My 16 yr old daughter was crossing an intersection on her bicycle on Sept 1, 2007. Driver of a vehicle covered under Progressive, collided with my daughter causing her to fall off her bike. She suffered bruises and scrapes and a right radial head fracture (right elbow). Police report was written to indicate my daughter was at fault!! Progressive jumped on that and told me I would be responsible for the damages to the van. It was a scratch. Then in October I received a letter from Insurex stating I owed $798.64 for damages to that van. No further contact from Progressive, they automatically contacted a collection agency to attempt to collect this "debt". I have been receiving harassing phone calls from Insurex insisting I pay this. I have requested copies of the invoice for repairs, copies of estimates prior to repairs and any other pertinent information. They have refused!!!! I finally had to contact an attorney, who not only called Insurex (3-way conference call) but sent them a letter informing them that what they are doing is illegal and is considered harassment. He told them they are to refrain from calling me EVER again or he would press charges. So far I haven't had anymore phone calls. I do not owe Progressive a dime. They are harassing me based on the police report. The officer was not there at the time so for him to right a report indicating a pedestrian was at fault is assanine!! A debt only exists if there is a judgement from a court of law stating I owe Progressive money. I hope other people read this BEFORE bowing to these unscrupuolous, intimidating companies and pay money they DON'T owe. In most cases the initial consult with an attorney is free. Get someone on your side to back you up, if need be but DO NOT pay these people!!