SIOUX FALLS, SOUTH DAKOTA -- On April 5th, 205 my daughter and I were involved in a rollover accident. We were hit by a woman that was sited for failure to yield, driving on a suspended license, and NO insurance.
I was not sited for anything and given the severity of the accident we were lucky to be able to walk away from it. I did have insurance with a different company but it didn't do anything to cover our losses. Our car is totalled, and we ended up selling it to a man for parts at which point we dropped the coverage on the vehicle.
Now here is where Progressive comes in. A good friend of mine agreed to let my husband and I use one of her cars but it had to have insurance. She wanted to make sure that if something happened, (i.e. another accident) that both of us would be covered and suggested Progressive because she knew they handled "additional interest". So I went ahead and called the 1-800-PROGRESSIVE.
I initially spoke with a wonderful rep by the name of Shasta, who was helpful and set up with what I thought was a good deal. Until we talked about payment options.
I dont have a checking account or a credit card. This is apparently all they deal with.
No I can't send it by mail.
No they wont take it out of our savings.
No we cant use our debit card.
Well how about if we go to a Progressive agent here in town and just bring in the quote we got and pay them?
They are not connected to Progressive and dont use the same database. No can do.
So I go online today to pull up our quote and it informs me that "this quote has already been purchased" WHAT?!
So I am back on the phone with them and they can't explain what is going on then ask for my quote information again. At this point the quote goes up an additional $110.00. WHAT!? WHY?!
They ask me if I have had continuous coverage for 6 months and I say that we dropped the insurance on the vehicle that was in the accident. To which I was told that I wouldnt be carrying "continuous coverage".So basically what they were telling me was that I should have kept and continued to pay insurance for a car that was no longer functional and that I no longer HAD? WHAT!?
The accident was not my fault but I see that I am the one who is going to pay out my nose because of it.