I recently switched to Progressive Auto Insurance from Amica Auto Insurance. Murphy's law: I get into a minor accident which resulted in another car clipping my passenger side mirror. Total cost, about $40.00. Not a big deal, but to be safe went through the motions of insurance claim.
First I contacted Prog. through their online claim. A representative contacted me three times that day. Once we touched base, I gave a recorded incident report. It was at this point they said they would be sending me a written report to fill out and draw a diagram. Through email I downloaded the form, filled it out and faxed it to my representative that day.
Progressive then emailed me with the contact information for the other car's insurance company (Travelers)
I called them as instructed and left another recorded accident report statement. Travelers Ins. then sent me an accident report to fill out. Repeating the Same information I said, and wrote for Progressive and said to Travelers.
Now I feel like my statements and written information is redundant and inefficient. Aggravation is peaking, as I'm paying monthly payments to this Insurance company but feel like I'm doing all the leg work for this claim. Now, it could be because I'm inexperienced in this area. However... I have been in one other accident, filled out my info online, spoke to a representative once online and everything else was taken care of.
I'm beginning to think that the reduced prices at Progressive comes at quite the cost. If you don't get into an accident, insurance with Progressive is fine. If you do get into an accident, you better hope you paid for them to do all the work.
I am a 15+ year customer of Progressive with no tickets, accidents, and I have never made a claim. A few weeks ago someone parked next to me in a parking lot in an SUV opened their tailgate causing their spare tire carrier to swing around and the tire put a little dent in my fender. Total damage: around $800. I took a week off from work to get it fixed. The claim problems began when claim representative Stephanie declared this was a COLLISION and not a comp claim, thereby increasing my deductible from $250 to $500 even though the paint was unscratched in and around the dent.
When I tried to argue the point, she called me a liar and accused me of attempting to defraud her of the $250 difference! Then, after I got my estimates and decided on a body shop, Progressive's estimator didn't show up as promised for several days causing me to have to pay a week's worth of additional rental car fees to get to work.
This tiny claim was a nightmare. Claim Rep Stephanie was a heavy handed unprofessional bully whose primary motivation was obviously geared more toward her 'no claim payout' bonus check than to helping me get back on the road. For 15 years Progressive was great at accepting my payments. But when it finally came time to make a very small claim, the friendly demeanor was gone. Never again.
My son and I both had our trucks vandalized a few weeks ago; we both had 2 tires slashed by neighborhood punks. I have State Farm, my son has Progressive. The Progressive agent just left our house (after taking almost 4 weeks to get here), and told us my son would be getting nothing back from his claim, because the cost of buying tires IN THE SAME CONDITION AS THE OTHER 2 ALREADY ON THE TRUCK, was less that his $500 deductible. They wanted us to buy USED tires to replace the slashed ones, which were less than 1 year old. He had already bought 2 new tires because Progressive told him not to do anything until the agent saw and evaluated his slashed ones.
So he was expected to sit and wait 4 weeks waiting for the adjuster to show up before he could use his truck! His couldn't wait, of course, and his cost for 2 new tires was $1200. He had a $500 deductible, and Progressive says they will pay nothing. I my State Farm agent the day we found the slashed tires, and they told me to go buy 2 NEW tires and send them the invoice by fax. I had a check in 4 days, for the full amount of the tires, minus my $250 deductible. Progressive? How about renaming them Regressive! State Farm never even sent someone to examine the tires. Is State Farm more expensive than Progressive? Not when Progressive refuses to pay their claims!
RANCHO CORDOVA, CALIFORNIA -- I have been in an accident. I am fine, but my car was rear-ended by a non-insured driver. My car is a 1991 Ford Mustang 5.0 convertible, it has very low miles (53K). I have had this car for over 17 years, and it's like a child to me, it had been in storage for 6-7 years, which explains the low miles and the good condition. The car had $4300 damage in the accident, I had gotten several official estimates.
The car is not in perfect condition, but I would consider it in good condition for the age of the vehicle. I have over the last few years been restoring it in my spare time. I bought replacement (original Ford parts) for the bumper, fenders, seats, carpet. The vinyl top has been replaced, the transmission rebuilt. It had been maintenanced regularly. There was some additional trim work to be completed, and then all it needed was painted. The car then would be in near excellent condition.
My issue is that Progressive Insurance will only pay me $2400 and they keep my car, or pay me $1800 and I can keep my car. I only want my car fixed. They say the value of the car is less than the repair cost. But they have not shown me their research where I can get the exact same condition car for $2400. Or I could take their money and buy one, which in reality, I would be afraid to do, as I know the history and care I have given my own car. I don't want to have my car replaced with someone else's problem car.
LAKE OSWEGO, OREGON -- I purchased an RV and planned to live in it full time. I wanted to be fully covered so I called many companies to make sure I got the right insurance. I spoke with ** 3 different times for over 1 hour total. He promised me that he knew how to insure a full-timer. I told him everything we had in the RV to make sure we were covered. He had me purchase an additional $10,000 Full Replacement Cost coverage for my computer and ham radio equipment on top of the full coverage policy. I believed him.
6 months after I purchased the Progressive policy from them, I was parked next to a building that took a lightning strike. The adjuster came out to look over all our ruined electronics. I had $6000 worth of damage. I was glad I had purchased the extra insurance. But WAIT! $10,000 FULL REPLACEMENT COST does not mean $10,000 full replacement cost. It ONLY means UP TO $2,500 per category AND It only means UP TO $1000 per item!! What a surprise. They would only pay me $3000 for the $6000 in damage no matter that I paid for FULL replacement cost.
This company is a rip off either because they don't know how to insure people or they are dishonest about it. I wanted to make sure I was covered. ** did not take care of me. They said there was nothing they could do and I should buy more coverage in the future. Buyer beware.
RIDLEY PARK, PENNSYLVANIA -- A strong word to the wise...be prepared to 'reap the whirlwind' if you ever have to rely on Progressive for any accident claim. I signed up with them almost a year ago at the behest of my agent. They never had any issues with me paying my premium up front and in full and in advance. However, I was recently involved in a minor accident where another car veered into my lane while I was attempting to pass. Though the police inferred I was at fault, I am in the process of contesting that. But my complaint deals with another dimension entirely. The accident in question transpired away from home.
I reside in PA but make frequent visits to NJ owing to the fact my friends and family are based there. It was during such a visit this accident transpired. When I went to make a call regarding the accident claim, the Progressive agent took the required information and stated that a claims adjuster would be contacting me the next day and also asked for a secondary number to reach me. I specified a time and a place to do so since I was away from home. Turns out the adjuster called at a time of their choosing and contacted my father's residence. He had no idea who was contacting him and was asked by said adjuster of my whereabouts.
My father mistakenly stated that 'he lives here' (in NJ) as opposed to my residence in PA owing out of confusion and that I do spend some of my time in NJ (including working there in the summer). This aroused the suspicions of the adjuster and I contacted him at his behest. Thinking he was eager to get my information regarding the accident, it ended up turning into an 'interrogation session' questioning the validity of my residency in PA! I told the adjuster that I was a bona fide resident of the address of which my policy was registered to and that my father owned the house of which I along with my grandfather reside in.
I relocated there about a year ago to help him out and established my residency there, and of course I am licensed and insured in the state of PA. However, since I make frequent visits to my former residence in NJ (I have 2 friends who rent an apartment there I used to room with and stay with from time to time) as well as my parents and siblings, I am now under suspicion of being a valid resident of my primary residency! The adjuster was rude, abrupt, snarky, and dismissive...and inferred that he would conduct a 'thorough' investigation of the veracity of my residency.
After so much of this, I told him that we were supposed to be discussing my accident and not of this nonsense of where I resided! That portion of the conversation was almost an afterthought. The rep concluded I would be found at fault (the other driver struck my rear without using a turn signal or braking) AND stated that if no 'sufficient' proof could be established of my residency in PA, I would be liable for any damages if found culpable. Ludicrous! Also, at the very least, I am likely to be dropped for 'garaging' (don't worry, after such a hostile reception I *WILL* be dropping them in any event).
Regardless of how things turn out, I plan on spreading the word of the substandard, abrasive, and devious tactics this company has deployed. Forget the lure of low rates. When push comes to shove, Progressive becomes Oppressive. To date, Progressive dispatched several certified letters to my former address in NJ as well as merely 2 such letters at my primary residential address. I have been traveling for the last couple months and have not been home often.
Imagine my surprise to find in said letters: "as a result of not cooperating with our investigation process (I already informed them of all pertinent information) we have decided to deny you any and all coverage regarding this accident". Then, they mention something regarding "total costs to date" using some form of convoluted process of calculation bringing me a bill for just shy of $3000. Amazing! These expenses weren't even
itemized and contained no explanation of their basis.
The car that was damaged in the accident (the one that struck me to begin with) is an older car that sustained minor damages and is not even worth more than $1500 at best according to the Blue Book Value. And that is what is generally used as the basis of providing a deductible. I intend to challenge this organized band of crooks to the best of my ability. "Caveat Emptor" applies to any and all who deal with Progressive.
DENVER, COLORADO -- I've been a Progressive customer since 2002 and have comes to terms that with this insurance provider loyalty, and exceptional driving record and good credit mean nothing. Previously, I shared a policy with my son and before the recent increase we were paying $236.00 per month for one full coverage vehicle/one liability coverage vehicle; which was still okay, I thought…
About four weeks ago, I received a notification of a $60 increase with no reasoning why other than “rate increases”. I knew then I needed to start shopping around and since my son purchased himself a new vehicle we feared this was going to be an issue with cost.
Through Progressive his insurance on the new vehicle was close to $450 dollars, so he decided to part ways with Progressive purchasing coverage through Esurance for $300 dollars, $150 LESS! I thought, well good for him and looked forward to having him removed from my policy to bring down my rates of carrying a young driver with Progressive. Needless to say by removing his vehicle from my policy I was looking at an increase that would cost me $360 a month for just myself.
($360.00) No way! I asked why and was told that since I am taking a vehicle off my policy I lose the benefits of a lower rate. Unacceptable, plain and simple. So, today I cancelled my policy after 12 years. They did not care whatsoever which was disheartening. But on the flip side of things… I called Esurance and for the exact same coverage and because of my driving record I was rewarded. Moving forward my insurance is $113.00, per month, again for the EXACT same coverage. So long Progressive, your high-priced policy won't be missed.
COLCHESTER, VERMONT -- I am EXTREMELY DISAPPOINTED in finding out that my rates have gone up because of some ** 'area rate increase'. When I signed up with your company I was quoted a fair price for my auto insurance. I now find my bill to be $10 more per month. I should not be lump summed into some category with other crappy drivers. I have an impeccable driving record, I pay my bills on time, and my payment and coverage should reflect that, not the driving habits of others in my area.
I will go ahead with this higher payment until my next 6 months are up. If I find that you have again raised my rate I will absolutely drop your insurance and I will report you to the Better Business Bureau as a company that misrepresents its promises to its customers. So much for good business practices in our world today.
CALIFORNIA -- Over a year ago my son rolled back into a big American made vehicle parked behind him in our parking lot. He still had his foot on the brakes when he rolled back. Our vehicle is sandwiched between two full-size SUV's so reversing out is a bit of a challenge. I was watching him from my apartment window and saw the brake lights reflect in her car window but too late to yell at him. We were insured with Progressive. Her back passenger side door was slightly dented.
It was a wintery morning and he did not see the grey colored vehicle. We sustained a minor dent to our rear door where the tire is mounted which came in contact with her vehicle. Progressive paid $2400.00 to the woman. In California the driver who is reversing out is at fault regardless of road conditions, why that car was parked right behind ours so on. We called the company and reported the accident and expected them to fix her vehicle but $2400?
Our premium went up so we dropped Progressive but they came through for us after seven years of premium payments. I know it doesn't cost that much to fix a minor dent on one door so she milked the company for her older vehicle and bought a new Honda SUV. She parked behind my vehicle one day again in her daughter's older vehicle, I yelled at her she is not getting another dime out of my insurance company (AAA) to buy another new vehicle and to get the hell out of our apartment complex (she doesn't live here), and if I ever see her there I will call the police for blocking us and harassment. The insurance companies are crooked so are the people today!
BALTIMORE, MARYLAND -- I was sitting inside my parked car when I felt a hit; a car pulling out of a parking space back-ended my car. I got of the car to speak with the driver who blatantly denied hitting me despite all the signs on my car (my bumper was dented, a lot of scratches and damage to the sensors on the driver side) and her car. I asked for her insurance info and her ID she refused to give me either one.
That forced me to call Montgomery county police, at which point the lady decided to give me her insurance information. I took a picture of the damages on both cars as well as her insurance card. Police stated that they would not come if no one was injured. I didn't think I needed a report as physical damages to both cars would be evident.
I called Progressive to report the accident, they scheduled me to get an estimate, I went to their office in Glen Burnie, got my estimate. They said the sensor on the back, they wouldn't know until Lexus dealer looks at the damage. A week later they called to tell me that it is my words against her words and the measurements do not match so they are not responsible. They stated after reviewing the damages: "not consistent to a car hit, looks like a vehicle hitting a solid stationary object". Absolute lie.
So why would I have a stranger's insurance information if she did not hit me/ Why wouldn't she ask for my information if she thinks I hit her? This is absolutely NOT acceptable, Progressive insurance NEED to take responsibility and PAY for my damages.