SAN CLEMENTE, CALIFORNIA -- Last July my 18 year old son was helping a friend’s mother move her belongings from Big Bear to Orange County using her Suburban. While there, he backed into a Subaru wagon, causing minimal damage to the driver’s side fender. Information was exchanged with the owner. What was a minor event has turned into an absolute nightmare with harassing and threatening phone calls from Progressive insurance subrogation and even Sunday morning automated phone calls from their collection agency. As it turned out, the friend’s mother did not have the vehicle insured and is in a financially precarious position, something my son could not have guessed as they were moving from one nice house to another and the Suburban was a late model vehicle. So, instead of going after the owner of the vehicle who was reckless and indifferent to tell anybody to drive her vehicle, Progressive decides to go after the easier Target, the young adult. Three lessons learned from this. 1. No good deed goes unpunished. 2. Always check if a vehicle is properly insured before you drive it. Don’t be embarrasssed to ask the owner for proof of insurance. 3. Do not deal with an insurance company that has such a deplorable practices and preys on young adults. Progressive doesn't even have the courtesy to respond to written correspondence by my lawyer. That should tell you how arrogant and indifferent they are. They think they can get away with anything. Even though it may end up costing me more in time and money, I have decided to take this to court out of principle.