Progressive Insured Crashed Into My Office While Texting and Progressive Won't Pay
Hello, I have my office in a small quaint little East Texas town, it is (or was) a gorgeous old home just off the two lane highway going through town. It is a pier and beam with some of the original bodark stumps. I had just recently remodeled the gorgeous office which is a focal point while driving through town. On May 6 of 2013 a woman insured by Progressive was speeding through town and veered sharp to the right to avoid a car that had their left blinker on to turn into the apartments that I own across the two land highway. The woman insured by Progressive was rude and upset, she had been texting and looked up to see the car stopped in front of her. The police came, we all took photos, even photos of the insured. The damage to my office building took pillars out, crashed my porch, my new Austin stone, my doors were immediately out of whack and were hard to open, the antique furnishings inside were slanting from the impact and it was clear that the foundation had shifted from various other obvious factors.
Progressive was called and they took weeks to send an adjuster out, when he finally arrived he stated that he was concerned for he had never handled an auto claim where their insured had crashed into a building. As expected from his attitude, it took weeks but the estimate came in at $2500.00 dollars and claimed that their insured ha not caused all of the damage. I threw a complete fit with Progressive and contacted the CEO, I was assured that I would be taken care of. Progressive then sent what they told me was a Texas State Licensed Engineer out to write a report. The report took weeks and my tenant and I waited and waited, we had been told not to use our building until the Engineers report was in.
After weeks of my daily emails requesting that the report be completed, the report came back with a ridiculous finding. The building was fine, according to their "Engineer", I had anticipated some type of Fraud response as I had looked Progressive up with the Texas Insurance Commission an seen that they had been fined many times and paid the fines for using unlicensed individuals to try to pay less on claims. With this information, I looked up the Engineer, Mark with Rimkus Engineering and SURE ENOUGH! Mark had been sanctioned in 2002 NEVER to practice engineering in the state of Texas until he acquired his Texas PE License. Mark was fined, and Mark had recently been fined within months early and Rimkus Engineering hired an attorney to get him off for practicing without his Texas License. I hired a REAL Licensed Engineer and a REAL foundation company to come in and give reports. This cost money, but I wanted a REAL answer. Sure enough, Progressive had tried to defraud me, as they had many others. I have estimates totaling way over $84,000.00 to make the repairs on my office building, not $2500.00 that Progressive wanted to pay.
To top this off, when we finally re entered my office, an armoire that had been knocked by the impact fell on top of me and pinned me down, I had to have surgery on my knee and am still enduring painful months of physical therapy. Progressive is a terrible insurance company and needs to be stopped. Everyone needs to switch insurance companies. Many innocent people are being defrauded on a daily basis. I am going to the Texas insurance Commission, they will be fined, I am having to hire an attorney to go after Progressive. Progressive has tried to send a "Licensed Engineer" now that they have been caught. They had their chance and Progressive has been caught red handed, ONCE AGAIN.