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.
Had Progressive Insurance for 1 year and have had other insurance companies for my RV insurance and never charge me a cancellation fee! Now after 1 year with them they are charging me a cancellation fee of $30.00 and ask them why and said it was California and I know damn well it's not a fee that the state charges just masking it to make it look like it's not them! But I know better, I recommend that you may use another company! I will never use them again.
PORTLAND, OREGON -- I have had Progressive Insurance since May 1998. My policy has been paid automatically for at least the last 10 years. I've 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. It's 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.
CHICAGO, ILLINOIS -- 12/9/13, I was in an accident in Illinois while trying to get to safety in a blizzard. Filed a claim with Progressive. My representative ** out of Sacramento, CA took the claim and assigned it to a very young boy in his late teens to early 20's. His business card says senior adjuster. He requested that I drive the RV to a repair shop of his choosing. It was very clear that the vehicle was not road worth due to large panels and other items handing if not falling off the RV.
I said are you kidding? He answered why? I replied are you now joking? He said no. I said you drive the RV and I'll follow in your truck. He refused and said I can't do that, and I said I am not willing to kill someone should these parts fly off and hit someone. Mind you it was 10-15 degrees below zero at the time. So I was forced to secure the parts so I did not kill anyone. The adjuster sat in his warm truck and watched me secure all the parts for the trip to the shop.
The shop wrote an estimate, the adjuster requested I fax it to him, but he failed to mention the fax number on his card was disconnected. I had to wait 4 days in a parking lot and nearly froze to death, after several calls to the adjuster, he decided to call back. He stated that the fax number was to a office that closed down a year ago. And he gave me the correct fax number. It's my belief this is a tactic to delay payment. When he received the estimate, he called and started asking me questions about the estimate swaying toward the denial of damages.
I have been dealing with this incompetent lazy kid for over a week, while I'm disabled in a parking lot in subzero temps for over a week. And still no result, I can go on and on how this company's main concern is to procrastinate the claim. I will file lawsuit for far more than this claim should have paid. I will also make it a full time job to make sure no one else falls in their trap.
My dad had Progressive insurance for 10 years, but we noticed for the past few years that his rates were going up for no reason. His last renewal notice was high by almost $500, so he called them to clarify last week. They informed him that he had 2 points on his history and as a result his rate increased.
He was shocked because he was not aware of this, so he went to the DMV to retrieve his full vehicle history, and noticed that it was spotless other than a 4 stop sign he ran in early 2011; not given any points for it. I called them the next day so they could rectify this, and the lady was very rude but gave me the fax number to send over the papers from the DMV, she said that I could check back the next day to ensure they had received it.
I called the next evening and spent close to 3 hours dealing with this situation. As it turns out, Progressive "awards" points to their drivers if they have any violations, whether their driving records are clean or not. She knew that this was not showing on my dad's driving history, but regardless, they still increased his rates.
I requested proof of paperwork for this, and she told me that she could only give me a paper with the date of the violation, but not the point system given as this was an "internal decision", so regardless she couldn't help us. Not only were the news bad, but the way I was provided this information was rude and this lady sounded bothered to be on the phone with me.
I am very upset with them because despite my dad's loyalty to them, they have had no consideration towards him. I got on the phone with Geico right after that and the lady I spoke to was nice and pleasant, and you can really tell the difference in training that these company associates receive. We also insured his home with Geico at the same time. I have never put a complaint before against anyone, but this has tipped me over, and I will tell as many people as I can, not insure with Progressive.
MINNEAPOLIS, MINNESOTA -- Progressive Insurance has frustrated me so much so far. I got rear ended in 2009, leading to numerous problems with my back, neck and a nasal septum deviation. Before the accident, I did not have a history of nosebleeds or deviated septum. The result has been constant nose run with clear discharge, sinus infections and numerous non-stoppable nasal bleeds. All this started after the accident and all the people can bear witness that I did not have prior history of nose bleeds or septum deviation.
Fortunately, the septum deviation has recently been corrected through nasal surgery in August 2013. However, Progressive Insurance Company has refused to pay the medical cost and my pain and sufferings. My efforts to resolve the issue has been met with retrogression, intimidation, patronizing and humiliation.
Initially, I had a lawyer but realized that my case was not being adequately represented. So far, all they have offered me is less than 25% of my medical cost and when I refused the offer, I was labeled “an angry woman, out to take down Progressive Insurance.” I would like to use my story to bring awareness and hopefully pressure on Progressive Insurance.
I have suffered from this constant nose bleed from August 2009 to date, have undergone 4 cauterizations with no end in sight. I have been fortunate to find another lawyer who has been trying to settle the case with Progressive Insurance, but they are not returning any of his calls or emails. Progressive lawyers had told me I would lose everything and end up with less than 1,000 dollars when they were done with me. Help me to take a stand against Progressive Insurance Company. Help me tell them that they cannot harass, manipulate, and prey on innocent injured people merely seeking remedy for their sufferings.
KNOXVILLE, TENNESSEE -- Jan of 2012, there was a very minor accident in a private parking lot where in backing up at night in the rain, the corner of my bumper impacted the top of the bumper of another vehicle. The other vehicle did not have its lights on and therefore I did not see it coming. The damage was very minor a 3 inch scratch on the top of the bumper which resulted in about an $800 repair.
The adjuster from my insurance company, Progressive, charged me with the accident and paid a No Fault claim which resulted in my rates doubling. I had reported to the adjuster, Mr **, at the Knoxville, TN office what had happened including the other driver did not have his lights on. I heard nothing back from Progressive at all and did not worry about this because it was and should have been a no fault situation. No one ever came and looked at my vehicle at all.
In May of 2012, I received my renewal notice and was floored because my rate had doubled. I called to find out why and was told that Mr.** had charged me with the accident with 3 points and had paid the claim. I talked to Mr. ** who was very arrogant, telling me it was his decision and he wasn't changing it. He said the other driver said he had his lights on. This is my insurance company. He refused to do anything at all.
In trying to get help, I found that all the contacts I was given by the company where his supervisors in the same office with him and all I was told by everyone was I had to talk to him. I did talk to KG in another office (she is over the Knoxville office) and she told me I had to talk to Mr. ** too. All I got was the run around. So my insurance company paid a claim they should not had paid in the first place, took the word of the other party over their client, did not communicate this information with their client, and even now, gives the same run around and chain of command to file complaints to.
This is horrible customer service along with very poor company structure to deal with problems caused by a claims manager. Everyone makes mistakes and they can be corrected, but not Mr. **. I would steer clear of Progressive. BTW, am still waiting for a claims check in March of 2013, for an accident that happened in Dec. of 2011. That is another issue.
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.
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.
DOUGLASVILLE, GEORGIA -- I have been with Progressive for over 3 years and have small accident forgiveness on my policy. Problem is their small accident forgiveness is for $500 or less. Anyone who has had an accident knows that 500 bucks will cover a scratch on car that's about it. Hit my neighbor in the door backing out of the driveway and put small dent in the door cost 1700 bucks! Now they've raise my insurance premium to $800 more and year. They tell you that they only keep accidents on your policy for 3 years instead of 5 like some of the others but if that's the case then I will end up paying them 2400 for the accident plus my insurance premium.
I am sick of all the fine print of these companies written purposely to screw you over in the event of you have to use their services that YOU ALREADY PAY FOR! This is ridiculous to have have to fight with the people you trusted with your business in the first place. Posting this rant on a forum doesn't do us any good maybe makes you feel better that it's out there for people to read but what is actually being done about these things? Time for the little guy to come out on top! If there is a site or forum that actually makes a difference on these things, please let me know!!