STRATFORD, CONNECTICUT -- I am a 25 year old male who recently graduated college in 2015. Of course you make friends and of course meet a girl in college and ultimately make the town your college is in your second home! Growing up with a rough childhood placed me with 3 different homes, my grandmother's who lives in New Haven, CT, my father who lives in Stratford, CT and my mother who lives in New Haven, CT (where my license is from). I went to college in 2010 and obtained an address in Springfield.
Total I have about 5 addresses 2 in MA and 3 in CT until I can get my life situated. Sooo in May of 2017 I got into an accident which was deemed my fault due to the law if you're turning left you have to yield to oncoming traffic, which I did but the lady decided to speed through the light and hit me, as witnesses say.
Don't really care, it's over with, my car got fixed so did hers and nobody was hurt. .5 months down the road, on October 19, 2017 I got into a hit and run which totaled my car. I did not have my license on me at the time so I gave the officer an old mileage check that I received from my job in MA that I commute to from Stratford (I was not the only person commuting to work from CT and I'm sure I'm not the only person who commutes from state to state regarding work).
Thinking everything will get done in my insurance hands and the police hands, nothing was ever done! On my policy it says I have 30 day free rental, I'm sure that means if I wanted to take a vacation and go to VA to see my niece, I should be able to rent a car through my insurance? I obtained my rental a day or 2 later on either the 20th or 21st of October.
On 10/27/2017 I received a call from Enterprise stating that Progressive will not cover my rental and I need to come up with a large amount of money to continue to stay in the rental. I let the rep know that there may be a mistake that Progressive have made and give them some time to get all the information through. A week later, I received a text from Enterprise stating that if I do not return the car, it will go in as a stolen car. Now mind you, I do commute to work and for the past week since I had the rental I've been staying at my girlfriend's dorm room and/or my friend's house in Springfield to not tack on mileage on the rental.
Here we are, 1 month and 9 days and I am still without a car, I am stuck with a 400$ bill from Enterprise, I am sleeping at my girlfriend's house almost every day or my friends, I pay Uber too much money every single day just to go to work and go back to her house, I am now forced to live in a place I do not want to live and go see my family on the weekends if I can get a ride.
Progressive says they are not covering the damages on my 2015 Nissan Altima due to me lying about where I live, I sent in the correct information such as a utility bill like they asked and they are still not moving. They are asking for tax returns for 2017 which are totally different from where my car resides. I have GMC financial hounding me about the loan, Enterprise calling me about the outstanding bill, and cannot obtain a car from a dealer due to my loan being unsatisfied.
I am writing a review due to people being careful about traveling out of state due to Progressive's restrictions. I was never late on my payments for my insurance and usually paid a month ahead of time! I've been without a car since 10/19 and a rental before November.
November was already paid for ahead of time in October, meaning I still should be covered!!!??? They still sent me a bill for December, and the claims rep knows I do not have a car or the Nissan that they took! So how am I still covered?? Why do I not have a rental? I am emotional, mentally and physically tired and cannot deal anymore. I spend a ridiculous amount of money just to make it to work every day, I am a good guy who has never been in trouble and graduated with a BA in Criminal Justice. I plan on writing a letter to the state and the attorney general to explain my story and hopefully get some help.
Progressive has beat me down to nothing, to the very last penny in my pocket and I sometimes walk 2 towns just to go to work. I feel like quitting my job and giving up on life, I am financially doomed. I'd expect people would want the best for kids who just graduated college and are on to better things, who are actually trying to change lives of children. I was let go of my job because of this accident and not being able to work.
My car shows 40k miles in less than a year from my travels. (I received my car at around 34, 35k in year 2016 and at the time of the accident in 2017 I had 80k.) people wonder why people go crazy and do obscene things that impact millions of peoples. I'm not only giving a review but I am asking for help!!! Please!!!
FLORIDA -- I have never in my life experienced such horrific service. I filed a window on my convertible that broke. They filed it as a regular window. I was out of town as well. I told them the location, I was told the adjuster will call me tomorrow and everything would be arranged. The adjuster never called, I saw an email later in the day. I tried to call but no response so sent an email and call customer service who put me through to Alexie. This person was rude, condescending, threatened me, told me absolutely no managers were on site. I asked to speak with someone, he laughed and said "who"... I could not believe what I was hearing.
I asked to be transferred to customer service. The agent put me through to Chris. This claims adjuster had no idea where to get a convertible window fixed, gave me the runaround...I told him "why not try a dealer." I gave him the dealer we worked with and he tried to arrange service at a location closer to our home which is 3-4 hours away. He said there were only a few places that fixed this kind of window and that our policy would cover 150 miles to tow. I said why should I have to pay for any mileage over if that is the only place to get the car fixed.
He then had a 3 party vendor to tow the car who quoted $815 and I would have to pay $500 of it since Progressive only covers 100 miles. I said what happened to the 150 miles? He said that he stated 100 miles. I said, "There is no way I should be responsible for something like this if Progressive has chosen the place." I told him to choose some place closer to where I was at so I would not have to pay the extra mileage. He said there was nothing...it was very specialized. I looked online and told him I had a list of places that specialized in convertible tops. He asked me for the name and number. I said, "Why am I doing your job?"
I asked him to admit it and he said he was not and refused to help me and also threatened that since I would not have the repairs done at the shop then I could no longer get a rental. I wanted a manager and he hung up on me. I called customer service and they put me to a manager Richard, who supposedly set up everything with a Progressive service center. He said the rental was set and the service and that a representative from the service center would call me in 5 minutes to pick up the vehicle and I could ride in the truck to the service center to get the rental.
I double checked with him that the rental would not be an issue since many of them close at 6 pm here. He said it did not matter because it was all a part of the service center. I asked for a claim or reservation and he said the service center had all the information so I did not need it. After we hung up the service tow truck operator, Dennis, wanted to confirm that the car would be picked up tomorrow morning. I told Dennis that Richard had it all set up for a pick up today and that I would also be getting a car rental at that location. Dennis said they close in 5 minutes and there is no way to get it completed tonight.
I asked about the car rental and he said they closed also in 10mins and no one could come get me. I called customer service once again to speak with Richard since he just set this up and Kevin got on the line and was no help. I asked to speak to Richard and he said he was gone for the day. I then got a call from Kenny who works with car reservations and questioned why the pick up was scheduled for a location in Miami. I then spoke to CS again and Roy came on who said he was a manager and that he could help get a rental but no places were open. I suggest the airport, he said I could go there but I would have to pay the airport fees.
I stated that I did not make this mistake and why should I have to pay for it. He said there was nothing he could do and then I asked to speak to manager and he said there were no managers available. I was put on hold for 20 mins. then customer service agent told me to hold to get a manager in claims resolution which took 30 minutes to get Josh from Claims resolution who said this is all a mistake and should have been handled appropriate. The information was incorrect and nothing could be done. Now I have to wait another 24 hours to get service and car rental. This is horrific!!
THEY'RE EVERYWHERE, OHIO -- I had a seven year old, $45,000 Toyota van. I had an accident. They totaled my van. Progressive said my van would typically be worth $13,000 or so. Then they deducted $6,000 more. Let's be clear. My $43,000 van was valued at $13,000 seven years later. Why would they do that? Because seven years of wear and tear is pretty significant.
So why, in the photos taken after the accident, did they emphasize damage THAT WAS THE RESULT OF THE ACCIDENT? I'm not talking about broken body parts and bent axles and stuff, I'm talking about repeated photos of the bag of water softener salt that split open, went all over the place. I'm talking about wood chips and shards of bark from taking firewood to the Girl Scout camporee. I'm talking a small fortune in colored pens and pencils. And two close-ups of empty fruit drink bottles from recent rides to school.
I'm talking about the places where the inadequate die job on the brand new leather seats began to show its age after seven years. (Isn't that the wear and tear that decreased the value of my car by $32,000?) They highlighted three areas where my daughter's leaf collection split apart and left little brown crumbs in the corners of consoles and drink trays. A good five minutes with a vacuum cleaner would fix that horror show right up.
They photographed rusty tools. They stood outside and pointed to where the corners of the plastic chrome had begun to rub off. They showed, and this is the worst, a photo of a brand new, well lighted odometer with about 50,000 more miles than I had a month ago. From a car with no functioning battery and a crushed electrical system.
These grifters nickle-and-dimed $6,000 off the value of my car. A car they totaled. They took money off for things that were housecleaning. No detail escaped their attention. None was spared their write-down juggernaut. Questions were answered in stentorian tones about the "condition of your van." I felt small and despicable.
So, here's an interesting thing that happened. Keeping in mind this is now a totaled van. After pointing out the wrinkles in the seats from people, you know, sitting there. After deducting who knows how much for signs of hands on the armrests and steering wheel. After letting me know in no uncertain terms that there is a policy for museum quality vehicles. It occurred to me that I had one of the middle seats home and perfectly safe in my garage. (Remember the camporee?)
In the spirit of obsessive attention to meaningless details I asked, since they were deducting for every other thing that might be found in a seven year old van, how much would they reimburse me if I brought them this perfectly fine, undamaged seat. Surely a hundred bucks or so? Oh, no. They said their adjuster didn't count the missing seat. (Not buying that.) Then, best of all, they said I was lucky because, if the seat had been there, he would have made deductions for the condition of the seat.
Like I say, Flo's OK. But Progressive is maybe the worst company on the face of the earth. Do stay away. Or refuse to allow the police to call for towing until you've had a chance to hire an on-site detailer to fix things up a bit. It's a small club, but Progressive has made my tally of evil in the world.
COLORADO -- On May 29, 2017 at 9 pm, my husband hit a deer driving in the middle of Kansas. The night of the accident he called to file the claim even though when the airbag deployed it hit his head and he wasn't feeling very good. When the claims person got on the phone all he said was, "Well, looks like you are not covered. Have a nice night." and hung up on him. My husband was left stranded with a total car 5 hours from home.
Since the accident he and I have both called Progressive to solve why they are claiming our car, which still have a loan, would not have comprehensive and collision when we requested it when we signed up. All of the countless RUDE Progressive people have told us is that we denied it and they have our signatures. When asking for proof and a copy of said signatures, the then VERY RUDE Progressive people say, "Oh well actually we don't need signatures if you accept the Declarations page and start making payments. That is the binding contract." Hmm. Well then how come you say you have our signature?
My husband filed complaint with the Colorado State Insurance Board, who supposedly is on the side of the people, did not help at all. Progressive sent a letter yet again saying they have our signatures and the Colorado State Board just listed to them. My husband died yet again to get said "signatures" from Progressive and prove they are lying but we still have not seen them. The Colorado State Board will only side with the Insurance company so don't go to them for help. We are still searching for ways to fight the denial of our claim and will do anything to prove how awful this company is and to spread our story to help others from being in such a horrible situation.
LOS ANGELES, CALIFORNIA -- We had commercial insurance policy with United Financial Casualty Company (Progressive) for more than 1 year. Always paid in time and in advance. All was good until accident happened. One of our truck collided in another truck due front tire blow out. We reported about this accident to Progressive. We have declarations page signed by Progressive confirms coverage for that truck. Accident happened May 22, 2017 and declarations page stated we have coverage for that truck effective May 18, 2017.
Then Progressive started argue that changed to policy was did by agent after accident. We informed their agent in time, two times May 16 and May 18 about that truck and agent told that everything ok. Progressive stated that truck was added after accident, but we have declarations page stated coverage for that truck effective May 18. And Progressive charged us regarding that declarations page and that effective date in declarations page - May 18, 2017. For now, Progressive "investigate" our claim for 5 months and looking for any reason don't to pay for our claim.
Bought auto insurance from Progressive on 7-15-2017. Funds were taken from my checking on 7-16-17. I canceled on 7/16/17. Refund will not be processed until 7-27-17 and check will be mailed to me! It is a scam to keep your funds for a while to obtain more interest. All they have to do is reverse the charges or issue a refund right back to my card. They said it takes so long to make sure funds are being honored by the bank, of course it will be honored, it's on a debit card, not a paper check from me! Never again. Plus I found auto insurance through GEICO for $200 less.
DORAL, FLORIDA -- I took my car to get a service and treatment after the hurricane as my car was floated. They were supposed to clean my car, dry it put antibacterial and some other service. They ended up returning me the car almost as it was from the beginning. Super dirty and smelling bad. They didn't do anything as it was supposed.
KANEOHE, HAWAII -- Progressive is the most criminal insurance company I have ever used. Let's start from the beginning... I was in search of a new vehicle since my current commute car was on its last leg. Being a Progressive customer already, I figured I'd continue to use them for the new vehicle. When I was quoted twice the amount (Full Coverage) I was currently paying (Liability on a 13 yr old vehicle) I figured I'd shop around. Geico offered the exact same coverage as Progressive for the same cost as my previous liability policy through Progressive. I thought "Great! Ill be switching right away".
I quickly signed up with Geico and called Progressive to cancel… That's when it all started. The Progressive agent asked what she could do for me and I stated that I'd like to cancel my current policy. She asked why and I explained that I was switching to Geico. I was told that I needed to be transferred to the “Cancellation” department. The new agent began to tell me that she would be unable to cancel the policy due to it being updated. She then proceeded to tell me that I shouldn't call back tomorrow “at this time” because it will be updating again.
Huge red flags went up as the agent didn't give me a time frame in which the account could be updating. It felt more like the agent was aware that this was a convenient time for me to call and was instructed to tell people that they needed to call back at a different time. I asked for her supervisor… When the supervisor got on the phone I asked why the agent would feed me a line of garbage like that. Being in IT I know they have software capable of doing all kinds of nifty tricks so a simple cancellation (regardless if it's “updating”) is an extremely easy task.
She stated that the agent should not have told me that incorrect information and that she would personally handle the cancellation and follow up with an email the following day. That day came and went with no email, no phone call, nothing. Two days had gone by so I figured it was up to me to follow up with the company. When the agent got on the phone they asked for my name and what they could do for me. I gave a brief explanation of what was going on and asked for his supervisor's supervisor. He said he could process the cancellation but I told him that this issue is ongoing and that I've been told that once before.
When his supervisor got on the phone I again explained the situation and was told that for some reason the other supervisor was unable to process the cancellation when I called in two days ago. I got kind of upset at this point and demanded that I speak to her supervisor (two levels above the normal agents) which took almost 20 minutes. When he got on the phone, he asked what he could do for me and I started explaining the situation. I asked him to review the recorded calls from earlier in the week to get up to speed but he told me he could see that notes in the account.
I asked why my policy was still active when I requested to have it cancelled two days ago. He stated that he would be unable to give me the reason why it wasn't cancelled. I said "that's **" because if my card was declined, they would cancel my coverage until they got their money. So why is it that when the table is turned and I don't need their coverage anymore, they won't just cancel? He started asking what I wanted him to do to make this right. I made unrealistic demands as there's no way they can make this right.
At this point it's not about money, It's about the fact that Progressive as a company does not hold their employees or management accountable for customer commitments. I then asked for an email stating that the policy had been cancelled but was then told that it would be automatically sent by the system after it has been processed in two days.
I then asked for a simple email from this upper management supervisor stating that we had the call and that I requested the account be cancelled. He said that the email content I was requesting was not possible!!! I will never trust this insurance company again and advise EVERYONE to use anyone but Progressive. I wouldn't even with this coverage on my worst enemy…
WILMINGTON, NORTH CAROLINA -- DO NOT BUY PROGRESSIVE INSURANCE for your RV, Boat, and possibly for any other vehicle. I had a full coverage “stated value” policy for over ten years. I paid extra (around $500 yearly) to cover the RV for a value of $19,000. Then I had ONE claim this year due to a windstorm ripping off the roof, a roof on a much newer RV beside mine, and a large oak limb behind it.
Right from the beginning on the phone the adjuster talked like he had already made up his mind that he would find an “exclusion” in the policy to deny my claim. Sure enough, he looked at the RV for 5 minutes, took some pictures, and proceeded to tell me that the roof was old and damage was due to “wear and tear” and thus, not covered. They would not even offer to cover a portion of the damage even though it was CLEARLY due to high wind and rain, not age.
I continue to complain to management, the BBB, the state insurance division, and others. But Progressive continues to come up with excuses for their position. There are only two excuses: Greed, The policy is worthless.
Of course the roof had a little age. It is a 1992 Winnebago. They knew the age of the roof, yet GLADLY took the high premiums every year. The point is, their “exclusions page” deep in the policy is MUCH longer than the coverage page and is purposely written vaguely to give them MANY ways to DENY YOUR CLAIM. I am not the first to discover this. Many thousands before have complained too, but they do not care. DO NOT BUY PROGRESSIVE INSURANCE. DO NOT BUY PROGRESSIVE INSURANCE.