I switched from American Family to Progressive in Sept 2010 because they have been my motorcycle insurance carrier for over 2 years and American Family decided they should be making more off me, which is totally understandable because my driving record is terrible. I just totaled my 2006 Chrysler Sebring Touring convertible about a week ago. I had a couple issues with my claim:
The first issue was Progressive had the wrong VIN number. In 2008 I totaled an identical Sebring convertible and American Family never updated the vin on their files. So for over 2 years they had been covering a car that I hadn't owned. When I switched to Progressive I gave them the VIN off my American Family policy. Yes, it should have been correct on my AMFAM cards and policy, but I should have checked it. So after I made my claim, Progrssive and I fought for 2 days about my current Sebring having been a prior salvage already. Once the adjuster went out to see the car we all discovered the VINs didn't match. My former agent from AMFAM stepped up and took responsibility for the mistaken VIN. Thank you American Family, sincerely.
The second issue is they offered me a serious low-ball on the value of my car. I meticulously maintain my vehicles. They are spotless inside and out. No major paint defects or dents, no engine lights, no issues ever. The adjuster commented on how beautifully maintained he could tell my car was before the accident. They offered me $8200 after the deductible. I had a $500 Python remote/alarm system and $500 aftermarket heated seats. The "inferno red pearl coat" color was also an additional cost over the other colors. It had 1 year old tires as well. And there was also a 100k mile extended warranty and the car had 68k miles on it. Of course I have no receipts to prove any of the aftermarket stuff or even the tires. Lesson learned, DO YOUR RESEARCH and KEEP ALL YOUR OLD DOCUMENTS AND RECEIPTS when you're making a claim.
I ended up getting just over $10,000 after fighting with my reprisentative and showing him five comperable vehicles nationwide and speaking with his supervisor. He tried to tell me that my car was selling for $4400. I found that car he was talking about and checked the VIN to find out it was a salvage, it absolutely did not compare. Red Sebrings in the trim level lower than mine with cloth seats, no new tires, no warranty, no spoiler, no heated seats, no remote starter, and higher miles were going for $9,900 on sites like autotrader.com. My reprisentative's supervisor agreed to a $9,000 base price with 50% of my remote start cost and heated seat cost plus tax, license, and transfer fees.
Overall I am happy enough though I feel I put in way more effort than I should have had to. I now hate that I do not have a direct agent to speak to, you're assigned a reprisentative when you make a claim. If I could afford moving back to American Family, I would. I will be looking for a new insurance company for my new car and my motorcycle.