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.
MEDFORD, NEW YORK -- I had an accident back in June with one of Progressive's insured. I was driving straight in my lane, when out of nowhere, this guy in an SUV hit the driver's side of my car and sent me off the road into a telephone pole. There was a witness and everything. She said he was talking on his cell phone, he didn't see me until the last minute and tried to jerk the truck back but it was too late... he had already hit me. Well, he lied in his statement claiming I was in the shoulder.
I had a feeling that the insurance company would give me a hard time so I consulted with an attorney who gave me the idea to write a letter to the witness asking her to state that I was not in the shoulder and that I never left my lane. So I did, and she wrote back stating that there was no possible way I could've been in the shoulder because there were cars parked there. There is a small shopping center so cars usually do park there. She said I was in the lane when he hit me.
Well, Progressive did not care about anything she had to say in her statement. They did not care about the letter she sent back to me, they didn't care that he was on the cell phone... they pretty much just don't care!! They closed my claim only six weeks after the accident. Luckily, my insurance company, GEICO, does not find me at fault. The adjustor at Progressive gave me an estimate for my car AND told me it looked like liability was in my favor! Next thing I know, they're telling me I'm not getting anything from them.
Listen to how stupid this sounds: It's illegal to drive in the shoulder, but it's also illegal to talk on a cell phone, right? So even if I was in the shoulder, which I wasn't, and it's illegal, shouldn't he be somewhat at fault if it's illegal to talk on a cell phone? You'd think so, right? This was their excuse: The police officer did not issue him a ticket for being on the cell phone, therefore, to Progressive, he was never on his cell phone!! Ridiculous!! I guess they treat their insured's okay, but when it comes to the people their insured's hurt, they could give two poops!!
So the point of this is to tell people: Try to avoid accidents as best as you can because if they're a driver insured with Progressive and it's their fault, YOU PROBABLY WON'T GET ANYTHING FROM THEM... EVEN WITH A WITNESS!! They're liars and they're cheap! My car was worth $2000 lousy dollars and they couldn't even give that to me!! Hopefully GEICO will be relentless and make them pay all of my medical bills!! As for right now, I'm without a car and this liar gets to drive around in his truck still with a few scratches on it!!
BOSTON, MASSACHUSETTS -- I've been with Progressive since 2013. I haven't gotten into any accidents for more than 5 years, no citations and my bill is paid on time. Each and every renewal my monthly bill goes up. Since I've been with them it has increased by $60-$70. Every time I speak with them of why it is always the same thing, "The rates have gone up in your area." No help and it just keeps increasing. Won't recommend them at all.
MESA, ARIZONA -- Stay away from this company, and avoid at all costs. Getting in an accident with these people, fault or no fault, they will rip you off. Was involved in an accident in 2011, was rear ended by a Progressive policy holder which totaled my and injured myself causing PCS. Had to get a lawyer to have my case settled, they will at all costs make you look like the criminal instead of the victim.
OREGON -- I am a Progressive customer (sadly) who was hit by another Progressive customer (I was sitting in my parked vehicle when I was backed into by the other driver). Progressive has told me that if the other driver doesn't respond to their calls within 30 days then they will not cover the accident and I will have to take the other driver to court. This company will try anything to not have to honor their coverage. I'm going to have to take both the other driver and Progressive to court. Progressive policy holders BEWARE. Run from this company!
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.
IDAHO -- I was rear ended from a person insured by Progressive. After a week or two of waiting for them to get back to me, they told me to take my car to Lithia Ford in Boise to get an estimate. We did only to find out that we needed to make an appointment with ONLY their own examiner to look at the car. Now it is over a month and they sent someone who was supposed to call me, the owner to meet with them to look at the car. The guy they sent out to the site where the car was left a check on the front seat for $552.28 to replace a new back bumper, fix the trunk and electric trunk opener, fix the tail pipe, replace the crushed license plate and repaint.
I was outraged and called Todd to see how he came up with amount. I asked him if he was going to do all that work for $552.28 (Which was less than half of all the estimates we got from repair shops.) Had to ask him twice. He told me no, that he does not do repairs. I called Progressive and had them set up an appointment at the shop so I could have a qualified estimator look at the car. Then the original adjuster's supervisor called me to tell me not to bring it in and that the check amount and claim would stand.
I have already called my agent to have her switch me from Progressive on all my toys and I will spread the news about these frauds anywhere I can. We are also doing up a complaint with the Bureau of Insurance. I am not looking for a new car, just a reasonable settlement at least close to what the estimates we got from reputable shops were. DO NOT GO WITH PROGRESSIVE!!! Try Safeco or anyone else. You get what you pay for.
GLOBE, ARIZONA -- Monday night a deer jumped in front of our car and my wife couldn't avoid hitting it. It damaged the front passenger side so badly that I couldn't open the passenger door. Tuesday morning at 6:30AM I called Progressive. They assured me that they would send someone out to inspect the vehicle on Thursday. I asked, "Why not today?" Their response was "Tomorrow is a holiday". Thursday came and went, without a phone call or a representative as scheduled. I emailed my claim representative and received no response. I called and she said she didn't know anything about it, although I talked to her on Tuesday.
She called back and said that it would be a week before someone could come to look at the car. When I asked why, she said it was because I live two hours from her office. So it's not okay for Progressive (The paid service provider) to be inconvenienced for a few hours, but it is okay for me (The paying customer) to be inconvenienced a whole week without a car to drive. They are supposed to provide a rental car, which they are clearly putting off as long as they can. They didn't even give me a courtesy call to let me know they weren't showing up on their originally scheduled day.
When I complained about the week delay, she suggested I just keep driving my banged up vehicle because it was still "drivable". So what am I supposed to do, jump in and out of the window like the Dukes of Hazard? When I switched over from State Farm, Progressive promised me equal or better service. That was a lie because State Farm would never take more than a day to inspect the vehicle, would never make me wait a week for my rental car, and would never suggest I drive an unsafe, damaged vehicle.