MAYFIELD VILLAGE, OHIO -- I had Progressive auto insurance for more than 10 years. My wife had an accident back in June 2010. She was struck on the side by a irresponsible driver, no license and no insurance. My wife had a broken ribs, broken ankle, broken pelvis, concussion on liver and kidney and they had to remove spleen and pancreas. She spent 12 days in the hospital, 1 day in ER, 2 days in ICU and 10 days in recovery room. She's been in physical therapy since then until today, Feb 15, 2011 and still more to come.
She is disabled, I been having to work from home with the danger of loosing my job, I work and take care of my children's education and home shores and many other things that she was capable of doing.
When I submitted the claim to progressive, the only thing I got back from them was finger. Not a single penny was paid. The looked for all possible excuses to deny payment, they used the most ridiculous reasons for not paying for anything. ER, ICU, Hospital, physical therapy, wound care, recovery room services, surgery services, orthopedic services, pharmacy expenses, disability items like wheelchair, walker, hospital electric bed, etc, etc, etc, all 250K dollars and didn't get a penny from Progressive. Progressive is the most dishonest company ever. I don't recommended Progressive even to my worst enemy.
I was paying $68 a month with them and got the minimum coverage, if I wanted more it could cost double the monthly fee. Geico gave me full coverage and 500K accident coverage, 10K coverage, any incidental/accidental (broken window, stolen stereo, etc) coverage for my vehicle with a deductible of $500, car rental reimbursement and a lot more FOR $55 a month.
Progressive is reliable and all you see in their commercials is false. they will not be there for you if have an accident. The same goes for Fred Loya Insurance. They are both the same, SO YOU TAKE THE RISK or wait until you have an accident (God forbid) to probe what I said is true??? Stay away from Progressive because the only you will get is freaking laser scan from that stupid lady in their commercial, no refunds.