On a beautiful clear day, my Grand Cherokee Limited was struck in the rear by a driver insured by Progressive. The police came and issued a ticket to the Progressive driver for traveling too close. Not for "texting while driving" which is a crime in this state. But the Progressive driver admitted liability and fault with no attempt to lessen responsibility. Their car was totally destroyed.
Then came the Progressive trickster. They offered me a "settlement" that was lower then the cost to repair my vehicle. I found that the Kelly Blue book placed the value of my Grand Cherokee at 7800.00. I was told that if the value of the repairs were greater then the value of the vehicle, then the vehicle would be declared a total loss. From a highly rated repair shop, I got an estimate of 7200.00. LESS THEN the value Blue Book Value of my Jeep. There should have been no problem.
The Progressive Trickster said that Progressive does not use the Blue Book, they use NADA, which had the value of a similar vehicle at 5725.00. The problem was that the price quoted was for a different engine and different body style.
I obtained a Market Valuation Report for my Jeep, which is a lengthy fur very fair market appraisal for a vehicle. It showed the value to be at 7300.00. Again lower then the repair costs. I was then told that if the repairs exceed 70% of the value of the vehicle, then the vehicle will be declared a total lost. BUT....The Progressive Appraiser gave me a repair quote of $5000.00.
The Progressive Trickster said that Progressive had to take the HIGHEST repair estimate, which means they IGNORE their own appraisers.
After too much time being spent as a victim of a Progressive Policy Holder, I took the issue to my own insurance company. They will issue me a check that is very close to the repair cost and go after the money from the driver of the Progressive client.
In my own opinion, Progressive Insurance used any tricks, deceptions, misleading statements or half truths to keep from paying a legitimate claim. I wonder how badly Progressive treated their own policy holder.
My advice is the same as others I have seen, if you are hit by someone who is UNFORTUNATE enough to be paying Progressive for insurance, go to your own company first. They should go to bat for you and help make things right.
My state has a new law that is the culmination of years of insurance company abuse against its policy holders by unreasonably denying of delaying the payment of valid claims. The law requires insurance companies to pay DOUBLE damages if they don't pay what they own when they owe it.