CALIFORNIA -- I have been a Progressive Auto Insurance client since 2005, however since 2001, I was with Drive Insurance, which was acquired by Progressive in 2005.
9 days ago, when I was backing out from a private parking lot, I had a very mild collision with a vehicle, which was not present behind me at the time I was backing out. I checked my back thoroughly. When the tail of my vehicle was about 1/4th in the aisle, an impact with a vehicle occurred. The 3 passengers from that vehicle stated they were sitting behind me, in stopped position in their car, for approx. 20 seconds, "looking at their navigator". Had that been true, I would have seen them. Where they came from, and at what speed, remained speculative at best.
The adjuster at Progressive took my recorded statement and expressed that I was at fault, without obtaining the recorded statement from the other driver yet. Progressive's adjuster defended the other driver's position, stating they had the right of way. In my view, he disregarded that the other driver's defense lacked logic, as I would have seen a vehicle parked right behind me, on the aisle.
My theory is the other driver made their move after I began to back out, as my back was clear at the time of my motion, whereas they advanced at a speed that made their motion unpredictable. Anybody can back out when the back is clear, however, if a vehicle approaches the vehicle which is in the process of backing out, at a speed that guarantees a collision, the collision will not be preventable by the vehicle which is backing out. Accusing the one who is backing out of fault automatically, is nothing short of sloppy.
This fine detail was disregarded by the adjuster, who proposed fault on my behalf, without even having taken a statement from the other driver yet. I am very disappointed about my insurance's opinion-oriented approach to a scenario that definitely is not as simple as they scripted. Their at-fault decision against me is formed without regard to illogicalities in the development of the impact.
Progressive decided I was at fault and is increasing my insurance premium, plus giving me "points". The damage on the other driver's property was a mild dent on the front right fender. I paid insurance premiums for 5 years to Progressive, plus 5 years to Drive Insurance, which they acquired. What I paid them on premiums by now, would take care of the minor damage they wish to pay for with ease, and still leave them with excellent profit. Seems not enough.
Thus, they raise my premium amount, plus add "points". Certainly, how else would that "Progressive-Lady" in TV commercials be on air every 30 minutes nationwide, manically selling promises which sound too good to be true. If the government decides to regulate insurance companies' profit mongerism at the expense of consumers by arbitrary fault decision, I surely will be the first one to vote for that. I'll terminate my clientelship with Progressive latest at the time of premium increase. I do not recommend Progressive to anyone.
PS: They also imposed a late fee penalty on my account once "by mistake", though I always paid on time. Had I not requested correction, I would have overpaid them.
About 5 1/2 weeks ago I was rear-ended by someone who has progressive insurance, admits total fault. Due to my bumper being pushed into the back tire, my car had to be towed. I have since had neck and upper back problems including a couple incidences of pain shooting down my arm and my hand becoming all tingly. I drive as little as possible because of the medication I am on and because it hurts to turn my head.
Not that they ever even offered me a rental vehicle. They deemed my car to be worth $4000, and went from saying the damage was "between 4 and 6 thousand" to "between six and 8 thousand" to "over 8 thousand" um, the damage hasn't changed since the car sat in my carport. So then the insurance agent tries saying I don't have the right to get a quote from anyone else. Knowing this is BS we take it to the shop a friends fiancé works at, his boss agrees to give us a good deal on the repairs, repairing it for $3000. He says while this is a good deal, 6-8 thousand is a ridiculous quote.
He then asks if we are dealing with ** to which I say yes and he groans. He says he hates that guy. Great, this guy has a reputation of being a pain. So, after fighting with **, he says he'll give us $4000 to total the car, we can buy it back for $700 and then we can pay to have it fixed and it is now a "salvaged" car. Fine, whatever, we don't plan to sell it ever anyway.
So he gives me the paper that has the value of the car on it, and despite the fact he was told numerous times it was a special homecoming limited edition vehicle, it's listed as a standard edition. The back page of the packet says "editions available listed by value, increasing: std, homecoming" so I point this out to him.
He tries fighting with me than gives me the check and says he'll call the company tomorrow and have them run the numbers and see if there is a difference and if so he'll send us another check for the difference. He calls back the next morning says they ran the numbers and it looks like we'll be getting $500 more. Over a week passes and no check, so I call again and he says that actually the car is worth $20 less than the standard. What?! How on earth is a limited edition car worth LESS than a standard when everything else is the same? How can something being a limited, special edition DECREASE value, especially when he originally told us it was worth more?
We're getting screwed. I also overlooked the evaluation of the car where there were blatant lies such as saying it had a poor re-paint job and one of the panels didn't match the others, which is false. All the homecoming cars were painted the same color and we bought it from a dealership when it was 2 years old, and aside from the bumper having to be repainted, which was done well in the same color, nothing has been repainted.
Now, not only is he screwing us on the car, my medical is a whole other story. He only wants to give me $700 for "inconvenience" and then my medical. I took 2 days off work and another combined 4 hours for medical so far, so that's $290 for my missed pay alone. I haven't been able to get myself around, and oh yeah, I've been in pain and unable to lift/carry things for 5 1/2 weeks so far. I work for a personal injury law firm, I know for a fact my pain and suffering should be way more than $410. I'm getting a lawyer, and praying I never have to deal with Progressive again.
SACRAMENTO, CALIFORNIA -- In late February of 2006 I was rear ended by a driver who was covered by Progressive Insurance. The woman who hit me admitted that she was at fault and we each filed claim regarding the incident. As a result of the accident I was injured and required therapy to treat these injuries.
At this time I have completed my therapy sessions and have amassed over $2,100 in medical bills as a result. Progressive Insurance is stating that they are only going to pay for the first 6-8 weeks of medical bills and are offering me a little over $1,300 because they claim that "soft tissue damage heals in 6-8 weeks". They do not care that a medical professional deemed it necessary for my treatments to continue beyond their arbitrary time frame.
In addition, the agent assigned to this claim literally adds insult to injury. Whenever I speak with her she is rude, condescending, talks over me, cuts me off and refuses to allow me to speak with her supervisor. Whenever I ask to speak with her supervisor she asks why and I let her know that what she is offering me is unsatisfactory and I want to discuss the claim with her supervisor. The agent tells me that's what she is there for. It's a maddening circle.
At this point, in order for my medical bills to be paid in full I will have to consult an attorney to bring a lawsuit against the woman who hit me as well as Progressive Insurance, and as everyone knows bringing a lawyer to the table will drive up the settlement amount exponentially... it would be much more economical on behalf of Progressive Insurance to pay out the additional $800 than to have this become a lawsuit.
But, the impression I get from my personal experience as well as from reading reviews on this site as well as others is that Progressive Insurance doesn't give a damn about people. All they care about is their bottom line. Understandably, they are in business to make money, but the idea that the victim of one of their insured should be left with $800 in medical bills is absolutely ludicrous.
On their website, Progressive Insurance boasts about their extensive art collection that is housed at all of their facilities in addition to their corporate office. I find it admirable that this company would support the arts, after all I am an artisan myself, but before they purchase their next piece they should take care of those who are injured at the hands of their insured.
If I am ever again hit by a driver who is insured through Progressive I will take the following actions: Call the police for an accident report, Call for an ambulance to the emergency room regardless of how I feel at the time of the incident, GET A LAWYER to talk to Progressive Insurance on my behalf. I will NOT be bullied by another one of their representatives again.
This is my second complaint against this company regarding this claim, although it is my first "public" one. Previously I complained to my state's Insurance Commissioner's office. Their response was to speak with the claim adjustors manager. I received a letter from the manager and left her voicemails in response, but never received a single return call from the manager.
I will be following up this commentary with the following: Addressing this issue on the "contact us" page of Progressives website, repeating this entry on every site such as this one that I can find, blogging about it extensively on my personal blog, making another complaint to my state Insurance Commissioner's office since the manager is being completely unresponsive.
If you are a customer of Progressive Insurance, or considering becoming one, you may want to think about investing in prepaid legal assistance because if you were to be found at fault in an accident and people were injured you could very likely be sued because Progressive will not pay out full medical costs of those who are injured.
SAN ANTONIO, TEXAS -- I had been a client with Progressive since 2003 I made it to their "Diamond Member list" which means "full large accident forgiveness" which meant that it helped me keep my rates from going up if you're in an accident-even if its your fault". I was so excited when I was told I was a "Diamond Member". After 11 years of paying for full coverage for 5 vehicles and four drivers and being a good paying client, I was forced to leave them in 2015 because I had a bad year in 2014 and some hail and theft claims during the years I was with them.
At the end of my 6 months police of 2014, I received my renewal for January to August 2015. To my SURPRISE, I was going to pay close to $1000.00 for the 6 months!!! That is a house payment!!!! I called and asked nicely why my rate more than doubled and they said because I had one accident which I was at fault, one accident not at fault, two hail claims and one theft claim!!!! THAT is why I paid you every month so you can cover for that for over 11 years!!!! I have paid you way over in these 11 years to cover for my claims and have more left over!!!!!!! I never wanted to change because I was happy with them and their rates. But I realized that if you have "accidents" or claims, they don't care. As long as you don't make them pay they will treat you good. Insurance's overall suck. They make you pay ridiculous rates after you have claims or accidents. That is why they are called "accidents" most of the time you can't avoid them!!!
Now, I have been forced to look else where, but luckily I found an insurance that would insure me for more than half the price Progressive wanted to charge me. My advice is, try to fix any problems yourself before contacting your insurance!!!!! :(
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.
OHIO -- I cannot understand how a company as large as Progressive has decided to force insurance agents to rate all their insured's who are businesses as one rate - the highest rate they have, no matter what type of business they have. Progressive also stated that if a business has a particular type name, they will rate them based on their name no matter what they do in their business and how much you prove them wrong.
Today, a lot of business owners have DOT #'s and are required to have other federal # and Progressive has stated if anyone who have these items they will be rated the highest rate they have even though they are not the type of business. Progressive also stated we as agents have a guideline to follow with Progressive but nowhere in this guideline does it state no matter what type of business you are or if you have federal # you will be rated the highest rate with Progressive which is triple or almost quadruple.
Also Progressive has said agents represent them. Well, last time I looked I thought we represented the insured. If an insured calls and tells us what type of business they do and provide proof, is that not enough Progressive? Are you so greedy you don't give a care about anyone. You say it does not matter what type of business they are, you will use the highest rate will and they will still be protected. Then how come other carriers don't think that way? Is there not any way to stop this lying company and all their misrepresentations on the TV and infomercials. Come on someone?
I was told since I deliberately disobeyed them and if I do not rate my clients with their high rate I can no longer write for them because I am not protecting them, Progressive. This is sad. Force an agent's hands and say to keep your appointment with Progressive you have to rate all your business clients with our highest rate no matter what and if not you can no longer write with us. OMG!
I've had Progressive for 2 years. It was a relationship that started off well, but only went downhill. When it started, it was a nice low rate compared to other companies. I paid the 6 months in advance to get the discount. Then I switched to the month to month and discovered I could get text alerts when my bill was ready. I was very pleased, except after 6 months they stopped and I was unaware when my bill was ready and missed payment. It was extremely stressful being unaware when the bill was ready, although I knew it was usually the 20th, it would have been nice to continue to receive the reminders.
Also, frequently parts of the website just would not load, making it very difficult to pay online. So after another 6 months I thought I should just pay the next 6 months in advance again so I wouldn't have to try to remember every month or rely on the availability of the website. I went online and selected to pay for my last month and the next 6 months, entered my credit card information, and clicked through. I received no indication that anything went wrong.
Today, a month later, I have received an email stating that my policy has been canceled and that I still owe them for the last month. I am extremely dissatisfied that I was not warned that my policy was going to be cancelled. It is uncomprehendingly frustrating to have the money to pay a company but have to go over hurdles to get them the payment.
I checked my bank statement and no money was charged even though I ended the transaction without any issues. The insurance is constantly going up even though I have only had one fender bender (a decal on the front of my truck hit the work box attached to some other guys work truck) and was told it would not increase my rate. It is just starting to make me feel rather scammed.
I highly recommend you DO NOT use Progressive. And if you decide to for your first year, shop around your second because other companies will give you a larger discount for having it. Unless of course, Progressive's ineptitude results in a lap in coverage.
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 G, 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. G had charged me with the accident with 3 points and had paid the claim. I talked to Mr. G 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. G 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. G. 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.
HAZARD, KENTUCKY -- I purchased a 6 month policy with Progressive for $185.00 a month. When they sent a renewal notice they wanted to raise my rate to $220.00 a month. I couldn't afford that amount due to my husband's recent job loss so I didn't renew. (There were no changes in the policy other than the rate, no claims or traffic tickets)
I parked the vehicle until we could afford to pick up insurance with another company, which we did at a much lower rate. Now I'm being billed almost $400.00 for a policy I didn't renew, on terms I didn't agree to and on a vehicle that wasn't driven. I've tried to speak to someone from Progressive about this but they say there is nothing I can do and they will continue with collections. I fulfilled my 6 month agreement. How can they raise my rates and automatically renew my policy without any consent from me. This is absurd.
MAYFIELD VILLAGE, OHIO -- Rudest people ever. Crooks from owner down to claims people. Peter is stupid or just doesn't care how these crooks that work for him lie, cheat and steal from people. The same people pay him millions of dollars every year. They spend millions on that stupid ‘Flo' commercial and won't fix or pay 5 or 6 thousand to take care of paying customers. These people will be out of a job someday. You can't lie, cheat and steal from people forever. Claims people sent my car to three of their preferred shops. My car was never fixed to satisfactory running condition. Really rude people at Progressive. Liars and thieves.