• Report: #461358


  • Submitted: Sat, June 13, 2009
  • Updated: Mon, August 03, 2009

  • Reported By:casa grande Arizona


*Consumer Suggestion: Is Progressive Liable?

*Consumer Suggestion: It helps to have uninsured motorist insurance

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while I was waiting in the (middle) left turn lane, I was hit by the 96 blue mustang from the rear which led to an oncoming traffic and caused accident. The Mustang fled the scene of accident. I donot have collision coverage. Witness and police report confirms the causes of the accident. Progressive insurance which covers the Ford mustang denied that since they cannot verify the actual driver responsible, they will not pay for the vehicle repair or medical cost. Any help is appreciated.

casa grande, Arizona

This report was posted on Ripoff Report on 06/13/2009 09:36 AM and is a permanent record located here: http://www.ripoffreport.com/r/PROGRESSIVE-AUTO-INSURANCE/nationwide/PROGRESSIVE-AUTO-INSURANCE-HIT-AND-RUN-CASA-GRANDE-ARIZONA-461358. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

Is Progressive Liable?

AUTHOR: Ull_win - (U.S.A.)

The above rebuttal doesn't seem to address the real issue.

Certainly I would agree uninsured motorist insurance would have helped in this incident.

The question in my opinion is: Does Progressive Insurance which covers the Ford Mustang (which rear ended Ananya) hold liability?

My from what I have read, and my previous understanding is: In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy.

Therefore, I certainly would not believe Progressive when they say they are not going to pay. This is often one of an insurance carrier tactics to simply brush you off, discouraging you from pursuing it further and avoid paying a claim.

I would definitely check with a lawyer. Who was driving the car may be somewhat irrelevant, as (my understanding is) Progressive is insuring the Mustang regardless of who is driving it.

If you talk to a lawyer, please re-post with their answer.

I hope this helps.

Ps. in Arizona you have up to one year from the date accident to purse a claim.
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#2 Consumer Suggestion

It helps to have uninsured motorist insurance

AUTHOR: Kai - (U.S.A.)

First off, I'm sorry to hear you were the victim of a hit and run driver. Those types of criminals should be thrown in jail.

From what you've written, it seems that you had only liability insurance, which means your insurance company will only pay for damages you cause to others, but not to damages you cause to yourself, or damages caused to you by others.

Theoretically, since the other driver was at fault, his insurance should have been the one responsible for paying all the damages.

However, since irresponsible fools are all over the road and sometimes choose not to be insured -- or worse, flee in terror when they've done something wrong -- it's smart to have at least some uninsured motorist coverage.

In your situation, uninsured motorist coverage would have given you some money back for your medical bills, lost wages, and property damage. The jerk who hit you should have been the one to pay for everything, however since they're gone, that leaves only you, and the coverages you bought for yourself.

Since you didn't have collision coverage, and also didn't have uninsured motorist coverage, unfortunately the insurance company doesn't owe you anything, because you didn't cause the accident, and your insurance is only liability coverage. It would be nice of them to throw you some money, but you didn't buy the coverage. Therefore, they'll pay nothing, because they're not your friend, they're a business.

It makes sense that in the future you should have at least some collision coverage. The only reason not to have collision coverage is if your car is not only old and not worth very much, but also if you can afford to buy another car to replace it outright, if necessary.

For example, if you had a 1985 Toyota Camry that was worth less than $2000, it would be silly to have collision coverage, because the insurance company would offer you a lot less than that if it were totaled. Better if possible to just have enough money in the bank to purchase another used, low cost vehicle in an emergency, and save on the collision coverage premiums.

Adding at least a small amount of uninsured motorist coverage (say, 15,000/30,000/15,000) can do a world of difference. I recommend buying heavier coverage, especially if you are in a busy area with lots of bad drivers.

Overall, if you buy at least a small amount of uninsured motorist coverage and collision coverage with a not-too-heavy deductible, it won't make such a huge difference on the monthly charges. Especially if you have a newer, high value vehicle.

It's not safe to gamble on the idea that someone who hurts you in an accident they caused will have insurance, or even bother to stay and face the consequences of what they've done.

So, unfortunately, you have to do your own job, and their job, too.
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