• Report: #1116761

Complaint Review: Progressive Auto Insurance

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  • Submitted: Sun, January 19, 2014
  • Updated: Sun, January 19, 2014

  • Reported By: KenTheSailor — Philadelphia Pennsylvania
Progressive Auto Insurance
6300 Wilson Mills Road Mayfield Village, Ohio USA

Progressive Auto Insurance Progressive Auto Insurance might be trying to get out of paying a claim. Typical? Mayfield Village Ohio

*Author of original report: More on Progressive

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I just bought a car 9 days ago but I have been using Progressive Insurance for over a year. I am 48 years old and have never filed an insurance claim in my life but have been paying auto insurance for over 30 years. Yesterday while my car was parked around the corner from my house, it and two other cars were hit by a drunk driver. The police came, wrote up the report, arrested the impaired driver, and got everyone's insurance information. I went to the police station to make a statement and went home to report the accident to Progressive Insurance. This was all on a Saturday. I made t he initial claim and asked about the rental car. I was informed that I could call in the morning on Sunday after 930 to have someone get the rental car for me. I did this just a little while ago and was lied to right off of the bat by the agent who claimed that it was Sunday and Hertz is not open to rent a car from. What does she think, we are stupid? You can rent a car from Hertz 24 hours a day, 365 days a year. I pointed this out to her and she then said that she needed more information about the claim before being able to rent a car. I provided the name of the dealer I bought the car from, gave more detail about the damage to my vehicle and after I finished she said it sounds like the car would have to be totaled which is a bunch of B.S. Nothing I said would have allowed her to come to that conclusion. She also said that since I bought the car within the last 10 days that they would need to invesigate the possibility of fraud for the claim. What? The police report will state what occurred and it is not like I arranged to have a driver hit my vehicle. The driver who was arrested for DUI also has Progressive Insurance so I thought that this would make the process go more smoothly. I was informed that a local "investigator" would be following up but they are not working today (of course) but my problem is I need my rental vehicle to get to work on Monday since that request has already been denied I will lose out on income. This is just the initial impression I have gotten from Progressive but I fully intend to follow up with detailed reports as this process moves along. My main complaint here is denying me my rental car right away which is supposed to be covered in my policy. I do have a question if anyone has experiencew with this. Should I contact a lawyer about this now?

This report was posted on Ripoff Report on 01/19/2014 09:07 AM and is a permanent record located here: 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 Author of original report

More on Progressive

AUTHOR: KenTheSailor - ()

I was assigned a claims adjuster (Inez) and she did get me a rental car on Monday but only after I agreed to have them tow the vehicle to one of their service centers. I didn't realize it at the time but she was pressuring me to give the car to them and using my rental car as the incentive, because otherwise, it could have taken "2 or 3 days" in her words to get the car. Two days later they informed me tha tthe car was totalled. This would have put some financial stress on my and I told them I would like a second opinion. They said that I have that right and they would also be allowed to get an independant appraiser of their own. I said fine. I sent the photos and the estimate to a auto body shop who told me that he could repair the car for less than what the extimate was and it would be up to the same standards. The next day Inez told me that the vehicle was totaled and that was final because of the damage to the suspension. On the estimate there was no mention of the suspension and when I told her of this she said she was told this by her supervisor and that it was a "zero" line item on the estimate which I am assuming means that it is invisible. She said that the body shop would find the damage when they removed the quarter panel. How does she know this? I explained that I was having a tow truck to come get the vehicle. She said if I did that then Progressive would immediately deny my claim. WHAT?! What about what she said about having Progressive sending an independant adjuster to look at the vehicle? They then also threatened me with no longer paying for my rental car and now I have to return it on the 27th. Can they do this? According to the attorney I spoke with they can do this but then I would file a claim to be reimbursed. After do more research I discovered that the insurance company will make money on the salvage of the vehicle also and they keep that money for themselves so when they claim that they are paying you the value of the car that full value does not come out of their pocket because they get some of that money back. I am going to try to negotiate with them one more time over this but have a feeling they are determined to put me in 3,000 dollars worth of debt to save them a few hundred dollars. I was also advised to file a complaint with the PA Insurance Department, Consumer Complaints section which is my next step if we cannot resolve this. Here is the information should anyone else in PA happen to have the same problem.

Consumer Services
Pennsylvania Insurance Department
1209 Strawberry Square
Harrisburg, PA  17120
Phone: (717) 787-2317
Fax: (717) 787-8585
TTY/TDD: (717) 783-3898

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