Progressive Insurance - Dropped me with inadequate notice after 15 years
Auto Insurance - Complaint
PORTLAND, OREGON -- I have had Progressive Insurance since May 1998. My policy has been paid automatically for at least the last 10 years. Ive never had a claim with them and haven't had a ticket for 5-6 years. Last September they raised my rates 40% for no reason. When I called for an explanation, Progressive said that the entire state of Oregon will be raising insurance rates due to some new law. We then talked about lowering my rates by going "paperless" and prepaying a 6 month policy rather than paying every month. So I prepaid for 6 months and was content. Last Friday, 5/3/13 I was rear ended by an insured motorist. So I call my insurance company from the scene of the accident, file a report, receive a claim number, and waited to hear back. 4 days later I after leaving 4 messages with my Progressive "adjuster", she finally called me to tell me that I didn't have insurance with them anymore. That it expired on 4/2/2013 due to non payment of renewal. In 15 years I've never had to do anything to renew. Its always been automatic.
Then they proceed to tell me that 6 month policies don't automatically renew, and that I was supposed to call, mail, or pay online. Again, in 15 years I've never had to do this. AND, they even sent me new insurance cards good 3/2013-9/2013. They had an old email address on file so I didn't get the renewal emails. They never mailed or called me. ONLY email. All of the billing information they had from me was current, all they had to do was charge me. I had no idea that I didn't have insurance. Never had a lapse in all of the time I had them. So then I asked them if I reinstated my policy if they could still help me. The other insurance company of the guy that hit me is taking 100% liability, and it costs my insurance company nothing. Just time to help me in dealing with the other insurance company. THEY REFUSED!
They took my money for 15 years, and the one time I needed them, mysteriously my policy didn't renew, and they gave me the cold shoulder. So much for their commercials about "being there" for their clients. Why would they send me new insurance cards for a policy that didn't renew? Why would I call them from the scene of an accident if I didn't think I had insurance with them? Why didn't they tell me when I called from the scene of the accident that I didn't have insurance? Why not send me something in the mail or a certified letter? And once again, there was 0% liability to them in this situation.
STAY CLEAR of Progressive insurance! They WILL screw you over if given the chance.