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 adavance. 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 Empor” applies to any and all who deal with Progressive.