Progressive Motorcycle Insurance Reviews

When I reported this loss to Progressive, they insisted on towing the remnants from Flagstaff (where the wildfire was located) down to Phoenix to be assessed for the damage, even though I had sent them pictures of the burnt frame, which is all that remained (even the engine and wheels were gone). They stated that they needed the frame's VIN number. I had to plan a trip up to the burn area to meet with the tow truck operator to point out the wreckage, as I also had several off-road ATVs that were also lost in the fire. The towing company could not give me an exact time, so I had to be nearby the burned property during a 4-hour window when they might show up.

Once the truck arrived, the driver refused to pick up the wreckage because it was too far back in what remained of the garage, and he was going to have to move some other objects to get to the motorcycle frame. Fortunately, I had another person there with me, and together the two of us were able to make enough room for the tow truck's winch to hook up to the motorcycle's frame and drag it out and onto the flatbed of the tow truck. Then the truck left, and I never knew where my frame ended up. I did receive a message sometime after, confirming that my motorcycle was indeed a total loss. They failed to offer a settlement amount which was enough to replace my motorcycle.

My 2009 Can-Am Spyder had just 4000 miles on it. This bike was always garage kept and never was ridden in rain, mud, snow, or anything that could cause any cosmetic or mechanical damage to it. I expressed my disbelief about the amount and even sent many examples of comparable motorcycles for sale within 500 miles of my location.

The people at Progressive told me that they didn't need to provide enough payment to purchase another motorcycle, just the market value. Okay, market value seems to me to be the amount to purchase a like model vehicle. Makes sense, right? I never asked to have any kind of vehicle to use since mine was burnt up. If it were my only means of transportation, this might have been the case. What if it had been stolen? What if it could've been repaired? Then, I would have needed a temporary vehicle to drive. I never asked nor was offered any of these. At any rate, I will never recommend Progressive insurance to anyone and will never use this company again. I thought this was a decent and reputable company, but it turns out they are neither.

I politely explained that this wasn't true. No joke, I simply explained politely and calmly that tow trucks are all over the metro operating on weekends. One just drove past me while we were on the phone. She got mad, told me that "if you run the towing why don't you just call one!". I calmly and politely replied that it was ridiculous that I've paid Progressive for this service and they are unable or willing to deliver. Then she hung up on me. Don't use this company, liars, rude, liars.

Progressive came back and confirmed they were totaling it out and offered me about 40% of the actual value of the bike. I refused and went back and forth with them/attorneys and their reasoning for the lower amount was that the bike is currently not drivable and not in good condition... after the accident. They're refusing to give the value of the bike as it was before the accident (I sent over maintenance receipts, photos of the bike right before the accident, affidavit from my mechanic who confirmed the bike was in excellent condition and the tires, brakes, seat had all been recently replaced and a sound system added). Lawyers talked to them about all of this and came back with an even lower price for no good reason. I'll be switching insurance and lawyers immediately but the way Progressive handled my claim was a joke compared to what I paid for coverage. Will not recommend them to anybody going forward.

Progressive hides behind the fact that they use a separate agency (Agero) to handle towing so whenever you call to give feedback on the experience they act like it's not their problem and run you through a bureaucracy pipeline that makes the department of motor vehicles feel like a vacation. They do this to wear you down and give up on trying to pursue recourse for their terrible customer service.

If your experience was slow or the staff tried to overcharge you for something covered by your policy, they always say, "You'll have to deal with Agero directly, it's not our problem" and refer you to an email that never gets answered. Progressive clearly doesn't care about customer service or keeping detailed records of their cases which is the worst feeling when you're stranded in the middle of nowhere.

When I call they often have no idea what tow I'm talking about, or what was discussed on a previous phone call and use that as an excuse to not help because they have "no record of this ever happening." I've used roadside assistance twice this year. The first time they left me stranded on the side of the road for 5 hours, a long time to wait if you're only wearing motorcycle gear in 40 degree weather. The second time they tried to overcharge me for my tow. They said they would send me a gift card as an apology and it never arrived even after I called them 5 times over the course of 3 months to follow up about it.

When you call Progressive to give feedback about the experience they tell you that you have to work with Agero directly. I don't care how your internal departments work, Progressive, this is your responsibility. It makes me wonder how they'll handle a future claim in the event of a serious accident when I need medical attention. I sure hope Agero doesn't also handle their medical claims department, or else I'd probably be swindled into paying full price for something that again is covered by my premium policy.

I called them yesterday to give this feedback and they said they would follow up but never did, so now I'm writing this review in hopes that someone thinking of getting motorcycle insurance through progressive will reconsider. Get Geico and AAA, they're great. Once my policy is up in June I'm switching to Geico. Very disappointed, Flo.

Happy to say I've bought another bike, still with Progressive and my adjuster is elated of my new purchase. Not only a business relationship but a new found friend on two wheels! My rate will not increase over this and they went to war for me with this other insurance company trying to dupe me into thinking my bike had zero value after I knew it did! Thank you Progressive! I feel even more safer on the road these days! Not sure why others have such a hard time. I never had the first issue.

Note: Legally those are no different. So it has now been several months of administrative processing with me missing work time to go to the county and state offices to: apply for a title, get rejected due to it being marked stolen (Progressive suggested I get them to mark it "un-stolen" so I could get the title, which is not legally possible), pick up a new police report, apply for a reversal of title rejection, and cross my fingers hoping that some kind soul in the capital will have mercy on me and release the title so I can get my reimbursement. Meanwhile, Progressive failed to stop charging me monthly until today, 2 1/2 months later, when I called to ask why I was still paying for a policy when I didn't have the bike anymore. $120 refunded instantly... But I had to ask. Use caution insuring with Progressive, even the auto detective working my case couldn't argue them into cooperating.