Progressive Auto Insurance Complaint - Deceptive repair coverage
Progressive auto insurance representatives misrepresented repair coverage. They stated that my premium priced policy would repair with OEM grade parts. After 30 years without a claim, a bull moose charged my car (yes, they do run at the headlights). Although I was almost at a stop, the moose caved in the plastic grill, wrinkled the hood and fender and broke out the headlight. I was told all was well and that I could take to any shop. However, a few days later, the adjuster said I could not take it to any other shop but theirs. They stated I would be responsible for any costs above their estimate. They also stated that their shop was authorised to use junk yard parts and even mentioned the local junk yard. If there were no used take off parts, they were allowed to use imported sheet metal. I would have pay for U.S. made OEM sheet metal myself. When I asked to see that in my policy, they said it was in a policy amendment. I am a retired federal employee that drive but 25 miles a week and was a professional driver with an outstanding driving record. I found out that I was paying 50% too much for poor coverage and was about to change policies when the moose collision occurred. I was also told that this was a non-chargable incident by the first representative and then I was told that this was chargable as my car was "in motion." The Progressive shop was not recommended by locals but now I will have to thousands to get it repaired with OEM parts. The Suburban is cherry without a scratch. If I had been told that car was too old for OEM or I was restricted on shops or had to accept junk yard parts, I would have not bought the policy. Considering the high premiums, I could have simply dropped the comp coverage, saved the money and accepted the loss and just bought a new car. This would not have been so bad if the agent did not attempt to use phrases indicated she thought I fell off the turnip truck yesterday. Her language was insulting.
I cannot recommend Progressive Insurance.