policy is usually more
expensive than the named peril policy because it is more wide-ranging. Under an all-risk
policy, the burden is on the insurance company to prove that the peril causing the damage is
not excluded; otherwise, coverage applies.
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Do both Select and Plus plan cover special assessments for covered peril? If so, what is the
maximum coverage? I’d like to go to $50k if possible....? What perils are covered?
Thanks again!
ERIE00035520-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
No worries! J
I have an updated quote for you on the condo. I updated the liability to 800K, Erie doesn’t
have the 750K, so I just went the next level up to 800K for you.
Erie’s “Loss of use” coverage does not give a specified dollar amount for loss of use. Erie will
automatically provide “loss of use” coverage up to 12 months and will cover any reasonable
expenses that would be expected from your standard of living. If you had to live in a hotel for
ERIE00035620-2111/1311/13
a few days due to a covered loss to your home and eat out as a family, this would all be a
covered expense.
I included the 300K for personal property. I also changed the deductible to $2,500. I added the
For the rugs and the artwork we would actually need to schedule them on the policy for the
value of each item.
Let me know if you want to move forward with these changes on the policy and I can get it set
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


$750k? Also, we can adjust deductible to $2,500. Ditto, on any other applicable policy. Is
loss of use of coverage limited by a percentage of contents and 24-month?
Also, I want to add endorsements for artwork $50K and oriental rugs for @ 20K. I know we
should set a time to walk through all this stuff but I am just swamped. I don’t want to
ERIE00035720-2111/1311/13
inconvenience you but would it be possible to execute the policy you suggest which
incorporates higher coverage as possible for the above-described items; with the
understanding that the new policy is a placeholder until you and I can talk hopefully this week
or early next? I may well not need to add or remove anything else but until we talk, I am just
not sure.
If that’s too much trouble, then no worries. We’ll just try to set a time to talk this week if
possible. As always, thank you so very much for all.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta!
No worries at all! I am happy to help you. You are not a loser at all! I completely understand your
All the coverage listed on the declarations page are coverages you have on the policy. So the
declarations page lists all the coverage you have on the condo.
The condo is currently insured for a total value of $250,000, with the Erie Secure condo plus
ERIE00035820-2111/1311/13
endorsement this increased the condo value to $250,000. The 250,000 covers building additions and
alterations from the studs in
The master condo policy you would have with the association would also provide you with outside
We an absolutely increase the personal property to 300K and the personal liability to 500K. This
would take the premium to $943. I have that quote attached for changing those coverages.
Also if you look at the back page of the quote it shows the Plus endorsement you have on the condo
policy. We can increase this coverage to the Select Plan.
The select plan would give you the maximum coverage the Erie Condo policy has to offer.
If you wanted to switch from the plus to the select plan, increase your personal property to 300K
and liability to 500K, the annual premium would be $963.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00035920-2111/1311/13
Sarah,
Not to torture you but I have reason to believe my mom’s is seriously underinsured. I have
not yet been able to obtain a copy of the Master Policy but I fairly confident it is a bare bones
policy. I know O am a loser but I do not know how to interpret the policy you sent me.
Specifically for example, the declaration page lists the following options available (or
applicable?):

COMPUTER DEDUCTIBLE INCLUDING SMART DEVICES - $100 DEDUCTIBLE
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
SILVERWARE, GUNS AND TRADING CARDS ($3,000 MAXIMUM LIMIT PER ITEM)
$750 FOR MONEY

Page No: 2. ....

* $250,000 FOR BUILDING ADDITIONS AND ALTERATIONS - INCLUDING
Are all these items describing the insurance we currently pay for or simply describing
additional maximum coverages available for additional premiums?
And I think I previously referenced a HO- 3 policy but I now realize that we should have an
HO-6 policy. Do we? And are all the amounts listed above referencing maximum available
coverage for each item? We should def be insured up to the maximum policy limits in each
instance.
ERIE00036020-2111/1311/13
At this point, I believe we should have at least $300K in dwelling coverage and $500K in
condo liability coverage. I guess that be covered as part of our umbrella policy but I am just
at a loss with all this stuff. I have never been very good at interpreting insurance policies.
If we do not currently have coverage for the highlighted areas, then we need to add such
coverage as soon as possible. I probably want to go above the current identified amounts
assuming we have the insurance coverage in the first place. Also, recognizing that this is a
pathetic question in the case of a total loss (because of fire or something) am I correct that we
would only be covered for a total amount of $162K? If so, that coverage is way too low. In
the event of a total loss, our coverage should be $300k. Do we have “betterment and

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Are these part of our current coverage or is the list simply to identify other available
coverages? If it’s the former then if it makes sense we should write these items out because
they are not applicable to 5600. Also do we have “peril” coverage?
I am really concerned about what is going on this building. As fiduciary to the estate, I have
to be super proactive especially about those matters where I have a (huge) knowledge gap.
No rush to immediately respond. Sorry to subject you to this missive but the estate stuff is so
time intensive that I have to write as things come up or it will fall by the wayside.....
Uta
ERIE00036120-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00036220-2111/1311/13
5600 munhall condo quote.pdf
No problem!
This is increasing the personal property to $300K, raising the deductible to $2,500 and increasing the
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Awesome! Will you please prepare the updated policy for me along per our discussions.
Will you please just tell me the out of the increase on an annual basis?
Thank you!!!
ERIE00036320-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00036420-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
Oh yes! Absolutely!
ERIE00036520-2111/1311/13
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thanks again!
ERIE00036620-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
No worries! J
covered expense.
ERIE00036720-2111/1311/13
value of each item.
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


not sure.
ERIE00036820-2111/1311/13
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta!
ERIE00036920-2111/1311/13
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
ERIE00037020-2111/1311/13
applicable?):

PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY

Page No: 2. ....

instance.
ERIE00037120-2111/1311/13

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Uta

412.683.1591 (PH)
ERIE00037220-2111/1311/13
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00037320-2111/1311/13
From: Zach Flora
Uta,
Thank you. However, again nothing came through in reference to an attachment of the policy, but I do
have some understanding of your limits from the conversation with your agent.
When you have availability give me a call as I have a few questions.
Thank you.
Sincerely,
Zachary "Zach" Flora
Licensed Public Adjuster / Loss Appraiser
Tutwiler & Associates Public Adjusters
Pittsburgh Office
One PPG Place, Suite. 3100
Pittsburgh, Pennsylvania 15222
Corporate Office
Meridian II Building
4300 W. Cypress St, Suite. 780
Tampa, Florida 33607
PublicAdjuster.com
TF/INTL: 800.321.4488
DIRECT DIAL: 412.301.2350
CELL: 412.337.2504
CORP OFFICE: 813.287.8090
CORP FAX: 813.287.0862
"Putting Your Insurance To Work For You"
Visit Our Insurance Claims Tips Blog: “On Property”
On Wed, Dec 9, 2020 at 10:47 PM Uta Von eckartsberg <uvoneck@icloud.com> wrote:

Zach,
Thank you for getting back to me. Much appreciated! I hope you don’t mind but it seems
to me that the easiest thing is to forward the discussion between me and my insurance agent
to you. The current policy is attached. I am going to go to the plus plan. I also just found
ERIE00037420-2111/1311/13
out that the HOA Board recently got a new master policy for $40K less than the prior
policy. I am concerned that owners are now significantly underinsured under the master
policy.
I do have the file jacket for the applicable

Insurance policy and am happy to send it or any dox or information. I am very grateful for
your kind attention to this matter.
Uta
——-

Date: December 9, 2020 at 3:09:14 PM EST
To: Uta Von eckartsberg <uvoneck@icloud.com>
Hello Uta,
Oh yes! Absolutely!
Thank you,
Sarah Campbell
ERIE00037520-2111/1311/13
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thanks again!
ERIE00037620-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
message. If you have received this message in error, please notify the sender immediately by
return e-mail and promptly delete this message and its attachments from your computer
system. Be advised that no privileges are waived by the transmission of this message.

Hello Uta,
No worries! J
ERIE00037720-2111/1311/13
expenses that would be expected from your standard of living. If you had to live in a hotel
for a few days due to a covered loss to your home and eat out as a family, this would all be a
covered expense.
I included the 300K for personal property. I also changed the deductible to $2,500. I added
the 50K of loss assessment.
value of each item.
Let me know if you want to move forward with these changes on the policy and I can get it
set up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00037820-2111/1311/13
Thanks!
Uta
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00037920-2111/1311/13

Hello Uta!
endorsement this increased the condo value to $250,000. The 250,000 covers building additions
Also if you look at the back page of the quote it shows the Plus endorsement you have on the
condo policy. We can increase this coverage to the Select Plan.
ERIE00038020-2111/1311/13
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00038120-2111/1311/13
Sarah,
not yet been able to obtain a copy of the Master Policy but I fairly confident it is a bare
bones policy. I know O am a loser but I do not know how to interpret the policy you sent
me. Specifically for example, the declaration page lists the following options available (or
applicable?):
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
SILVERWARE, GUNS AND TRADING CARDS ($3,000 MAXIMUM LIMIT PER
ERIE00038220-2111/1311/13
ITEM)
$750 FOR MONEY
Page No: 2. ....
*$ 20,000 FOR ORDINANCE OR LAW
instance.
condo liability coverage. I guess that be covered as part of our umbrella policy but I am
just at a loss with all this stuff. I have never been very good at interpreting insurance
ERIE00038320-2111/1311/13
policies.
pathetic question in the case of a total loss (because of fire or something) am I correct that
we would only be covered for a total amount of $162K? If so, that coverage is way too
low. In the event of a total loss, our coverage should be $300k. Do we have “betterment
and alterations coverage? If not, can we add to the current policy?
$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
I am really concerned about what is going on this building. As fiduciary to the estate, I
have to be super proactive especially about those matters where I have a (huge) knowledge
gap. No rush to immediately respond. Sorry to subject you to this missive but the estate
stuff is so time intensive that I have to write as things come up or it will fall by the
wayside.....
ERIE00038420-2111/1311/13
Uta
412.683.1591 (PH)
301.461.7445 (
ERIE00038520-2111/1311/13
Date: Thursday, December 10, 2020 9:05:32 AM
Hello Uta,
Thank you!!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00038620-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
Oh yes! Absolutely!
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00038720-2111/1311/13
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00038820-2111/1311/13
wrote:

Hello Uta,
No worries! J
covered expense.
value of each item.
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00038920-2111/1311/13

not sure.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00039020-2111/1311/13
wrote:

Hello Uta!
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00039120-2111/1311/13
(Cell) 412-919-6777

Sarah,
applicable?):

PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY

Page No: 2. ....
ERIE00039220-2111/1311/13

instance.

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
ERIE00039320-2111/1311/13
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00039420-2111/1311/13
ERIE00039520-2111/1311/13
Date: Wednesday, December 9, 2020 3:09:14 PM
Hello Uta,
Oh yes! Absolutely!
Thank you,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

ERIE00039620-2111/1311/13
Thanks again!

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta,
No worries! J
covered expense.
ERIE00039720-2111/1311/13
value of each item.
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777


ERIE00039820-2111/1311/13
not sure.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta!
ERIE00039920-2111/1311/13
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
ERIE00040020-2111/1311/13
applicable?):

PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY

Page No: 2. ....

instance.
ERIE00040120-2111/1311/13

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Uta
ERIE00040220-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00040320-2111/1311/13
Date: Wednesday, December 9, 2020 9:43:10 AM
5600 munhall condo quote.pdf
Hello Uta,
No worries! J
covered expense.
value of each item.
up for you!
Thanks again!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00040420-2111/1311/13

not sure.
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00040520-2111/1311/13

wrote:

Hello Uta!
Thanks so much!
Sarah Campbell
ERIE00040620-2111/1311/13
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
applicable?):

PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY
ERIE00040720-2111/1311/13
Page No: 2. ....

instance.

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
ERIE00040820-2111/1311/13
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00040920-2111/1311/13
412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00041020-2111/1311/13
Date: Tuesday, December 8, 2020 10:33:12 AM
DOC120820-12082020102731.pdf
Hello Uta!
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00041120-2111/1311/13
(Cell) 412-919-6777

Sarah,
applicable?):

PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY

Page No: 2. ....
ERIE00041220-2111/1311/13

instance.

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
ERIE00041320-2111/1311/13
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00041420-2111/1311/13
ERIE00041520-2111/1311/13
Subject: RE: Signatures received for Uta VONECKARTSBERG"s Erie Insurance Application
No problem! J

Subject: Re: Signatures received for Uta VONECKARTSBERG's Erie Insurance Application
Yup, that’s it. Thank you!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Hello Uta,
The policy jacket is attached!
Thanks,
ERIE00041620-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thanks. But am I missing something? The attachment is like 2-pages. Isn’t there a master
policy or document that contains all relevant definitions, exclusions, limitations, applicable
time periods, etc., etc.? Apologize if I used the wrong descriptor in the initial email.
Thx again!!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00041720-2111/1311/13

wrote:

Hello Uta,
No problem! Thank you, I hope you had a great Thanksgiving as well.
I have the condo policy attached. She has no claims filed under the condo policy or the home in Ford
City.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
Hope you had a great Thanksgiving! While I have a zillion Erie mailings, I cannot seem to
locate the applicable complete policy for the condo. Would you mind sending it to me as well
as any applicable amendments, etc.? By the way, did my mom ever file a claim with Erie in
connection with the condo?
Thanks and hope all is well!!
ERIE00041820-2111/1311/13
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
On Nov 24, 2020, at 4:19 PM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

wrote:

Yes, I just received it! You as well! Happy Thanksgiving!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
<image001.png>

Sent: Tuesday, November 24, 2020 4:19 PM
ERIE00041920-2111/1311/13
Subject: Fwd: Signatures received for Uta VONECKARTSBERG's Erie Insurance Application
Done! I think... Thank you for all your help.
Have a wonderful holiday weekend!
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
From: Erie Insurance <eSign@erieinsurance.com>

Date: November 24, 2020 at 4:17:00 PM EST
To: Uta VONECKARTSBERG <uvoneck@icloud.com>
Subject: Signatures received for Uta VONECKARTSBERG's Erie Insurance
Application
Reply-To: Erie Insurance Production <esignlive_production@erieinsurance.com>
Hi Uta VONECKARTSBERG,
Thank you for signing Uta VONECKARTSBERG's Erie Insurance Application.
ERIE00042020-2111/1311/13
View signed document(s)
You may have other document(s) awaiting signature. Please check your email for
additional messages.
If you have any questions, please do not reply to this message, but instead contact
your ERIE Agent, Sarah Campbell (412)586-7340
Erie Insurance includes Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property
and Casualty Company, Erie Insurance Company of New York and Flagship City Insurance Company.
ERIE00042120-2111/1311/13
ESCPA 01-OCT-17.pdf
Hello Uta,
The policy jacket is attached!
Thanks,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Thanks. But am I missing something? The attachment is like 2-pages. Isn’t there a master
policy or document that contains all relevant definitions, exclusions, limitations, applicable
time periods, etc., etc.? Apologize if I used the wrong descriptor in the initial email.
Thx again!!
ERIE00042220-2111/1311/13
724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Hello Uta,
City.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
ERIE00042320-2111/1311/13
Hi Sarah,
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Sarah Campbell
2008 Murray Avenue
ERIE00042420-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
<image001.png>

Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00042520-2111/1311/13

Application
ERIE00042620-2111/1311/13
voneckartsberg condo policy.pdf
Hello Uta,
City.
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Hi Sarah,
ERIE00042720-2111/1311/13
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777
<image001.png>

ERIE00042820-2111/1311/13
Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

Application
ERIE00042920-2111/1311/13
ERIE00043020-2111/1311/13
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Uta

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00043120-2111/1311/13

Application
ERIE00043220-2111/1311/13
Subject: RE: Erie Insurance!
image003.png
Hello Uta!
You guys are good! The condo policy is an HO-6 policy covered for 250,000!
For the e-sign can try signing in with the year of birth for 1930-
Your birth date on the policy is 1/13/1961-
Let me know if signing in with 1930 works!
Thanks,
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Subject: Re: Erie Insurance!
Sarah, thanks. Will do. The condo association makes included the following in its FAQs:
1.
2. What kind of insurance should I carry as a condominium unit
owner?
Members of the building staff and management are not qualified to
ERIE00043320-2111/1311/13
render insurance advice. But, as an accommodation to potential unit
owners, we can report that generally speaking, at a minimum, condo
unit owners are urged to carry an HO-6 policy with an HO-32
Extended Risk Endorsement, or equivalent coverage. (We are told
that comparable coverage is available through underwriters who do
not use these ISO forms.).
I don’t what this refers to but are we covered accordingly?
Thx!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

There is just one more e-sign we need you to complete I just re-sent!

ERIE00043420-2111/1311/13
I thought I did. Only had one to sign, right? If it didn’t transmit effectively maybe resend? Thx and
sorry!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Good morning Uta,
Would you be so kind to complete the e-signature that was sent over to your email?
If you have any issues, please let me know. I’m happy to help
Sincerely,
ERIE00043520-2111/1311/13
Jennifer Wehner
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00043620-2111/1311/13
Date: Tuesday, November 24, 2020 9:47:15 AM
Importance: High
There is just one more e-sign we need you to complete I just re-sent!

sorry!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)

wrote:

Good morning Uta,
ERIE00043720-2111/1311/13
Sincerely,
Jennifer Wehner
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00043820-2111/1311/13
No worries at all! I just resent the link for you.
It looks like it is still pending so whenever you have a chance, please complete that for us
Jennifer Wehner
2008 Murray Ave
(P) 412-586-7340
(F) 412-904-1437

sorry!

724.763.8885 (h)
301.461.7445 (c)
724.631.5212 (fax)
ERIE00043920-2111/1311/13

wrote:

Good morning Uta,
Sincerely,
Jennifer Wehner
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00044020-2111/1311/13
Subject: Erie Insurance!
Date: Monday, November 23, 2020 10:47:45 AM
Good morning Uta,
Sincerely,
Jennifer Wehner
1565 McFarland Rd.
(P) 412-586-7340
(F) 412-904-1437
ERIE00044120-2111/1311/13
Subject: Oh Deer! How to Avoid This Common Driving Hazard – Eriesense® E-Newsletter November 2020
Date: Friday, November 13, 2020 4:52:47 PM
Plus, Why You Should Talk to a Local Agent Before Buying a Car, Dryer Maintenance and More View online
NOVEMBER 2020
Buying a Car: Why You Should

Talk to a Local Agent First
How to Avoid Hitting a Deer

Basic Dryer Maintenance: How
From October to December, mating and hunting
to Clean Dryer Vent Systems
seasons cause deer to be more mobile. For drivers, that
means you’re more likely to hit one, and according to
ERIE00044220-2111/1311/13
the National Insurance Crime Bureau, deer-vehicle
collisions are the top animal-related claim in the US.
Before you get too worried, here are some helpful tips
on how to avoid hitting a deer, and how to handle
things if you end up hitting one despite your best
efforts.
Read More
How to Get Better Gas Mileage


2008 Murray Ave (412) 586-7340

Unsubscribe
ERIE00044320-2111/1311/13
Subject: Download ERIE"s New Mobile App Today & Get Your Policy in Your Palm – Eriesense® E-Newsletter October 2020
Plus, Parking Lot Prowess, Fall Safe Driving Tips, and How to Get That Bat Out of Your Bathroom View online
OCTOBER 2020
How’s Your Parking Lot

Prowess?
Find out now. Plus, a quick quiz

reveals your parking personality!
Download ERIE’s Mobile App Today
Wherever you go, take ERIE with you. With our new
mobile app, you can access your insurance
information*, check the status of a claim, pay your bill, Bats, Begone
ERIE00044420-2111/1311/13
and contact your ERIE Agent. It’s convenient and easy,
and your ERIE policy information is all in one place. How to get a furry flyer out of
your house (and keep his friends
from coming in, too).
Learn More and Get It Today
Safe Driving Tips
Learn about fall driving hazards

and how to avoid them so you
can focus on the foliage.

MAKE A ACCESS READ OUR
PAYMENT YOUR POLICIES BLOG

2008 Murray Ave (412) 586-7340

*ID cards are not available in New York.
ERIE00044520-2111/1311/13
Unsubscribe
ERIE00044620-2111/1311/13
From: rolftonio972
To: Uta Von eckartsberg; uvoneck@outlook.com
Subject: Erie Insurance Mercedes Uta Elsa Due 10-01-20.pdf
Date: Thursday, September 24, 2020 11:22:46 PM
Attachments: Erie Insurance Mercedes Uta Elsa Due 10-01-20.pdf
Hi Uta,
Sending you scan Auto Insurance payment documentation
ERIE00044720-2111/1311/13
Subject: Continuing Care: How ERIE Is Responding to Our New Normal – Eriesense® E-Newsletter September 2020
Date: Thursday, September 24, 2020 1:58:32 AM
Plus, Life Insurance Awareness Month: Is Life Insurance at Work Enough, and Top Tips for Buying View online
SEPTEMBER 2020
I Have Life Insurance Through

Work. Isn’t That Enough?
Essential employee Joe. W. sanitizes tables at ERIE's

home office in Erie, Pa., to help keep other employees
safe.
Tips for Buying Life Insurance

ERIE’s Response to COVID-19 for the First Time
ERIE00044820-2111/1311/13
The COVID-19 pandemic has thrown us a lot of
curveballs in the past six months. Like many
organizations, ERIE has adapted while continuing to
care for our Customers and employees.
Most Customers have already heard about our rate

reductions and/or dividend payments, or the ERIE
Agents Giving Back program, but there may be some
ways ERIE is helping that you haven’t heard about.
Do You Have the Right
Read More Coverage for Your Roof?

MAKE A ACCESS READ OUR
PAYMENT YOUR POLICIES BLOG

2008 Murray Ave (412) 586-7340

Unsubscribe
ERIE00044920-2111/1311/13
Thank you, Sarah! I appreciate the detailed analysis. I would like to change to Select with
300/500K increased dwelling/personal limits.

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

wrote:

Hello Uta!
ERIE00045020-2111/1311/13
Thanks so much!
Sarah Campbell
2008 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
(Cell) 412-919-6777

Sarah,
applicable?):

ERIE00045120-2111/1311/13
PREMIUMS
INCL ABOVE
INCL ABOVE
INCL ABOVE
INCL ABOVE
$ 440.00
$750 FOR MONEY

Page No: 2. ....

instance.
ERIE00045220-2111/1311/13

$1,000 FOR LOCK v
$2,500 FOR TRAILERS
$1,000 FOR ANIMALS
Uta

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00045320-2111/1311/13

412.683.1591 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00045420-2111/1311/13
From: Rolf-Tonio von Eckartsberg
To: Uta von E
Subject: preston grafton ins contact
Date: Friday, November 22, 2013 10:44:24 AM
Hi U,
Bia may come in and later we will photograph hopefully the car and scene of the accident.
I will keep you posted if my mechanic calls me today.
Kelly Preston
http://www.prestongraftonagency.com/about.aspx
(412)-586-7340
my policy no.Q061012916

Ryan Grafton
Owner
Click here to contact Ryan Grafton Preston Grafton Insurance
Office Number (412) 586-7340
Fax Number (412) 904-1437
Download vCard

Kelly Preston
Owner
Click here to contact Kelly Preston Preston Grafton Insurance
Fax Number (412) 904-1437
Just give us a call and we will walk you through your claim and be sure you are
taken care of in the timeliest manner.
It is our pleasure to be there whenever you need us, whether it’s an adjustment to a
policy, a major change in your insurance needs or an unfortunate claim to be
handled. We are here to make sure you have a wonderful insurance experience and
assist you with answers and solutions instead of questions!
If you would feel more comfortable speaking with us in regards to your claim contact
our office and we would be happy to help!: 412-586-7340
ERIE00045520-2111/1311/13
From: uvoneck@icloud.com
To: Preston Grafton
Hi Rachel,
Thanks so much! I passed this info on to my mother and brother, Tonio. My mom's memory
is not what it used to be even though she does not like to admit it. There is no way she
intends to let her insurance policies expire. I expect the bills to be paid today or tomorrow but
please keep me in the look if that does not happen. Also, please let me know if there are any
problems going forward including with the condo fee.
My brother Tonio does the best he can to help my mom and other brother but he has his own
health challenges so it might all be a bit much for him.
I apologize for any inconvenience and appreciate your going the extra mile to reach out to my
mom. Please do not hesitate to email or call me with any additional concerns or questions.
Thanks so much!
Uta
Uta von Eckartsberg

_____________________________
Hi Uta,
Umbrella policy.
condo.
ERIE00045620-2111/1311/13
Thanks again!
Have a great day!
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
PRESTON GRAFTON LOGO

Hi Rachel,
payment?
ERIE00045720-2111/1311/13
Thank you.
Uta von Eckartsberg

301.986.7959
_____________________________
cancellation.
Best regards,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00045820-2111/1311/13
ERIE00045920-2111/1311/13
To: Preston Grafton
Hi Rachel,
Thank you. I apologize on behalf of my mom. This is Elsa's daughter, Uta. I cannot open
the attachment? Will please tell the outstanding amount and if my mom is behind by more
than one payment?
Thank you.
Uta von Eckartsberg

301.986.7959
_____________________________
cancellation.
Best regards,
Rachel Manso

2012 Murray Avenue
ERIE00046020-2111/1311/13
(P) 412-586-7340
(F) 412-904-1437
ERIE00046120-2111/1311/13
From: von Eckartsberg, Uta
To: von Eckartsberg, Uta
Cc: uvoneck@me.com
Subject: FW: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND CONFIDENTIAL]
Mtf: 4:15 pm:
Left message at NJ phone number. Told looking for contact info for T. Smith. Advised of
DUI and car and false insurance info. Said if Smith represented by counsel should have
counsel call me. Alternatively, he must get me appropriate insurance info immediately.
Advised that I am my brother’s legal counsel in this matter and that neither he nor his counsel
is to make any attempt to contact my brother directly.
They are to contact me ONLY
MTF:
Tucker Smith called me back directly. Admitted it was he that was in the accident right away
and began to profusely apologize. I interrupted him right away and asked if he was
represented by counsel. Told him that for the purposes of this incident, I was my brother’s
attorney (which I already made clear in my vm mail message). He said yes and I told him I
did not want him to say anything else to me until after he spoke with his counsel.
Told him that we needed either the name of his counsel or his insurance info now. He
claimed that he is insured and just gave To the wrong info by accident.
He said he was five minutes away from his house and that he would call me with the info as
soon as he got home.
MTF: It is now 5:36 and he has yet to call me back with the insurance info. My guess he is
reaching out to his counsel.
_____________________________________
Tucker M. Smith.
4:00 pm Followed up w/ PD and got address and info that follows:
1.732 757 5388

56 battin road
Fairhaven nj 07704
09 18 91
Prelim hearing 01.30.14

660 1st Avenue
Mtf:
Towing company called and advised Insured not insured by company which info was provided to my
ERIE00046220-2111/1311/13
brother. Apparently drunk driver is uninsured. Called AIG Chariers Ins. And confirmed policy
cancelled April 2011. Called Tow Company/brother/ Erie etc. Tow company will not charge us
much. Owner to call me with definitive rate. Told me he would release the car up to 11pm if To
wants it. Alternatively, he can hold it for however long we need him to depending on whether it is
best not to move it.
_______________________________

Sent: Friday, November 22, 2013 12:41 PM
Subject: FW: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
Claim number Erie: 010950691900 (medical)

Adjuster will call
Debra Bochek: 1 -855-899-8007 (Inside Claims represent)

Sent: Friday, November 22, 2013 11:30 AM
To: Rolf-Tonio von Eckartsberg; rolf-tonio@hotmail.com
Cc: tobiasvon@msn.com; von Eckartsberg, Uta; UVONECK@ME.COM
Subject: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND CONFIDENTIAL]
To, it’s good you have Erie – they are very aggressive in pursuing claims. Good job on the record
keeping. Now just call Dr. Singh and try to get a couple of hours sleep.
To’s Accident info
●11-21-2013
●9:43pm
●location:
corner of wightman ave and wilkins ave
nxt cvs pharmacy
weathe 51 degrees cloudy

streets dry
●Driver
need name of driver:

make of vehicle:
car has New Jersey plates
student i believe at Pitt
his insurance info written by police with web search by me...

insurance company:
ERIE00046320-2111/1311/13
private client group
1-888 724-8881
Chartis Property Casualty Company
0002231806
Chartis Property Casualty Company is located in New York City, NY and the phone
number for Chartis Property Casualty Company claims, customer, service, and
additional information is (212) 458-7000.

0002231806
ccr#13-234037
●Police Info:
Officer Susich (arresting PO)
To obtain report call 412.255.2920 three to five days from now. I’ll call and they will fax to me for a
fee.
Report CR 234037
Car towed to MSV Towing, Hazelwood
Spoke to Susich’s boss – She said guy charged. Couldn’t give me BAC but it should be in report.
Police officer will be in touch with Tonio before the Drunk Driver’s arraignment.
She did not think we needed to get car out of towed lot or file claim w/ guys insurance company
until after we get a copy of the police report. Insurer not going to do much until then no matter
what.
To’s physical condition at Accident and Immediately Thereafter
●Confusion at scene
●Shock
●Refused care at scene
●Called guys insurance company even though no info. Doesn’t remember what he said. Was in
shock and hysterical. Doesn’t think the insurer took any info since To didn’t even know the driver’s
name (although he did have guy’s policy number).
******BIA/TONIO IS NOT TO SPEAK TO ANYONE FROM THAT GUYS INSURANCE COMPANY
ERIE00046420-2111/1311/13
AGAIN – REFER TO ME UNTIL WE FIGURE OUT NEXT STEPS.
●But extremely hyper and emotional and not making lots of sense so convinced to go to Level I
trauma center by ambulance. Called 911 and was transported to ____________ Hospital
●ER checked him out and discharged him. Gave him info sheet of what to look out for in the
context of not yet evident head or body injuries.
Friday, 11.22.2013:
●No sleep
●Hyper
●Advised by me to see Dr. Singh today ensure everything is okay in light of inability to sleep, severity
of impact, etc.
●Called Dr. Singh but did not make appointment. Will call back
To’s insurance info:
●Kelly Preston
(412)-586-7340
●policy no.Q061012916

Kelly Preston
Owner
Fax Number (412) 904-1437
ERIE00046520-2111/1311/13
To: rolftonio@gmail.com; rolf-tonio@hotmail.com
Cc: tobiasvon@msn.com; uvoneck@me.com
Subject: RE: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND CONFIDENTIAL]
Talked to Valerie at MSV Towing. Car will stay there. Gave her claims number, etc. She can get
you a rental car and will check to confirm that drunk driver’s policy covers rental. Even if it doesn’t
they should be able to get them to pay for it. She’ll call me back on this. Stay tuned.

Cc: tobiasvon@msn.com; von Eckartsberg, Uta; UVONECK@ME.COM
Subject: FW: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
AIG – Charters Casualty Property Insurance -- Claim no: 231806-1121
Central claims office 888-724-8882

Claims adjuster will call me within 24 hours – today or Monday
Told them that they are not to call anyone but me as I am representing my brother.
DO NOT SPEAK TO THESE PEOPLE UNLESS I OKAY.
Called Towing company to give them the Claim number above so that they can bill drunk driver’s
insurance for the towing/storage costs. Left message but they haven’t called me back yet.
Do not move car from towing company until adjusters come out to see the car.
Will call later with additional detail.
To, bottom-line. We’ve file on claim w/ Erie for all physical injury costs (I.E., AMBULANCE ETC).
Under PA law these costs stay with your insurer. You have 5 K coverage.
Because you do not have collision coverage they cannot handle the property damage claim against
AIG – Charters Ins.
Separately, you have now filed a separate claim with drunk drivers insurance for property damage to
the audi. Perhaps pain and suffering depending on what happens going forward.
For now, just go to the Doctor and then starting doing the research on valuation of older cars for
replacement purposes.
Also, please get some sleep.
ERIE00046620-2111/1311/13
From: tobias v.E. [mailto:tobiasvon@msn.com]
To: von Eckartsberg, Uta; rolftonio@gmail.com
Subject: RE: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
nice work! btw, i think the audi title has my name on the title.
From: von_EckartsbergU@SEC.GOV
CC: tobiasvon@msn.com; von_EckartsbergU@SEC.GOV; UVONECK@ME.COM
Subject: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
Date: Fri, 22 Nov 2013 16:29:38 +0000
●11-21-2013
●9:43pm
●location:
nxt cvs pharmacy

streets dry
●Driver
make of vehicle:

insurance company:
1-888 724-8881
0002231806
ERIE00046720-2111/1311/13

0002231806
ccr#13-234037
●Police Info:
fee.
Report CR 234037
what.

●Shock
Friday, 11.22.2013:
●No sleep
●Hyper
of impact, etc.
●Kelly Preston
(412)-586-7340
ERIE00046820-2111/1311/13

Kelly Preston
Owner
Fax Number (412) 904-1437
ERIE00046920-2111/1311/13
Cc: tobiasvon@msn.com; von Eckartsberg, Uta; uvoneck@me.com
Subject: FW: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND CONFIDENTIAL]
AIG – Charters Casualty Property Insurance -- Claim no: 231806-1121
Central claims office 888-724-8882

Claims adjuster will call me within 24 hours – today or Monday
Told them that they are not to call anyone but me as I am representing my brother.
DO NOT SPEAK TO THESE PEOPLE UNLESS I OKAY.
Called Towing company to give them the Claim number above so that they can bill drunk driver’s
insurance for the towing/storage costs. Left message but they haven’t called me back yet.
Do not move car from towing company until adjusters come out to see the car.
Will call later with additional detail.
To, bottom-line. We’ve file on claim w/ Erie for all physical injury costs (I.E., AMBULANCE ETC).
Under PA law these costs stay with your insurer. You have 5 K coverage.
Because you do not have collision coverage they cannot handle the property damage claim against
AIG – Charters Ins.
Separately, you have now filed a separate claim with drunk drivers insurance for property damage to
the audi. Perhaps pain and suffering depending on what happens going forward.
For now, just go to the Doctor and then starting doing the research on valuation of older cars for
replacement purposes.
Also, please get some sleep.
From: tobias v.E. [mailto:tobiasvon@msn.com]

To: von Eckartsberg, Uta; rolftonio@gmail.com
Subject: RE: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
nice work! btw, i think the audi title has my name on the title.
ERIE00047020-2111/1311/13
From: von_EckartsbergU@SEC.GOV
CC: tobiasvon@msn.com; von_EckartsbergU@SEC.GOV; UVONECK@ME.COM
Subject: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND
CONFIDENTIAL]
Date: Fri, 22 Nov 2013 16:29:38 +0000
●11-21-2013
●9:43pm
●location:
nxt cvs pharmacy

streets dry
●Driver
make of vehicle:

insurance company:
1-888 724-8881
0002231806

0002231806
ccr#13-234037
●Police Info:
ERIE00047120-2111/1311/13
fee.
Report CR 234037
what.

●Shock
Friday, 11.22.2013:
●No sleep
●Hyper
of impact, etc.
●Kelly Preston
(412)-586-7340

Kelly Preston
Owner
Fax Number (412) 904-1437
ERIE00047220-2111/1311/13
To: Rolf-Tonio von Eckartsberg; rolf-tonio@hotmail.com
Cc: tobiasvon@msn.com; von Eckartsberg, Uta; uvoneck@me.com
Subject: PRIVILEGED AND CONFIDENTIAL ATTY WORK PRODUCT [PERSONAL AND CONFIDENTIAL]
Date: Friday, November 22, 2013 11:30:00 AM
●11-21-2013
●9:43pm
●location:
nxt cvs pharmacy

streets dry
●Driver

make of vehicle:

insurance company:
1-888 724-8881
0002231806

0002231806
ccr#13-234037
●Police Info:
ERIE00047320-2111/1311/13
fee.
Report CR 234037
what.
●Shock

Friday, 11.22.2013:
●No sleep
●Hyper
of impact, etc.
ERIE00047420-2111/1311/13
●Kelly Preston
(412)-586-7340

Kelly Preston
Owner
Fax Number (412) 904-1437
ERIE00047520-2111/1311/13
To: Preston Grafton
No problem!! Thank you. Glad to hear everything was resolved. Again, please do not
hesitate to contact me should there any issue going forward.
Have a great night!!
Uta
Uta von Eckartsberg

_____________________________
Hi,
Thank you so much for reaching out!
I am so sorry to hear that.
I don’t want you to be alarmed though, her policies are all in good standing.
I just spoke with Tonio and we took care of everything.
Thank you once again for helping to get everything taken care of.
Sincerely,
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00047620-2111/1311/13

Hi Rachel,
Thanks so much! I passed this info on to my mother and brother, Tonio. My mom's memory is not
what it used to be even though she does not like to admit it. There is no way she intends to let her
insurance policies expire. I expect the bills to be paid today or tomorrow but please keep me in the
look if that does not happen. Also, please let me know if there are any problems going forward
including with the condo fee.
My brother Tonio does the best he can to help my mom and other brother but he has his own health
challenges so it might all be a bit much for him.
I apologize for any inconvenience and appreciate your going the extra mile to reach out to my mom.
Please do not hesitate to email or call me with any additional concerns or questions.
Thanks so much!
Uta
Uta von Eckartsberg

_____________________________
Hi Uta,
ERIE00047720-2111/1311/13
Umbrella policy.
condo.
Thanks again!
Have a great day!
Rachel Manso

2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00047820-2111/1311/13
Hi Rachel,
payment?
Thank you.
Uta von Eckartsberg

301.986.7959
_____________________________
cancellation.
Best regards,
Rachel Manso
ERIE00047920-2111/1311/13
2012 Murray Avenue
(P) 412-586-7340
(F) 412-904-1437
ERIE00048020-2111/1311/13
To: mariatatiana38@gmail.com
Cc: von Eckartsberg, Uta
Subject: acai cancellation -- terms and conditions
Date: Friday, September 3, 2010 3:42:55 PM
Attachments: Document1.doc
PC to acai/advaced cs:
Cancelled this date. No future charges. Cancellation number for Acai is 5705400
Cancellation for Adv. col is 5705401
Spoke to Chan Agent 188 (and Monica -- Agent 87)
ERIE00048120-2111/1311/13
To: Rolf-Tonio von Eckartsberg; uvoneck@me.com
Subject: FW: Automobile Claim PERSONAL AND CONFIDENTIAL
Date: Monday, December 30, 2013 7:19:26 PM
Dear Mr. Mautte:
Thank you for your email and your revised offer. As a preliminary matter, we appreciate
your offer to provide us with the accurate and complete comparable vehicle VIN per our
several prior requests of Ms. Mince. Our position has not changed in this regard and we
request you provide the VIN to us as soon as possible so that me may move forward one way
or another. I am somewhat confused by the fact that your response so materially differs
from Ms. Mincie’s written response to our VIN-related concerns; specifically, that we were
the source of the VIN so any lack of information was somehow directly attributable to us.
Why does your response so materially differ from hers? Was she mistaken or are you? In
either case, please forward us this information at your earliest convenience.
Second, while we appreciate your offer to allow us to rent a car for an additional week and
will take you up on this offer; your comment that you “do not see that Pure owes for an
upgraded luxury vehicle or SUV” fails to take into account promises Ms. Muncie previously
made to us that were not honored.
Specifically, as detailed in the correspondence of December 23, Ms. Muncie represented to

me that Pure would pay in full the rental costs for a comparable vehicle. Not only did Ms.
Muncie neglect to disclose that Pure would not in fact pay in whole the costs resulting in an
embarrassing situation for my brother but she did not in fact rent comparable vehicles to our
Audi for the reasons detailed in the correspondence of December 23. By contrast, an
upgraded luxury vehicle or a SUV – likely the only categories of rentals which would include
4Wd (a necessity in Pennsylvania) would in fact fall within the comparable vehicle category
per Ms. Muncie’s representations to us. If Pure did not and does not wish to provide a
comparable rental vehicle then it should not have made representations to the contrary.
Third, while I appreciate an apology for the unpleasant tone of our call – I do think it
important to note that I am not and was not upset. Rather, as I told you during the call, I was
(and am) angry and frustrated by your failure as Ms. Muncie’s supervisor to take
responsibility for her misstatements and the additional negative consequences her conduct has
caused for my family.
Specifically, during our call, you adopted, affirmed, and defended every single false or
misleading statement made to us by your employee. Had your tone and attitude reflected the
respectful, more conciliatory tone of the email below my anger would have been significantly
more restrained.
Fourth, you write below that, “[i]n an attempt to resolve this based on their factual
independent assessment I offer to waive the condition downgrade (124.18) and the salvage
deduction (524) and resolve the vehicle cost at overall result of $6,000.00 with keeping the
vehicle.”
This statement is confusing. Are you now representing that Pure will take possession of the
loss vehicle? I ask because as described in the correspondence of December 23 and
ERIE00048220-2111/1311/13
supporting emails, Ms. Muncie vehemently insisted that, Pure could not and would not take
possession of the loss vehicle because it was located out of state.
This same representation was the basis of Ms. Muncie’s insistence that under the law we were
required to both retain possession and accept Pure’s salvage deduction. If you are now
representing that you will in fact take possession of the loss vehicle, please let me know why
your position so materially differs from Ms. Muncie’s representations to us in this regard.
Lastly, per your request please find attached the towing receipt of December 16, 2013 in the
amount of $200. The reimbursement check should be sent to my brother as follows:
Rolf-Tonio von Eckartsberg

1211 Ross Ave.
Ford City, Pa 16226
From: Scott Mautte [mailto:smautte@pureinsurance.com]

Cc: Gary Stephen; Scott Mautte
Subject: RE: Automobile Claim PERSONAL AND CONFIDENTIAL
This message was sent securely using ZixCorp.
Dear Uta von Eckartsberg,
In follow up to my email this morning I would like to attempt to address the items you noted below.
My intent is to come to an agreement in resolving the property damage claim.
1) Pure rejects our counter-offer in its entirety

a. I do not reject your counter claim, however I am willing to offer the
following below.
2) Rejects our counter-valuations in their entirety;

a. Pure hired Mitchell, an expert in the automobile field, to complete an
actual cash value assessment of the vehicle in accordance with any and
all applicable laws in the State of PA. These assessments are more easily
explained by them in the total loss package around methodology so I
included how they assess a vehicle:
WorkCenter Total Loss was built through a joint partnership between J.D. Power and Associates vehicle valuation division Power
Information Network
(P.I.N.) and Mitchell International, a leading provider of claims processing solutions to private passenger insurers.
WorkCenter Total Loss produces accurate and easy-to-understand vehicle valuations via this five step process:
Step 1 - Locate Comparable Vehicles
Locate vehicles similar to the loss vehicle in the same market area. WorkCenter Total Loss finds these vehicles in AutoTrader.com,
Cars.com,
Vast.com and directly from dealerships.
Step 2 - Adjust Comparable Vehicles
Make adjustments to the prices of the comparable vehicles. The comparable vehicles are identical to the loss vehicle except where
adjustments are
itemized. There are several types of comparable vehicle adjustments
Projected Sold Adjustment - an adjustment to reflect consumer purchasing behavior (negotiating a different price than the listed price).
Vehicle Configuration Adjustment- an adjustment for differences in configuration between the comparable vehicle and the loss vehicle
(e.g.
differences in trim).
ERIE00048320-2111/1311/13
Mileage Adjustment - an adjustment for differences in mileage between the comparable vehicle and the loss vehicle.
Equipment- adjustments for differences in equipment between the comparable vehicle (e.g. equipment packages and options) and the
loss
vehicle.
Step 3 - Calculate Base Vehicle Value
The base vehicle value is calculated by averaging the adjusted prices of the comparable vehicles.
Step 4 - Calculate Loss Vehicle Adjustments
There are four types of loss vehicle adjustments:
Condition Adjustment:
Adjustments to account for the condition of the loss vehicle prior to the loss.
Prior Damage Adjustment:
Adjustments to account for any prior damage present on the loss vehicle prior to the loss.
After Market Part Adjustment:
Adjustments to account for any after market parts present on the loss vehicle prior to the loss.
Refurbishment Adjustment:
Adjustments to account for any refurbishment performed on the loss vehicle prior to the loss.
Step 5 - Calculate the Market Value
1. The Market Value is calculated by applying the loss vehicle adjustments to
the base value.
They are on the web as well at: http://www.mitchell.com/claims-management-
software/insurance-claims-processing/total-loss-valuation.asp
The comparable ending in XXXX appears to me as being protected from any type
illegal use. Many dealers do XXXX out the last few numbers for the same reasons as
not providing a social security number. They too can be subject to illegal use. I
completely understand you have concerns with this and if needed I can either get
the full vin or have it dropped.
Mitchell is the expert and I do agree with the assessment under PA law, however
with that said I do understand you dispute the value, salvage, and the condition
rating deductions. In an attempt to resolve this based on their factual independent
assessment I offer to waive the condition downgrade (124.18) and the salvage
deduction (524) and resolve the vehicle cost at an overall result of $6,000.00 with
keeping the vehicle.
3) Refuses to provide any additional rental coverage despite the delay caused by
Pure’s representative;
a. Based on the original offer made on December 2 the adjuster set a “last
day” for the rental vehicle. With the errors around considering
additional vehicle options I am willing to consider another week of rental
on a direct bill basis to assist the owner. I agree with your outline this
has been a difficult time for your brother and hopefully this will assist
him. The adjuster has made you aware the vehicle was a total loss since
December 2, 2013 so I think this is fair. I reviewed the receipt and see
we paid for 14 days and a total of $1005.48 to Enterprise. I do not see
that Pure owes for an upgraded luxury vehicle or SUV.
4) Refuses to pay for an independent appraisal under the circumstances; and,
a. We hired an independent appraiser who has declared the vehicle a total
loss. We hired IA Net who then hired a subcontractor within their
network to appraise the vehicle whom wrote an open estimate of
$10,160.40. The vehicle has a the potential for additional damages once
the car gets torn down and a more comprehensive review can take
ERIE00048420-2111/1311/13
place. Based on the actual cash value of the vehicle being less, the
vehicle is unfortunately a total loss. The vehicle was appraised by an
independent adjuster Robert F Henkel who is licensed as needed to
appraise vehicles in the State of Pennsylvania. I hold a license from the
State of CT to appraise vehicles and do concur that the damages exceed
the value. However, if you do disagree you do have the right to have it
appraised but it would be at your own cost.
5) Refuses to reimburse my brother’s out-of pocket reasonable and necessary

costs relating to storage/towing of the wrecked vehicle.
a. The adjuster is off until after the New Year’s holiday, as I indicated
below I absolutely want to reimburse this cost as soon as possible.
Please send me proof of the payment, or a bill, and to whom it should
be mailed and I can send it sent overnight FED EX.
I do apologize with how upset you are and became when we discussed the fact Audi
asked for personal information i.e. date of birth and social security number. All
insurance adjusters as a part of their claims investigation and for identification
purposes obtain this information. We do need a way to verify who we are
speaking too and as a means to report to Medicare when applicable. I reviewed
the notes and it appears Erie told us they had a medical claim adjuster assigned,
and that triggered Audi to ask for that personal information. It is a part of our
job, and in no way are we attempting or trying to do accomplish anything else.
You indicated to me on Tuesday you would not provide this information and I
respect that, and we agreed in the future if an injury claim exists that you would
then provide what is needed. According to PA law the Statue of limitations is
two years for a bodily injury claim.
Please contact me when you had the chance to review the above information and let
me know how you would like to proceed. As indicated I wish to resolve this
property dispute. I am under the assumption Audi has sent you the estimate,
total loss paperwork, and salvage value determination. If you need any of it
please let me know as I want the figures and documentation to be completely
transparent.
Thank you for your attention to this matter.
Scott
T. Scott Mautte Casualty Manager, Northeast

Tel: (914) 539-8701 Fax: (914) 328-3883
44 South Broadway, Suite 301, White Plains, NY 10601
ERIE00048520-2111/1311/13
Watch real member stories at pureinsurance.com.

From: von Eckartsberg, Uta [mailto:von_EckartsbergU@SEC.GOV]

To: Scott Mautte
Cc: jwyland@wylanddefense.com; Rolf-Tonio von Eckartsberg; tobiasvon@msn.com; Ross Buchmueller
Dear Mr. Mautte,
I did not intend to engage in unprofessional conduct and disagree that I did in fact do so. To the
extent that you somehow have a contrary impression, please do accept my apologies.
That said, per my correspondence of 12/23/2013, you have no basis in fact or law for refusing to
conduct further negotiations with me absent our providing you a representation confirmation of any
sort. Your imposition of such requirement amounts to coercion.
That said, to the extent that I misunderstood your representations as described below I look forward
to your written response.
The representations I am most concerned with are as follows:
1) Pure rejects our counter-offer in its entirety;

2) Rejects our counter-valuations in their entirety;
3) Refuses to provide any additional rental coverage despite the delay caused by
Pure’s representative;
4) Refuses to pay for an independent appraisal under the circumstances; and,
5) Refuses to reimburse my brother’s out-of pocket reasonable and necessary
costs relating to storage/towing of the wrecked vehicle.
Again, my brother has limited income and is serving as primary caretaker for our mother. The lack
of transportation and out-of-pocket expenditures is causing significant hardship for my family.
Accordingly, to the extent that I did not misunderstand your representations above, please advise
immediately with so that we may take appropriate next steps in a timely fashion. Stated
alternatively, if you stand by the statements above you need to tell us now so that we are not
further disadvantaged by any bad faith on Pure’s part.
ERIE00048620-2111/1311/13
My brothers are copied on this email and will respond to this email directly confirming my status as
my family’s sole personal representative. Again, neither you or anyone associated with you is to
contact any member of my family directly without authorization from me.
Uta von Eckartsberg
THIS EMAIL IS PERSONAL AND CONFIDENTIAL AND REPRESENTS ONLY THE PERSONAL
COMMUNICATIONS OF THE SENDER. THIS COMMUNICATION IS NOT ASSOCIATED WITH THE
FEDERAL GOVERNMENT OR THE SEC.
This e-mail message (and any attachments) from the United States Securities and Exchange Commission is for the exclusive use of
the intended recipient(s) and may contain confidential and privileged information. If you are not the intended recipient, please do
not read, distribute, or take action in reliance upon the message. If you have received this message in error, please notify the sender
immediately by return e-mail and promptly delete this message and its attachments from your computer system. Be advised that no

Cc: jwyland@wylanddefense.com; Scott Mautte
Dear Ms. Eckartsberg,
This summary as provided does not portray an accurate summary of the conversation. Based on
your inability to discuss the matter in a professional manner I will respond in writing once you have
provided the proper documentation supporting in fact you are representing your brother for this
matter. Our goal is and remains to resolve the claim that has been made for property damage.
If you do decide to wish to discuss the matter feel free to contact me at the number listed below.
Thank you,

Tel: (914) 539-8701 Fax: (914) 328-3883
ERIE00048720-2111/1311/13
From: von Eckartsberg, Uta [mailto:von_EckartsbergU@SEC.GOV]
To: Scott Mautte
Cc: jwyland@wylanddefense.com; Ross Buchmueller
Subject: FW: Automobile Claim PERSONAL AND CONFIDENTIAL
Importance: High
Dear Mr. Mautte:
This is to confirm my understanding of our conversation just now:
♦You do not agree that Ms. Mincie has handled this matter inappropriately or
unprofessionally;
♦While you grudgingly agree that Ms. Muncie has misstated the law on salvage, you don’t
think it is an issue;
♦While you grudgingly admit that Ms. Muncie’s repeated claims that she is entitled to
personal identifying information about my brother under federal law are without a basis in
fact or law (i.e.,. no triggering claim), you not only do not think it was problematic that Ms.
Muncie repeatedly requested such information – you requested it again during our call;
♦While you grudgingly admit that Ms. Muncie’s claims that we are required to take a
salvage deduction are false or inaccurate, you do not see such conduct as problematic;
♦You do not find it problematic that Ms. Muncie has repeatedly given dates to rental and
storage facilities different than the information that she has provided us;
♦Despite the fact that you have no standing to require a personal representation letter from
me or my family, you insist that we provide you one;
♦You will not provide me with a copy of the materials Ms. Muncie has sent to my brother
even after being repeatedly directed
not to contact my family directly;
♦ You stand by your settlement offer despite the evidence which I have provided you that
indicates that your valuation was not incompliance with New York law; specifically for
instance, , Pure did not input any of the statutorily-required information (other than year,
make, and model);” Under New York law the “valuation [must be] based on a “vehicle of
the same make, model, year, and condition (including all major options) as the [loss] vehicle
….. [and] … mileage must not exceed that of the [loss] vehicle by more than 4,000 miles or
10% of the mileage as of the date of loss, whichever is greater. Reg. 64, Sec. 216.7(a) (4)).
♦You otherwise deny, dismiss, or minimize every single concern I identified in my

correspondence; and
♦You reject our counter-offer in its entirety. Specifically:
ERIE00048820-2111/1311/13

♦You are dismissing our counter valuation in its entirety and are standing by your
valuation despite the evidence of its material flaws;
♦You will not provide us with a rental car despite the delay in resolving this matter
due to Ms. Mincie’s incompetence and/or intentional misconduct;
♦You will not pay for an independent appraisal;
♦ You will not reimburse my brother for his out-of-pocket reasonable and necessary
expenditures with respect to towing the car out of the storage facility.
In sum, (with one or two grudging exceptions) you categorically deny, dismiss or minimize every
point and concern that I raise in my correspondence of December 23 and have no contrition
whatsoever about the additional stress and trauma your conduct has caused my family.
If I missed anything let me know. Since there is no new settlement offer forthcoming on your end,
we stand by our rejection for the reasons described in the attached.
As we also discussed, I will forward this matter to interested regulators and consider our next steps
under the circumstances.
Merry Christmas.
Uta von Eckartsberg
THIS EMAIL IS PERSONAL AND CONFIDENTIAL AND REPRESENTS ONLY THE PERSONAL
COMMUNICATIONS OF THE SENDER. THIS COMMUNICATION IS NOT ASSOCIATED WITH THE
FEDERAL GOVERNMENT OR THE SEC.
This e-mail message (and any attachments) from the United States Securities and Exchange Commission is for the exclusive use of
the intended recipient(s) and may contain confidential and privileged information. If you are not the intended recipient, please do
not read, distribute, or take action in reliance upon the message. If you have received this message in error, please notify the sender
immediately by return e-mail and promptly delete this message and its attachments from your computer system. Be advised that no

To: 'Scott Mautte'
Subject: RE: Automobile Claim
Scott Mautte,
I received your voicemail message and expect to be available to speak with you at some point
tomorrow before 2 pm. I will call or email when I am free.
Best,
Uta von Eckartsberg

Subject: Automobile Claim
ERIE00048920-2111/1311/13
Uta von Eckartsberg,
I am the claims manager of the analyst handling this claim and would like to speak with you over the
phone in regards to this matter. What is your availability to discuss this claim and your concerns ?
Also, please include the best phone number to reach you at.
Best,
Scott Mautte

Tel: (914) 539-8701 Fax: (914) 328-3883
Notice: PURE refers to Privilege Underwriters Reciprocal Exchange and is a member insurer of the PURE Group of
Insurance Companies. This e-mail message and attachments may be confidential, proprietary or privileged
information. If you are not the intended recipient, please accept this as notice that any disclosure, copying,
distribution or use of the information contained in this transmission is strictly prohibited. Privilege Underwriters,
Inc. reserves the right, to the extent and under circumstances permitted by applicable law, to retain, monitor and
intercept e-mail messages to and from its systems. If you have received this e-mail in error, please immediately
contact the sender by return e-mail or by telephone at 888-813-PURE and destroy the material in its entirety,
whether electronic or hard copy format.
-------------------------------------------------------------------------
This message was secured by ZixCorp(R).
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ERIE00049020-2111/1311/13
-------------------------------------------------------------------------
ERIE00049120-2111/1311/13
From: uvoneck
To: mariatatiana38@gmail.com
Subject: Current status bad faith
Date: Monday, January 20, 2014 2:09:27 AM
http://www.lexology.com/library/detail.aspx?g=13824494-98f7-49bf-a116-aee7d45ae6a6
Sent from my iPhone
ERIE00049220-2111/1311/13
To: Mariatatiana38@gmail.com
Subject: musser 01 26 2014
Date: Sunday, January 26, 2014 3:38:59 PM
Attachments: musser 01 26 2014.docx
ERIE00049320-2111/1311/13
From: Kelly Grafton
Subject: RE: Trying RE: ERIE Insurance Policies - Notice of Potential Claims and litigation
Date: Friday, September 3, 2021 9:28:32 AM
Importance: High
Hi Uta,
Please let me know how you would like me to proceed regarding the Ford City Home & the Munhall
Condo!
Would it be ok to go ahead and file a claim on these properties, please advise and I will get the
claims under way! If you could be so kind to provide me with your contact at RSC Restoration that
would be very helpful too!
Thanks so much! Have a wonderful upcoming Labor Day weekend!
Kelly Grafton
From: Kelly Grafton

Sent: Thursday, September 2, 2021 9:42 AM
Good morning Uta,
I wanted to touch base with you to see if I can go ahead and file a claim for you on the Ford City
Home and the Munhall Condo to get the ball rolling with ERIE.
Also, do you have a contact for RSC Restoration? I would love to get in touch with them as well.
Thanks Uta, talk soon!
Kelly Grafton
From: Kelly Grafton

Hello Uta,
Absolutely, I am still your agent and I am not quitting on you! I promise, I am here to help. I care
more about you and your family than you know. I love everyone and I am in the business to help
ERIE00049420-2111/1311/13
customers in anyway I can!
I was speaking in regards to the legal matters and non-renewals regarding the Estate of Elsa
Voneckartsberg.
I would be more than happy to file a claim for you on the Ford City home as well as the Munhall
Condo. I want your permission first to file a claim on the condo at 5600 Munhall Rd. Unit 309 as well
as 1211 Ross Ave.
Please advise if you are ok with me proceeding with filing claims for both properties, I can get those
handled & filed for you right away! As soon as I get the claims filed, I will provide you with both
claim numbers ASAP.
Thank you!
Kelly Grafton

To: Kelly Grafton <kelly@prestongraftonagency.com>
Subject: Re: Trying RE: ERIE Insurance Policies - Notice of Potential Claims and litigation
So you will no longer be representing this estate. You are just quitting. As I said I giving you
collectively notice of claims. Have you spoken to RSC Restoration? And please provide me with the
name and email address of your ERIE contact. Immediate forward copying me the notices of claim
and litigation to the “office of the president.”
How dare you create a situation where your negligence, breach of duty will potentially trigger
greater damages than is already the case.
I need an e-mail address and name now. I want the name of your underwriter and lawyer forthwith.
Ps I can now confirm that we do have water damage at 5600 Munhall likely due to subsidence
hazard or HOA construction or a undetected leak from the unit above my mother. Specifically, unit
409. I am contacting a water restoration company now. Will keep you posted until you provide me
with your replacement agent.

412.207.7742 (PH)
301.461.7445 (C)
ERIE00049520-2111/1311/13
724.631.5212 (FAX)
On Sep 1, 2021, at 4:22 PM, Kelly Grafton <kelly@prestongraftonagency.com> wrote:

Hello Uta,
I hope you are doing well.
Thank you for your email. I feel terrible that you are unhappy, and I sincerely apologize
for any confusion or misunderstanding.
I have forwarded this matter to Corporate - ERIE Home Office. I would advise that you
contact the Office of the President at ERIE INSURANCE regarding this matter. His office
can be reached at 814-870-3117.
For any future correspondences regarding these policies, please contact the Office of
the President at ERIE INSURANCE for assistance. Thanks so much!
Sincerely,
Kelly Grafton

Please advise next steps ASAP.
ERIE00049620-2111/1311/13
Thanks

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Aug 31, 2021, at 1:32 PM, Uta von Eckartsberg

<uvoneck@outlook.com> wrote:
Kelly:
First, the Estate intends to file civil actions against you and your co-
conspirators jointly and severally in your personal as well professional
capacities under multiple theories of liability, including but not limited to,
breach of contract, mail fraud and possible wire fraud (possibly Civil Rico),
bad faith, wrongful death, misrepresentation (I.e., p & g was never an
“independent agent” as represented. Rather you and your corporation
have always been controlled by and under control with Erie.
Other potential causes of action include conspiracy, RICO conspiracy as

well as for violations of Pennsylvania’s consumer protection laws, tortious
inteference with business relationships as well as intentional infliction of
emotional distress and harrassment (my personal case). I may or may not
pursue a market conduct referral. I tell you this so you understand that
you are under a legal duty to retain, maintain, prepare all records of any
ERIE00049720-2111/1311/13
kind relating to me, my family, our claims, all communications with your
underwriter or carrier, internal memoranda, any all records relating to
subsidence hazard, Pennsylvania’s Fair Plan Eligibility requirements, any
and all financial accountings for any and all financial transactions between
my mother, her estate, and me relating to any related insurance policy
held with you at all times from approximately from 2013 to present (in my
case I have been Erie for more than 30 years with maybe one claim which
makes your collective conduct even more egregious and outrageous. I will
write a formal litigation notice at my earliest convenience.
Bottom line as a matter of law and fact, the alleged/threaten cancellation

of my mother’s/Estate’s condo secure policy and all other polices written
and renewed in 2020 including November 2020 remain in full force
through the present. Among other things, the initial notice fails to comply
with material elements of Pennsylvania statute and form, and each and
every subsequent written and verbal threats and/or allegation regarding
the effective cancellation or failure to renew absent my improperly titling
estate property in my name and/or related misrepresentations that an
“Estate” cannot be an insured with respect to existing for more than 60-
days (or future policies) were, are, and continue to be materially false,
fraudulent and misleading because (among other things) your demands
and represntations are contrary to state law (ie MVC), is not a statutorily
permitted bases for cancellation of a policy of insurance per section 5(a)
(9) of the Unfair Insurance Practices Act (40 P. S. § 1171.5(a)(9). And all
property insured in the name of the Estate explicitly meets the eligibility
requirements for insurance under rhe Insurance Placement Facility of
Pennsylvania (Fair Plan) in effect at all relevant times. With respect to
the original, single formal notificw in which you collectively identified
subsidence hazard as the basis for cancellation (later denied when the
consecutive false representations regarding the estate as insured in
emails from Sarah that are collectively attributable to you), Market
Conduct Exams in Pennsylvania and elsewhere demonstrate that you (and
Erie dba PG) including Erie knew or should have known the cancellation
and/or direct or indirect threats to cancel or fail to renew were false,
fraudulent baseless and that conduct constitute unfair insurance practices
for which Erie has admitted liability in the past and (apparently falsely)
represented it would take corrective to insure no reoccurrence of
substantively identical misconduct.
Notice of potential Claims (Estate and me (personal property at 1211

Ross)
At the outset, I state for the record that I do not anticipate any genuine
cooperation or good faith going forward and I request that you fully
document and make utterly transparent all decisions or actions while
ERIE00049820-2111/1311/13
insuring you are strict compliance with all applicable laws. Failure to do
so will simply be a basis for greater damages. All documentation related
to this or any future claim must be maintained with the expectation of
being subject to litigation and discovery. In the regard, it is my
understanding that there is a fraud/crime exception to any claim of
privilege which I believe will likely be applicable to this matter.
1211 Ross
On Aug 10, 2020, estate employee Dystany Mikaso went to 1211 Ross to
clean which she does on a bi-weekly basis. Everything was normal when
she left.
On August 12, 2020, during a series of bad storms the ADT alarm at 1211
Ross went off and local police were called. The ADT system showed the
point of entry as being the back porch. Manor township police told me
that when they responded to the alarm they did not hear it upon arrival
and did not see evidence of a break-in. I personally spoke to the
responding officer and advised of he back door issue and he kindly agreed
to go back and check again. He specifically said he would check the back
porch door. Ultimately, he did not see any evidence of break in and
though the alarm might have gone off because of the storm.
On August 26,2021: Dystany returned to clean and Check on the property

and found a massive soggy mess. And evidence of mold on my personal
possessions including my oriental rug (the value of which I can
demonstrate by prior estimate). She found the back door was unlocked
so it does appear that the door was opened whether by a burglar or the
storm but that was likely a (if not the) source of water damage. There
was no evidence of any broken pipes, etc. This incident is sudden
accidental and the water infiltration is likely a consequence of the storm.
Today RCs Restoration (412) 379-3278 came to the house. They found
standing water in the basement and areas of mold/water infiltration in
the house. They believe it may be just a function of all the storms we’ve
had lately. I have photograph of some of the damage. They are very
experienced and will be in touch.
My oriental rug is perhaps salvageable and I am allowing them to take the

carpet and have cleaned professionally in the hope they can save. It is
valued at least $5000. Otherwise my couch and entertainment center
and certain other personal possessions may be a total loss.
With respect to the house, first RC will install dehumidifiers for three
ERIE00049920-2111/1311/13
days, move my rug out for cleaning and then have an adjuster come to
view the extent of water/mold damage to provide a firm estimate for
restoration. Given the harrassment by mail and email (ie. In just one-
year, I have been bombarded with more than 200 written
communications per my prior complaints that you must have retained as
is your statutory duty), I have no idea what your current position is in on
any policy. I do not trust you at all. I resent that you are my POC on this
extremely serious for which qe ubdoubtably deserve and are entitled the
utmost good faith. Ha. Please advise of next steps
5600 Munhall
Second, your co-conspirators at 5600 are making what is almost certainly

(another) fraudulent claim of a leak in Amy mom’s condo. Today they
emailed my likely fraudulently alleging the existence of a leak impacting
the unit below. Based on past experience, I reasonably believe that this is
claimed leak is just another fraud in progress but I may have to let them in
if they can provide real-time video evidence corroborating the current
claim.
In this case, damages, if any, could be to my personal property, estate

personal property or to the condo itself and/or the floor below I guess.
To the extent your position that my mother’s condo was factually and
legally cancelled and that we no have no coverage. I request you and
the ERIE underwriter speak to its General Counsel and review the law.
Everything I write is applicable to Erie and its agents in this context.
There is no doubt in my mind that no reasonable finder of fact would or
could hold that ERIE did or even could cancel my mother’s/the estates
condo policy or policies. If your lawyers disagree, please ask they provide
with a letter describing the legal basis for such disagreement.
With respect to communications and records that are under a litigation

hold, I include any and all records relating to any insured or prospective
insured at 5600 Munhall as well as any external communications between
you, your staff, or anyone else at or associated with 5600. Again, I will
formalize a litigation hold letter when I am able. Please also provide me
at your earliest convenience the name and title of your underwriter at
Erie who you allege initiated and mandated all illegal conduct described
herein and elsewhere.
Also, do you (ERIE dba PG) even have a valid corporate existence in
Pennsylvania? It does not appear that you have filed the statutorily
mandated reports…. And who is your representative agent for service?
Going forward, I want you to be sole point of contact for me going
ERIE00050020-2111/1311/13
forward as I previously requested. You will not escape liability for your
employees or agents false, deceptive or illegal conduct and/or
representations under any circumstance. Still you are in charge. And
whatever happens going forward with actual or potential potential claims,
etc, I will only deal with you. Please ensure your staff cease & decease
from mailing or emailing me with multiple mutually inconsistent
representations or demands.
I strongly suggest you ensure that you are in 100% in compliance with all
applicable laws, rules, and regulations going forward. I will provide RC
contractors you direct contact info. I expect to be in the loop and copied
on any and all communications regarding 1211 (and 5600 as necessary.).
Regards,
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
On Mar 14, 2021, at 9:55 PM, uvoneck@outlook.com wrote:
Kelly,
First, are you seriously threatening to cancel or fail to review multiple

other polices absent my making a false representation about a rental
properties. As everyone knows, we are not renting out the properties.
What is your basis for this threat and how dare threaten cancellation of
various policies unknown by email on some date certain unless I agree to
ERIE00050120-2111/1311/13
lie. Estates rarely settle in six-months. I am willing to bet that cancelling
a policy because no one but the estate owns the property and thus the
insured property is properly in the estate’s name is not permissible. If
you legal counsel disagrees then comply with the law and provide thye
accurate basis for your decision and the basis for what you are now
represent i
and to the extent that Erie had any concerns or issues about everything
stay in the estate’s until we sell or settle
I have spoken to you in the past and I trusted you as my family did. But
the overall evidence including the blatant refusal to provide me with an
accurate, complete, truthful, legally sufficient written notice as to every
single you are threatenting to cancel on some date unknown in addition
to actual single Notice that I have received which is completely inaccurate
in every possible sense. As a former prosecutor I have rarely been
presented with the abundant evidence of false, deceptive, misleading
representation including but not limited to the direct evidence
demonstrating that my innocent question of Sara regarding the
subsidence issue has apparently triggered the immediate notice versus
the patient effort to cause so much confusion that you could arguably
cancel the insurance based upon failure to pay. I have identified and
communicated in just the past six months multiple red flags of unfair
which I ignored because I trusted you and Sara to honorable, decent
people who care about your customers. Sarah, is the most duplicitous
individual I have ever had the misfortune of doing with this. And is
obvious that the constant of materially mail and information was causing
and escalating my stress over my mother’s death and now I am absolutely
that you collectively intended that result. Even a casual review of the
many emails I have required to send to Sara almost on weekly basis
demonstrates that fact.
I could care less if youi are sorry or confused. And I really doubt that any
of you are so naïve and unsophisticated that you have no idea what laws
regulate your business. And I do not appreciate that you and Sara are
each sending me separate emails which do not include or directly reply to
my demands for the facts I need to know today. And how dare you
collectively deny the estate any notice of our rights including by refusing
to provide an accurate and complete notice of all rights which I intend to
exercise but you have now intentionally denied m
ERIE00050220-2111/1311/13
\ But you are collectively in violation of explicit provisions of the Notice
law in every possible. As of today, I assume from the poorly emails form
Sara that you informing that on some date unknown you are cancelling all
active policies unless I make a materially false statement representing
that the properties are rentals. That is a lie and there is no basis in fact or
law for Erie to threaten iummediate cancellation in retailiation for
upgrading my policy of the two non-duploicativfe notices. In what world
is this okay? And I am not in position to cancel anything. This is bad faith
and violates the plain language of the statute. Moreover, every
representation and new never before disclosed issue as even two months
ago when we upgraded umbrella by Sara in writing is materially false and
misleading. You are threating my ability to honor my fiduciary duties and I
am fairly confident that you know that .
Attached is the photographic record demonstrating the utter non-

compliance with the Notice per my email last night upon receipt on March
11. In addition, see my very recent inquiry about subsidence which given
the timing support the basis of the Refusal to Renew as new hazard. This
contrary to Sara writtten representation today that the real basis is,
Sara, in her emails has written that the alleged Notice is utterly materially
false and misleading for reasons even the sections highlighted in the
attached Notice. Specifically, she has represented that the basis for the
failure to renew is not because of “increased hazard risk” which means
the Notice is false as well as deficient. In my informed opinion, she lied
today given the timing of my recent question of Sara on this very issue.
e Notice in that regard. And from Sara has written that you are somehow
threatening cancellation on any of million different policies. My records
include every email where I notified of the ridiculous, in excusable
amount of Erie mail received to the point that I could not given up.
And, given that you are Sara directly for untimely, inaccurate, false,
deceptive, incomplete Notice of yesterday, it is obvious to me today that
Sara and your internal staff lied to me in response to my complaints after I
was last threated with cancellation by ERIE because you staff gave me
false and misleading about what payment was due when and refused all
requests for online billing as well as access to information on Erie website
beyond what the bill and then only if you can log on.
And I intend every single right I have under the law to exercise my rights
ERIE00050320-2111/1311/13
which I am still not aware given you failure to respond to my repeated
requests for a ccmplete and accurate of cancellation including all rights
under Pennsylvania law. Please ensure you collectively ensure that no
records related in any fashio9n to my mother or the estate’s business
relationship with your franchise, affiliates, underwriters, Pennsylvania
regulators, your franchisor, all communications between my family and
your staff at all relevant times that you were mandated to maintina such
records. record, email with any other party including the Insurance
Regulator, all affiliated
And per my complaint of threatened cancellation as a consequence of

false and misleading information given to me by your staff of two or less
months ago

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
DISCLAIMER: This e-mail message is intended only for the personal use of
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Importance: High
Hi Uta,
ERIE00050420-2111/1311/13
This is Kelly Grafton. I am the owner of the insurance agency. I am out of
the office today with my mom, it’s her birthday ☺ I have 2 little boys so
anytime I can spend with her, I try to take advantage of these days.
I have known your family for years and providing your family excellent
service and protection is my number one priority. Sarah loves your family
and truly takes pride servicing your family as well. We do not want you to
be upset whatsoever and believe me, we care way too much about you.
We will get everything straightened out, I promise.
I spoke to my underwriter at ERIE and we want to work with you & get all
these policies squared away to make certain you are happy. We care so
much about making your happy and making sure you are not upset. I want
to get everything handled for you and make sure we are all good to go.
Rest assured, I never ever want you to be upset and those letters can be
scary but we can work through all this and get you all taken care of &
squared away.
I would be more than happy to meet you in person at your home, we can
do a zoom call, you can call my cell phone any time 724-971-4218, I will
do whatever it takes to get your insurance needs handled. Please let me
know the most convenient option for you and I will make it happen, you
have my word.
Uta, once again, I can’t tell you how much your business means to our
agency, we are always here for you, we care about you and we will get
everything taken care of for you. Save my number, anytime you need
anything at all do not hesitate to call me and this is my email, you can
always reach me by either.
Thank you so much. I look forward to hearing from you soon ☺
Sincerely,
Kelly Grafton
724-971-4218
ERIE00050520-2111/1311/13
From: Kelly Grafton
Date: Thursday, September 2, 2021 9:41:43 AM
Good morning Uta,
I wanted to touch base with you to see if I can go ahead and file a claim for you on the Ford City
Home and the Munhall Condo to get the ball rolling with ERIE.
Also, do you have a contact for RSC Restoration? I would love to get in touch with them as well.
Thanks Uta, talk soon!
Kelly Grafton
From: Kelly Grafton

Hello Uta,
Voneckartsberg.
as 1211 Ross Ave.
claim numbers ASAP.
Thank you!
Kelly Grafton
ERIE00050620-2111/1311/13

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

Hello Uta,
ERIE00050720-2111/1311/13
Sincerely,
Kelly Grafton

Thanks

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00050820-2111/1311/13

Kelly:


ERIE00050920-2111/1311/13

Ross)
1211 Ross
she left.
ERIE00051020-2111/1311/13


5600 Munhall

ERIE00051120-2111/1311/13
claim.



Regards,
Uta
ERIE00051220-2111/1311/13
412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
Kelly,

represent i
ERIE00051320-2111/1311/13

ERIE00051420-2111/1311/13

ERIE00051520-2111/1311/13
months ago

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)

Importance: High
Hi Uta,

ERIE00051620-2111/1311/13
squared away.
have my word.
Sincerely,
Kelly Grafton
724-971-4218
ERIE00051720-2111/1311/13
From: Kelly Grafton
Date: Wednesday, September 1, 2021 6:11:37 PM
Hello Uta,
Voneckartsberg.
as 1211 Ross Ave.
claim numbers ASAP.
Thank you!
Kelly Grafton

ERIE00051820-2111/1311/13

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

Hello Uta,
Sincerely,
Kelly Grafton
ERIE00051920-2111/1311/13
Thanks

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)

Kelly:
ERIE00052020-2111/1311/13


ERIE00052120-2111/1311/13

Ross)
1211 Ross
she left.

ERIE00052220-2111/1311/13

5600 Munhall

claim.

ERIE00052320-2111/1311/13

Regards,
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00052420-2111/1311/13
Kelly,

represent i
ERIE00052520-2111/1311/13


ERIE00052620-2111/1311/13

months ago

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
ERIE00052720-2111/1311/13

Importance: High
Hi Uta,

squared away.
have my word.
ERIE00052820-2111/1311/13
Sincerely,
Kelly Grafton
724-971-4218
ERIE00052920-2111/1311/13
From: Kelly Grafton
Date: Wednesday, September 1, 2021 4:22:59 PM
Hello Uta,
Thank you for your email. I feel terrible that you are unhappy, and I sincerely apologize for any
confusion or misunderstanding.
I have forwarded this matter to Corporate - ERIE Home Office. I would advise that you contact the
Office of the President at ERIE INSURANCE regarding this matter. His office can be reached at 814-
870-3117.
For any future correspondences regarding these policies, please contact the Office of the President
at ERIE INSURANCE for assistance. Thanks so much!
Sincerely,
Kelly Grafton

Thanks

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00053020-2111/1311/13
On Aug 31, 2021, at 1:32 PM, Uta von Eckartsberg <uvoneck@outlook.com> wrote:
Kelly:
First, the Estate intends to file civil actions against you and your co-conspirators jointly
and severally in your personal as well professional capacities under multiple theories of
liability, including but not limited to, breach of contract, mail fraud and possible wire
fraud (possibly Civil Rico), bad faith, wrongful death, misrepresentation (I.e., p & g was
never an “independent agent” as represented. Rather you and your corporation have
always been controlled by and under control with Erie.
Other potential causes of action include conspiracy, RICO conspiracy as well as for
violations of Pennsylvania’s consumer protection laws, tortious inteference with
business relationships as well as intentional infliction of emotional distress and
harrassment (my personal case). I may or may not pursue a market conduct referral. I
tell you this so you understand that you are under a legal duty to retain, maintain,
prepare all records of any kind relating to me, my family, our claims, all
communications with your underwriter or carrier, internal memoranda, any all records
relating to subsidence hazard, Pennsylvania’s Fair Plan Eligibility requirements, any and
all financial accountings for any and all financial transactions between my mother, her
estate, and me relating to any related insurance policy held with you at all times from
approximately from 2013 to present (in my case I have been Erie for more than 30
years with maybe one claim which makes your collective conduct even more egregious
and outrageous. I will write a formal litigation notice at my earliest convenience.
Bottom line as a matter of law and fact, the alleged/threaten cancellation of my

mother’s/Estate’s condo secure policy and all other polices written and renewed in
2020 including November 2020 remain in full force through the present. Among other
things, the initial notice fails to comply with material elements of Pennsylvania statute
and form, and each and every subsequent written and verbal threats and/or allegation
regarding the effective cancellation or failure to renew absent my improperly titling
estate property in my name and/or related misrepresentations that an “Estate” cannot
be an insured with respect to existing for more than 60-days (or future policies) were,
ERIE00053120-2111/1311/13
are, and continue to be materially false, fraudulent and misleading because (among
other things) your demands and represntations are contrary to state law (ie MVC), is
not a statutorily permitted bases for cancellation of a policy of insurance per section
5(a)(9) of the Unfair Insurance Practices Act (40 P. S. § 1171.5(a)(9). And all property
insured in the name of the Estate explicitly meets the eligibility requirements for
insurance under rhe Insurance Placement Facility of Pennsylvania (Fair Plan) in effect at
all relevant times. With respect to the original, single formal notificw in which you
collectively identified subsidence hazard as the basis for cancellation (later denied
when the consecutive false representations regarding the estate as insured in emails
from Sarah that are collectively attributable to you), Market Conduct Exams in
Pennsylvania and elsewhere demonstrate that you (and Erie dba PG) including Erie
knew or should have known the cancellation and/or direct or indirect threats to cancel
or fail to renew were false, fraudulent baseless and that conduct constitute unfair
insurance practices for which Erie has admitted liability in the past and (apparently
falsely) represented it would take corrective to insure no reoccurrence of substantively
identical misconduct.
Notice of potential Claims (Estate and me (personal property at 1211 Ross)
At the outset, I state for the record that I do not anticipate any genuine cooperation or
good faith going forward and I request that you fully document and make utterly
transparent all decisions or actions while insuring you are strict compliance with all
applicable laws. Failure to do so will simply be a basis for greater damages. All
documentation related to this or any future claim must be maintained with the
expectation of being subject to litigation and discovery. In the regard, it is my
understanding that there is a fraud/crime exception to any claim of privilege which I
believe will likely be applicable to this matter.
1211 Ross
On Aug 10, 2020, estate employee Dystany Mikaso went to 1211 Ross to clean which
she does on a bi-weekly basis. Everything was normal when she left.
On August 12, 2020, during a series of bad storms the ADT alarm at 1211 Ross went off
and local police were called. The ADT system showed the point of entry as being the
back porch. Manor township police told me that when they responded to the alarm
they did not hear it upon arrival and did not see evidence of a break-in. I personally
spoke to the responding officer and advised of he back door issue and he kindly agreed
to go back and check again. He specifically said he would check the back porch door.
Ultimately, he did not see any evidence of break in and though the alarm might have
gone off because of the storm.
On August 26,2021: Dystany returned to clean and Check on the property and found a
massive soggy mess. And evidence of mold on my personal possessions including my
ERIE00053220-2111/1311/13
oriental rug (the value of which I can demonstrate by prior estimate). She found the
back door was unlocked so it does appear that the door was opened whether by a
burglar or the storm but that was likely a (if not the) source of water damage. There
was no evidence of any broken pipes, etc. This incident is sudden accidental and the
water infiltration is likely a consequence of the storm.
Today RCs Restoration (412) 379-3278 came to the house. They found standing water
in the basement and areas of mold/water infiltration in the house. They believe it may
be just a function of all the storms we’ve had lately. I have photograph of some of the
damage. They are very experienced and will be in touch.
My oriental rug is perhaps salvageable and I am allowing them to take the carpet and
have cleaned professionally in the hope they can save. It is valued at least $5000.
Otherwise my couch and entertainment center and certain other personal
possessions may be a total loss.
With respect to the house, first RC will install dehumidifiers for three days, move my
rug out for cleaning and then have an adjuster come to view the extent of water/mold
damage to provide a firm estimate for restoration. Given the harrassment by mail and
email (ie. In just one-year, I have been bombarded with more than 200 written
communications per my prior complaints that you must have retained as is your
statutory duty), I have no idea what your current position is in on any policy. I do not
trust you at all. I resent that you are my POC on this extremely serious for which qe
ubdoubtably deserve and are entitled the utmost good faith. Ha. Please advise of next
steps
5600 Munhall
Second, your co-conspirators at 5600 are making what is almost certainly (another)
fraudulent claim of a leak in Amy mom’s condo. Today they emailed my likely
fraudulently alleging the existence of a leak impacting the unit below. Based on past
experience, I reasonably believe that this is claimed leak is just another fraud in
progress but I may have to let them in if they can provide real-time video evidence
corroborating the current claim.
In this case, damages, if any, could be to my personal property, estate personal

property or to the condo itself and/or the floor below I guess. To the extent your
position that my mother’s condo was factually and legally cancelled and that we no
have no coverage. I request you and the ERIE underwriter speak to its General
Counsel and review the law. Everything I write is applicable to Erie and its agents in
this context. There is no doubt in my mind that no reasonable finder of fact would or
could hold that ERIE did or even could cancel my mother’s/the estates condo policy or
policies. If your lawyers disagree, please ask they provide with a letter describing the
legal basis for such disagreement.
ERIE00053320-2111/1311/13
With respect to communications and records that are under a litigation hold, I include
any and all records relating to any insured or prospective insured at 5600 Munhall as
well as any external communications between you, your staff, or anyone else at or
associated with 5600. Again, I will formalize a litigation hold letter when I am able.
Please also provide me at your earliest convenience the name and title of your
underwriter at Erie who you allege initiated and mandated all illegal conduct described
Also, do you (ERIE dba PG) even have a valid corporate existence in Pennsylvania? It
does not appear that you have filed the statutorily mandated reports…. And who is
your representative agent for service?
Going forward, I want you to be sole point of contact for me going forward as I
previously requested. You will not escape liability for your employees or agents false,
deceptive or illegal conduct and/or representations under any circumstance. Still you
are in charge. And whatever happens going forward with actual or potential potential
claims, etc, I will only deal with you. Please ensure your staff cease & decease from
mailing or emailing me with multiple mutually inconsistent representations or
demands.
I strongly suggest you ensure that you are in 100% in compliance with all applicable
laws, rules, and regulations going forward. I will provide RC contractors you direct
contact info. I expect to be in the loop and copied on any and all communications
regarding 1211 (and 5600 as necessary.).
Regards,
Uta

412.207.7742 (PH)
301.461.7445 (C)
724.631.5212 (FAX)
ERIE00053420-2111/1311/13
Kelly,
First, are you seriously threatening to cancel or fail to review multiple other polices
absent my making a false representation about a rental properties. As everyone
knows, we are not renting out the properties. What is your basis for this threat and
how dare threaten cancellation of various policies unknown by email on some date
certain unless I agree to lie. Estates rarely settle in six-months. I am willing to bet
that cancelling a policy because no one but the estate owns the property and thus the
insured property is properly in the estate’s name is not permissible. If you legal
counsel disagrees then comply with the law and provide thye accurate basis for your
decision and the basis for what you are now represent i
and to the extent that Erie had any concerns or issues about everything stay in the
estate’s until we sell or settle
I have spoken to you in the past and I trusted you as my family did. But the overall
evidence including the blatant refusal to provide me with an accurate, complete,
truthful, legally sufficient written notice as to every single you are threatenting to
cancel on some date unknown in addition to actual single Notice that I have received
which is completely inaccurate in every possible sense. As a former prosecutor I have
rarely been presented with the abundant evidence of false, deceptive, misleading
representation including but not limited to the direct evidence demonstrating that my
innocent question of Sara regarding the subsidence issue has apparently triggered the
immediate notice versus the patient effort to cause so much confusion that you could
arguably cancel the insurance based upon failure to pay. I have identified and
communicated in just the past six months multiple red flags of unfair which I ignored
because I trusted you and Sara to honorable, decent people who care about your
customers. Sarah, is the most duplicitous individual I have ever had the misfortune of
doing with this. And is obvious that the constant of materially mail and information
was causing and escalating my stress over my mother’s death and now I am absolutely
that you collectively intended that result. Even a casual review of the many emails I
have required to send to Sara almost on weekly basis demonstrates that fact.
I could care less if youi are sorry or confused. And I really doubt that any of you are so
naïve and unsophisticated that you have no idea what laws regulate your business.
And I do not appreciate that you and Sara are each sending me separate emails which
do not include or directly reply to my demands for the facts I need to know today. And
ERIE00053520-2111/1311/13
how dare you collectively deny the estate any notice of our rights including by refusing
to provide an accurate and complete notice of all rights which I intend to exercise but
you have now intentionally denied m
\ But you are collectively in violation of explicit provisions of the Notice law in every
possible. As of today, I assume from the poorly emails form Sara that you informing
that on some date unknown you are cancelling all active policies unless I make a
materially false statement representing that the properties are rentals. That is a lie and
there is no basis in fact or law for Erie to threaten iummediate cancellation in
retailiation for upgrading my policy of the two non-duploicativfe notices. In what
world is this okay? And I am not in position to cancel anything. This is bad faith and
violates the plain language of the statute. Moreover, every representation and new
never before disclosed issue as even two months ago when we upgraded umbrella by
Sara in writing is materially false and misleading. You are threating my ability to honor
my fiduciary duties and I am fairly confident that you know that .
Attached is the photographic record demonstrating the utter non-compliance with the
Notice per my email last night upon receipt on March 11. In addition, see my very
recent inquiry about subsidence which given the timing support the basis of the Refusal
to Renew as new hazard. This contrary to Sara writtten representation today that the
real basis is,
Sara, in her emails has written that the alleged Notice is utterly materially false and
misleading for reasons even the sections highlighted in the attached Notice.
Specifically, she has represented that the basis for the failure to renew is not because
of “increased hazard risk” which means the Notice is false as well as deficient. In my
informed opinion, she lied today given the timing of my recent question of Sara on this
very issue.
e Notice in that regard. And from Sara has written that you are somehow threatening
cancellation on any of million different policies. My records include every email where
I notified of the ridiculous, in excusable amount of Erie mail received to the point that I
could not given up.
And, given that you are Sara directly for untimely, inaccurate, false, deceptive,
incomplete Notice of yesterday, it is obvious to me today that Sara and your internal
staff lied to me in response to my complaints after I was last threated with cancellation
by ERIE because you staff gave me false and misleading about what payment was due
when and refused all requests for online billing as well as access to information on Erie
website beyond what the bill and then only if you can log on.
ERIE00053620-2111/1311/13
And I intend every single right I have under the law to exercise my rights which I am still
not aware given you failure to respond to my repeated requests for a ccmplete and
accurate of cancellation including all rights under Pennsylvania law. Please ensure you
collectively ensure that no records related in any fashio9n to my mother or the estate’s
business relationship with your franchise, affiliates, underwriters, Pennsylvania
regulators, your franchisor, all communications between my family and your staff at all
relevant times that you were mandated to maintina such records. record, email with
any other party including the Insurance Regulator, all affiliated
And per my complaint of threatened cancellation as a consequence of false and

misleading information given to me by your staff of two or less months ago

412.207.7742(ph)
301.461.7445 ©
724.631.5212 (fax)
DISCLAIMER: This e-mail message is intended only for the personal use of the
recipient(s) named above. This message may be an attorney-client communication and
as such privileged and confidential and/or it may include attorney work product. If you
are not an intended recipient, you may not review, copy or distribute this message. If
you have received this communication in error, please notify us immediately by e-mail
and delete the original message and its attachments from your computer system.
Please be advised that no privileges are waived by the transmission of this message.

Importance: High
Hi Uta,
This is Kelly Grafton. I am the owner of the insurance agency. I am out of the office
today with my mom, it’s her birthday ☺ I have 2 little boys so anytime I can spend
ERIE00053720-2111/1311/13
with her, I try to take advantage of these days.
I have known your family for years and providing your family excellent service and
protection is my number one priority. Sarah loves your family and truly takes pride
servicing your family as well. We do not want you to be upset whatsoever and believe
me, we care way too much about you. We will get everything straightened out, I
promise.
I spoke to my underwriter at ERIE and we want to work with you & get all these policies
squared away to make certain you are happy. We care so much about making your
happy and making sure you are not upset. I want to get everything handled for you and
make sure we are all good to go. Rest assured, I never ever want you to be upset and
those letters can be scary but we can work through all this and get you all taken care of
& squared away.
I would be more than happy to meet you in person at your home, we can do a zoom
call, you can call my cell phone any time 724-971-4218, I will do whatever it takes to
get your insurance needs handled. Please let me know the most convenient option for
you and I will make it happen, you have my word.
Uta, once again, I can’t tell you how much your business means to our agency, we are
always here for you, we care about you and we will get everything taken care of for
you. Save my number, anytime you need anything at all do not hesitate to call me and
this is my email, you can always reach me by either.
Sincerely,
Kelly Grafton
724-971-4218
ERIE00053820-2111/1311/13
From: OFFICE of the PRESIDENT
Subject: ERIE Policies
Date: Friday, September 10, 2021 9:17:52 AM
Attachments: Von Eckartsberg.GTPA.pdf
Von Eckartsberg Enclosures.pdf
Dear Ms. Von Eckartsberg,
Attached you will find information in response to your email exchange with Preston & Grafton
Insurance related to the ERIE policies held by yourself and in the Estate of Elsa Von Eckartsberg.
Thank you.
Gretchen T, AINS, AIS, PLCS, CPIW

Senior Executive Resolution Examiner
Office of the President
Erie Insurance Group
814-870-4927 Office
814-461-2889 Fax
Officeofthepresident@erieinsurance.com
Disclaimer
ERIE00053920-2111/1311/13

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From: postmaster@NETORGFT4176332.onmicrosoft.

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Uta von Eckartsberg, Esq.

From: Preston Grafton Insurance <pg@prestongraftoninsurance.com>

Thanks again Uta, I really appreciate you so much as my customer.

From: Uta von Eckartsberg <uvoneck@outlook.com>

And what about the car. Is is a year policy or is it a 6-month policy?

Uta von Eckartsberg, Esq.

On Mar 12, 2021, at 9:24 AM, Preston Grafton Insurance

After hours or on the weekends, feel free to reach out.

From: Uta von Eckartsberg <uvoneck@outlook.com>

Created with Scanner Pro

Thank you, Sarah! As always you are the best.

Uta von Eckartsberg, Esq.

On Nov 10, 2020, at 9:56 AM, Preston Grafton Insurance <pg@prestongraftoninsurance.com>

Q59-6402070 5600 MUNHALL RD APT 309 – Paid in full for year

Q59-5106054 1211 ROSS AVE – Paid in full for year

Q35-0350756 Umbrella – Paid in full for year

Q10-0169125- Auto – Paid in full for year

Let me know if this all makes sense! Thanks so much again!

Have a great day!

From: Uta von Eckartsberg [mailto:uvoneck@outlook.com]

<uta renters invoice.pdf>

I hope this email finds you well.

I wanted to follow up regarding your families insurance needs.

ERIE Auto Quote- 2017 Mercedes Quote in Uta Voneckartsberg’s Name:

Bodily Injury Liability -250,000-500,000

ESTATE OF ELSA VONECKATSBERG- Condo @ 5600 Munhall Rd. Apt 309

Building/Additions/Alterations Coverage- 300,000

ESTATE OF ELSA VONECKATSBERG- Home @ 1211 Ross Ave.

Guaranteed Replacement Cost on Dwelling- 308,000

Thank you for your business. Have a great day!

during the course is illegal.

And per my complaint of threatened cancellation as a consequence of false and misleading

Uta von Eckartsberg, Esq.

From: Kelly Grafton <kelly@prestongraftonagency.com>

Thank you so much. I look forward to hearing from you soon J

Thank you so much. I look forward to hearing from you soon J

Thanks again Uta, I really appreciate you so much as my customer.

From: Uta von Eckartsberg <uvoneck@outlook.com>

And what about the car. Is is a year policy or is it a 6-month policy?

Uta von Eckartsberg, Esq.

After hours or on the weekends, feel free to reach out.

Created with Scanner Pro

After hours or on the weekends, feel free to reach out.

From: Uta von Eckartsberg <uvoneck@outlook.com>

Created with Scanner Pro

Uta von Eckartsberg, Esq.

Dear Erie Insurance Customer,

Thank you for your recent one-time payment to Erie Insurance.

Policy/Account Billing # Q596007307

Policyholder UTA VONECKARTSBERG

Payment Date 2/4/2021 7:08:14 PM (ET)

Payment Amount $95.00

Payment Method Visa Debit

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