Sloppy vehicle collision claim review and decision
CALIFORNIA -- I have been a Progressive Auto Insurance client since 2005, however since 2001 I was with Drive Insurance, which was acquired by Progressive in 2005.
9 days ago, when I was backing out from a private parking lot, I had a very mild collision with a vehicle, which was not present behind me at the time I was backing out. I checked my back thoroughly. When the tail of my vehicle was about 1/4th in the aisle, an impact with a vehicle occurred. The 3 passengers from that vehicle stated they were sitting behind me, in stopped position in their car, for approx. 20 seconds, "looking at their navigator". Had that been true, I would have seen them. Where they came from, and at what speed, remained speculative at best.
The adjuster at Progressive took my recorded statement and expressed that I was at fault, without obtaining the recorded statement from the other driver yet.
Progressive's adjuster defended the other driver's position, stating they had the right of way. In my view, he disregarded that the other driver's defense lacked logic, as I would have seen a vehicle parked right behind me, on the aisle. My theory is the other driver made their move after I began to back out, as my back was clear at the time of my motion, whereas they advanced at a speed that made their motion unpredictable. Anybody can back out when the back is clear, however, if a vehicle approaches the vehicle which is in the process of backing out, at a speed that guarantees a collision, the collision will not be preventable by the vehicle which is backing out. Accusing the one who is backing out of fault automatically, is nothing short of sloppy.
This fine detail was disregarded by the adjuster, who proposed fault on my behalf, without even having taken a statement from the other driver yet. I am very disappointed about my insurance's opinion-oriented approach to a scenario that definitely is not as simple as they scripted. Their at-fault decision against me is formed without regard to illogicalities in the development of the impact.
Progressive decided I was at fault and is increasing my insurance premium, plus giving me "points". The damage on the other driver's property was a mild dent on the front right fender. I paid insurance premiums for 5 years to Progressive, plus 5 years to Drive Insurance, which they acquired. What I paid them on premiums by now, would take care of the minor damage they wish to pay for with ease, and still leave them with excellent profit. Seems not enough. Thus, they raise my premium amount, plus add "points". Certainly, how else would that "Progressive-Lady" in TV commercials be on air every 30 minutes nationwide, manically
selling promises which sound too good to be true.
If the government decides to regulate insurance companies' profit mongerism at the expense of consumers by arbitrary fault decision, I surely will be the first one to vote for that.
I'll terminate my clientelship with Progressive latest at the time of premium increase.
I do not recommend Progressive to anyone.
PS: They also imposed a late fee penalty on my account once "by mistake", though I always paid on time. Had I not requested correction, I would have overpaid them.