Progressive Insurance Will Not Pay Your Claim
On 8-21-2010, while navigating the Delaware River I struck an object in the channel. I immediately filed a claim with Progressive Insurance upon returning to the marina. On 8-23-2010 I spoke to the claim representative He was advised that the travel lift to pull the boat was out of service for a few days and then the mechanic is going to be away. I asked if there would be an issue keeping the boat in the water until 9-7-10. He advised there would be no issues as long as I don’t operate the boat. I obeyed his request.
On 9-7-10 I had the boat pulled. I then immediately contacted the claims representative and advised him. He then went to see the damage on 9-9-10. He called me later that day and advised that the damage didn’t look fresh. After sitting in the water for 17 days anyone with a boat would know that growth and marine life would grow on exposed metal. At this time I reminded the claims representative that there were 7 people on board and asked if he had called them, he did not. He said he had to do further investigation, and did not call me back until 9-10-10. He then stated he has to gain more information and would know more on Monday. He asked if I could provide him with information, which I did immediately via email. The claim representative called me on 9-13-10 and stated that his boss is now requesting an independent marine survey, and he would have to schedule it. I asked Fahey to please call me by the close of business on this date with the scheduled time.
At this time I asked the rep, how they selected this surveyor, he said this is the one Progressive uses in New Jersey. I asked how is that independent, Progressive pays this person to do the survey, would this guy really bite the hand that feed him. Fahey assured me that this is not the case. I received a call from the representative at 4:45 on this date and he stated that the independent marine surveyor is out of town until next week sometime, and we will have to wait until then. I asked why we have to delay this another week to wait for this one guy, he answered that is the guy Progressive uses. How independent is this? Why another company cannot be mutually selected and utilized. He did not have the answer. So at this point my boat is being held at bay. I can not do any work on it or the claim will not be paid, I feel that I am being bullied into dropping the claim by creating these delays. How is this good and proper business ethics? I also note my integrity was questioned without any investigation. WELL IT IS OFFICIAL THE CLAIM WAS DENIED!!!!!
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