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 adjusted 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!!!