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Sent to Collections 6 Months After Cancelling My Policy
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

RUSTON, WASHINGTON -- Just sending out a warning about what a terrible company Progressive is for Auto Insurance and how unfair you can expect to be treated. Sure, their TV ads are cute and funny and their premiums are about as cheap. I used them for about three years and thankfully only had to use them for one very minor car repair, which they handled so poorly, I cannot imagine what a nightmare it would have been if it was serious accident.

Their customer service is the worst I've ever experienced. And every phone call left me frustrated and with a disdain for the company after they kept me on the phone for up to an hour each call and pass me off from agent to agent, each asking for all my info before they could talk to me.

Here's the deal. I had a policy for myself, my wife and son for about 3 years with Progressive and never had a problem, no accidents, one speeding ticket for my wife, no need for insurance and I always paid 6 months in full to get the top discount, pretty safe risk for an insurance company, I would think. Someone in a truck with a trailer hitch backed into my wife's Audi in a parking lot and did about $1700 damage her car, hit and run style. Not that big of a deal. We paid our $500 deductible and had it fixed, the shop handled all of it.

About a year later our renewal came up and our policy had increased about $1200 more for 6 months (I always pay 6 months premium in full), I assumed this must be a mistake. When I call to question the increase, they say because of the accident that shows on our record. I explained that it's not a traffic accident, someone bumped our car in a parking lot. Because of the increase in premium I choose to shop for cheaper insurance, which we found and we changed companies.

We continued to receive letters stating that our insurance was going to be canceled, I called before the policy date to tell them I was not renewing my policy and to cancel my policy. They continued to send me letters stating that if I didn't pay my policy would be canceled. After the cancellation date they continued to send me statements and each time they would be billing me for coverage, I would call them to tell them that they can canceled me, and that I had canceled and that they need to stop sending me statements and stop harassing me.

They insisted that they have not canceled my policy and that they had been covering me all this time even though I had not paid. Eventually, they said the only way they could settle it was if I could send them a statement from my new insurance policy showing that I was covered after my policy with Progressive had ended. I scanned and emailed that to the proper person and did not hear anything until today almost a year later from a collections company for Progressive for 6 months premium.

I know I don't owe them a dime and I know I hold the cards here. As long as they continue to harass me I will be spreading my message to as many people as will possibly listen. STAY CLEAR OF PROGRESSIVE INSURANCE. They will suck your time and frustrate the hell out of you.

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I Can't Ride Without Feeling Unsafe Because of This
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

"SANTA ROSA" -- Nov. 20, 2015 I was struck by a car after I changed lanes to go around a bus with good faith after looking in my mirror and over my shoulder twice. I was struck by a woman who said on scene that she was in the lane I changed from and she had been behind me, but later would change her story after she called me to extort money and that didn't work. On scene there was a 'witness' who saw nothing but her getting out of her car to yell at me while I was still pinned down, and from that he concluded that I was negligent.

He did not tell me this though, even hearing me express that I did not believe I was at fault. He felt no moral responsibility to have the police come so this to be settled, instead he convinced me that I could be seriously injured and that I should go to the hospital as soon as possible. I saw the nurse practitioner at my college and then called to file my claim. The agent I was connected with instantly treated me like a criminal after he confirmed I was a cyclist.

After this I would send him my photos of my injuries and the damage to both our vehicles and I would rarely and not in a timely fashion receive a response back from him. I would because of this find out he was not local, he is in another part of the state, and I asked at one point if there was a local representative I could work with, but he blew me off and I could never get in contact with him. He would send me emails or leave me voicemails to say he was working on my case but not respond to me.

Almost a month after being struck I received a very suspicious voicemail from him saying simple something to the point of "There has been a decision on your claim". I would then call him and not receive an answer, and in his own time he would get back to me to say that he had decided I was completely at fault. He gave me no physical explanation as to how I was at fault, he rejected my every question as to what he had done to back this up, only answering that "It doesn't matter" for what my photos and the bus video would say. He had taken statements from the 'witness' and the woman who struck me and based on their testimony I was 100% at fault.

I said that I would accept fault if I was at fault, because it's the right thing to do, but did not offer me anything to say I had done something wrong. He reached the peak of belittling by shushing me and say this to me: "Think about this for a second; if you hadn't been there, would there have been an accident?" After having a panic attack I emailed him to say I wanted information on how to file an appeal. He would not respond to me for days to eventually say he had made his decision and he would not give me anything but a printed copy of my own statement.

This never came and the period of appeal ended, and there's nothing I can do about it now with only my photos of the crash and no evidence of correspondence between him and I (as I cannot find the emails anymore and he would not give me copies of our recorded phone conversations). Do not go to this company, because no one could act like this. There was not a climate behind him fostering that kind of behavior, and everyone deserves to be treated like a paying customer, let alone a person.

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Car Accident
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

CHATTANOOGA, TENNESSEE -- I just want to let people know to stay away from Progressive Insurance Company, they are one of the worst companies I have ever dealt with. In September of 2018 I was rear ended by a woman with Progressive Insurance and suffered a minor neck injury and went to the E.R. I was having choking sensations and difficulty swallowing because my neck was beginning to swell. A few days later after Progressive contacted me and accused me of being in the wrong even though they had the police report. This is a pattern with their company as I later found out after talking with another person who has dealt with them. They immediately offered me $800.00 and to pay my medical bills. Paying your medical bills is a requirement by law.

When we picked up our car and took it to the repair shop, the repair people said they could not repair our car unless we went through our insurance company because he no longer deals with Progressive due to the fact that they refuse to do repairs correctly and then do not pay in a timely manner. He said he often waits months for them to pay for repairs or has to argue to get his money at all. I went with his advice because I trust him, he has a great reputation and warranties his repairs which is another reason he said he would not deal with Progressive. He believes your car should be fixed back correctly and safely and he said Progressive would rather cut corners than care about what happens to their own customers or those that have claims against them.

In dealing with the medical part of this I was told, and I quote "It was just a soft tissue injury". This soft tissue injury took about four months to heal and included me doing exercises given to me by my doctor. After all this time I just wanted a settlement equal to my medical bills instead I have been told that is impossible because they have to pay back my insurance company for the medical bills and repair costs.

Remember when I said that blaming the injured was a pattern. My friend that lives several states away had his car totaled when a Progressive customer passed out and hit his parked car. Progressive called him and said they would not pay a dime for his car as it was parked illegally (it was in his driveway). When told that the police report said nothing about it being illegally parked Progressive balked and said they still would not pay. Only after several days of back and forth did they finally pay for the car. I know that Flo and her commercials are pretty cute but as cute as their commercials are their company is not. I would like to know if their claims adjusters make commission on being rude and cheating people out of what is fair, or if they even have a soul.

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Fraudulent Practices
StarStarStarEmpty StarEmpty StarBy -
Rating: 3/51

Progressive Insurance runs an interesting scam. If you are at a dealership purchasing or leasing a vehicle at a dealership and already have a policy, especially it is an existing policy and if you have been a long time customer.

An acquaintance of mine gave me the details. His scenario was he was looking to lease a vehicle due to his former vehicle being totaled the prior day. So he heads to a Toyota Dealership to lease a new Camry.. Everything is going smoothly until he calls Progressive to get this new Camry added to his existing policy. First Progressive Insurance claimed they could not add his vehicle to his existing policy and he needed to be written a new one. He confronted them asking them why...Then all of a sudden Progressive claimed their system was down for maintenance and they can only write him a new policy . Needing insurance he had no choice but to get insurance If he was able to add his new Camry to his existing policy he would have saved over 100 dollars...this info was obtained by a source he knew within the industry which he consulted after his experience. His source also told him there is a universal system which calculates rates and all companies conform to that system, and the way that the system works is once a rate for an individual has been established the system will not allow for that rate to go below that number unless certain parameters change like buying an older vehicle paid in full. Even at that a threshhold will be set and the insurance will go no lower despite any stellar driving history or such.

According to his source within the industry this was a scam that was concocted at the executive level at Progressive Insurance. The other part of the scam was crediting a portion of his older policy towards his newer policy to make it seem like he got a deal on his newer policy while not informing him of such. This particular tactic is done for three months then Progressive sends you a new policy with new cards indicating a rate change and notifying you of the credit from the older policy at that time. In fact according to his industry source this is starting to become a common practice amongst all providers.

By the way if Progressive ever reads this and tries to deny the events ever taking place. I will use a famous sports saying/ and or quote: "The Tape Don't Lie."

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I Will Not Go With This Company
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

EULESS, TEXAS -- I spoke with "Robin" in order to set up auto insurance and she was very rude. It made me change my mind about going with Progressive. She was basically very sarcastic and treated me like I was incompetent. I am a student, I've never had auto insurance before and she basically read from a script. She didn't care at all about wanting to help me get auto insurance.

Every time I asked a question she was rude and sarcastic. All she wanted was the sale, didn't care that I was not knowledgeable at all about auto insurance and that I have never had it under my own name. Too bad I was not able to do a customer survey on her. I tried calling back to get another person's help but I believe she answered the phone again. So, because of her I will not be going with this company with people like that working for them. Progressive probably has really good deals but it means nothing with poor customer service.

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Excessive Cost, Unfair treatment
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

NORTH CAROLINA -- The reason that I canceled my insurance with Progressive was due to excessive cost. I paid them $283 for the 2 months that I was with them. Now they are telling me that I owe $647 more. There is no way that 2 months of insurance can cost almost $1000!!! I only had insurance with Progressive from March until May of this year 2014. $283 is plenty for 2 months of insurance.

I will not pay another dime. They took it upon themselves to add my daughter to the policy, without my permission, who has been married and out of my house for a year now. She got married on 6/15/2013 and even if she wasn't, $283 is still plenty for 2 months of insurance. I tried to explain this to them, but it fell on deaf ears. I called them and personally spoke to them to try to explain this, but they wanted me to prove it. This is unreal, I have never had to prove to any other insurance company the persons who lived in my household.

It would have been very easy for them to verify her address with the post office and see that it is different than mine. I would venture to say that there is not a single employee at Progressive that would pay $1000 for 2 months of insurance. But, they have the arrogance as to try to force me to. They have turned me in to Credit Collections Services and are ruining my credit unjustly.

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Dishonest Company
By -

SOUTH PORTLAND, MAINE -- I had been a Progressive Auto Insurance customer for over eight years, with NO incidents, when one of my custom antique cars was vandalized in my own driveway. I called the police that night, they had me fill out a report, found evidence of someone else at the scene, and informed me that there had been similar vandalism in the area, suggesting that this was not an isolated event.

The following morning I called Progressive, and informed them of the situation. They finally sent an adjuster out three days later to look at my vehicle. Right away I had a bad feeling about the whole situation with the insurance company, as the adjuster knew nothing about antique cars, and didn't seem to have a whole lot of knowledge of automobiles in general.

He informed me that I should get together any receipts I had for work on my vehicle, and he would try to locate replacement parts. The whole time the adjuster was there, he never seemed completely attentive, as he was too busy complaining that Progressive only provided them with 2.0 megapixel digital cameras, and they took horrible photos.

So I collected all the receipts I had for the vehicle, and in the meantime, the adjuster called me asking for photos of the vehicle before the vandalism, and also stated that he could not find certain parts for the vehicle. Along with the receipts, I included original photos of the car, and I was also able to locate companies that produced the parts that he could not find, and passed the information along to him. One week later I heard back from Progressive, and they told me they wanted me to come in to their office, and in a meeting, provide them with more information to help with the investigation of who did this to my vehicle.

Was I in for a surprise. The meeting started out innocent enough, the Progressive "investigator" asked me some basic questions about the car, and if I had any "enemies" that would want to do this. I told him no, and pointed him to the police remarks that there were other incidents involving the same "tags" and type of damage.

Ignoring this, he went on to inform me that 'he knew nothing about cars,' but then proceeded to grill me on the custom details of my car. In an hour long tirade, he told me that he thought the receipts I provided were fake, and that this custom work was not done to the car. I challenged him over and over again to go see the car for himself, I had nothing to hide. You could plainly see the modifications that were done.

When he realized that he was either going to have to go see the car for himself, or come up with a different way to accuse me of fraud, he did just that. He then began passively accusing me of vandalizing the car myself to collect the insurance money, and also accused friends of mine that had helped me with the vehicle over the years.

At this point I was completely flustered. I originally thought I was meeting with them/him to give as much information as I could in hopes that we could find the person or people that did this, and instead I was accused of the act myself! I didn't even know what to say, as he wasn't listening to anything I said, wasn't acknowledging the physical work done to the car that you could plainly see, and was ignoring what the police had to say on the matter.

They clearly lied about what the meeting was about, and I clearly should have showed up with a lawyer at my side (you don't think about these things when you believe you're just going over your policy with the company). As a side note, after I collected all the receipts I had for the vehicle, I realized I had under-insured it, however they also accused me of insuring it for more than what it was worth.

So the meeting comes to an end, and the investigator is demanding information that I don't even know that I can provide. We are a non-title state with antique autos, and he is demanding the original bill of sale, the name of the person I bought it from (YEARS AND YEARS before this happened), along with a plethora of paperwork that is going to keep me busy for weeks.

In the meantime, the adjuster is ignoring parts information that I have submitted to him, and is instead making UNDER-estimates of what he believes parts will cost, along with stating that he believes my $5,000+ base/clear paint job that I provided receipts for, is now only a $900 single-stage paint job from Maaco. I even tried to help them out when they estimated that it would cost $1,500 to fix my damaged hood, and I told him that it could be replaced with a new one for $400-$500.

So while they were enacting all their scare tactics, and trying to devalue my vehicle, they kept probing me for more information. Every time I would provide them with more paperwork/information, they would ask for something else, over and over and over again.I will admit that I was very inexperienced in this area, as I had never had to deal with an insurance company before, and I will also admit that I was outraged at their accusations, and was stubborn about the issue. I was completely innocent, and I refused to hire a lawyer because of that fact.

Progressive had three workers on my case, and while the three of them continued to ask for information, dragging the length of the case out, not one of them verbally, or in writing, informed me that they only had 60 days from the incident to make a decision on my case (I have since found out this is illegal). One day I received a message on my phone from one of the workers, stating that I had denied them information they asked for, and that they had been forced to make a decision without all the required information, and that they were denying my claim.

I made one last call to find out what was going on, and it appeared to me that they had "mis-placed" (*wink-wink-nudge-nudge*) information that I had given them about my vehicle. I broke down and cried. I had spent close to five years, and the equivalent of one whole year of pay, restoring this vehicle. I thought I had done the right thing, insuring this vehicle with a company I had been with for years. At this point in time, my nerves were shot, and my emotions were all over the place with what I had just been put through with this company, that I didn't even know what to do. I wanted to be done with them, and that's all I cared about.

I wanted to talk about what happened with me, so that people could [hopefully] see what this company is about. I was attracted to them by their cheap rates, lulled into a false sense of security with their commercials, and I will admit, friendly phone-reps. But when it came time for them to pay on a legitimate policy, with an eight-year-loyal customer, they were not the company they claimed to be all those years.

I have since spoken with many ex-customers of Progressive, and have also spoken with many garages, body-shops, and even insurance underwriters that refuse to do business with Progressive due to their reputation; a reputation that is unfortunately not well known to the general public. Avoid Progressive, and if you ever find yourself in this kind of situation, swallow your pride and hire a lawyer.

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Stay away from progressive
By -

I didn't know this web site existed until I was looking online for a way to get help with a progressive claim. Wish I saw it and all the complaints earlier. May have saved my family a big headache. Last June my parents bought a brand new 31 foot motor home. My dad worked his whole life and scrimped and saved for this motor home for use in his retirement.

My parents used the motor home three times in the past year for a total of 11 days. The motor home had a total of 800 miles on it. About five weeks ago my dad was taking the motor home in to have it de-winterized so he could use it to go camping when he was in a chain reaction accident. My father was stopped in a traffic jam when someone came speeding up from the rear at a very high rate of speed. The car hit 1 car which skid into a second car, which skid into the rear of the motor home. The motor home was heavy enough to stop the forward progress of the accident, but it suffered quite a bit of damage.

My father called his insurance company, Progressive, and has had nothing but problems. First The person who caused the accident has the lowest policy allowed by law $10,000/$50,000, but it should be no problem as my parent carry under insured motorist. That's where we were wrong.

Progressive required my parents to take the motor home to a certain shop to have the work done. I believe this is illegal, but my parents did it. The adjuster came out and said there was about $5000 worth of damage. According to the repair shop there is a lot more than that. The frame is bent in one place, and broken in another. I think this should warrant totaling the motor home and replacing it, but they say it can be fixed.

Then the adjuster told my parents some of the damage was done prior to the accident and they would not pay for it. Remember this was a brand new motor home. The whole body is so out of whack the doors and cupboards will not close. They said it wasn't leaking, the refrigerator was leaking. It had been winterized and was in storage for the 5 months before, the refrigerator was off and cleaned out, there was nothing to leak.

Now, five weeks later the motor home is still sitting at the repair facility and progressive will not allow the work to be done. The only thing I can figure is progressive wants to keep the claim below the 10,000 the other insurance company will pay. One of the other people in the accident was a friend of the family. Their insurance company had their car totaled, and a check in their hand five days after the accident. Progressive is stalling hoping to get my elderly parents to agree with everything they say and sign off on the lower amount. If at all possible stay away from progressive and save yourself lots of headaches.

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Progressive Insurance Overcharges on Premium
By -

MAYFIELD VILLAGE, OHIO -- On 07/26/04 my husband and I switched from our former insurance company to Progressive Insurance for our two vehicles because our former company kept raising our rates even though we both have perfect driving records. Today, 08/20/04 we received a phone call from Royce at Progressive Insurance to "verify" our information. We didn't understand this since the policy had already been issued almost a month ago but I went along with him and verified our address and employment information.

During the course of this phone call, our zip code was verified and was found to be incorrect for our street address. Our city has three zip codes differing only by the last digit, and our zip code is for the suburban area. We were listed in the zip code for the downtown area of the city and when I corrected the zip code, I was informed by Royce that our insurance premium would be increased by $39.00 beginning next month because of our zip code. I asked why and I was told that it is because insurance rates are determined by zip code and that statistics show that there are more "problems" in our zip code.

I questioned this since we live in an upscale area of town and the subdivision that we live in has almost no crime at all, no thefts, vandalism, etc. but the downtown zip code that we were listed in has a high crime rate including drugs, burglaries, vandalism, theft, car accidents, etc. and chances are that your vehicle will be broken into, vandalized, or stolen are a great deal higher in the downtown area. The newspaper for our town has a daily log of police reports and most all of them are in the downtown zip code where we were incorrectly listed as residing.

I asked to speak to a supervisor and was put on hold. After five minutes, Royce came back on the line and stated that he talked it over with his supervisor and our rates wouldn't be raised "this term" but the next six month term the higher rates would be in effect. I stated that we feel that we are being penalized for living in a nice area and he denied that and said that he was sorry that we felt that way but we have to pay the higher rate.

I said, "Let me get this straight. If we live in a nice, crime free area where people are very careful with their own and everyone else's vehicles, we have to pay $39.00 more than if we lived in an area where daily occurrences of theft, vandalism, and drugs are rampant and where most car accidents occur?" He stated that is correct. I told him that I wanted to talk to someone that could explain this method of pricing car insurance premiums to me because I didn't understand how rating a nicer area for higher premiums made any sense.

He refused to let me talk to anyone else, told me to have a nice day, thanks for choosing Progressive Insurance and hung up on me. In addition to the rudeness of the representative, it appears to us that we are being penalized because we live in a nice area and the insurance company obviously thinks that we have money so we get ripped off in this manner of discrimination. We are not rich, my husband is the only one in our household that is employed since my job was moved overseas and now I am a full-time college student.

We don't have extra money, and are struggling to pay the bills each month. We are middle age so we are not young drivers that are reckless. We will be shopping for a new insurance company that rates on your driving record, not your zip code. It is a good thing that we don't live in zip code 90210!

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Overall, I am satisfied after doing some extra probably unnecessary leg work
By -

I switched from American Family to Progressive in Sept 2010 because they have been my motorcycle insurance carrier for over 2 years and American Family decided they should be making more off me, which is totally understandable because my driving record is terrible. I just totaled my 2006 Chrysler Sebring Touring convertible about a week ago. I had a couple issues with my claim:

The first issue was Progressive had the wrong vehicle identification number. In 2008 I totaled an identical Sebring convertible and American Family never updated the vin on their files. So for over 2 years they had been covering a car that I hadn't owned. When I switched to Progressive I gave them the VIN off my American Family policy. Yes, it should have been correct on my AMFAM cards and policy, but I should have checked it.

So after I made my claim, Progressive and I fought for 2 days about my current Sebring having been a prior salvage already. Once the adjuster went out to see the car we all discovered the VINs didn't match. My former agent from AMFAM stepped up and took responsibility for the mistaken VIN. Thank you American Family, sincerely.

The second issue is they offered me a serious low-ball on the value of my car. I meticulously maintain my vehicles. They are spotless inside and out. No major paint defects or dents, no engine lights, no issues ever. The adjuster commented on how beautifully maintained he could tell my car was before the accident. They offered me $8200 after the deductible. I had a $500 Python remote/alarm system and $500 aftermarket heated seats.

The "inferno red pearl coat" color was also an additional cost over the other colors. It had 1 year old tires as well. And there was also a 100k mile extended warranty and the car had 68k miles on it. Of course I have no receipts to prove any of the aftermarket stuff or even the tires. Lesson learned. DO YOUR RESEARCH and KEEP ALL YOUR OLD DOCUMENTS AND RECEIPTS when you're making a claim.

I ended up getting just over $10,000 after fighting with my representative and showing him five comparable vehicles nationwide and speaking with his supervisor. He tried to tell me that my car was selling for $4400. I found that car he was talking about and checked the VIN to find out it was a salvage, it absolutely did not compare.

Red Sebrings in the trim level lower than mine with cloth seats, no new tires, no warranty, no spoiler, no heated seats, no remote starter, and higher miles were going for $9,900 on sites like autotrader.com. My representative's supervisor agreed to a $9,000 base price with 50% of my remote start cost and heated seat cost plus tax, license, and transfer fees.

Overall I am happy enough though I feel I put in way more effort than I should have had to. I now hate that I do not have a direct agent to speak to, you're assigned a representative when you make a claim. If I could afford moving back to American Family, I would. I will be looking for a new insurance company for my new car and my motorcycle.

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Progressive Auto Insurance Auto Insurance Rating:
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1.3 out of 5, based on 46 ratings and
99 reviews & complaints.
Contact Information:
Progressive Auto Insurance
6300 Wilson Mills Road
Mayfield Village, OH 44143
440-461-5000 (ph)
www.progressive.com
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