Progressive Auto Insurance Reviews

On Thursday (6/9/11), I received a call an hour after mentioning that I would be getting a lawyer, and was told that they would change the value reduction due to the prior salvage title from 42% to 35% and waive the $500 deductible bringing my new settlement up to $6000. My vehicle is worth $11,600 according to NADA. My husband's bank printed out something stating the value is approximately $11,000-11,500. A dealership printed out a black book value stating the value between $10,500-11,000. They are just not budging! Please help!

I have no points on my driving record, and was not aware of their high rates. I am paying more than $900.00 every six months. I was sent letters some are attached with this letter. I explained to the local office that my drafts were being returned because the draft date did not coincide with my or their draft date and I was told by Naomi, that beginning April 2011 my draft date, at my request could change by ten days which would make my draft date near the end of the month which would not have caused returned drafts.

My credit union said that because of so many returned drafts, they would cancel my entire account after more than twenty-five years with State Employees Credit Union, after I spoke with the manager, Steven ** who obviously didn't listen or hear anything I spoke with him about as to why the drafts were being returned, and he even ran me copies of bank statements that involved the returned drafts. Some of my return drafts were the fault of the Credit Union and I plan to address this issue to the proper authorities, because there was a complaint by me to Mr. ** concerning the manager at the Hope Mills Branch which caused a returned draft.

My Mother's name was on my Progressive Insurance about a year or more because of another situation where she was coerced into signing, rather than being the co-signer on a car, and this issue will also be addressed to other authorities. The automobile was repossessed at my request because my mother is eighty-eight years old and has never driven or plan to drive in her lifetime. I addressed this issue to Progressive, but it took over a year to remove her name because the local office said that as long as she is the co-signer, her name would remain on the insurance, and that is when I realized that they didn't hear or listen to me a year earlier when I informed them of the re-possession of the car. Things would be less difficult if people would just listen.

When I called the main office to ask why my draft was not changed, I was told that it would have to be September now because it wasn't done in April as I was told it would be, so I then received a letter stating that I had been over-charged on one of my statements. However, I don't know how much I have been overcharged, I was never given an amount. I received a cancellation notice, because this company hasn't heard or listened to anything I've said to them for more than a year.

Is it fair for me to lose my insurance because of people who should be in positions that they have knowledge of their jobs or one where Senior Citizens, like me, have to be concerned for our welfare because of situations like this should not be necessary in this emotional system?

This letter is the beginning of my many complaints that I haven't been, or had time for this because I chose to care for the elderly after my retirement, and I'm very proud that I did because they seem to be the invisible now. Please address this matter as soon as possible as my insurance is in the process of being cancelled again.

The adjusters that work at this location are complete morons. They are forcing our shop to repair damage that they recognize as being unrelated to the accident without compensation. The 'rule' they have set for us is, do it or get kicked off the Concierge Program. They are very biased toward a particular local body shop, which happens to be owned by an ex-progressive employee. When our shop is delivering cars, they will make us sit and wait for hours before they even look at our cars and then pick them apart.

While this other shop is being given the royal treatment, taking literally 5-10 minutes for their shop to deliver cars. The adjusters take one walk around this particular shops cars, and gives an okay to the car. They do not inspect at all. A local guy has launched a website, **, hoping to get more people in the collision repair industry to voice their complaints anonymously.

The thing is the people employed by the body shops, are so scared of losing their jobs, that they don't complain. I've joined the site and have voiced some of my concerns. We'll see, maybe it will pick up and individuals like the insurance commissioner,whom I've contacted twice, will actually take notice!

The Progressive Concierge Program is causing a very unfair shift in work flow. The number of redo's they are sending shops (due to unrelated prior damage or just the fact that it's the end of the work day, and they don't feel like delivering a car) is costing shops thousands of dollars. Body techs and paint techs pay has been more than cut in half as a result of this program, as they do not get paid for these unfounded redo's, so they are essentially working several hours a day for free. We now have techs losing their homes and everything they own as a result of the lack of income.

I had to replace all the light bulbs in the truck because there was a crack in the rear light. Progressive saw the damage but told the shop not to fix it. But then, I have proved to them it was related to the accident. So they bought new rear lights, but all the lights that connect to it that blew out was my responsibility. The only thing they took care of is what they could see. To top it all, Progressive said don't fix it on the shop. I had to work around it. I found one of the shops and the guy told me straight out I was gonna fix it but Progressive did not want to pay me to do it. So people don't always blame the shop that fixes it, they have to do what the insurance company says.

I filed a small claims lawsuit against Progressive for the difference between the check they sent me and the actual cost of repairs according to the estimates. We went to court and Progressive insisted that the driver needs to be in court. Now, the person that has been paying Progressive for insurance for God knows how many years is being dragged into court because Progressive refuses to pay for the full damages. Isn't that what insurance is for? Now, many months later, my car is still not repaired and I have wasted many days with bringing the car to their adjustor's office and sitting in a courtroom, and all I was doing was waiting at a stoplight.

My daughter suffered whiplash - for which she was treated and was in pain for several weeks; I had neck and back pain for which I was also treated; so I did not care to dispute whether or not there were "damages" with Ms ********; yet she continued to exclaim that nothing had occurred and that there were no damages and that I could handle my claim myself with Auto Club. She acted like a frustrated attorney-wanna-be and mishandled my claim. From then, the problems continued - until I requested that they transfer my claim to the Irvine Office.

I had to request supervisors and managers in order to have my claim transferred to the Irvine office (I live in Orange County - Irvine specifically). I spoke to a couple of representatives from the Pasadena office who were refusing to transfer my claim to the Irvine office until I was finally able to glean the name of their Regional Manager, Mr. David ********. I sent Mr. ******** a message via email and voicemail and have not heard from him to date; at this point, however, armed with the name of the Regional Manager, they said they would transfer my file to Irvine. I spoke to the manager in Irvine (Dania) and she was extremely helpful. Things seemed like they were going to be alright. My point, however, is that if I had been seriously injured and/or in the hospital, would I still be harassed, intimidated, bullied and told that I could handle my claim directly with Auto Club?? ?

My experience was so stressful and reprehensible yet no one has contacted me to discuss their philosophy at the Pasadena office. Finally, due to an error on the part of Progressive or Auto Club, they paid the car repair in full and sent me a check for the bumper repair. In February, they sent a letter from their subrogation department requesting I return those funds. At this time, I reminded them that they had not yet reimbursed me for the car rental I required while the vehicle was at the shop. Again, no response to my request from Progressive -this time from their Subrogation Department - regarding my rental expense of $346. So, I returned the overpayment minus my car rental expense and sent the check via Fed Ex.

I received a harassing call today from Catherine from the subrogation department - I told her I had been working with JD and would like to speak with him and was told that JD was not available and to let her know NOW what I had sent in the mail; I explained that I sent a check Fed Ex and there was a delay since I wanted to know what they were doing about my car rental expense and she repeated..."again...what did you mail"....over an over she would say this. She was very rude as well - condescending and disrespectful. I have been a Progressive customer for 4 years and have never filed a claim; filed a claim for which I was not my fault and was treated worse than a criminal. Then, they make a mistake in their accounting of payments for repairs and they are yelling at me.

This company did the he said she said game with the customer, causing conflict. We were not paid for the numerous trips and shorted on documented time because they have been to school and know all about repair time. You must provide a current invoice for all parts with a suggested retail or they will give you what they deem the retail and you will not like it.

If you do a job for this company, be sure to get your check before you start the job. The consumer should be aware that they may end up putting part of the bill when it is not covered by their assigned averages. By fa,r the worst claim experience filed with an Insurance company in the last 10 years. Even their so called "supervisors" are not helpful and do not return calls or follow up on an scheduled date. We are still waiting on the final payment that has been altered numerous times and is still very short. Frustrated!

The third time was devastating. This time, they stripped the entire truck! They took $3,000 wheels and tires interior, stereo equipment and other parts that were not covered under insurance. Probably, $7,000 worth of accessories. This part was annoying. Basically, since insurance didn't pay for these items, I was out again even with comp coverage; not to mention the $5,000 transmission that was still in the truck! At first, I was very discouraged reading all the horror stories of insurance fraud investigators: Stopped payment checks on repairs, denial of claims, etc. I dealt with a lady name Taunya **, who works for Progressive as a Fire Theft Insurance Person. At first, I was frustrated due to the length of time she told me it would take. They requested phone records, interviews, financial statements, etc. I thought, all of this was kind of awkward, but delivered what they asked for without hesitation. I talked to people and they explained she was just doing her job, which I understood.

After doing research online, I came to find out there are people out there being arrested for stealing their own cars, setting them on fire, staging accidents, etc. that cost them millions of dollars! When it was all said and done, they declared that the truck is a total loss and even offered to sell me the truck with a salvage title. It was very tempting to buy the truck back, especially with the $5000 tranny still in it. They wanted too much for the truck for me to be able to put it back together. They paid me via check for the total loss, which I thought was a very generous amount. I will continue to use Progressive and was satisfied overall with the process. Taunya was very professional and timely with communications, and more than fair with the total loss. People have to realize that they are just doing there job and have a regimen that they have to follow in order to keep our rates reasonable. Just be patient and comply with what they ask for. I miss my truck everyday, but after losing so much money on accessories, I don't think I will own such a flashy vehicle that is so attractive to thieves. When I do purchase a new truck, I will make sure my aftermarket parts are insured.

I had to contact the claim grievance department of Progressive and I required Korean translator even though I could speak English. The first thing that I begged to the Korean translator was to tell me the fax number so that I could send the diagram. Loraine was still reluctant to receive the fax and she urged me to explain without the diagram. She insisted that I should use North , South, East and West to explain verbally without the diagram. How could anybody explain clearly the accident scene pointing out clear directions? Anyway I did it as she required and after a long talk I could manage to send the diagram by fax.

Some days later. I received a phone call from Loraine that finally it was decided and it was still my 100 % fault. I just listened and hung up the phone. But the next day, I received a phone call from an independent researcher of the accident. He asked me to make an appointment to take pictures of my accident car the next day. I found that Loraine had made a decision already before the investigation of the accident was still going on. So I called Loraine's supervisor Anthony *** to explain this awkward situation. He spend more than one day to investigate internally. He told me he would review the telephone record. Then I talked him again by phone if he clearly accepted there had been procedural mistakes in the decision.

They just want quick solution to save their cost. Progressive is a big company for me to handle. I think they already knew it and they just want to neglect one small customer.

The kids were shook up and were already complaining of headaches. They went to the Emergency Room and had x-rays along with CAT scans. Both were ordered by the doctor to stay home several days and were on pain meds. Ironically, the days after the accident, the pain impacted them significantly. Both were miserable.

I attempted to speak to someone in claims several times. After several calls and hours of research, I found the agent and made four attempts to call. His voice mail was full due to vacation. I called the Progressive claims number and was repeatedly told he was the only one who could help me. Once I was able to leave a message, I did, and he returned my call just to tell me the things he needed before offering a settlement. I told him we just wanted reimbursement for the hospital visit and missed days at work. He said he needed to have proof that the kids' insurance did not cover the accident and that if it did, how much it covered.

I sent him copies of the hospital bills, and he returned my calls, saying he needed more than bills--he needed reports to see if they were willing to pay the Emergency Room visit. The agent stated that my kids have to sign a release for all medical records and reports in order for them to check the validity and to check for any previous head or neck trauma. I've been going back and forth for a year now. The kids do not have health insurance that covered the accident. And now, I have a multitude of late fees and fines.

I thought the insurance company was supposed to take care of this. All I wanted was to get the money to pay the hospital and their missed work. At this point, I am so angry. If someone would please help me or tell me what I can do, I would be deeply appreciative. One more thing, I also sent a complaint email to their general claims complaint line. But I have been told they needed more information too: the insured's policy number, etc., etc. I'm ready to get my kids everything they are entitled to at this point--anything, pain, suffering, etc.

The guy behind him said he never saw a brake light come on the man's car. I reported the accident to my State Farm and Progressive. Progressive said they would call me, but haven't heard anything. I'm stuck with no car, the disabled veteran I was with has not way to get around now. Every time I call, Progressive says excuses like we have to wait, he has to talk to the driver of the car, and he said he will come look at my car and never shows up.

I finally gave up and called customer service and encountered more problems. I could not get a hold of anyone because the piece of crap automated system could not compute the very information it was asking for. All I want to do is "pay my bill!"

I went to a local insurance agent and received a quote for a 12 month policy for $1162. Progressive's response when I told them all of this was that they had previously estimated their costs in MA incorrectly and had to raise premiums accordingly. I responded that the repair costs for Safety Insurance, my new insurer, would certainly be the same in my state as Progressive's costs.

Auto 4 in WVA - long way from Metro Fairfax and not comparable to what one would expect to pay in my area and when I called the person explained that the car had a bad turbo and was smoking.

On top of these ridiculously low comps, Progressive arbitrarily assigned a made up discount labeled "Projected Sold Adjustment" ranging from $160.48 to $668.19 making their payout completely unrealistic.When I questioned them with regard to the quality of these comps, there reply was: Scott, these are the closest comps we could find to your vehicle. If you can locate a 1998 Base Model vehicle showing the alloy/3rd seat option then you can certainly submit that for review.

In my observation Progressive is intentionally providing misleading information to me with the anticipation of not providing me with a fair and accurate replacement value as NADA rates this vehicle at $4,525 to $5,975. My Volvo was a one-owner vehicle with all the scheduled maintenance performed (have documentation) and no accidents. Again Progressive provided me with completely misleading comps that were nowhere near the condition of our vehicle. They also did not take into consideration the DMV costs of transferring, registering and paying sales tax on a new car. In my opinion, Progressive has misrepresented the actual cash value of the vehicle before the accident.

Additionally we are now into week two without a car and having to incur extra expenses for driving arrangements for our family. Not to mention the emotional distress their client put on my 17-year-old daughter when he recklessly plow into the back of our car. Therefore I would ask that Progressive reimburse me for the average NADA fair market value at a cost of $5,250. Or they can repair my existing car.

They can only make a recommendation, not a demand. Anytime you take your car to an insurance company preferred body shop, there are a few things you should do first: (1) Ask if they have a written warranty for the workmanship. (2) Demand that you are contacted once the estimate is complete so that you can see the damages listed. (3) Demand genuine original manufacturer replacement parts (unless otherwise noted in your policy). (4) Once you have a copy of the estimate, take it and your photos to other shops and get a time quota. Again, you own the vehicle. Do not sign a repair order until you are satisfied with the repair details.

They had a special investigator question us, check phone records, financial statements, and even interviewed family members outside our household. We answered everything to the best of our knowledge only to find out our claim was denied 8 weeks later based on credit and the key having a transponder. We were devastated. Although we were financially challenged, we never missed a payment nor were we ever late on our policy.

Not knowing how to move forward with legal representation, we continued to pay the car note even though we no longer had the vehicle. 16 months later, we received a call from the bank that a dealership (Planet Suzuki) was trying to get them to release the title. They immediately called us and without hesitation, my husband called the police and went to retrieve the van.

When the office arrived, he ask for the owner who's name is Hemi, how do you sell a vehicle with no paperwork and he stated he had the papers for my van. When asked to produce them he said that is a 2002 ford Windstar knowing it was a 2003. This person was nervous and repeatedly insisted I could take the vehicle in hopes that this was the end of this matter. He then gave us the key and was still nervous and continue to say "everything is alright now right." The officer asked him how long did you have this vehicle and he replied " 4 months" but the person we spoke with at the bank said the lady said 8 months. After providing progressive with this information they came back out and took photos of the vehicle which had damage to it. They also took photos of the keys and made comparisons. They took oil and transmission oil samples and 6 weeks gone by and they denied our claim again. Based on their original reason or denial.

My wife was fully in her lane and the lady simply refused to be cut off in that manner. She was not struck by my wife's car and she could and should have avoided the accident instead of driving around on the wrong side on someone's lawn. The result is Progressive added their own additional charges to my policy and there was never any notice of surcharges sent to me. As a result of what they said is a major fault on my wife's part. Without the ability to appeal a surcharge, Progressive simply went ahead and increased my premium. Also, they add everyone to the same cars even though no one else can drive one of my cars, which is the most expensive one. It's also a standard shift which I am the only one who can drive it.

As a result. my car has damage to it and Progressive only paid me $77 for over $1200 in damages and charged me the $500 deductible as well. The older lady got immediate attention and her car was repaired at a cost of over $3,000, even though she caused the accident as well as leaving the scene to call the insurance company first. Progressive denies what Jim *** must have said. If anyone was to look at the times, they would see that it's impossible to be at a scene of an accident and be talking from a phone from a private residence.

Progressive rented me another SUV after I told them I had just had a total right hip replacement. They put me in a Kia SUV which was too low. I contacted both them and the car rental place and told them that the SUV was to low. They then put me in a Expedition which was too high.

I told them and nothing was done. Finally, I was contacted by an agent from Progressive after 1 week to talk about my bodily injury. Before they knew the extent of my injury, they offered me $900.00 and said that was all they could do. I told them I wanted to go and see my hip surgeon to make sure that nothing was wrong with my hip. I was told by my doctor that I would have to pay up front in order to see him. I explained this to Progressive and was told they could get me in without me having to pay for the visit.

They were wrong I had to pay up front! I seen the doctor and was told my hip is still in place but the pain and soreness that I am feeling is due to the accident, my sitting too low and climbing to high in the rental trucks. Progressive got the doctors report and says that since there was no great injury, they would give me $1,500 for my trouble.

It is not about the money it is about the insulting gestures and comments made to me by Progressive agents. I still have yet to hear from them about my truck which is sitting to one side. I was told that I needed to get the truck realigned. Progressive, I am praying for your agents because anytime you speak to a potential client the way your agents have spoken and done me. You need much prayer!

Progressive will not even offer half of what it will take to buy a comparable car and they refused to deal with anyone other than my son thinking they will chew him down. My son needs a car to get to work. Progressive refuses to provide a rental. Short of a lawsuit, I don't know what else to do. This is why lawyers get rich. Progressive will not return calls promptly and refuses to allow my son to talk to a manager. We have talked to our insurance agent who is trying to get them to budge, but it would seem to me seeing that their client was drunk and arrested that the fault lies solely with their client and they should pay to replace the car.

The agent, Geri left a message on my daughter's voicemail stating that the they could no longer provide a rental for her on Friday 8/20/10 b/c of info that was not provided. Rental was not for my daughter, but for me. So, we have to come up with funds in order to have a transportation for the weekend. Enterprise was very helpful. I have rental coverage, on my plan. Not sure why we are having to pay for rental out-of-pocket, which has put us in a financial bind. My daughter is power-of-attorney. The at-fault driver was also covered w/ Progressive.

So, we had to find a way to cover the costs for a rental through weekend. I am suffering from a brain tumor and in the care of Dr., I have an appointment on 8/24/2010 and will have no means of transportation b/c I cannot pay for a rental after 8/23/10. No adjusters were available for the weekend but promised that Brian will call us on Monday. After this accident, I will drop Progressive, b/c of untrue commercials that service is so good and simple.

This is causing stress on the family of the patient, care providers, case manager, etc.

Through talking to several people with the insurance company, I realized they are deducting things I never heard of and they won't pay but 40% of the value of the vehicle. I stated I would like them to buy a replacement vehicle or tell me a place to do so for that! It can't be done. I don't see how an insurance company can do this while charging the same premium as any other vehicle and only paying 40% the value. We would have expected a little less, like 60 or 70% of the value, but 40%? That’s crazy! When we get this settled, we will never and would never suggest anyone to do business with Progressive Insurance Company.

My son works hard at a full time job every day. He bought this vehicle, got a loan and has been paying payments and insurance premiums on time and is not even driving the vehicle. It got flooded, and the total they’ll pay for it is 40% of its value. That is just enough to pay it off and he still does not have a vehicle to drive. That is a great experience and really makes a young person who is trying to do the right thing, and gets shafted this way really puts them in a bind and makes them wonder why try to do the right things when you get shafted. Thanks!

Today, 7/30/10, I received a call from a collection agency for Progressive saying I owed them money! I told her to kiss off and then called Progressive and was told that Progressive had covered me without them receiving a premium! Excuse me? Since when does an insurance company cover you without you paying first? I am not amused!

I have no debt, other than my mortgage payment! I work very hard to keep my excellent credit rating and to have a company file a bogus claim with a collection agency is frustrating, to say the least! They will ruin my credit rating with this **! There is nothing worse than to be harassed by the arrogant employees of a collection agency when you do not owe them!

Ten days after them having my car, they called me again to notify me that they found they can't link the airbag light to the accident and would not be covering it. So I went to get my car, and was told I had to pay over $100 for a diagnostic that I didn't even give them permission to run on my vehicle! How can you tell someone to go get their car fixed, then deny the claim 10 days after the car goes in for repair?

On the report from the car dealership that ran the diagnostic, it clearly states that the airbag light being on can be caused by impact even when my vehicle is parked, and my vehicle was parked in front of my residence, but there's no link they say. Are you kidding me?!

I had just sent my monthly payment of $98.00 in. I canceled 4 days later and was given a refund of $29.03. I was told that they charge a $50.00 cancellation fee. However, on their contract, it says you may be charged a cancellation fee. Apparently, there is no maybe about it.

You are charged the cancellation fee regardless of your reason. They do not pro-rate that fee either. California is the only state that allows them to do this. Other states insist that they pro-rate the fee. I am not aware of any other insurance company who charges a cancellation fee. I guess someone has to pay for all those commercials.

Then I called the sheriff's office and told them I had hit a deer. He was there very quick. I would estimate 5-10 minutes. He asked me if I knew where the deer was, and I said it's too dark that I couldn't see. He flashed his flashlight and found the deer in the ditch. He asked if the vehicle was drivable, and I said yes. I told him there was nothing leaking and all the lights work.

So he got out of his vehicle and checked the front of my truck, shined his flashlight under my truck and said it all looks good. He started his report while I waited in the truck. He came up and said, "Traffic is clear; go ahead and pull out." So I put truck in gear, and nothing happens. I try all gears, and nothing happens. I walked back to him and said that there must be something damaged because I can't move.

So he called the wrecker, and I shut the truck off. As they put the truck on the flatbed, the right tire dragged in the gravel. They hauled the truck to Gustman's, and the next day, insurance called and said they told Gustman to start on the vehicle. I explained the sequence of events, and he told me the brakes and transmission were my fault as an admission of neglect.

I said I thought it was blood, and he said I let the vehicle idle. He said there was nothing wrong externally with brakes, and therefore, anything internally was probably normal wear and tear. I said that he go to the scene to see the rear tire marks through the gravel. This part kills me: He then said, "I suppose it didn't do that before the accident."

There's more to the story, but the short of it is: I have the vehicle moved to Bergstroms for body work. I showed some people I work with the job Bergstroms did, and I am not kidding but the hood sat 1/2 inch above the fenders. There was deer hair still in the bumper, and they did not replace a damaged bumper cover that has a big gouge out of it.

It is July 13, and I just dropped the truck at another body shop, and Progressive still refuses to fix my transmission. The truck does run and move. It lunges because of back brakes. They said they filled the trans fluid, and it seemed fine. I have a 95% reassurance from ATS transmission company that running the truck 25 minutes without fluid has done damage to transmission. I have told them from July 2 about the transmission, and they refused to accept it.

I made a few dozen long distance calls, coordinating efforts while attending a business trip in California, as there was no effort from Progressive to get the glass or the repairs completed! More than 2 weeks later, the glass was ultimately ordered from Jaguar. The entire Progressive team proved to be incompetent. I made all the arrangements between El and Safelight to finally get the glass. Its incomprehensible how poorly this was handled by everyone involved at Progressive time and again, actually they did not handle it at all.

I spoke with both Eric ** and Steve on March 22nd expressing Progressive's responsibility for the balance of the rental car of $163.14. Both Progressive employees promised to respond and never did. This information was also presented to Henry ** with no response. I contacted Peter ** and explained this appealing experience, only to receive a snide email denying any responsibility, it has all been well documented. Progressive is just as responsible as its affiliates for this horrible experience. Progressive let this entire claim fall by the waist side and simply did not execute any of its responsibilities, ultimately costing me, the consumer.

The vehicle should have been repaired at Jaguar from the beginning and would have been completed in 3 days, instead of 17, with no fees for a rental car as explained at the start of this claim. Progressive did not full fill any of its obligations, making their client execute Progressive employee’s responsibilities. I expect Progressive to immediately reimburse the balance of the Enterprise Rental car for $163.14, and resolve this issue today. Rental car charges incurred of $163.14.

We have been doing business with this company for years, never seeing this type of business behavior. When we strongly objected to their actions, they took our invoices and showed their customers to make us look like we were the problem. In a separate case, they will not settle the claim with a customer because we refuse to show them our invoices. The customer has paid our company but Progressive Claims reps tell the customers we are the problem, not them. With these new time constraints they place on you to complete the work, corners have to be cut. With these thin margins companies will have to use substandard repair products and procedures. In a motor home or camper, families are being placed at risk by these policies. Our company will no longer do business with Progressive.

I gave a witness' name, who picked me up, and was repeatedly asked four times as if it would change. My car was found and released to Progressive and is now at a local body shop of my choosing. Progressive agent questioned everything and I was fully cooperative. Then I felt they took advantage by asking me and my wife for very personal information as if we were leading a crime ring. We were asked to provide phone records, maintenance records, payment history, 3 months bank statements, 3 months pay advices, even to check out credit for payment histories on any accounts that would give us (the victims) motive to ditch the car! Who trains these people to violate you and why is it legal? I was told they would pull fluids from the car to see if it was maintained.

All I wanted was my car fixed and returned to me. Progressive hasn't even wrote an estimate yet and the car has been recovered and sitting at the shop for a week now. The agent is hard to catch up with because he fails to return calls and acts upset when you finally do catch him, it's ridiculous. On top of not getting thorough answers, I was told we've been assigned a special investigator and we would move forward after the paperwork submitted is completely reviewed. I feel like this is being dragged out and they use subliminal ways of attempting to intimidate the real victims (they make you feel like you can't refuse to provide them with what they ask for) as if the vehicle owners are the criminals and Progressive is the victim.

If I had known Progressive treats customers this way in a time of crisis, I would've never insured the car with them especially after reading all of the negative blogs about them. Flo and the other agents should be in the back of a patty wagon chained to each other.

To make a long story short, yes, I am still in therapy now for the pain and stiffness in my right shoulder. I received a call from Linda ** on Friday, May 7, she stated that she had not heard from my insurance company (Kaiser) and because this was a minor claim it should be closed by now. She is not a medical doctor and she does not have the right to diagnosis my condition. Any injury to the neck area could affect the spine and other parts of the body. I wish to file a complaint against Linda for unprofessional conduct and the lack of respect for customer service clients. My auto insurance Horace Mann has been paying all of my bills received from Kaiser. I will not recommend any family or friends sign up with Progressive Insurance. Thanks!

Well, Progressive denied the claim, saying it was damaged, due to prolonged exposure. I asked them what they based that on, and they have yet to provide anything to me. I have paid them for over 4 years, and this is my first claim (I also have a 4x4 insured with them). What can I do to fight back? I think it is ridiculous, that they can deny a claim based on no evidence. I will now have to pay the $1,700 to get my boat fixed in addition to all the premiums I paid over the last 4 years that were worth nothing.

Then few more months pass and I talked to them 4/16/10 and they said because they still didn't get the questionnaire, they've suspended my case and it is another $15,500 to reopen. I said no. They said they will reduce it to $10K as a favor to me and if I don't pay by today, my case will be dropped permanently. I refused and wanted the contact info of my IRS agent so that I can work with her directly. They refused and hung up the phone on me. I have tons of emails written to them demanded my files and my agent's info.

As I am typing this, I am on hold being transferred around for the past hour trying to get my IRS agent's number. They are purposely withholding this from me. They haven't even filed my '08 taxes or file and extension for my '09. I found out that they've done nothing with my case except demand more money. Their BBB rating is a D+ and there are a few rip off reports with this company. I have spent $30,000.00 and experienced emotional distress.

Tests came back, and the initial check that they provided, they reduced it, as the tests according to them identified inconsistency on the size of dents. Nevertheless, they could not determine what hit my vehicle. With this said, representatives got rude cutting us off on the questions we were asking where they had no clear answers other than "This is what the test is telling us and unfortunately this is what we need to go by." They suggested that if I wanted to get the rest covered, I needed to issue another claim for "vandalism," of which they would only also pay around 12% to cover the rest and that with my deductible, it would not be much that I could get.

I totally disagreed with their suggestion, as by doing this and agreeing with their request is accepting that there was vandalism to my vehicle. My vehicle did not have any dents other than a small rock dent in the windshield that we were aware of. This from them was a slap in our face, as they totally showed us that they did not care and we were on our own to fix this. My vehicle is on a lease program, and terms to this is for buyers or leasers to take care of property.

The damage to our vehicle done by nature currently claimed by insurance as vandalism is not what everyone would like to hear. Their disrespectful approach and negatism on supporting this so unprofessionally is bound for review.

They told us to get a lawyer, as this was all they could do, and as far as they know, nothing so far has been done on our side to get them to do what we claim. This is uncalled for from them, and it is more of a challenge, as knowing lawyer fees are not everyone can afford. And I am at this time stuck with a bill to continue paying my vehicle or turn it in as is and get fined as the fixture for the vehicle, after having body shops provide estimates, is between 5K to 6K. The insurance provided was less than 2K.

My vehicle has full coverage, of which this so-called perfect insurance company has turn it into a no-value coverage. I have gone to the BBB, and somehow they have identified via letters that the Insurance company is not willing to pay. If the forensic that they did could not determine what actually damaged the vehicle, how can they just assume based on the size and not the actual evaluation?

This is ridiculous, as who knows how many other people are going through this and not speak up and continue to get ripped off. I switched from Allstate to this darn company to save a few bucks and ended up getting the worst coverage ever. I never had claims of this type (If need to, my history will tell.), for Progressive to just decide to not cover what I am paying for. I am due to either return my vehicle in June or keep it, and based on the situation at hand, I will more than likely end up keeping my truck. I have no choice, as GM will not take it back like this.

Was funny that after the boat was used 4 days prior, now a hole in it after doing 65 mph with the boat. Progressive denied the claim for lack of changing them we have the boat inspected at least 2 times per year to change the rubber on the back of boat would cost $3,000.00 to do. They said it was fine 6 months ago. Boat was in water, not out in the sun. We have been told by many mechanics that Progressive try's to do this a lot and that company, like Farmers, doesn't look for a reason to throw there customers under the bus. We will stop using them as soon as this is done. They are no good.

Although I was injured, thank God not badly. When I got home from the hospital that evening, I called my insurance company Progressive and give my report of the accident and all the information they need at that time. The next day my wife and I call Progressive and we speak with a man named Nick (can't remember last name) and we go over my accident and he says that the other person has not contacted them and they will get the accident report, and then we can go forward. Everyday for 6 days we call and hear no the police report isn't ready from the responding cop, or that the police department sent it to Sheriff Department and they are working on it, and he'll talk with us tomorrow.

Well, let's just say by the 6th day, my wife was really ticked off, so while we where on the phone with Nick she asked if he had the report yet, it was the same answer as always no. She (my wife) went wild on him. He called her ** and hung up on her. A few minutes later a man named Wess ** called and said we could have a rental car for 3 days and that they wanted us to come to Vandalia, Ohio and hours drive for us (guess we weren't worth a response vechal). Well my wife is afraid of the interstate and I was unable to drive so we where like yes (at first) I kept thinking I can't drive, I'm hurt. We called them back and said no you'll have to bring us the check for my car you are totaling and my injury compensation.

Well, can't complain about money for my car, but those guys only wanted to give me $950.00 for my injuries, ambulance alone was 900 not counting my ER visit or my fallow up doctor visits for my injured knee. I told them no I have to have more money to cover the bills. The girl who cut in front of me, we found out also had Progressive Insurance, and she was 17 and not paying attention. Anyway I got an attorney, he's been working like a dog to help me put after all this unless we would have went to court. I have to pay my own medical bills, my attorney is working with the hospital to lower the bill there so I get something for the suffering, after its all said and done I will only get in my pocket $2,000.

And even though we settled with Progressive and we didn't go to court, they are still screwing me. They are waiting for social security to pay off or payout or something before they will send my check, even though they know the money will be there for whatever they are waiting for cause they hold that money out of the settlement themselves. So it could be up to 4 more months before I even get the $2,000. I was not at fault for my wreck at all, even police reports state that and Progressive has never said I was. But they have treated me like I was a criminal and the way they treated my wife was deplorable.

Progressive. Cheap yes, in service, in quality, and good honest people. Yeah there #1 in cheap. I will no longer allow myself to pay someone to victimize me. Also in the settlement even though we have changed our Insurance company they took out for a policy we no longer have with them. Progressive's treatment and delay in getting the accident report lead to my wife calling the Police Department. She spoke with my response Officer Nick nor Wess ** had ever called them. The report had been ready since the day after my accident. We had waited 6 days with no car because of our lazy, rude and sorry Progressive Insurance. We where approved to have a rental for 3 days to find another car. And it has helped lead us to being evicted from our apartment, we where going to use the settlement money, it could be 4 more months. So now we are facing being homeless and my wife has Pulmonary Hypertension and is on oxygen 24 7.

Well, I started learning FLA. law it's all my fault. In Fla. you have to use your insurance, called PIP even if you are a passenger. I went to the hospital where they found [C3-C4][L4-L5] messed up. I cant work, progressive called me and said everything will be alright, they said they would wave my bill two weeks later. They cancel my insurance and I get a letter from Fla, they are going to cancel my drivers license, this is just starters. I am self employed in the truck auto boat farm tractor repair, I come to you and have been in business for 12 years in Fla. Progressive refuses to pay me lost wages, the first 3 weeks they were. I sent them every thing they wanted. I am fixing to lose every thing I own and already have sold my belongings, pawned my service truck to make my home payment where I have lived for 30 years because I have trouble with my taxes and have been in the courts over a employee stealing and falsifying accounts and now I am becoming a victim again.

Carlisa told me no problem, send me 16 weeks of work orders, I did then she started playing stupid, she didn't know if they were work orders or estimates even though they were signed, tag# on them phone# on them. I even sent the recipes for the parts. So now, she said I don't know if your hurt just because you get spinal taps every 3 weeks and the doctor sent us a note dose not mean you are hurt. Then she called me to fine out where I pawned my service truck, so I could make my house payment. Now I have a title loaned my other truck. Sold my 33ft. camper sold my 10 by 12 shed on Craigslist. All this, so I can eat pay my bills you know like this internet power water cable gas so I can run around and get all this information for Carlisa. Well, the 22nd of this month, I lose my service truck the 9th of May. I lose my 97 z71 or they come looking for it. The 4th of may my property is in danger, oh yea 300 dollars for meds.I have not got one thing from them except lies and bills to keep insurance on trucks. I can't drive it cheaper than turning in your tags. I need to stop, I am getting upset. Can somebody help. Please.

I get that but agents need to tell us right off what we will be responsible for. They asked our policy number right away. They should know what is not covered immediately upon calling about a claim. Because of this agents not knowing his job, it cost me $ I don't have. My husband is on disability. I am unemployed and so is everyone else on the planet! I get that too! My policy coverage is for 50,000.00, why am I paying any money out of pocket? It's just not right because I have insurance. Bottomline, I'm not a lawyer and no one I know is read your policy it's all there. Whatever!

For Auto, it took 2-3 calls to get a satisfactory quote as the last gal applied all the applicable discounts. Then the bombardment of paper work follows . We got minimum of 5 set. Each said due to a change but no clue what changed. The payments started at $68.84 for what was suppose to be 10 months and then 2 months of no payment. That never happened. The payments over the first six months started creeping up and they said it was due to billing cycles and adding a 2nd car. But it was really an increase disguised. It came up for renewal in Jan (6 months not 12 like they sold us) and it was 25% higher . They finally admitted they had a rate increase since they had not had one for many years. Our payment went from 68.84 per month to over 107.00 per month. Our premiums went from $68.84 for 10 months to 107.00 for 12 months. That's a rate hike!

We went to Liberty Mutual. Have more coverage. 12 month policies guaranteed in writing (and nice clean paperwork that says the same thing as the quote) and its $807.00 for the year! And we make 11 payments and we have road side coverage and higher medical. Next Progressive's Homeowners, that too took several calls. We were downsizing and fixing a house we already owned. First agent said he couldn't quote as we didn't live in it yet. Several agents later we got a quote for half of what the first tried. That was for a year but the coverage was way too low by 60,000. It also went up in the billing cycle from $457.00 to $1104.00 "billing cycle of course. " I think they "bait & switch" and hope you don't catch it. Upon cancelling, the payment was 103.14 for 12 months. Just about triple.

Liberty Mutual provides full replacement cost, higher coverage by $60,000, Loss of Use "Actual Sustained" $1,000,000 in Personal Liability, Workmans Comp, Credit Card Forgery Protection, all for 426.00. Thats 1/3 of Progressive.

Conclusion "Progressive " means your rates progress upwards. Stay away.

On this very site there are 24 pages of detailed feedback averaging 10 per page. I skimmed 6 pages 43 denied claims, delayed claims, shoddy work and driving people into financial ruin. 12 were billing and cost increase issues. One only had anything close to a compliment. Knowledge is power.

And he said this to me, "Well, ma'am, how about we just say that I will be reporting you as committing a federal crime for insurance fraud?" I was totally stunned. I told him that I wanted his name, and he said,"Certainly," and he hung up on me. How is that for a story? Kind of twisted, no? I will be taking matters into my own hands. Now, having read the other posts on this board, I get the real picture on this company. What can this company do for us anyway that calling the four major insurance companies can't do for us directly? I am quite certain that the insurance companies themselves would gladly match the prices that Progressive would quote.

I was initially calling Progressive based upon their lovely advertisements in the hopes of making the entire process a bit easier for us. Well, perhaps Progressive chose a Great Ad Agency because Progressive is such a disreputable company that someone over there knew that they need terrific ads!

I talked to the person on the phone and they said that they can't find any information that I called back. I think Progressive is involved with a scam to show low rates and then increase their profit during the first 6 months. Now, because of Progressive's dishonesty, my license will be suspended. I have never had any infractions and no points on my license. Now, due to their negligence, I will lose my license. The lady on the phone told me that she could make it look right so I did not lose my license if I paid her $70. This sounds like blackmail. Have to pay $70 to keep my license or have my license suspended for lapse in coverage.

A claim was filed the same night as the accident, and Progressive proceeded to keep my car for over 2 months. Upon receiving my vehicle back from Progressive, I noticed a number of issues outstanding with respect to the body work & mechanical service performed on the car. I have had 2 independent inspections performed on my vehicle, one performed by Warnock Lexus.

I have been informed of a number of damage directly related to the work performed by Progressive, and it's contracted auto repair facilities. I wish to submit a formal complaint in attempt to recover the cost associated not only with the damages to my vehicle, but any additional rental car fees, and diagnostic fees, associated with this accident. The cost associated with the aforementioned issues, far exceeds $2500.

When I ran my credit to get pre-approved for a mortgage, I found the item and contacted PMR right away. After being lied to by the first representative, I spoke to (who told me they could keep reporting the debt as long as they wanted to, and unless I paid up right away he would make sure it stayed on my credit report for an additional seven years, a direct violation of the Fair Debt Collections Practices Act), I got a supervisor (Mike **) on the phone who agreed to delete the item from my credit report after receiving payment. Convincing Mike to send me written confirmation of this agreement via email, before I paid, took another twenty minutes, but eventually, a deal was struck and I received an email confirming that they would delete the item from my report after I paid.

I paid the full $89.06 over the phone on January 20, 2010. After a month, the item was still being reported by Equifax as unpaid. Several days worth of phone calls later, the status was changed to "paid," but the item was still being reported. It's now been another month, and I'm in the exact same situation. Mike keeps saying he'll "check into it" and call me back; I have no idea what he does when he hangs up the phone, but he certainly doesn't use it to call me again ever. I've called their corporate number (provided to me in an email and a subsequent letter sent to my home confirming that the item is due to be removed entirely form my credit report) but all of the extensions and menu options lead to the same voice mail, and I have never received a call back despite repeated messages.

I have now filed a second complaint with the FTC regarding this incident (the first was for the inappropriate attempts to collect and the outright lies of the first representative I spoke to). Anyone else who has had similar experiences with this company, please do the same! The only way these will get what's coming to them is through the power of numbers. Damaged credit score and many hours of wasted time.

My children both went to help the drivers of the other vehicles. My daughter helped the man in the vehicle that was first struck by the drunk driver and my son, realizing that the drunk driver was not in his vehicle, used the flashlight on his cell phone and went down into the ditch to look for the driver. He located the drunk driver under the camper shell of his pickup, and now the truck was on fire! With the help of a passerby they removed the man from under the camper shell and pulled him to safety.

Since the time of the accident my daughter has been diagnosed with a skull fracture. She is in the process of being sent to a neurologist because she is having problems remembering things, confusing her words, and having constant daily headaches. She has been to the emergency room twice for pain and is also seeing a physical therapist because of the accident. She has been diagnosed with the skull fracture and post concussion syndrome. My son who did not have to help the man who made the poor decision of driving drunk has been thrown the biggest blow of all! The drunk driver is diagnosed HIV positive and Hep B positive. My son was covered in this man's blood!

Not only does he have back problems and frequent headaches, but my child now has to wait 3 months to be tested for HIV and Hep B to find out if his life is going to be changed forever! He is only 19! The drunk driver is insured with State Farm, but apparently he doesn't have enough coverage to pay for all of the damage he has caused. My family is covered through Progressive and has been for years. We pay our premiums on time and I think they have only had one claim because I hit a deer. My husband, my son, and myself all have good driver discounts. My daughter is also insured with Progressive but on her own policy.

Due to banking error which the bank admitted to my daughter's premium was not paid for the month of January and we were not aware that her policy was terminated as of January 12th. The right thing for Progressive to do would be to re-instate her policy due to the bank’s error not hers. But they decided they didn't want to do that because of the accident. My son was the driver of her vehicle when the accident occurred, so our claims rep Chris M. told me not to worry and they would cover everything under my policy, which my son is a driver on. No deal! After receiving a certified letter from Progressive stating that they were more than likely going to deny our claim, I called Chris in tears.

I did not understand and he wanted to record our phone conversation. So not only am I sick, but I am concerned for my children and their well being and this man wants to record me crying and in distress. I was coerced into telling them that my son drove my daughter’s vehicle more than he actually did so that gave them grounds to deny our claim. It has been over a month since the accident and I feel helpless. My daughter's car is still not fixed. I don't know if my son is going to have HIV or Hep B for the rest of what would be a very poor life, and my insurance company refuses to help me! They should have done the right thing and re-instated my daughter's policy due to the bank error, but they didn't.

They should be helping me with one of the most difficult times in my life, but they're not! All I see is an insurance company that wants to collect my monthly premiums and then tell me to go to hell when I actually need the services I pay for! We did nothing wrong! We are the victims! We did not drink and drive! And we certainly did not make decisions that have greatly changed other people’s lives in a negative manner! We are good people. We are honest people. We are widely known in our small community for donating to any cause, not only financially but with our time and what Progressive is doing to us is wrong!

Cannot get car repaired for several months. Unknown what the compounding of the damages their insured ramming my car will come to. Beware, their ads express that you can customize your policy. All companies offer this but what's worse, they make claims that they are responsive. They are not. They are actually abusive. This Linda called one of my children and abused him over the telephone attempting to bully him. Unbelievable.

The driver and vehicle that caused the accident were insured with Progressive Insurance Company. The driver and his passenger were not injured but his car was a mess. Both cars were towed by the city of Ft. Lauderdale Police Department's hired towing company. I called Progressive Insurance at about 4:30 a.m. They gave me a claim number and Jamie ** as our claim adjuster. At that time, we were told to expect a call from Jamie by no later than 10:00 am. I started calling Jamie after 11:00 am Monday and kept calling every hour until she returned my calls on Tuesday at 1:30 pm. I gave her all the information and details that the police and I had. Wednesday morning, I tried to contact Jamie about getting a rental car. She told me nothing will be done about our car or house until she can obtain a copy of the accident report which takes 5 days. Jamie got very rude with me when I told her that our totaled out car was our only means of transportation. She told me that I was foolish for having our vehicle towed and that there was no money for a rental.

Many times I explained to Jamie that our car was towed by the police dept. because it was a hazard due to a ruptured gas tank and could not stay on our property. We called Jamie's supervisor, Nixa R, we explained the same situation. After we were told by her that we should not have had our car towed, I explained that we did not have anywhere else to go with the car and it was towed to the police compound. Finally, Nixa realized what I was telling her and told me that Progressive had their own car compound. We told Nixa we had no money, since I have been unemployed for seven months, and had no means of getting to the police compound where our car was towed. I had to borrow the money from a friend in order to take a taxi to the police compound and sign a document to have our car released to Progressive.

The damages which I have explained, to our house and car, left us with no transportation, a hole in our house which looks out to a six lane highway, a ripped up front yard and sprinkler system, debris and also include our front porch a hole which extends from our front exterior window, door and wall. My wife and I call multiple times, on a daily bases, to Jamie and Nixa and have not had any of our phone calls returned. We are still left with no means of transportation to get to the supermarket, pet store, etc. which are all necessities.

On Friday, we took a taxi to the Police Dept. at approximately 10 am to obtain a copy of the accident report. We again made more phone calls to Jamie and Nixa letting them know the police report was ready and we would fax them a copy. Yet again none of our phone calls were returned. Today is Tuesday, February 16th, 2010, it is 3:00pm and after multiple phone calls to both Jamie and Nixa, we have not heard back. We are still left without transportation and a large hole in the front of our house and these parties from Progressive will not return any of our phone calls.

We have come to the conclusion that this should not be or is not only an inconvenience but an emergency situation that has not been responded to. In addition to the damage to our house, our family pets are at risk (as are we) due to the hole in the front of our home. In conclusion, we feel that since this accident was no fault of ours. We are the victims of pure lack of concern and professionalism from these parties responsible to handle our claim from Progressive Insurance.

This tiny claim was a nightmare. Claim rep Stephanie was a heavy handed unprofessional bully, whose primary motivation was obviously geared more toward her 'no claim payout' bonus check, than to helping me get back on the road. For 15 years, Progressive was great at accepting my payments, but when it finally came time to make a very small claim, the friendly demeanor was gone. Never again.

I have an number of complaints regarding the methods employed and handling of this case by Progressive:

1) Although the police report placed full responsibility for the accident on their client, Progressive took the tact of suggesting we were "partially at fault." They hinted that they were investigating a witness to the accident. In my opinion this was intended to test the waters to see how easily I might be manipulated, hoping to reduce the amount of compensation they might eventually pay out. It is very upsetting to have family members in an accident in the first place, but to have an outside party play these types of emotional chess games for the sole purpose of lessening their payout is deplorable. I had to consult with an attorney and spend time writing several letters before Progressive finally admitted that they had 100% liability (letter attached). I should not have had to do this and feel empathetic for others who, I am sure have to endure similar tactics.

2) Another deceptive practice is being used by Progressive staff members. They explained that I would be compensated for the value of my vehicle based on its N.A.D.A. Blue Book retail price. That seemed logical and fair to me. They added that there would be an adjustment to that figure for its "local market value. " Hearing this, I will admit that I wondered to myself if this adjustment might not be a little in my favor since the local market value of my all-wheel drive vehicle would certainly be higher in the northeast than in many other parts of the country where snow is less common.

A Valuation Report was transmitted to me by Progressive. I will use the base numbers provided to me for simplicity of discussion. Progressive's Valuation Report showed the N.A.D.A. Blue Book value of my car to be $4,150. To my dismay, however, the report placed a "local market value" of $2135 on the car with small adjustments for extra equipment; I cannot replace my vehicle for $2135. For my final compensation ,Progressive apparently decided (arbitrarily) that it was appropriate to weight these numbers equally (averaging them). I had the following exchanges with Progressive staff:

- I questioned their method and got, "Our methods are consistent with Connecticut Insurance Department standards "I strongly disagree with these methods and Progressive's evasive "answers" to reasonable questions.

I found it necessary to take the time to research the retail price of similar vehicles in the local market and obtained a letter from a local car dealer stating that the value of my specific vehicle was actually between $5495 and $5995. This information was submitted to Progressive and has been chosen to be ignored.

3) Several days after Progressive staff members had explained to me that there could be no adjustments to the compensation, I received a phone call from them. A staff member explained that they had not originally included certain additive adjustments, in the compensation. With these adjustments, they could get me closer to the final value that the N.A.D.A Blue Book value would yield. Although I was glad that that their hard position appeared to have softened. I was dismayed that these adjustments had not been suggested previously.

4) Most recently, Progressive has not returned my phone calls, responded to emails or requests for information. They have my vehicle and money I am due for compensation. They appear to be taking no steps to resolve my case. It seems that if I don't agree, I get nothing at all.

I think that I have been reasonable. I would have gladly accepted the published N.A.D.A. retail value for my vehicle, (although I have proof that my car was worth more than that figure). As a conscientious engineer, I have great difficulty accepting arbitrary numbers, whose basis can not be explained. I have just submitted a complaint to the State Insurance Department. Hope that helps. Anyone have any other ideas?

They stated to me that they have called, sent letters and even went by the client's home, and still no response. If there is not a response after all of this, what does that say to you? He is avoiding you for a reason; he is guilty. I am very upset, not that my car was totaled or anything, but it is the principle of the matter. How fair is it that you, as an insurance company is basically stating to their clients that it is okay to hit people? And as long as they do not answer any messages, and don't respond in any kind of way, they (Progressive) do not have to pay.

Progressive is saying that since he was an excluded driver that I don't really have full coverage. Is that possible? It was my understanding that I was excluding them from being a regular driver on my policy, which they were not and they still aren't. How can they say they are giving you full coverage on a car with a lien against it when they can basically bully you into either adding specific people to your policy or excluding them? I now have a car I'm still paying on that is sitting on a tow lot.

This past Saturday, I went to the mechanic to check out the car. I turned it on and immediately noticed the car hesitated to start. In addition, every time I shifted, the engine would "slip" and rev. Obviously, the car was not drivable. On Wednesday night, the contact I spoke to, Danny **, told the mechanic that he had to retake the car apart to check the clutch, but that the damage is probably not from the flood. What? Do you think that car drove like that before the flood? Now, the mechanic again would have to spend hours disassembling the car just so an adjuster can take another 48 hours to come out and look at it and "possibly" determine the clutch is damaged due to the flood.

In addition, one of the arguments Danny gave me was that the water "did not come that high". Just ask my husband who waded in waste-deep water for hours to get to an area of high ground since the car would not start. By the way, he was with a friend who can testify to that. Also, our conversation ended with Danny so kindly hanging up on me in the middle of the conversation. With all of the money and efforts that Progressive spends marketing its company as a reliable organization, I am totally surprised of the complete lack of respect and customer service. They are very consistent and timely with reminding me to pay my policy. Customer service goes beyond being nice to me when I need nothing from them. When did common sense get lost in this world?

Progressive has spent more time and money on "formalities" than if they were to have just cut a check to fix the car or total it from the beginning, not to mention the time and money both the mechanic and myself have lost due to amount of time it is taking to resolve this issue. I have been waiting for a manager to call me back for over 2 days. Funny because I was told as a "Diamond Customer", any issues I have would be expedited.

Progressive made me sign a paper so they can send it to the main V/A office to have them say that they don't want any of the money that Progressive owes me. If you poke a dog in the ribs enough times, it'll turn around and bite you on your **. Progressive and the government are sleeping in the same bed, share the wealth, just not with me, the one who's hurt for the rest of his life and can no longer work. So Progressive and the government can kiss my ** and I hope that you both catch AIDS from your back room ** of me. You must remember one thing: Progressive is cheap insurance in price, integrity, morals and conscience. Rot in hell, you low-rated ** insurance company.

During a Colorado snow storm driving down from Denver, I ran out of wiper fluid because the hose connecting the washer fluid pump to the bumper nozzle was leaking it all over the road. It could not be connected to the missing bumper wiper fluid nozzle. Doing 70 mph on I-25 south, my wind shield turned to mud/sleet and I could not see where I was headed. Fortunately, I was able to pull off and use something to clean the wind shield, get back on the road, then stop again this time keeping my distance from the vehicle ahead to reduce the amount of sleet/mud flung on the wind shield.

We called and had Progressive approve taking the vehicle back for having the nozzle installed. I agreed to pay for a $50 part, the missing bumper nozzles because "the parts were missing to begin with". What lunacy. I raised the concern with Progressive as this being a safety concern that the average consumer would have no clue on occurring. At least they could have given me the option to pay the $50 upfront before risking lives. The Progressive representative got on a real attitude by telling me she had it on record that I had said the part was missing totally dodging the responsibility of properly informing the consumer and providing an option for the consumer to decide what to do.

I escalated to their manager, who told me this is my responsibility. The question is responsibility for what? For expecting the average consumer to know that they are driving off with a car that will strand them with no visibility after a repair in a storm? How is my wife or the average consumer supposed to know this? The average consumer may not even know that Progressive opted to risk their life so they could save $50 on a repair that costs thousands. To quote the progressive supervisor, "$50 multiplied many times adds up to a lot of money!" Yes, it adds up to a lot of lives too when multiplied over many repairs.

Progressive appears to hold no responsibility for properly informing the customer that there is a safety concern as long as they can get away with it. Escalation from my initial contact to their manager only resulted in the same careless mantra "it is your responsibility." My responsibility is to inform you, the reader, to beware. I plan to discontinue my service with Progressive at the earliest possible date.

Two days before the moving date which was 11/30/09, a person named Erick came to my apartment in Hackensak, NJ and asked me to sign on an insurance form, which meant that I would be covered by the company insurance in case of any damage incurred by the workers. Before I signed the statement, I observed that the statement covered only the moving cost which was initially agreed on, $210; however, I told Eric that there was an additional charge of $85 for the sofa bed so he corrected the amount to $295.

On 11/30/09, the day of the moving, three Russian men showed up to my apartment. The person in charge asked me to sign on blank forms stating that it would cover the moving insurance, in case of damage or broken stuff, they were not responsible. Then he asked me to sign on a form where it had packing charges. I asked him why I should sign the form for packing when everything was already packed. He said, "Just in case we had to use any of their supplies." I asked that person (I do not recall his name) "How much I would have to pay for the moving?"

He said, "You do not have to pay anything now until we get to the destination," which was one block away from my moving location at ** street. I moved to Hackensack. I asked that guy why he did not provide me with an estimate of how much I would have to pay. He refused and said, "before we deliver the furniture to your place, you would have to pay." I asked, "Why would you collect the payment before delivering the furniture to my apartment?" He said, "because people shut the door in our face before we receive the payment." I told him "I am surprised to hear that." I observed that person was covering and taping the necessary and unnecessary furniture like, dinning room chairs, old chair. I did not have china or expensive furniture that required all that packing.

Then we arrived at the new apartment. The driver came to me and asked me to pay $1,114 and some change, I do not recall, for the moving cost before delivering the furniture or they would take the furniture to a storage and take me to court for not paying. Then he produced a receipt itemizing the cost, charging me $700 for using tapes and one box to cover the bedroom mirror. He told me that my apartment is 50 feet away from his truck and I would have to pay $300 in addition to the $85 for the sofa bed which was already carried in the Elevator and they did not have to use the stairs.

I screamed. I was very upset for the humiliation, the lies and highway robbery they did to me right on the spot. I felt hopeless because I was unable to do anything except borrow money from my girlfriend who was with me and she used her credit card (Visa) to pay for the moving cost. If I did not have my friend, I would be sleeping on the floor and I had no furniture. I moved from Lodi to Hackensack, and I paid $550. And they did exactly as the Progressive did from packing with no extra charge.

I am reporting this company to the media, to the newspapers; and I will take them to small claims court for their robbery and cheating of the public.

On Nov. 18, I received a cancellation notice from Homesite Indemnity Company for non-payment. After several attempts to get this resolved through phone calls and e-mail, they will not return my calls or respond to my e-mails and have made no attempt to resolve this with me. I agreed to take the policy for $735 a year. However, he made a mistake when he gave me this price. I told him I would have to be crazy to pay $1,518 for a policy when the one I currently had offered more coverage for half the money. He told me to disregard all billing and he would take care of it. I have had a homeowner's policy with Allied Insurance throughout this period. So in essence, I have had two policies on my home for the last six months. They will not return my calls, so this leaves me with no other options. If you cannot assist me, please let me know where to turn. Thank you very much for your time.

I said, "So someone hit me," and he answered yes. He never told me that he was going to state that I was at fault, and he was very rude. So a few weeks later, my boyfriend went to get his liability insurance renewed, and he told me that I had an at fault claim recently on my driving record, and I was like, "What are you talking about?" Sure enough I called Progressive and they said that I was 100 percent at fault due to the fact that the the damages were consistent with hitting a pole. I say this because I called the guy and said I remember that the red paint was from a pole I bumped a year ago, but it did not do this damage as the hood was bashed in various places and the bumper cracked. The pole caused no damage and left only a trace amount of red paint. So the guy continued to say that it was consistent with hitting a pole, and I was at fault in order for the claim to be paid.

I find this very interesting because my premium was just getting ready to go down in July, so it is ironic they would find me at fault for this and blame it on the pole when it was nothing to do with it. If it had been the pole, there would have been much more paint, and what about the dents in my hood? This is exactly how they rip people off, and the adjusters, I am sure, get a bonus for finding the policy holder at fault. A friend of mine's husband works at a body shop and when I told her about this experience, she said her husband said Progressive treats people terrible and like criminals when they are in an accident, even if they have never had any claims. "The policy holder is almost always at fault as well," he said.

Progressive made my daughter fill out a fire report after taking a detailed statement as to all of our actions and whereabouts, in addition to a lot other paperwork. They just left us with papers; they did not assist in filling it out. Then they had my daughter sign over car's title and gave no receipts. Still, they wanted statement from other person who was with my daughter at the time of incident but is never available by phone. Also, they wanted the car's key(?) as well as receipts of car service - which were burnt in the car. They also wanted the name of the last auto shop and description of repair. She said she was going after repair shop for faulty repair. Repair shop owner called us today to ask why he was being called. Car was burnt on 11/ or 11/8.

Car was finally towed (according to Regina) yesterday, and agent will look today(?). Agent will not state how value of totaled car will be determined nor when to expect settlement of claim. She did advise that we allow her to give our info to Cars Direct - they called to try and sell us a new car.

Why would I buy a car for that with more miles than mine? And after they take out everything, I got a check for $5,648 which would not even cover the cost of the car with 12,000 more miles. That's just crazy. Well, now my family and I are walking and have no car because I won't take their check because they were low-balling me. She even suggested I drive 500 miles to buy another car. I don't think so. I did all the research they asked of me and they still won't pay up. And I did what they said and she was very rude and acted like my claim didn't matter or my family. I am very angry with them and have contacted an attorney to sue them.

I repeated the events. He said he'd call his boss and get back to me. Two days later, I called him and they agreed to tow it back on their dime. Once in the shop, he didn't call me. I talked with the Service Manager at the dealership where the repairs were done. He explained what they were doing to diagnose the leak. They ran computer codes and put it on the lift. There were theories, but no definitive explanation. This Chevy dealership said they recommended a foreign auto guy down the street or the BMW dealer. My car is a '99 M3 convertible. Two days later on the second call that day, Chris said his manager told him the car had other problems and those problems caused the engine trouble. My car is sitting with an engine half filled with oil. The sticker from the oil change a month earlier (I have the receipt) is on the window. The oil leak is on the drive way.

I called Progressive's Claims number and a woman told me that her records show that I did report "a leak under the engine" when I called weeks earlier. Didn't they insure my ten-year-old car as is and agree to return it to its original condition, using "like" parts, at an "authorized facility"? They are trying to say that the engine trouble I have now has nothing to do with the accident and is only due to the fact that my ten-year-old BMW has a bad coil in the #2 cylinder. It may have had that prior, it may not have. But when quarts of oil are documented to be on my driveway 1/2 mile from the accident, aren't they responsible for the damage? A mechanic told me that there are canisters behind the grill and if they're damaged, they could leak oil. It's not my fault that their "authorized mechanic" can't find out why it leaked. It leaked because of the accident! Now, I have an undetermined problem with my engine that they say isn't their responsibility. Please help.

After fighting Progressive, they finally paid the claim but the false evidence that ** claimed was the reason he denied the claim has never been seen and he was not held accountable for knowingly engaging in a dishonest practice to avoid paying a claim. The first reason he gave for denying the claim was mechanical failure of the pinion gear. He said this was obvious due to a "failed bearing". There was no "failed bearing" and he has never shown a photo revealing the "failed bearing" even though he never saw the damaged motor except in photos. After he was asked to provide proof of the mystery "failed bearing", he changed the reason from a "failed bearing" to a "rusty seal". That also was a false statement that was proved false and documented when an independent marine surveyor showed that the bearings and seals were in excellent condition. If a policyholder submits a false claim, they are held accountable and prosecuted.

Are claims managers not held to the same standard? Wouldn’t his falsifying evidence be just as fraudulent as an insured lying to fake a claim? Is there no accountability for his deceit? How many claims has he falsified data in the past to avoid paying a claim? And with immunity for these types of actions, how many more will he do in the future? Progressive has asked why I am not satisfied since they paid the claim. They believe by paying the claim this can all be dropped. Progressive needs to be responsive and address what ** has done. By sweeping it under the rug, they are condoning it and are just as unethical as Mr. **. The evidence the damage was due to impact damage is clear. The third party survey report proves there was impact damage. The acknowledgement from 2 of Progressive’s own adjusters that it was impact damage (certified letter from one of the adjusters that states it was not “Mechanical Failure”).

The mechanic that replaced the lower unit has over 25 years’ experience and says it was undeniably impact damage that caused it. Progressive has now admitted it was impact damage and paid the claim. My nephew and I both were witnesses in the boat when the submerged stump was hit. The evidence that Mr. ** knowingly falsified data to deny the claim is even clearer. The third party survey report that proves there was no failed bearing or rusty seal that ** has repeatedly said was the “smoking gun” that led to his denial. Mr. ** has never provided evidence to support what he said he saw and has changed his original reason as to why the claim was denied. This is documented through a conversation he had with his manager.

Progressive will not release the data involving the initial denial of the claim proclaiming that is proprietary information. After asking for the data that supported the denial of the claim, the claim was closed and re-opened under a different claim number without notifying the insured. ** later said it is not company policy to notify the policyholder of a claim closing and reopening under a different claim number. I am now unable to see the old claim. And after contacting the claims hotline was told that it is company policy to notify the insured if a claim is closed and re-opened under a different claim number. Mr. ** has sent sensitive personal information by mail without using a return address or company letterhead to my residence in an attempt to intimidate me.

** has admitted to sending the information to my residence to his manager but says it was not to intimidate and his reason for not including anything in the letter with Progressive’s name on it or a return address is that he figured I would know who it came from. I have the envelope and contents and it seems unlikely that the North Texas Multi-Lines manager would think it is acceptable to send confidential information without any explanation or reference of Progressive or a return address. I received two contradicting certified letters from Progressive on the same day from two separate employees that report to Mr. **; one acknowledging that it was impact damage that caused the damage and another denying it was impact damage. Mr. ** has said this was just a simple mess up.

If someone has any ideas as to what else I could do to bring light to this situation please speak up. I have sent a formal complaint to the Texas Department of Insurance and they are looking into it. But based on what I have read about these incidents the Insurance company and employees that are involved in knowingly using dishonest practices to deny claims are seldom held responsible when caught. The claim was eventually paid but only after challenging the insurance company to provide proof of the reasons given for denial. The person who falsified the information was never held accountable for engaging in a dishonest practice to avoid paying a claim.

I have a Jag XKR, very low to the ground. Oil exploded all over the car and smoke entered the cabin. I had to stop after driving around the exit. He u-turned back as he noted he freaked out, apologized for having his mirrors poorly adjusted and we traded info. He said he was responsible and would take care of everything. Progressive told me yesterday they have reversed their standing and since I had no car to car contact, they are denying they are at fault. Scum. I will sue and this driver (and insurance company) are not only a liar, but a very unsafe driver and may have been drunk. His name upon request, lives in Pasadena, has an Arizona license plate, black 2000 Cad Escalade.

Monday, I called the agent and still no word from their insured. Wednesday, my husband called and still no word from the other party. Friday morning at 8:30, I received a call from the local agent (who is now very terse and rude) telling me that Progressive has deemed the accident totally my fault, they are not going to pay for anything, and if I have a problem, to take it up with my own auto insurance. He also informed me that this decision was based upon the other party's statement and a video tape that shows me "clearly" backing up into their insured. I'm so taken aback by this. I called my own insurance company who told me that the other party admitted fault to them, and that in cases of a video tape, most stores will only release it by a court order. My auto company had two more quotes done on the damage to my vehicle. The Progressive adjustor did a very low-ball estimate and did not even note some of the damage that the other two shops noted. So, as it stands now, I have to pay our deductible to get the car fixed and our insurance will go after Progressive. So my advice, if you are in an accident with Progressive, deal with your own insurance company first!

As per my discussion with Jamie, I left my car and proceeded to rent a car down the street while my car was evaluated and repaired. I was told by the Nissan Collision store that the Progressive adjuster did not show up as scheduled on Thursday, October 15th. He (Mike **) would stop by on Friday, October 16th, instead. I checked with the body shop the following day on the progress. The Progressive adjuster had not yet shown up. The adjuster did not show up until late in the day and he took pictures, no physical inspection of the vehicle, just pictures. He stated he would follow up with his boss. This was on Friday.

On Monday morning, I received a call from Mike stating that my rental would expire on Monday and that the collision center was overcharging and delaying the repair but that I had the choice of moving my car to a Progressive approved facility. My question is, how can any body shop have a green light to start work on a Friday and have it finished by Monday morning? And yet Progressive is so willing to allow time to relocate my car to another facility for repair and willing to extend my rental if I do so? Wow, talk about a sham. What can I do?

I have now received paperwork in October that we committed fraud. I'm mad as gee. I wasn't late on a single payment to the insurance company. I was not late on truck payment and still got treated like a criminal. I don't even have a ticket on my record.

I took the car to the inspector again and he found more problems. I asked to have my car taken to a different shop, so they took it to a local Mazda dealership. They found a lot of problems. For example, the previous body shop had used a non-OEM hood that wasn't even from a Mazda vehicle, so it didn't fit right. They did a better job but by this time, the repairs reached 75% of the value of my car, the threshold at which they should have declared my car a total loss. To keep from reaching that threshold, they undervalued the repairs and overvalued my car.

Just a month earlier, I had decided to sell the car to get out of the payments. Carmax had offered me $8,500 and the very dealership where I got the third round of repairs done offered me $9,500. Progressive said my car was worth $13,700! They did this to avoid declaring my car a total loss. Also, they counted only the original round of repairs toward the repair cost. They said the supplemental repairs didn't count toward the 75% threshold, which is ridiculous because the first round of repairs was incomplete and unsafe. They even tried to straighten out a damaged upper frame rail instead of replacing it, which is what they're supposed to do to restore the car to its pre-accident condition.

What happened next is unfortunate. I was going to take the car back to my inspector a third time when I lost my job, so I really needed to sell the car to get out of the payments. That rendered me unable to pursue the matter further. But according to my inspector, this happens everyday with every insurance company. In fact, 99% of the vehicles he has inspected had unsafe repairs to them. In only four years in business in a small town called Salisbury, North Carolina, he has gotten $1.5 million worth of vehicles bought back or totaled by the insurance company. That is what should have happened to mine.

I had consulted a lawyer about my case and he wanted to review a synopsis, but then I lost my job and sold the car. Also, my car obviously suffered diminished value, but Progressive told me that they do not honor diminished value - the concept that your car is worthless after an accident, even if it is repaired properly.

After getting an e-mail back showing the policy number and brief policy explanations, I noticed the quote was for 6 months, not 12. I immediately called back and cancelled the policy. This was on 9-22-09. Kim confirmed the policy would be cancelled as of that date and a check would be sent to me for the pre-paid amount (I paid the whole premium). This did not make me very happy because they had deducted the amount directly from my account not 15 minutes earlier. I was obviously stuck with the "It's Progressive’s policy to issue checks" explanation.

It is now 10-5-09, one day short of two weeks, and I have not received a check. I called Kim and was told Progressive would send my check out on 10-7-09 (2 weeks and a day since the original transaction). In spite of the fact that I feel I was deceived from the beginning, I would like to know if there is a time frame for refunds as set up by the Florida Insurance commission and if so, how long? As for any future business dealings with either one of businesses, I will certainly steer and suggest any one reading this do the same. Consequences: Being a victim of unemployment and the economy, this money is very much needed for everyday things and towards fixing a broken transmission in my truck so I can try to find a job.

I came back the next day and the motorhome had a broken windshield. The awning was damaged. The door got caught in the strong wind when I opened it. I moved the motorhome to a lower spot as I didn't have the horses with me any longer. I called the park security over. They said there were unsupervised kids roaming on the holiday weekend. They also said there had been high winds the entire time I was gone. I called Progressive to see about an adjuster coming out to replace the passenger half of the windshield. They were very nice. No problem, except they never came. I cut vacation short and went to stay at relatives home until it was repaired. Progressive would not repair it. They said they were checking out my policy to see if it "afforded coverage.” I paid $1300.00 to have half a windshield replaced.

It has been over three months and I spoke with the supervisor. I called the adjuster numerous times to come out. I asked for a copy of my policy six times via email and on phone, only to never receive it. The first supervisor said it was a collision claim, not comp. I said, "So? I'm covered either way.” She went on to say it would cause "points" against my driving record. That someone had a spare set of keys to my bus when I was in Yuma (Who, the cat? Plus I had only a set of keys with me). After I told her I had it parked there, I did not drive it to Yuma but drove in truck to Yuma. Then she said I was lying that it was broken while driving the motorhome.

Now, three months later, they sent a letter stating they are not paying because the windshield damage was a result of "wear and tear". I have pictures from that campsite where the windshield shows. No crack or chip. Wear and tear? I just bought it in November of 2008. They are rude, preposterous and just don't want to pay any claim whatsoever. I had to put the windshield on a credit card ($1300.00) and spent three months getting insulted by them just for a common windshield comprehensive claim that is covered, whether it is wind or vandalism. This company needs to be paying its claims. They have the largest art collection in America and just collect premiums and never pay out any monies.

The only thing that saved him was his seat belt. His car hit so hard witnesses said the back end came up into the air, and landed in the other lane. His window was down on the driver side so when this happened, even with a seat belt on, his upper body and head snapped out of the window and back in. He was taken to the hospital and suffered bruising around his heart, bruised lungs, severe whiplash, injured shoulder, back injury and bruised ribs. He has gone through physical therapy, missed work, had many X-Rays, CTs, MRIs and was on prescription medications that a neurologist had to prescribe because he suffered from such severe headaches for 6 months after the accident.

We are being devoured by medical bills that our insurance company has not completely covered that we are trying to make payments on. We were not given hardly anything for his car that was totaled so we had to find what we could to replace our son's car so that he could get to school and work. This car has had many repairs we have had to pay for on top of all the medical bills. We are just drowning financially!

Our son was finally released from the doctors on August 25th 2009. We immediately contacted the Progressive agent/supervisor like we had been instructed to do. And 2 weeks later, we have yet to hear back, and I email or call daily and leave messages. This is going to be a large settlement, so they are avoiding us. We called an attorney that our Insurance agent recommended, told him the situation and he is giving us his services free of charge. As soon as I told him who the insurance company was, he laughed and then said he wasn't surprised and it wasn't the first time he had heard this complaint. So I guess to court we will go. Hopefully, I can hold off the bill collectors a little longer. If you have had an accident with someone that has Progressive, do not wait. Get an attorney!

However, because of this accident, it is no longer fine and surgery is the only answer. The woman who hit us lied and was not insured. We carry $150,000 of uninsured motorist. I have been seeing my chiropractor since, until I can get the surgery. They denied chiropractic care last November 2008. I have been paying out of pocket. I will not get the surgery until they pay for it. I do not want to be one of those people who end up filing bankruptcy because an insurance company won't pay. Progressive has been horrible throughout this ordeal. The surgery will cost $45,000 per disk. Their first offer to settle was $5,500. Their second was $6,500, which is the remaining balance of my medical insurance with them. They have been sent four letters from different doctors explaining that my neck needs surgery.

The person we are dealing with from Progressive says she has nothing stating that I need surgery. They have tried to say I have a lengthy history of neck problems. I went to a chiropractor for a year in 2005, never before and had not seen him for a year when this happened! They just do not want to pay! I could maybe understand if it was the other guy's insurance, but this is my insurance which I have paid for! Progressive has also raised my rate of $500 for six months and no one else has had an increase. They are horrible people. Lesson to learn - just because they may be cheaper, it does not matter if they do not take care of you! I have changed my car insurance to another company. A person should not have to hire an attorney to sue their own insurance company for coverage you have paid for.

Progressive has been very nasty about this whole thing and even took over 3 days to bother to call us. Irene has not been nice on the phone and I am so glad I do not have my insurance with such a sleazy business. Progressive may be cheap but they prove it by not paying for damages their clients cause!

I had to travel a lot, and was otherwise quite busy, so I simply paid for 42 months, as each 6-month renewal occurred. I had always felt Progressive to be reliable and a class company. And I had no traffic violations or accidents during this period, and I paid promptly the monthly amount, which averaged $152+ for the 3-1/2 years. When renewal papers for period beginning 15 months ago were higher even than previous amount, on impulse one day, I drove into a State Farm agent's free-standing office parking lot. In about 5 minutes, I had gotten a quote for precisely the same coverage for under $66 per month (a cost less than half, significantly less, of Progressive's).

I don't blame anyone else for my own stupidity in not taking action sooner, and I immediately obtained coverage with State Farm and dropped Progressive. I spent more than $3,600 more than State Farm's rate for identical coverage with Progressive during my period with them. In checking with Progressive home office and regional manager in Texas, I got nothing but yada, yada about rates among providers varying, and the guy in Texas telling me they hated losing a customer. I now place Progressive as being just below the level of loan sharks (at least the latter tell you their fees and terms up front). I urge anybody considering Progressive to go elsewhere and to advise friends and family to do likewise. (PS. I recently got my second renewal from State Farm; after both 6-month periods, rate became lower in the next, due to good driving. My driving was precisely same with Progressive, but got increases from them.)

Two years later, I got into a car accident. I called Progressive to get my car fixed. But there is one problem that I would never believe. They said that my car is not covered and my sister’s car is covered. I told them that about my sister asked for full coverage for two cars. They said that if they find the tape that says my sister did ask for full coverage, then they will fix my car. And they said that it will take them few days to do so.

Three weeks later, I kept on calling them. They said that they have trouble finding the tape. And they also said that they don’t take responsible for it. I just busted out and cry, because I was really upset with them. I didn’t have a car for a month. I ask people for a ride to take my son to the doctor or to take my mom go to the market. The feeling of bothering other people is really unbearable to me. I am a student and I save money to pay for car insurance and I thought that I am safe. The next thing I realize is that my car is not covered. Their mistake makes me suffer.

I did proceed with reporting the incident to Progressive and declined a claim as the damage would have been less than my deductible anyhow and I did not see fit to pursue the other lady's insurance for such a minor scratch. A representative from Progressive did come out, take photos and said that since it sounded like it was the other person's fault, he would like to keep their info on file. He also informed me that should the other person try to make a claim that I was at fault, they would be in contact with me.

My premium did go up subsequently but Progressive's reasoning behind the rise in premium was for other reasons and they did not at any point between 2005 and now inform me that my premium increase had to do with the fact that indeed the other driver contacted Progressive to file a claim against me being at fault. They paid out $1,711 to this person for a scratch that could have been buffed out. They did this without informing me or giving me the chance to defend the claims against me. Is not the job of an insurance company to look out for those it insures?

I only just now found out because I tried to switch to another insurance company who informed me the claim is in my history. I have been through all my paperwork from Progressive and nowhere does it show this claim in subsequent renewals. They hid this from me by stating other reasons for premium increases. Quotes I have received from other companies are hundreds of dollars less if this incident had not been in my claims history.

I feel I have been paying an unnecessarily high premium as a result of Progressive hiding this info from me (I can't find it anywhere in my paperwork or in the account info available to me) and as a result of Progressive failing to inform me, the claim had been made at the time. All other things equal, and if I receive a quote from Progressive without that claim, I would be saving hundreds of dollars a year.

The car is not in perfect condition, but I would consider it in good condition for the age of the vehicle. Over the last few years, I have been restoring it in my spare time. I bought replacement (original Ford parts) for the bumper, fenders, seats, carpet. The vinyl top has been replaced and the transmission rebuilt. It had been maintained regularly. There was some additional trim work to be completed, and then it just needed to be painted. The car then would be in near excellent condition.

Well, Progressive and their preferred shop committed fraud, lying about my frame not being bent and stating that my parts were new. The adjuster, whose name is Bruce, allowed the shop to fix around the bent frame, so I wouldn't be able to tell. I complained so many times about how the car was performing, only be told that I need some new tires.

After getting new tires and those wearing from the inside out unevenly, I knew I had a major problem. So I complained over and over, only for Progressive to try and lead me back to one of their preferred shops. But I refused and threatened to get a shop of my choice to check the car out. So finally, they said I could take it to a shop of my choice but that I would have to pay for certain work. I didn't agree to that, but the shop did discover that the frame was bent and that the work was not done right.

Progressive knew the car should have been totaled, but they tried to cut corners to cut cost only to make a profit and hide the problem from me. I have proof of what they did, and they still are giving me the runaround. I told the bank about what has happened, but they will not help. It has taken me this long to prove what Progressive and their preferred shop did to only have put me in the hole as far as the car along with my safety. Thank you.

I will no longer have transportation to find a job, go to the doctor's office, or go for groceries. I will be left with a vehicle that I cannot use, even though it is reliable, and everything works, all because I was in the wrong place at the wrong time. While Progressive rakes in tons of money, they leave me with nothing!

I also asked Christa if they had received the police report and to which she replied, "No, but I did talk to the officer that wrote the report." How are you going to make a determination of fault with no police report? I don't think she even called the officer. It is now July 2009 and I just now found out why they determined me at fault. I had to call the CEO of the company to get to this point. I found out they determined me at fault because there was black paint on the back of the other car involved. The police report clearly says that the damage on the back of that car was from running over a road sign when he went off the road! So tell me again how it is my fault. I have proven that their determination of fault is faulty and they still want to argue about it. I guess the CEO will be getting another phone call. Now getting the car fixed is a whole other matter. I have to take the car back to the shop for the 4th time. You heard me right – fourth!

If you ever get a wreck with a Progressive policy holder, do not let one of their shops fix it. They offer a lifetime warranty on the work and parts they put on your car, but I am telling you now, they don't pay you for all of the inconvenience they will cause you! I took the car to their shop in Orlando FL and it was there for over a week. When they gave it back to me, the paint was bubbled, the rims were peeling from where they 'reconditioned' them, the body kit was not put on properly, and they didn't put the weather stripping back on the door properly! Hello, did they really think I was going to take the car in that condition? Well I left it for them to fix the problems and they called me back two hours later saying that the car was ready. Not! I was going out of town the next week so they made me take the car and return the rental and schedule a time to bring it back when I got back in town. I was so mad.

My car sat in Orlando while I went out of town since it was not fixed right. I took it back to a shop in Sarasota (since the work there was done so poorly) and they had it for another week. They glued the ripped body kit gasket back together and put it back on the car, 'reconditioned' the rims again, said that the rattle in the roof was not their problem and actually fixed the paint job. Within two weeks, the rims started peeling again and once again the car went back to the shop, where they had to buy an entire new front bumper cover and front body kit and new rims. Well now there is a problem with the alignment, the tire pressure sensors, and now the paint on the door has become a problem. Once again I had to call the CEO to get anything done. The car is going to Toyota on Tuesday to have everything fixed the correct way! If this is not proof enough that Progressive is the worst insurance company, I don't know what will convince you!

I believe there was an emergency room visit for a little girl in the car, but there’s no bodily injury. It looks to me like Progressive is trying to milk what they consider a big business and we're not. We're trying to hold on and have to use debt consolidation to keep the business alive until things get better. If these people get their way, can this be put in the consolidation which we have just started but haven't finished the paperwork? Help. My wife has a small trucking business and this would drive her and me into bankruptcy.

6 months after I purchased the Progressive policy from them, I was parked next to a building that took a lightning hit. The adjuster came out to look over all our ruined electronics. I had $6000 worth of damage. I was glad I had purchased the extra insurance. But wait! $10,000 Full Replacement Cost does not mean $10,000 full replacement cost. It only means up to $2,500 per category, and It only means up to $1000 per item! What a surprise. They would only pay me $3000 for the $6000 in damage no matter that I paid for Full Replacement Cost.

This company is a ripoff, either because they don't know how to insure people or they are dishonest about it. I only asked for John to make sure I was covered. He did not. They said there was nothing they could do and that I should buy more coverage for the next time.

So then he proceeded to tell me I needed tires. I said, no, I just bought tires in 2004. He disagreed and said I was responsible for up to 50% of wear and tear of tires by somehow my mileage then, and now I said okay. After drilling my daughter with the same questions we were both upset. Come Monday morning, I got a call from the police department to come in. I thought there was a followup. But I was wrong. They said, there were too many red flags on the claim. The other key was gone. When I said I had both sets and all the thief took was tires. He said something unusual, I didn't get it. Then he proceeded to say if I just confessed, it's not like a homicide or murder, I wont get in that much trouble. I blew up then. The claim guy and police department think I had my car stolen! I said where is my motive I have 1000.00, he said car was worth 5000.00, and my deductible brings down to 4000.00 in my pocket. So now i went from a nice car to 4000.00 in my pocket? I am extremely upset. Claims guy had taken samples of fluid from my car to be tested. Meanwhile I retained an attorney for 1250.00. Harrassment, falsely thinking I stole my own car. Now costing my 2250.00 for the loss of my car. The grief and feeling violated by whoever took my car. I went from victim to criminal in less than a week. So as soon as this is taken care of, I am cancelling Progressive Insurance and would advise anyone not to think they are all that. I am not a thief, I did get that job as of today and I am waiting to see what they do next.

As I drive on a rainy day, I can hear water dripping onto metal somewhere inside my car. I checked the forecast to see if it's going to rain so I can try to get a ride from someone else or not drive at all to prevent further damage to my car. Some of the problems this has caused are the control buttons on the console going out, which includes the windows, side view mirror adjuster and trunk release. The air conditioning also does not work due to some electrical problem with the buttons, which may or not be caused by the leak or the accident. I had the pressure sensors for the console buttons fixed last year, but when the summer rains came, they stopped working again, which is what made me decide this was related to leaking. My headliner is falling off all over the car due to the dampness on the roof. The headliner is also falling off the sunroof for the same reason, which means I can't open and close the sunroof.

I fan the doors at red lights since I can't role down my windows, open my sunroof or turn on the air conditioning in the Florida summer heat. When it rains and my windows fog from all the humidity in my car, I have to wipe my windshield of my Mercedes with a rag. I'm drenched in sweat anywhere I go. What was once my dream car has been daily misery ever since the wreck. This problem is deteriorating the condition of my entire car. I don't know where this leak is coming from or if it's from more than one place, but I've been dealing with it for over a year now. These problems either need to be fixed or if the damages are too costly or just too much of a hassle, then my car needs to be replaced. On February 8, 2008, I brought my car in to the Progressive service center to have them look at some paint bubbles that were apparent in the paint job they had previously done. They said they were going to take it in the back to try and buff it out. You can't buff out paint bubbles.

I went to sit and wait in the lobby when thirty minutes later, a service representative came to inform me that it wouldn't be much longer and that one of their technicians took it down the road to a car wash and would be back shortly. I went outside to wait for them to return. I watched him pull off the street into the parking lot with my car and the sunroof was open in the tilt position. I informed the service representative, who was standing next to me (his name was James), that I noticed that the sunroof was open. He said nonchalantly, "oh he just opened it back up". I got into the car and felt like I smelled something burning or melting, and as I put my hand on my shifter, I noticed it felt unusually warm. I noticed streams of soapy water down the inside of my windshield and I wiped them off with the sleeve of my windbreaker jacket. On the jacket, I could see the white smears from soap. I continued to wipe off the water from my center console and armrest, my steering wheel, my seat and both door panels. It was now dusk and I just wanted to go home because I was so mad at their **.

I got about half a mile down the road when I decided that the increasing heat and smell from the area of my gear shifter was not normal. Yes, I leaned over to sniff and found that the burning smell was coming from the shifter. I turned right around and told James that I'm aware that it was taken through the car wash with the sunroof open, and that if anything for some reason went wrong in my car because of it, that I'd be back and they would be responsible. I asked the name of the man who took it through the car wash and he said, Bob. He went inside to get Bob, who told me that he closed the sunroof when he went through the car wash and opened it when he came back. Being a 17-year old girl with her first car, I didn't know that the world was cruel enough that I needed to get written recognition of this problem from a manager to insure justice. From the service center, I planned to go straight to my friend's house in Ponte Vedra before I had planned to go home.

It's about a twenty minute drive from the service center to my destination and probably about 9 o' clock. I didn't make it before my car lunged forward as I was waiting to cross an intersection. It would lunge, sputter as I tried to give gas but it only jumped and stopped, jumped and stopped. Luckily, I was able to coast through the intersection without being t-boned and the road was downhill so I shut the car off and coasted to the side. I waited three hours till 12 o' clock for a tow truck. It was towed to AAMCO transmissions where they said I needed a new transmission. We wanted a second opinion so we had it towed to Mercedes. All this towing was at our expense. Mercedes said that I did need a new transmission. We found a used transmission for $5000, the labor at Mercedes was $1000, then we had to get new seals for it which was $500. When I asked Mercedes why this happened, they said it looked like water damage.

Some other little things: When my car was returned after McCormick did work last year, my driver side view mirror was apparently broken or knocked out because I noticed that it had an orange tint to it when it was returned. Since the rains, this orange tint or dye is deteriorating and now the mirror is half orange and half clear. That needs to be replaced too. The bubbles in my paint that I brought it in for when they took my car through the car wash with the sunroof open were never fixed. One bubble that was on the trunk popped and now it looks like a paint chip. I mentioned this when it was small, but I was shunned and it is still growing as I expected. My sound system is again, after having been repaired last year, acting up because of the leak. My emblems still have not been fixed. There is glue and scratches around the emblem and the emblem is loose.

2.5 years of anger and frustration, $5000 for transmission, $500 for transmission seals, $1000 Brumos Mercedes installation, $100 to fix pressure sensors on console and more than ten hour long trips across town to repair shop and "service center".

If that was not bad enough, they claimed that I am partially to blame and are still determining what they are going to pay. I'm sorry, but I was under the assumption that collision coverage covered the cost of damage to my car if I was in an accident. I've had to take out an additional student loan to cover the rental and deductible. I can't afford to pay for repair costs if they deny them. I'm so stressed out about this! I hate this company!

I arrived at their service center and waited an hour and a half for the estimate. I was told that I would use their concierge service which I told them that I wanted to control the repair of my car and to issue me a check to pay for repairs. Their estimate for repairs was $931, over $3,000 less than my cheapest estimate. I refused the check and asked them for another estimate. They told me if I used their concierge service, it would only cost me my deductible ($500). They were also estimating it would take three to four weeks (I have no rental coverage) to repair where both body shops estimated a week. After calling my claims rep, he said (in so many words) either I use the concierge service or all I'll get is $931. It sounds a bit like extortion to me. I am going to invoke my appraisal clause and retain an attorney if needed.

I asked them to defer their judgement of assigning a degree of "at fault" until after the court date, but they were adamant about assigning 100% fault to me. They even exploited their position on the issue, stating that there could have been a child in the backseat of the car ahead of me! In their defense, I did talk to the supervisor who clarified some of the issues; but I was still very disappointed about how they handled this claim. Also, the contract they sent so they could service the vehicle at their service site was signed by my father and not by myself. Had I received the contract, I would have reconsidered even sending the vehicle to their service center. They also stated that if they repaired the vehicle themselves, they would not pay more than approximately $5K because of fees associated with salvage.

The whole process seemed confusing and their approach unfair. They are ultimately only concerned, in my opinion, to their bottom line and not about the client's well-being.

On 4/20/09, a guy came to see my car at around 12:30 pm. What he did was to check if the gas smell was still in the car (they wait 10 days to do this, and I washed my car twice) and took some pics. Since the damages to the paint did not show yet, so they said they needed to wait 1-3 months until the damage show up. So that's why they waited 10 days and then send an adjuster to check the car. From the first day, they had already made a decision of not going to accept any liability for this case. I saw Progressive Insurance advertising almost every day on TV. Now I know how bad they are.

After the fact, the SUV driver claimed that the valet driver hit her vehicle with mine - although she never made that claim on the day of the incident. But the damage was clearly side impact and logistically impossible unless my car moved sideways into her front driver's corner bumper. But Progressive took her word, despite the type of damage, and would not accept the police incident report which clearly states ** GMC Yukon at fault. So on top of that, she filed a claim against my insurance company. There was paint on the corner (only) of her front driver's bumper, further substantiating how the incident occurred. My claims adjustor never got a statement from her because she did not return any phone calls.

After that, they were more difficult. They refused to send someone out to do an estimate on my car (my car was a 2007 Cadillac CTS in perfect condition with 16000 miles on it). Instead, they wanted to use pictures. My car is completely stripped, most the wiring is torn out, seats are gone. The car sits like it's twisted (the car was pushed by both sides with a loader, bulldozer) and the doors have holes in them and are pinched where the two doors meet. They are not including all this information in their estimate. Also the stereo and stereo equipment are not included in their estimate. They want to use non-OEM parts in my car. My car is less than a year old and it was perfect.

Using these parts will diminish the value of my car and void my factory warranty. Using said parts will not return it to pre-loss condition. Before it was stolen, it was under warranty. They have also told me if I wanted the non-OEM parts to be guaranteed, I would have to send it to one of their shops. Isn't that illegal? They are delaying my claim process and I feel I'm not being treated fairly. I had to fight with them for a month and a half to get them to have someone even look at the car.

On top of this, I asked the body shop to get an estimate on how much it would cost to fix my car's mechanical problems and they were not set up to do so. So I wanted to have my car moved to Cadillac so they could get a full estimate, and the insurance co. said that I would have to pay the storage, the storage they racked up for not being timely with my claim! How is that my fault? I'm being pushed around, ignored, and violated again. Dealing with Progressive is as bad as getting robbed. They avoid my phone calls and use smug attitudes to intimidate me, and it is wrong.

My husband and I are victims and we are treated as crooks. My husband worked hard to buy that car and now we are left with a pile of useless and worthless parts. Every attempt to receive documentation about my claim has failed. They are knowingly withholding information from me and my broker, and are doing everything in their power to lowball my claim and make me feel there is nothing that I can do.

Well I was told because my wife and I will be driving, it would be better to get the insurance. I talked to him. I told him he should have told me or he should have made the arrangement for the rental car. Now they still haven't paid and it's April 8, 2009. They need to pay the full amount and go after their client for the extra money. It's not my fault. Their client hit my car and was ticketed by the police for it. Now I am out the full amount of $624.84 they owe me.

There was $2000 damage to my truck and the left frame rail was bent 12 mm. There was $1900 in damage to the van that hit me. The police report stated that the individual driving the van that hit me admitted he was not watching the road and had turned around talking to individuals in the back seat. When he turned back around, he then noticed I was stopped at a stop light and he hit me.

I had to go through 5 claims reps and a senior claims rep that oversees the Orlando Florida claims office before it was resolved. The first estimate by Progressive claims rep was for $63. The second claims rep put the damage estimate at $400 and after finally going to the top, the settlement was $2,224.86. What a difference in estimates. That was when I fully realized that Progressive Insurance is out to screw accident victims.

Since that time, I have had MRIs, physical therapy and massage therapy along with pain medication. When trying to settle the personal injury claim, the 1st offer was $10,000. Then I decided to have an attorney get involved because the amount of physical damage that exists and the eventual surgery that will be needed at some point is well worth $100,000 or more. Well, having an attorney involved increased the offer from Progressive Insurance to $12,500. What a joke!

Due to the way the laws are written in Florida and the way the system operates, if you have to pursue this through the court system, Progressive will eat up any settlement that you get with expenses incurred through the legal process.

I have constant pain and difficulties as a result of the accident and Progressive Insurance sees this as a low impact collision. The reason they see it this way is that anyway they can screw accident victims out of a claim, it saves them money and increases their profit.

Ryan **, Progressive's attorney is a complete parasite, slime ball that couldn't care less that their insured caused the accident and the amount of damage, personal and physical. All he cares about is saving Progressive Insurance money. Screw the victim.

I have enough information through this experience to write a book about Progressive tactics - they wrote the book on how to screw accident victims. Progressive Insurance is consistent of what is going on across the United States with big business. They take money for the insurance premiums but when it is time to pay, all of a sudden, they find any possible way not to pay a claim. Ryan ** and Gregg ** are the slime of the insurance industry and Progressive Insurance is full of these individuals. Apparently they have no souls and do not believe in karma.

I hope they all get paid back in some way for the way they treat accident victims. This type of business practice needs to change and Victims should not have to go through what I have been through to settle a claim. Progressive Insurance employees are the lowest form of human existence. With or without an attorney, you are screwed unless you can find another way to get back at these individuals.

As this progresses, I will come back and write the final outcome.

On March 7th, 2009, I drove my Equinox to Lake Forest, IL during the day and came back home to Chicago around 6:30p m and parked the vehicle in my parking lot. I went back to the car around 10:00 pm and the keyless entry would not work. I tried to start the car and absolutely nothing happened. It was pouring rain so I did not open the hood until the following day, 3/8/09. When I did, we instantly could smell something burnt and what I assumed was the fuse box looked melted. I called my mechanic Monday morning and had the car towed in instantly. I did not take it to the dealer right away because frankly the dealership that I had bought the car from was no longer there and the location had changed names 4 times (Lynch, Mizera, Z Frank, and now Mike Anderson) in the last 4 years.

My mechanic called me and said that I should get my insurance involved so I did. I called Progressive and stated that something had happened to my car and that things inside the car were burnt, meaning a possible fire had occurred. They said that they would contact GM and that if anything they would get the car fixed and then take it up with GM after. Two weeks into the process, Progressive says that I am not covered since there was an exclusion(?) in my policy that if the damage is confined to Electric, then I am not covered. Mind you, at this time, we did not have any estimate or know the extent of the damage nor did we know what the cause was. And we still do not!

My father and I continued to call GM. A woman named Leslie with customer service told him to get the car to a dealer, so we did. She also assured us that they were looking into the situation and that someone will be out to look at the car. After 2 weeks of the runaround, we were advised to call the Legal department. The Legal Department then told my father that there is a law in Illinois that GM cannot do anything after 4 years of the car's life. It's unbelievable, especially since the car was about 1.9 month past that date (1/10/2009) when this happened and it only has about 40K miles on the vehicle. Also if this was the case, why were we led on for 2 weeks and not told this instantly?

It is now 4 weeks after the incident. I am very disappointed in GM and Progressive and the entire situation. I paid $30,000 of very hard-earned money on a car thinking it had the best warranty in America (so the GM commercials say) and it did not even last 4.2 years without completely breaking down and being worthless. I was told on Friday that it would be at least $10,000 to fix the car and neither GM nor Progressive are stepping up to help in the situation.

When I called Progressive, they said they weren't responsible for bulbs (even though the tail light was 100% functioning before the accident)! Then, the phone representative, who I later learned was the supervisor at the Progressive office, looked at photos from my accident and said she couldn't tell if all 3 bulbs had been decimated. It seems to me that if the entire tail lamp had to be replaced and the bulbs were all working before, that it would be part of the repair. On top of which, if she couldn't tell from photos, Progressive doesn't even document their work very well. She told me the bulbs didn't cost very much - implying I should just fix it myself. She said I could bring it in for a courtesy replacement (it shouldn't even be courtesy! It should be part of the repair!).

I was irritated at the inconvenience, but went ahead to O'Reilly Auto Parts. The O'Reilly guy and I both tried to remove the tail lamp cover, but neither of us could get it off. I didn't want to break it, or it wouldn't be covered by Progressive.

When I called back the next morning to try and schedule a re-repair, the man on the phone was the same one who had given me my car back the previous day. He was rude on the phone. He talked over me and cut me off and was not listening. He said he had given me the car himself so it was fine. I said he hadn't sat there and watched me try the turn signal. Why would I do that when the car was parked in front of Progressive? As a matter of fact, he didn't watch me try anything. He launched into a vehement speech about how Progressive would never let a car out with that problem because it is a liability - exactly my point. So basically he was implying that Progressive doesn't make errors like that. Well they did.

So after arguing with him for 5 minutes, I said it didn't even matter because the female rep from the previous night's phone call had already offered a "courtesy repair." In a very tight voice and clearly annoyed, Arthur gave me the supervisor's name, fax number and phone number. When I requested the repair for the following day (a Friday) all he said - in his very tight voice - was, "We don't do re-workups on Friday." I had to then ask, "Then which days do you take them?" He was very unhelpful and clearly being belligerent and passive-aggressive.

I would never ever, ever buy Progressive as my own personal insurance. Not only do they have very, very few locations in the city (Houston which is a large and highly populated city!) to take your car to compared to other car insurance companies, their customer service was awful. I still have no answer on when or if the tail light problem will be fixed. I may get a ticket or in another accident with a turn signal light bulb out. But Progressive doesn't care as long as it doesn't cost them anything. Plus, this is costing me time off work to have this dealt with - again.

I will say that my claims rep, Bridgiel **, was a shining star - extremely, kind, intelligent, helpful and informative. I would promote her if it was my company.

After talking to my adjuster, I was told that each party would be responsible for their own damages and that I needed to bring my car in for an estimate. Due to my hectic work schedule, I asked the gentleman to come to the scene which was 3 minutes from my house. He never came but he kept insisting that I draw a diagram of the parking lot. This would be difficult to do as I am not an artist and the parking lot was a little complicated to read and could be better explained in person. After all, Progressive's policy is that they come out to investigate for their customers.

In order to get my car fixed, I had to pay my minimum in which I did not have the money to do so at the time so I decided I would wait. The damages to both cars were minor. Almost a year later, I got an email of my renewal statement saying that my monthly bill was about $100 more each month! I was totally confused and called the insurance company where I was notified that I had been put at fault for the accident. The adjuster never came to the scene; the gentleman who put me at fault had never even spoken to me. They never sent me anything notifying me of this decision.

It was totally unprofessional and to make things worse, they had already started paying for this lady's damages. Once I began to complain, they decided to come out on 1/16/08 (almost a year later). I am 4 1/2 months pregnant and waiting in the cold for the adjuster who arrived 30 minutes late. He came, listened to me, took pictures and then called me 1/20/08 and said, "I fought for you (yeah, right) but the decision remains the same". The way I look at it, they paid for this lady's damages temporarily and now I'm paying for it permanently.

Why would I delete one thing online and then call to make other changes via the phone? I asked for proof and she faxed a copy of an email someone sent her at two something in the morning! All it says is the caller name and my name (this is supposed to be proof I made a change online). It just shows I had coverage and then below it says no collision coverage! I called and said it made no sense. They agreed I had another car on that policy that was older and I only owe $6,000 compared to my new car ($30,000), and that old car still has collision coverage on it! I would never take a collision coverage off. That is the whole point people have insurance! But they will not help us even though it showed we had collision on both cars since we first started with them!

I also never signed anything agreeing to changes that I never made, but they said that doesn't matter due to the fact that they say they sent something in the mail (which if I had gotten, I would have called right away to find out why the collision was missing)! I have been in a nightmare with this company and my wife has gotten extremely sick due to us not having the money to fix our car! I hope someone can help us because it just can't be right!

The dealership said that Progressive was withholding 5-10k dollars in supplemental checks. My car has been in the body shop from 11/19/08. This is going to be 60 days without a car while I still need to get to work to pay the car note. Progressive is giving us and the dealership a hard time at every step. To put a number on it, it has cost, at this point, $4,800 due to their mishandling of this claim and I still don't have the car.

The other driver's daughter is a manager at Liberty Mutual. They do car insurance and she knew how to play the game. She demanded that the police officer amend the report stating her side of the story. The Story went like so, she states that I drove on the wrong side of the road and ran the red light and then hit her. Now I spoke with the officer and he informed me that the damage that occurred on the vehicles does not concur with her story. He said and I quote, "Her story makes NO sense to me!" I informed Progressive of this and they told me not to worry because they do not pay liars. I waited and continued to call my adjuster to find out any new information. I called the adjuster for a week straight and had got no calls back. Finally I called Progressive to see what the problem was. They informed me that the original adjuster was transferred and a new adjuster is handling my case. No one called me and informed me of this. I called the new adjuster and ask what was going on. She informed me at this time that both insurance companies have agreed to handle this as 50/50.

I have a police report that states that this accident was not my fault. But without my knowing and compliance they came to an agreement. I had Progressive and she had AIG. I informed the adjuster that this was insane. She told me that there was nothing I could do. Now my car was worth about $5k and I got half that the car was worth. I was willing to go to court over this, but was told by the adjuster that since the police report stated that the accident was not my fault that this would not go on my record as an accident. I figured that I should not waste anymore time for $2k dollars. I let it go and moved on.

On 10/9/08 I looked at my policy with Progressive and saw that there is an accident on my record. It is $168 charge every 6 months and all of my charges and risk factors are thru the roof which raised my monthly payment. I called progressive and they have on my file that the accident was not my fault but I am still being charged for it. I am now waiting to hear from them after speaking to a supervisor. I think that Progressive is a horrible company. Stay away!

Now we are in collections. Progressive also will not pay because of vehicle weight limit on the policy that we were not aware of. I don't feel that this is right as we had insurance and both of us were listed on the declarations page. We lost everything in this accident and believed that we would be covered. Now we have U-Haul coming after us for damages, we have no furniture and we have collections after us. My partner had to stop going to physical therapy because we do not have the money to pay and has to work and is still in pain. All because we thought that we were going with a reputable company for auto insurance and it is the law to have it. We also cannot find an attorney to take on this case. Our attorney we did have dropped us because he said that the person who hit us has no assets. Did I mention that this happened in the Navajo Nation on a state highway?

After the accident, however, everything did NOT work correctly. Both rear passenger windows were knocked off track as a result of the accident. My son took pictures of the damage while the auto repairman had the doors taken apart to examine them the day after the accident happened. Progressive told my son that the windows coming off track was not a result of the accident, and are refusing to pay to have them repaired, even though my son has pictures proving otherwise. Also,another incident occurred as a result of this refusal to honor their policy promises-- thieves broke into my son's car through that broken window, and cut wires in his panel, and destroyed his ignition switch in an attempt to steal his car.

Progressive Insurance agents are lying their butts off to get out of a repair that is obviously a direct result of an accident that they, if they were honest and had any integrity to speak of, would have honored their policy promises, but somehow, Progressive doesn't seem a fitting name for this company, nor does the word honor describe them; I believe DIGRESSIVE would be a more apt and true title.

After two weeks and only removing the lower unit they stated they would not cover the repair because they believe it was a mechanical issue. They stated there was water in the gear box and a lack of oil. They stated they see the break on the outside of the caviture plate but that doesn't cost much to fix. The mechanic repeatedly told them that there clearly was an accident because there is a fresh break in the caviture plate, and after he (mechanic) investigated further on the problem, he found that a seal had been blown which caused water to enter the gear box, remove gear oil and break gears. He states that this seal cannot be blown unless a hard impact occurs because it is under engine pressure. He also stated if this water was previously in the gear box there would be shades of black burned into the gear ring and there wasn't. It looked like brand new.

My mechanic who has been in the boat repair industry for forty years and repairs about 50 I/O engines a year says that he is certain the reason for the lower unit gears malfunctioning is because of the contact the boat made with the object underneath the water. He states that this insurance company is wrong and they should cover my repair. I went ahead and had the unit repaired for a cost of $4,100.00.

I don't know a lot about boats or how the engine components work but I believe the mechanic. He states there is plenty of proof that suggest this malfunction was cause of the accident. I also have pictures of before the accident and after and you can clearly see the break in the caviture plate just above the propeller which clearly means it hit something underneath water.

At this point I'm very frustrated with Progressive not only did they not cover the repairs, which even in the policy states would cover hitting objects underneath water, but they dragged this whole incident out for nearly 1.5 moths. Now my summer is gone, and I'm out $4,000.00.

I was not home at the time, and he did not call me for any information until Aug 28th. By then he had written an estimate of damage for $1003.09 that exceeded the value of the Bronco, which he said he estimated at somewhere around $600. I told him I had already bought a door for $75 at a local junkyard and I also have a full set of new tires for it. I wasn't interested in salvaging my vehicle, I need it, and I can't replace it for $600. I told him I would be more than happy if they just paid me back for the door and had it installed, but he said that was not an option. He asked if I wanted to opt out of the claim and I said yes, just leave me and my vehicle alone.

Well I never did see that estimate for repair, or the assessment of the value of my vehicle. Never saw or recieved anything in writing whatsoever from Progressive or Mr. Heckman until Sept 16th. Then I got a letter telling me that my car had been reported as a total loss to the Dept of Motor Vehicles, that I had opted out of the payment for it, and the claim has been approved and closed. The letter also included the Motor Vehicle Code Statute regarding the title of my vehicle and the application for a Certificate of Salvage. I called the insurance agent for an explaination only to learn he is out on a 2 week vacation. The other agent in that office would not give me any information but agreed with agent Heckman's actions.

Did I happen to mention that I never signed anything throughout this proccess? Or that the Bronco II is titled and registered in my husband's name? Progressive apparently doesn't need his approval for anything they do with his vehicle either. While searching for information about our rights in this matter, I found Progressive has a claim tracking site online. I finally saw my repair estimate there. It includes repairs for every bit of damage on my vehicle, regardless of relevence to the accident, and a new paint job too! No wonder the repair estimate exceedes the value. Well, Progressive Insurance Company, I smell something stinky going on.

I'm not sure yet since this guy is on vacation. I believe I am losing my vehicle as salvage, with no payment for it, and without consent. The best outcome I can see at this point would be that I can keep my damaged vehicle with no payment for repairs, but I'm not sure that is possible

Progressive re-investigated my claim and AGAIN claimed manufacturers defect, but a DIFFERENT defect. I objected and demanded they show me ANY OTHER Progressive claims on Weekend Warrior Trailers with this manufacturers defect. They were unable to do so. Progressive then changed the denial to leaky seals (read: improper maintenance). However, they based this claim on pictures and testing over 600 days AFTER the initial claim. They are a fraud for an insurance company.

I will be out-of-pocket several thousand dollars.

Car underbody got damaged. Progressive said it was totaled. they offered my 2400 less than what Kelly Blue book value is. I asked if it is totaled if I can keeo the car, they said no because in order to get some money back they take it to the salvage yard and get money for a car they don't own. I asked if I could have the repairs fixed for less than what they were going to pay me and they said no with no reason. They demand body shops to use after market parts and do shotty work. I know this for a fact because I have friends in the auto body business.

They might be cheaper than most others but any cunsumer that needs progressive to pay for anything will be in for a rude experience and wish they paid a little more money to go to another company.

Soon after that my car stopped working I was stranded and the electrical system was damaged they never even paid me back for the towing ! The best part was when my cultch went and I almost had a accident once more they fixed it but I was lucky I did not die the worst part of it all I have a 2 year old son that Is always with me! I called the claim adjuster and when I told him that the car was making a noise and if I wanted fixed I had to pay for the labor to take it about if they did not find what was wrong ! they never gave me a car that worked in the 1st place why would they now ! They never fixed my car I pry to god noting happens to us because I can't afford to get a new car when no one will buy my car and I don't blame them !

Permanant neck/back damage; totalled out car; one years doctor bills.

My car is totalled, I had some minor whip lash and shoulder muscle strain and bruising. I have a job I cannot get to in Tallahassee. My life is turned upside down with this mess.