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. Its 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:
1. call the police for an accident report
2. call for an ambulance to the emergency room regardless of how I feel at the time of the incident
3. 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 states Insurance Commissioners 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 Commissioners 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.