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Subrogation Process Fails
By -

After an accident involving myself and another insurance company's policyholder, I was issued a citation by a local police officer for passing in a no-passing zone. In his police report, he wrote that it was for this reason that the accident occurred. I objected to this citation and need up contesting it in court. The officer appeared in court and pleaded his argument. However, after providing the judge my video evidence that I had compiled, he ultimately ruled in my favor and dismissed the citation stating that it was indeed a legal passing zone where the accident took place.

Afterwards, I submitted this information to my claims representative and was informed that it would be used in the subrogation process to prove the other party involved was at-fault. Several weeks passed while in the meantime I received a letter in the mail from the other party's attorney stating that she is pursuing legal action against Progressive for the maximum of my liability policy limits ($50,000) even though her medical bills and auto damages only totaled to less than $30,000.

I continued to stay in touch with my claims representative during the process and was informed that the claim was still in the subrogation process and to let him know if I receive any more letters from her attorney. Being optimistic that I would be found to be found not at fault in the accident after the judge's ruling, I waited patiently for the process to run its course.

To my surprise however, I recently was informed that the decision was made that I was still at fault! Needless to say, I was stunned as this appeared to be in direct conflict with the judge's ruling. I was told that basically the court's decision played no part in the subrogation process of determining the at fault party and that it was based on the police report instead. This made no sense because the police report stated that I passed in a no passing zone, therefore I was at fault for the accident but the judge overruled it and stated it was indeed a legal passing zone. That being said, the police report is inaccurate and I should have been found not at fault for the accident.

So apparently, whoever made the decision that I was still the at-fault party is above the law because if not, the decision would have been reversed making the other party the at-fault party and, therefore her policy would be liable for the damages, not mine. Obviously, this was not the outcome I, or anyone in my place, would have expected. I was advised of my option to pursue this case in small claims court which appears to be the avenue I will take next since Progressive's subrogation process has failed me.

Even though I have taken a financial hit do to this, ultimately it will be Progressive who will be on the losing end after paying the other party's damages which actually should be paid by her own insurance company's policy and ultimately losing me as a policyholder.

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Most Amazing Customer Service!
By -

ORLANDO, FLORIDA -- I would not normally advertise for a company, but I have recently had a really amazing customer service experience. I have a lot to say about my recent experience with my car insurance company, Progressive. I LOVE PROGRESSIVE. After my car wreck last Thursday I was in a lot of pain and very stressed about what would happen to my car, my health, the impact it would have on my daily life, bills, medical costs etc., etc...

Thank you to Progressive my life is so much more pleasant and less stressful at this point. I called to make a claim the next day with their claims department. I was not on hold very long and did not have to talk to 20 million computer voices while pressing buttons before I could speak to a person.

The gentleman was very courteous and went above and beyond in his empathy and consideration. He expressed concern for my well being and the outcome of the accident. Sure this is his job, but phone service representatives usually just do what is required of them with very little positive effect in their voice or attitude. He asked what had happened and the whole time, had a very sincere concerned tone "Oh wow, that is awful... You are so lucky it wasn't worse... Thank goodness you are OK, etc..." Regardless of his actual concern he was very calming and helpful.

He provided any contact numbers I may need and explained the full process of taking care of my claim. He located the nearest body shop for me and called them with me on the line to make the earliest appointment at my convenience. He constantly made sure everything was clear, simple, and without any problems. He provided me with a number to call him directly if I should have any issues. It continued to be an easy and smooth process...

When I arrived at the body shop the progressive representative promptly called the rental service then proceeded to go over the damages of the car with me while taking clear photos and checking every little detail. They listened carefully and also seemed concerned.

The representative from Hertz arrived very quickly and drove me to the rental location. They were also friendly and clearly explained every part of the rental and what part Progressive covered as well as what my options were with gas, daily insurance etc... Daily insurance for the rentals was usually $25.00 to cover any damage that may occur to the vehicle while in your possession. However, because I was there through Progressive, it only cost me $12.99 daily.

This meant that no matter what happened to the vehicle, from a small scratch to it being totaled, I was only responsible for that $12.99 and not held liable. Progressive would also call and extend the rental for me if necessary, so I simply get the keys to a car equivalent to my own or more and drive it for as long as I need. I ended up with an 08 Ford Fusion with dashboard controls on the steering wheel, a navigation system, Sirius satellite radio, and an in dash 6cd player :) and get to drive it for the length of my repair at no cost to me except gas and the optional daily insurance.

And there is more... Saturday another representative from Progressive called me. This time an equally kind and considerate woman. She was the one to handle my injuries and personal health coverage. She explained that Progressive will cover 80% of all costs including my x-rays, ambulance ride, ER fees, Cat Scan, and even prescriptions. They would file all the paperwork with the hospital then send paperwork to my health insurance company for the remaining balance. All I had to do was send them copies of my prescription receipts.

She expressed concern and told me not to "over-do-it" at work and to call her if I needed help with anything. She also told me she would call me in a few days to see how I was feeling. Even better, Progressive is reimbursing me for the days I missed at work due to the accident, all I had to do was sent copies of my last two paychecks. They even phoned my manager at work for me.

This is not my first positive experience with Progressive. Last time I just needed some body work after a car battery was left on the road and destroyed my front fender... They had the same great service with a rental... But this time with the medical issues, they just knocked my socks off with amazing customer service.

In short... If it is in your budget to switch car insurance companies, I strongly suggest looking into rates for Progressive. They are one of the less expensive companies and they also have included pet insurance for your pets traveling with you along with motorcycle, RV, Boat, and other types of insurance. Their kindness and amazing guest service has won me over. It may be their job, but they do it well and I feel safer and more can at ease because of it. So anyway, if you want to be worry free in a situation that be devastating, Progressive can help!

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Progressive Boat Insurance Claims
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ILLINOIS -- I picked up Progressive for our boat. I hit something submerged in the water and it broke our transom assembly. Called right away to file a claim and they denied our claim. Said it was fatigue. Our boat is a freshwater boat and it doesn't sit in the water to get fatigued. When you hit something in the water new or not it's gonna break. 1800 a year for their terrible insurance. Stay away. You're better off without insurance at all if they are gonna deny every claim someone makes.

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Don't Bundle with Progressive - They send you to Homesite Insurance of MA
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

MAYFIELD, OHIO -- I was refinancing my Home and was told my insurance was high. I looked around for quotes, and because of the Auto Insurance was with Progressive my wife wanted to use their Bundle. Info was exchanged over the phone and I was given a policy that cancelled my existing policy. Within the month I received a letter that they had sent out an inspector who looked at the outside of the house, and based on his inspection they cancelled my insurance.

There was a 12' Lilac bush that touched my gutter, and a screw that was holding a piece of siding in place (That was there when I moved in 7 yrs ago, because I didn't put it there, and it passed the sales inspection, and three appraisals). Basically, they did not want my business, but the agent on the phone had no problem canceling my current policy. DO NOT USE PROGRESSIVE BUNDLE PRODUCT.

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Botched Repair/Ripping off customer in concierge service centers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

WEST PALM BEACH, FLORIDA -- Car went in for minor front end repair from an accident; 2009 VW Jetta Wolfsburg. Came back with hood and lights all wrong. Hood seemed too long/hooded over the headlights. It appears they used non-oem, perhaps used/refurb parts. Doesn't look right. Worse, the shop they chose apparently can't properly recode a car after taking battery out either. Stereo doesn't work now, which was working when I dropped it off, but of course the stereo now not working as soon as I pick it up is all just a big coincidence. What a crock.

Please, whatever you do, do NOT take your vehicle here for any type of repair. They not only send it off to a repair shop that does a poor job, but also do not care and do not stand behind their work. My wife noticed the front end looked goofy as soon as she saw it... You're telling me their "professionals" (I use the term loosely) didn't notice what my accountant wife picked up on right away?! It's not even her car... I'll update once we get the assessment from a real shop. Plan to also send that report along with our paperwork to the Attorney General in FL. People have to be complaining about this other than just us...

The shop they sent it to isn't even registered with the BBB!!! This is what we get from an insurance company we have been with for almost 10 years and never had a claim?! STAY AWAY FROM PROGRESSIVE SERVICE CENTERS - THEY PURPOSEFULLY TELL SHOPS TO USE NON-OEM/USED/REFURB PARTS AND COULDN'T CARE LESS WHAT HAPPENS TO YOUR CAR. THEY WILL ALSO STILL CHARGE YOU AS IF THE SHOP DID A TOP QUALITY REPAIR!

The guys working there are NOT repair/automotive trained personnel. They are there to do the paperwork and get the cheapest local shop to do the minimum repairs on your car while still charging you as if they are from a real dealership or autobody shop. We made this mistake by not researching it before we agreed to them "handle" our repair for us because it would be "so convenient".

We were 2+ weeks without a car, got it returned with a goofy looking front end full of crap parts and our premium stereo no longer functioning. THANK YOU PROGRESSIVE FOR SERVICE BEFITTING A LONG TIME CUSTOMER! I'D RATHER PAY MORE SOMEWHERE ELSE THAN GIVE THEM ANOTHER $1.

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Progressive Deceptions and Deceit
By -

On a beautiful clear day, my Grand Cherokee Limited was struck in the rear by a driver insured by Progressive. The police came and issued a ticket to the Progressive driver for traveling too close. Not for "texting while driving" which is a crime in this state. But the Progressive driver admitted liability and fault with no attempt to lessen responsibility. Their car was totally destroyed.

Then came the Progressive trickster. They offered me a "settlement" that was lower than the cost to repair my vehicle. I found that the Kelly Blue book placed the value of my Grand Cherokee at 7800.00. I was told that if the value of the repairs were greater then the value of the vehicle, then the vehicle would be declared a total loss. From a highly rated repair shop, I got an estimate of 7200.00. LESS THAN the value Blue Book Value of my Jeep. There should have been no problem.

The Progressive Trickster said that Progressive does not use the Blue Book, they use NADA, which had the value of a similar vehicle at 5725.00. The problem was that the price quoted was for a different engine and different body style.

I obtained a Market Valuation Report for my Jeep, which is a lengthy for very fair market appraisal for a vehicle. It showed the value to be at 7300.00. Again lower than the repair costs. I was then told that if the repairs exceed 70% of the value of the vehicle, then the vehicle will be declared a total lost. BUT... The Progressive Appraiser gave me a repair quote of $5000.00. The Progressive Trickster said that Progressive had to take the HIGHEST repair estimate, which means they IGNORE their own appraisers.

After too much time being spent as a victim of a Progressive Policy Holder, I took the issue to my own insurance company. They will issue me a check that is very close to the repair cost and go after the money from the driver of the Progressive client. In my own opinion, Progressive Insurance used any tricks, deceptions, misleading statements or half truths to keep from paying a legitimate claim. I wonder how badly Progressive treated their own policy holder.

My advice is the same as others I have seen, if you are hit by someone who is UNFORTUNATE enough to be paying Progressive for insurance, go to your own company first. They should go to bat for you and help make things right. My state has a new law that is the culmination of years of insurance company abuse against its policy holders by unreasonably denying of delaying the payment of valid claims. The law requires insurance companies to pay DOUBLE damages if they don't pay what they own when they owe it.

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Progressive Generalizes
By -

4 years ago when I first bought Progressive, I chose the company because they gave off an honest impression. I knew that my rates would be high at first especially since I already had a fender bender on my record. As 2 and 3 years passed by without any decrease in my payments, I remained patient thinking it was because of the accident I had before joining them and eventually they would respect me as a valuable customer who always made his payments.

After this infraction expired from my record I naturally assumed I would see a well deserved decrease in my premium when it renewed. I did not however and that prompted a customer service call to find out why. The lady I spoke with was very nice and professional, (kudos to her) she figured out a way to cut my premium by eliminating some excessive coverage. She took me down to the minimum legal coverage amount of liability and my premium was lowered over $150. I was very happy after and progressive was at the top of my list.

3 months later my policy was renewed. I was shocked to find my premium cost had gone right back up to $700, worse so because my coverage remained at the lowest amount. I was paying the same amount 6 months before for higher coverage options. This of course prompted another call.

I had to seriously probe the reason for the bill hike up from the guy I talked to. He eventually spilled the beans. He told me it was probably increased again because I had bad credit. He was right, later in the year when I checked my credit report the few companies that searched for my report included Progressive. This company completely generalizes you. Their statistics tell them that people with bad credit are bad drivers.

In all honesty even though I have bad credit I am a good driver. I had one fender bender in 2005 and have never got a speeding ticket. I can barely help the fact that I have to pay my rent and bills and don't make enough to pay off my debt. This has recently changed and for 6 months I have been working 2 jobs all day and night to barely get ahead. I am slowly repairing my credit now. This to me though is incredibly shady and bad business practice. I only have a couple months left to pay these corporate jerks and I'm doing my research to find another institution that is in no way related to Progressive.

Have you seen their new lame commercials. One of them even says "do you own a house? discount" bla bla bla.
I am hoping the bad karma of this policy will float their way soon and they lose all the poor people paying extra for the wealthy people to get discounts. This is very backwards.

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Progressive Low Rates, Big Headaches, Avoid at All Cost
By -

DES MOINES, IOWA -- On September 23, 2008 I was involved in an accident with a motorcycle where the driver hit the passenger side of my vehicle with his mirror while trying to merge into my lane due to lane closure ahead of us; causing $1000 of damage. The other driver asked me to take it to where his mother was a manager of a body repair shop which I did, she asked that I give her son a day to call his insurance, PROGRESSIVE because of the cost of repairs. I waited 2 days and the other driver never called Progressive.

The adjuster did estimate the damage two days later and said he needed to complete his investigation, calls me that afternoon and finds fault 60%/40%. At this point I am shocked, 40% at fault because I didn't see him hit me? I decide to let my insurance co, USAA handle the claim. In the state of Iowa you can NOT sue if you have coverage. I am really upset and explain this to my adjuster. To date the other driver has refused to contact my insurance company and give a statement and the Progressive adjuster has refused to give my insurance company a copy of the other driver's statement.

USAA contacted Progressive to let them know they are taking the case to arbitration. The Progressive claim adjuster call me two days ago to let me know he has sat on the arbitration board and I'm going to lose and is offering 80%/20% FAULT. He says you were speeding up, not exactly true: I was accelerating from a stop at a traffic light and not even 1/10 of a mile the other driver hits me.

The adjuster says he's looking out for my best interest. My insurance company is going to lose so explain why Progressive would offer more money. That doesn't sound like Progressive at all. I stayed calm and told the adjuster I would need to speak to my husband and immediately contacted my insurance company. Progressive looks out ONLY for what is BEST for PROGRESSIVE. AVOID, AVOID, AVOID AT ANY COST!!!

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Terrible, Expensive, Hidden Fees, Difficult to Deal With
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

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 lapse in coverage.

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Hire an Attorney
By -

I was hit by old dump truck (covered by Progressive) while driving on the interstate. It put me in a spin and I t-boned a pickup and then ended up down an embankment backwards. He kept driving down the highway until something flew off his truck and struck the Honda that had been behind me and witnessed my accident. She told him what he had done to me and he drove back to the site of my accident. The State Police found over 15 violations on the truck and towed it away.

I suffered neck and shoulder injuries. I tried alleviating the pain with 6 months of physical therapy until the therapist referred me to an orthopaedic surgeon. I then had shoulder surgery to fix a separated shoulder and several tears in the labrum.

I kept my insurance company informed of my medical progress and didn't even talk to Progressive. They called me and I told them I was under a doctor's care and would contact them when I was released. I decided to hire an attorney and was glad I did. I gave them all of my paperwork and he got me an excellent settlement. There is no way I would ever attempt to collect from any insurance company when I'm involved in an accident. Sure the 1/3 the attorney gets really sucks but all insurance companies will screw with you at every turn.

Also - the medical coverage on your own policy is worth every penny! I collected $10K + $10k because there were two vehicles involved and my medical bills were over the $20k mark. I had never had medical coverage until I was covered under my 2nd husband's policy. Now, I will never drive without it. The medical coverage is not subject to subrogation (sp) even though my health insurance company attempted to collect those funds. My attorney didn't even get any of the $20k! Pay the extra for that coverage. Just my 3 cents worth!

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Progressive Auto Insurance Rating:
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1.3 out of 5, based on 46 ratings and
128 reviews & complaints.
Contact Information:
Progressive Auto Insurance
6300 Wilson Mills Road
Mayfield Village, OH 44143
440-461-5000 (ph)
www.progressive.com
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