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Really really dissappointing experience
Posted by GB on 09/23/2004
FREMONT, CALIFORNIA -- I have to start by saying that I had 2 points on my driving record. Simple violations such as not stopping long enough at a Stop sign and a car pool lane violation. I was with AAA at that time paying close to $3500 per year for two cars, so I decided to switch to progressive. The reason is I got a quote for about $2500 from them. But, for some reason or the other the premium went up periodically over 6 months and I was paying close to $4K. When both of my points came off, I requested them to rewrite it, they refused to do it for another 5 months based on some wierd rules. I finally had enough and came back to AAA who welcomed me back with open arms. Now, I pay close to 1900 with them. Now, progressive is still charging me some more money and a $50 cancellation fee. I would never ever go to them for Auto insurance ever again.

This is the worst money sink I have ever had. They would rather lose me as a client than to restrucure my deal when my points went off.

     
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Posted by melissa.messner.ni1q on 2004-09-24:
As an agent in Michigan, I deal with clients with tickets daily. I want to let you know it's not some "weird rule" Progressive has; all insurance companies will surcharge for tickets until the end of your policy period. ALL companies do this. Had you stayed with AAA, they would've done the same thing. Companies do not rewrite a policy when points fall off, they wait until your renewal policy. I can understand your frustration, I see it everyday in my office myself. One question I had, is it common in California for ins companies to charge a cancellation fee?? This is something I've never heard of; in Michigan if someone cancels, you just cancel. They may have to charge you additional premium depending on the day you cancelled and how far you had been paid up to, that I understand. But a cancellation fee? Rules are different from state to state, that's just something I had never heard of.
Posted by sanford31031 on 2004-09-24:
I am an Agent in Georgia, and the same rule applies here. Melissa is definitely correct. A policy is not rewritten for aging of points or accidents. Insurance companies will reunderwrite at renewal. When you have an accident or obtain a ticket, you aren't surcharged until your next renewal anyway, not the day after.
Posted by Aember24 on 2004-09-24:
I am also an insurance agent in Georgia,Hi there sanford...and all I can really add to these comments is think of it this way if you had an ticket or accident in the middle of your premium we would not add the surcharge until renewal same rules apply when it is removed
Posted by sanford31031 on 2004-09-24:
Progressive is the only company that I know of that charges a cancellation fee. I like that idea a lot. I've tried getting the CO. I work for to implement it, atleast for the first 6 months. Unless of course, we did something wrong, like misquoting. Too many people start an Insurance policy while they are at the dealership just to pacify the dealer and then call to cancel later. That's wasting everybody involves time and causing us to send unneccessary paperwork.
Posted by J.R.W. on 2004-09-26:
I work for GMAC Insurance, and there is a fee for both dishonored payments AND cancellations. The state you live in also plays a part. Some states you must cancel "pro" rate, and other states you can cancel "short" rate. The individual state's DOI says if an insurance company can allow this or not to take place. Progressive is not the only company who does this, many of them do. The cancellation fee can usually range from $25 to $50.

Some insurance companies will also turn you in for not making a payment to credit collectors. At GMAC, we do not. A lot of it depends on the individual ins company, in terms of how they handle things.
Posted by Warangel on 2006-09-23:
Well I will never do business with them again. I had Progressive for more than three years. I had full coverage on my car with only $250 deductible. I have NEVER had a ticket nor an accident until July of this year. While at the car wash I backed into a pole doing damage to my rear bumper cover (Mustang)The pole totally destroyed the cover on the car. I called my Insurance agent and he said he would get someone right on it. Two days and they showed up, not bad service at all. Now comes the real rub. The KID that progressive sent to do the claim stated that the damage could be fixed in two shop hours and that he would be nice enough to allow three hours to fix it. He then spent about two minutes looking at the car and argeed that the bumper cover was damaged however he felt that just a quick paint job would fix it up. Wrong! You could see the cracks in the fiber glass even from the backside. I live in the country and the town I live in is only about 10k people. The reason I say this is that the kid tells me he will set the cost of this on prices in a larger city 150 miles away. Uh....parts and labor cost more in country areas due to shipping and higher labor costs. Any way Progressive sends me a check for $21.00 that twenty one dollars. My next bill was then raised $10 PER MONTH due to the claim. I didn't even question this form of insanity I just took the $21 and paid for the damage myself. I sent a letter to Progressive and dropped their butt and went with American Family which saved me right at $1000 per year for the same coverage. Progressive is really two faced as to what they say they will do and what they in truth will do.I would not recommend this company to anyone.
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NEVER USE PROGRESSIVE...THEY ARE A RIP OFF!
Posted by ALC on 01/29/2007
ATLANTA, GEORGIA -- I purchased Progressive insurance in Sept.2006 and was pissed when my insurance when from $330.00 per month to $440.00 simply because I changed my address. I cancelled my policy online (which they claim that they didn't receive). I received another statement stated I owed $463.96 for the remaining balance, after I cancelled my policy. I called them and they basically told me that my insurance went up $330.00 for the address change(the move was not even a mile from each other). Now understand that the zip code DID NOT CHANGE. And then they tacked on another $106.00 because they claim they didn't receive my home owners info nor my previous insurance holder information, when all that information had been faxed to them a week after I accquired Progressive insurance in Sept.2006. I spoke with a representative, who tried to explain it to me, but still sounded like a bunch of BS to me. I told him is will be a cold cold day in hell before I pay this, simply because of an address change..... THIS COMPANY IS FULL OF &*#% and I would recommend that NO ONE accquire PORGRESSIVE INSURANCE, THE RIP-OFF INSURANCE COMPANY!
     
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Posted by Gando on 2007-01-29:
I hate the tv commercials for Progressive. They always ends with that song with the lyrics that go "this is how life should be"
how should life be? living hell with a horrible insurance company?
Posted by Hugh_Jorgen on 2007-01-29:
If you moved into an area with a high level of claims for Progressive, it's possible to have a huge hike in rates for a move of a mile or so. Just shop around until you find a better rate.
Posted by Anonymous on 2007-01-29:
Does Progressive offer free pie and chips?
Posted by lepearso on 2007-01-31:
Nothing beats dealing with a hometown agent that you know by name, even if it means paying a little more.
Posted by Jay04 on 2007-06-22:
Same thing happend to me! We didn't even move that far and they still charged us and extra 15 dollars a month.
Posted by Jennygrrl on 2009-03-17:
Your garaging zip code is a rating factor. Sorry I would rather pay for where my vehicle is garaged than pay a blind blanket price. Its not fair to think that people in one zip code should pay the same as another zip code! locations are different
Posted by Insurnace Company (local) on 2012-10-16:
agents built these crooks, and they have done nothing but steal from us, they cut our commisions, don't pay claims properly and then after all we did for them they try to push us out by selling online and putting us out of business. Buyer beware, if you buy progressive better have a good attorney on speed dial when something goes wrong.
Posted by Slimjim on 2012-10-16:
To insurance agent..So they were good enough for you to sell their policies until they changed their marketing huh?
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Progressive vs. the innocent pregnant lady and her unborn child
Posted by Progressive is USELESS on 09/01/2009
At 6 months pregnant I was t-boned by a lady with Progressive car insurance. They immediately recognized her being at fault and they did give me a check for my car since it was TOTALED. However, the wreck caused me to start having contractions, bleeding, and shortened cervix. I was on strict bedrest for 3 months, on heavy drugs 24/7 to stop the labor, visit to the high risk Dr. on a weekly basis AND was in the hospital twice. After having a claims agent talking with me for 9 months during the bedrest and after the baby was born they immediately switched me to another agent once we submitted our medical claim! Progressive has said that since you can't prove the wreck caused it (I guess before being fine and after being in labor doesn't count) they are refusing to cover the mess their client caused in my life. We are probably going to be forced to file a civil lawsuit against the other driver! She wasted every dime on paying premiums to Progressive who is doing everything they can to screw the little innocent people.

Don't make the same mistake she did and get sucked in by the pretty ads. Progressive is just a money making machine that does nothing to protect their customers in the event of an accident. We should not have to be forced to sue the driver when she has insurance. I would be ashamed to be an employee of Progressive.
     
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Posted by Anonymous on 2009-09-02:
Progressive is doing what any insurance carrier will do, including your own. Pay out as little as possible.

Your lawyer will probably contact Progressive first and not the actual driver. Once Progressive hears from a lawyer, they may take the medical claim more seriously.

Also, be sure that when you accepted the check for the property damage, that you didn't sign anything waiving you rights to sue for medical injuries.
Posted by JR in Orlando on 2009-09-21:
How can you say: "Progressive is just a money making machine that does nothing to protect their customers in the event of an accident." Seems like they are doing everything in their power to protect that other lady their insured by NOT PAYING YOU. That's what I would want my insurance company to do. The reality is that she will be sued in name only, a settlement will be reached within the police limits, and the case will be settled. The other driver really has very little to do with this, since it is not a question of fault, but whether your medical problems were caused by the accident MEDICALLY, not speculation
Posted by buzzorn on 2013-06-06:
Progressive is not the only company with these types of practices. Geico insurance client hit my car causing left front fender damage. Geico refused to pay because they couldn't contact their client to get his side of the story. I sure could contact him and then he had my phone number blocked so I couldn't reach him. My insurance uninsured motorist had to be used to cover the $2,000 in damages.
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Auto accident/insurance
Posted by Randy on 06/15/2004
DULUTH, MINNESOTA -- We only had our policy with Progressive for 3 days and my wife hit a deer. I was reluctant about turning it in with such a new policy, but I ended up doing so anyway. The damage was about $1700. They interviewed my wife over the phone 3 times. Then they had her interviewed by their attorneys. Then they had us both interviewed by two of their attorneys and the claims adjuster. They were horribly rude and accusing. We are honest, hard working people who had an unfortunate accident. My wife reported the accident immediately, had a police report, and did everything she was supposed to do. They were happy to take our money, but when they were asked to do what they were paid to do, they backed-out. Terrible company and customer service.

We missed several hours of work playing their little 20 Questions games. We ended up paying for the damage ourselves but Progressive dragged it out long enough so they could get a couple more monthly payments out of us. Which were EXTREMELY expensive. They had us on high risk when we should not have been. We of course dropped them after they made their decision. We found another insurance company for almost $200 per month less!! Progressive Insurance is nothing but a bunch of thieves with a license to steal. Beware of this company! They will charge much more than they should and if you have an accident, they will do whatever they can to get out of paying. It's no wonder they have so much money to spend on advertising.

     
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Posted by melissa.messner.ni1q on 2004-06-15:
I can understand the initial round of questioning, it was, afterall, a brand spankin' new policy. However, with a police report, which shows the date the deer hit your car (we never hit deer in my opinion, they hit us) I can't believe they refused the claim. Did the Progressive agent have a chance to inspect the car prior to your taking out the policy, or did you take it out online? I'm an agent with State Farm, and I've had a couple accidents that happened within a short time of writing a policy for a client. I've never seen such a bad experience. Our claims reps will call me to see if I inspected the car for prior damage, and as long as I have, these claims go through, with the proper inspection of the vehicle, of course. With a deer claim too, I just don't know what to say about that. It's not like you claimed a hit & run, that I could understand some investigation. I hope you have better luck with your new company!!
Posted by melissa.messner.ni1q on 2004-06-15:
One other thing, I'm just wondering why they had you rated as high risk although you say you shouldn't have been. Did you let your old policy lapse? If so, that could also have led to the scrutiny they put you through for the claim.
Posted by terrapin8180 on 2004-06-15:
Hey thanks for the info I'm shopping for car insurance now and it will definetely will not be with Progressive. Has anyone heard anything bad about Nationwide?
Posted by sanford31031 on 2004-06-15:
I've never heard anything terrible about Nationwide but of course I'm sure you could do your research and find complaints about them, any insurance company as a matter of fact. Talk with your friends and see who their carriers are and if they've had any positive or negative experiences. Good Luck!
Posted by melissa.messner.ni1q on 2004-06-16:
terrapin, I'd of course recommend State Farm, but I'm a little biased. :) I've heard some pretty good things about Nationwide. Here in Michigan they're rates are a little high, but I don't know if that's true in every state. I also heard from a Nationwide that they're supposed to have a rate decrease here in MI, so that's good news.
Posted by sanford31031 on 2004-06-16:
Michigan is one of the worst states for insurance companies and the rates reflect it. Some people like having a personal agent they can talk to and others like the ease of phone service and being able to contact sometime anytime. It just depends on your preference!
Posted by terrapin8180 on 2004-06-16:
Thanks for all your advice guys :)
Posted by PeskyKittyButt on 2004-07-08:
PLEASE tell me your wife got a police report when this occurred. Otherwise, I can see why you were put through the wringer. The claims adjuster would be able to view the car (tell me also that she didn't have the car washed after the accident!) & tell the deer hair & blood was in the hood or bumper. Also, the dents in the car would tell the story too. Is there something you're not telling us?
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Auto Insurance
Posted by Cybermaster on 08/08/2007
MUSKOGEE, OKLAHOMA -- Just wanted to let you all know that if you currently have Insurance with Progressive, you should run.
I was a customer with Progressive, and called them to meet a quote I had gotten from another company. They were quick to turn me down and told me if I could get the rates I said, that I should do so. I immediately advised them that I would do just that, and they gave me a date my Insurance would expire. This guy I spoke with was an "IDIOT", and very rude. Since then, I have been turned over to the Credit Bureau for a balance of 280.00 that I did not owe. This was in 2004 and I still haven't paid because I called and canceled the Insurance, was told when it would stop, and then stabbed in the back.

PROGRESSIVE CARES NOTHING ABOUT YOU, BUT CARES ONLY ABOUT THE MONEY.
I have decided to give them their ill gotten gains and try to get them off my Credit Report, but will carry a 4x8 sign in the back of my pickup asking people to talk to me before signing with Progressive Insurance. I know this might seem small to some of you, but until you know what something like this can do to your financial responsibilities, you should walk in my shoes. Progressive is the worst Auto Insurance Company I have ever had the dis-pleasure to do business with. They can remove their negative feedback from me, and I will do the same. Until then, I WILL continue to harm them by word of mouth through my business (telecommunications), my wifes business (Beauty Shop), and any any other means I can.

Thanks for reading.
     
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Posted by tnchuck100 on 2007-08-08:
Hold the phone! If you truly don't owe it then don't pay it. Paying will not help your credit report. You are stuck with that for 7 years from the date of the last transaction.

File a dispute, in writing, with the credit bureaus.
Posted by Anonymous on 2007-08-08:
Absolutely don't send any money. Write a letter to the collection agency asking them to provide proof that you owe the $280. Send it certified with return receipt. That way they can't deny getting you letter. They have 30 from receipt to respond with proof. Until then they cannot hound you for the $280.
Posted by ZooVet726 on 2007-08-09:
When did you cancel the insurance? Had you already paid the premium for the month before? Maybe they were charging you because the month had already started.
Posted by GothicSmurf on 2007-08-30:
I dislike Progressive and other Compare here stores. Many of them quote the wrong prices from other companies. They don't inform the people that in order to obtain the quote they recieved there were too many things the person had to "qualify" for and that person never did.

I always hated getting the quoted calls from Progressive. "Well that's not what Progressive said you would charge me!"

You don't shop at Target to get Walmart's prices. Alright went off topic. Sorry.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Dropped me with inadequate notice after 15 years
Posted by Damienjon on 05/09/2013
PORTLAND, OREGON -- I have had Progressive Insurance since May 1998. My policy has been paid automatically for at least the last 10 years. Ive never had a claim with them and haven't had a ticket for 5-6 years. Last September they raised my rates 40% for no reason. When I called for an explanation, Progressive said that the entire state of Oregon will be raising insurance rates due to some new law. We then talked about lowering my rates by going "paperless" and prepaying a 6 month policy rather than paying every month. So I prepaid for 6 months and was content. Last Friday, 5/3/13 I was rear ended by an insured motorist. So I call my insurance company from the scene of the accident, file a report, receive a claim number, and waited to hear back. 4 days later I after leaving 4 messages with my Progressive "adjuster", she finally called me to tell me that I didn't have insurance with them anymore. That it expired on 4/2/2013 due to non payment of renewal. In 15 years I've never had to do anything to renew. Its always been automatic.

Then they proceed to tell me that 6 month policies don't automatically renew, and that I was supposed to call, mail, or pay online. Again, in 15 years I've never had to do this. AND, they even sent me new insurance cards good 3/2013-9/2013. They had an old email address on file so I didn't get the renewal emails. They never mailed or called me. ONLY email. All of the billing information they had from me was current, all they had to do was charge me. I had no idea that I didn't have insurance. Never had a lapse in all of the time I had them. So then I asked them if I reinstated my policy if they could still help me. The other insurance company of the guy that hit me is taking 100% liability, and it costs my insurance company nothing. Just time to help me in dealing with the other insurance company. THEY REFUSED!

They took my money for 15 years, and the one time I needed them, mysteriously my policy didn't renew, and they gave me the cold shoulder. So much for their commercials about "being there" for their clients. Why would they send me new insurance cards for a policy that didn't renew? Why would I call them from the scene of an accident if I didn't think I had insurance with them? Why didn't they tell me when I called from the scene of the accident that I didn't have insurance? Why not send me something in the mail or a certified letter? And once again, there was 0% liability to them in this situation.

STAY CLEAR of Progressive insurance! They WILL screw you over if given the chance.
     
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Posted by Soaring Consumer on 2013-05-09:
I suggest contacting your state's insurance commissioner about what Progressive did, also you may want to get a consultation with an auto accident attorney, in most cases the at-fault party's insurance would pay attorney's fees.
Posted by Bill on 2013-05-09:
I only deal with real insurance companies like Nationwide, Prudential, State Farm, etc.
That way you get a local agent, somebody to contact you personally when things go wrong.

Nationwide home and auto for 20 yrs.
Posted by clutzycook on 2013-05-09:
You went paperless but didn't give them an email address that you regularly check. Paperless means that they aren't going to send you anything through the USPS. It's 100% electronic. They're not going to know that the email address you gave them isn't valid. I often receive my insurance cards before I pay my insurance at renewal, but if I don't pay, they're no good. They wouldn't send you a letter about your renewal because....you went paperless.
Posted by Old Timer on 2013-05-09:
Flo strikes again!!
Posted by onlooker on 2013-05-09:
You have a card with confirmation that cover is in effect at the time of the accident? That card sure looks like you the insured had cover.
Paperless does require a different 'habit' of checking your status with the company.
See a local legal rep, that insurance card could be used to show you had a more than reasonable expectation that you were covered.
BUT please learn your responsibilities for the paperless client profile
Posted by Susan on 2013-05-09:
You were sent new insurance cards in anticipation of your renewing your policy. It was your responsiblity to make sure they had your correct email address as this was the way you agreed to communicate with them. And since you elected to go paperless they aren't going to call you or send you a letter.
Posted by trmn8r on 2013-05-09:
Receiving new insurance cards doesn't mean anything - once you are a regular customer they send them for the following period with the bill. Unless you have "paperless bulling," evidently, then they just send the cards.

I don't go "paperless" on anything for just this reason - that paying {whatever} will be forgotten. You can try pursuing this, but you may be out of luck.
Posted by FoDaddy19 on 2013-05-09:
I can see where this would be very frustrating, but if you opted for paperless, and you didn't give them a current email address, then they wouldn't be able to send you a renewal notice. The good news is that the other person's insurance company is on the hook for everything, you probably wouldn't need to involve your insurance company in this anyway. Assuming there's a police report and everything.
Posted by MANDYRAY10 on 2013-06-05:
Just because you went paperless doesn't mean anything. I had a terrible time with them and when you go paperless, they do everything by email and if they have trouble with payment they're supposed to give you one phone call but they refuse to call you anymore if they have anymore problems after that. and they are supposed to send you a piece of paper in the mail stating when your policy ended and at what time and what phone number to contact them by if you wish to renew or relook into their insurance. Even if you went paperless.
Posted by Really? on 2013-06-07:
File a complaint to the State Board of Insurance. The more that write to them, the better. Also file with your Local Better Business Bureau. Unless there is a Class-Action suit against them, and individual couldnt sue them unless the attorney accepts a contingency.
Posted by Just Me on 2013-06-08:
Although you were not a fault for the car accident, you are most certainly at fault for not properly managing the insurance portion of your financial affairs.
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Progressive Auto Insurance dishonest company
Posted by Henry_tuda on 02/15/2011
MAYFIELD VILLAGE, OHIO -- I had Progressive auto insurance for more than 10 years. My wife had an accident back in June 2010. She was struck on the side by a irresponsible driver, no license and no insurance. My wife had a broken ribs, broken ankle, broken pelvis, concussion on liver and kidney and they had to remove spleen and pancreas. She spent 12 days in the hospital, 1 day in ER, 2 days in ICU and 10 days in recovery room. She's been in physical therapy since then until today, Feb 15, 2011 and still more to come.
She is disabled, I been having to work from home with the danger of loosing my job, I work and take care of my children's education and home shores and many other things that she was capable of doing.
When I submitted the claim to progressive, the only thing I got back from them was finger. Not a single penny was paid. The looked for all possible excuses to deny payment, they used the most ridiculous reasons for not paying for anything. ER, ICU, Hospital, physical therapy, wound care, recovery room services, surgery services, orthopedic services, pharmacy expenses, disability items like wheelchair, walker, hospital electric bed, etc, etc, etc, all 250K dollars and didn't get a penny from Progressive. Progressive is the most dishonest company ever. I don't recommended Progressive even to my worst enemy.

I was paying $68 a month with them and got the minimum coverage, if I wanted more it could cost double the monthly fee. Geico gave me full coverage and 500K accident coverage, 10K coverage, any incidental/accidental (broken window, stolen stereo, etc) coverage for my vehicle with a deductible of $500, car rental reimbursement and a lot more FOR $55 a month.
Progressive is reliable and all you see in their commercials is false. they will not be there for you if have an accident. The same goes for Fred Loya Insurance. They are both the same, SO YOU TAKE THE RISK or wait until you have an accident (God forbid) to probe what I said is true??? Stay away from Progressive because the only you will get is freaking laser scan from that stupid lady in their commercial, no refunds.
     
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Posted by lilly on 2011-06-29:
@Spiderman2
you must work for progressive. the guy said that progressive didn't pay him a penny. So he didn't even get $25K you're talking about. I don't think you should comment if you're going to just ignore the point of the original comment.
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Dishonest Company
Posted by HilbornNH on 12/15/2010
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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Posted by skelly39 on 2010-12-15:
1. Reopen your claim. See if your policy has an appraisal clause. Both you and the insurance company will hire your own appraisers. If the appraisers can't agree on the amount it will cost to repair the vehicle, they will find a neutral third appraiser to make a final decision.

2. File a complaint with the insurance commissioner in your state. Insurance companies cannot deny claims just because of suspicions. If they had the information and failed to review it, denying your claim instead, they could be heavily fined and forced to pay your claim.

Please do not give up. Once you understand your rights under the policy and file a valid complaint, you will be surprised how quickly the issue can be resolved.
Posted by Inat on 2010-12-15:
i would hire a lawyer
Posted by timmyj3 on 2010-12-15:
For the future you may want to seek a specialty insurance carrier that covers antique and classic cars. I beleive one of the popular companies is called Heggarty. It should offer you better protection for the future.
Posted by JerryCee on 2010-12-15:
That company is Hagerty. I had my classic Mercedes insured with them. I never had a claim so I don't know if they are reliable. They are very low cost but very restrictive on coverage.
You may want to talk to these guys:

http://insurancebusters.net/

Make Progressive backup any claims of fraud and don't be intimidated. Take'em to court.
Posted by Venice09 on 2010-12-15:
I would follow skelly's advice. And whatever you do, don't give up. That's exactly what they want you to do.

I also agree with timmy. It may be more expensive but at least you won't have a false sense of security.

This is a good review. It's easy to read and understand. I hope you pursue this until your car is completely restored. Good luck.
Posted by danny54 on 2010-12-15:
I really feel for you with all you've had to put up with, especially when they all but accused you of doing the damage yourself.

There's been a lot of good suggestions so far. I'm wondering if there's a consumer "on your side" type of newspaper or TV reporter in your area. If so, maybe they'd take up your cause as well. I'm sure the insurance company doesn't want a lot of negative publicity.

Just a thought.
Posted by JD840 on 2010-12-23:
Sue them for the claim. Some stole my $35,000 dollar paid for Porsche. I was accused of the theft, told I was too poor to own the car then they lied about an eyewitness. I am suing them for my loss. The more I look into this companies reputation the more awful the stories seem to get. It would be fantastic to get all the people that were mistreated and denied legitimate claims together and file a class action suite. Their actions have got to be stopped. For what its worth I wrote letters to every state agency that this applies too, the short of it is they have no teeth to do anything. They write letters to progressive and that's about it. Progressive has 20 days to respond but the agencies (Dept. of Commerce), (Dept of Insurance) the (MN Attorney Generals Office)cant do much. Its a civil issue and must go to court. My 3 cents.
Posted by Augustus2099 on 2010-12-23:
Thankfully i live in a state that has to require a title for a Antique car.
Posted by Stormi on 2013-08-01:
I just was denied last night for my mercedes benz vandalism claim date of incident 3/20/13 have been thru hell was accused of doing this myself by investigators went thru three depositions accused me n my grounds works i have never been so stressed have a lawyer since 2nd deposition was made to fell i was to poor to own a car like mine never been treated with such disrespect.
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Progressive Auto Insurance Claim
Posted by Jank on 01/10/2010
I have had an excellent experience with Progressive Auto Insurance Claims service. I live in Ann Arbor, and the claims representative was probably from the Detroit area.

My car was hit by someone in the parking lot, who left a note with their details. Their insurance was Progressive (mine is AAA), and I had to follow up the claim with Progressive (I asked my insurance agent at AAA what to do, and he said it will be handled by Progressive themselves).

I called the 1800 number of Progressive, and was assigned a claim number etc. the representative followed up with me by email, and advised me on how to go about the process. He asked me to leave my car at Livonia, where the adjuster would come have a look at it and also would set me up with a free rental car while my car was being fixed (you are entitled to a free rental when it is not your fault).

However, I was a little skeptical about this, and did not want to drive all the way to Livonia, so I spoke to a local collision shop I trusted. Since my car is a European car, I would not trust it to any random shop in Livonia, who I knew nothing about.

So I told Progressive that I will be leaving my car at the collision place of MY choice, and they can have their claims adjuster drive down there and have a look at it (be sure to get the repairs done at a place YOU want not at a place THEY want... they are obliged to comply). They agreed to this. As soon as I dropped off my car, there was a rental car ready for me from Enterprise (arranged by Progressive), who came and picked me up from the collision place.

The claims adjuster subsequently evaluated the claim, and I was able to get my car fixed within a week without any hassles. The estimate for the damage was $700, it was just a slight nick, hardly noticeable on my rear fender, but since the whole panel would have to be clear-coated etc, the labor charges itself were high. My rental covered the whole period, for which I did not have to pay anything extra, not even insurance, since my AAA insurance would follow me on the rental car too.

In all, the claims process (at least for me) was really smooth, no waiting on hold at the 1800 number, no harassment from the claims rep, nothing.

Thanks a lot Progressive, and keep up the good work!
     
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Worst Car Insurance
Posted by Lawyer_XX on 12/22/2007
VIRGINIA -- My wife had her auto insurance with PROGRESSIVE. She hit ice and totalled the car. We fought but took a reasonable settlement. They wrote us a check, we deposited it, and it bounced!!!

I have had to deal with Progressive four different times. As a policy holder, and being hit by a policy holder.

Avoid PROGRESSIVE at all cost. It will save you money. NEVER let them repair at one of their shops. NEVER !!!
     
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Posted by autumn35802 on 2007-12-22:
Is there some kind of state licensing agency that you can complain about the bounced check to? If not then I suggest you hire an attorney.
Posted by jktshff1 on 2007-12-22:
Writing bad checks is a felony. Report it to the police.
Posted by Anonymous on 2007-12-22:
The check almost certainly didn't bounce. Insurance checks are generally written so that they need two endorsements before they get paid, so that the insurance company has the opportunity to guarentee that the work was actually done. This prevents them from having to pay for the same damage twice.
The poster did not say WHY the check bounced, but dollars-to-donuts it was for lack of endorsement.
Posted by jktshff1 on 2007-12-22:
good point kenp
Posted by Lawyer_XX on 2007-12-22:
By endorsement do you mean signatures? There were two signatures on the check. I recall that. But I think you are on the right track. Progressive says the check is drawn on an "infinite line-of-credit" so it could not bounce from lack of funds. But for what ever reason it was still a "bad check", but I think the law as "willful" so I probably could not charge/convict on it. But I still say after 40 eyes of driving Progressive is the worst, and hires the lowest IQ McD graduates. Thanks.
Posted by *Brenda* on 2007-12-23:
What was the bank's reason for rejecting it?
Posted by Lawyer_XX on 2007-12-25:
Not sure, maybe it was not properly endorsed on the back. My wife's bank accepted it, but the ins. co. bank rejected it. Will learn more in a few days.
Posted by jcurral on 2008-02-29:
I can tell you with 100% certainty that the "check" from Progressive did not bounce. The reason is because it is not actually a check at all, it is a draft, which is the same thing a money order or cashier's check. So that draft is the same as cash. Either the draft wasn't endorsed properly, it was not signed by the Progressive rep (which is still unacceptable) or there was a stop pay put on it for another reason before it was cashed (like if you called and said that the draft was never received and they sent you a new one). But it is not possible to "bouce" a bank draft.
Posted by tnchuck100 on 2008-02-29:
If you will notice the OP has not returned. The true outcome of this is probably too embarrassing.
Posted by Lawyer_XX on 2008-03-04:
The problem must have been the endorsement. Of course the stupid Regressive Ins. agent never explained any of the things offered by jcurral. In fact, all he wanted to do is argue and physically tried to block my leaving. I told him the truth. Regressive is the worst auto Ins. They hire the least intelligent agents and adjustors. They try to blame their customers for the accident so they can raise the rate. The Ins. Co.s have bought and paid for the state legislatures to get laws that favor them to cheat their customers. I will NEVER buy from them again. They give a low quote and then send bills for additional premium during the period of the coverage. CROOKS!!!
Posted by nwoolls on 2010-01-26:
My wife and I had the same issue. Our Progressive agents did not explain anything about endorsement - just handed over a check. Five days after depositing it was charged back due to "insufficient funds".

However, after explaining that to our representative, he offered to issue another check and physically bring it to us in 20 minutes.
Posted by Lily on 2014-02-04:
Thanks for posting your comments. I just received a quote from Progressive via Prime America that would be a moderate decrease in premium from my current carrier, but a substantially higher increase on my homeowner's policy. I have always had good experience with my current company so now I am reluctant to change.
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