ChiefsPlanet - Poop What a dick move by Progressive

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What a dick move by Progressive (https://chiefsplanet.com/BB/showthread.php?t=262472)

What you don't see is off screen the sister tried to attack the police officer and the officer had to put her her down.

Quote:

Originally Posted by Brock (Post 8824172)

Has Flo made a comment on this yet?

She is the reason I will never switch to Progressive. I don't care if it saves me $1000/year.

**** insurance companies. Every one of them.

Quote:

Originally Posted by morphius (Post 8824223)

insurance and lawyers, yup, sounds like hell. One can say that Progressive didn't do anything wrong, but it would be more difficult to argue that they did anything right as members of human race.

:clap:

Great. They did nothing wrong by the standards of a court of law.

Now let's see how they fare in the court of public opinion.

Quote:

Originally Posted by Saul Good (Post 8824181)

Are you guys serious? This is the biggest bunch of bullshit I've ever read.

The policy doesn't pay if she was at fault in any way. Even the guy writing this acknowledges that she may have bee at fault.

Then this dude says that they don't care about money and claims that they are suing the insurance company out of honor. Seriously...those are his words. Then he says that they don't want to kick around the guy they say is to blame because he's been through enough. Pretty interesting that the broke guy who killed your sister but doesn't have any money you can take has been through enough, but fighting the insurance company with deep pockets somehow honors your sister.

Which side wins out? The side that will get them paid, of course. The only way to honor their sister is to sue the guy who has been through enough. (Sorry, dude...honor and all)

Of course Progressive is going to point out the fact that she may have been partially at fault if, in fact, she may have been partially at fault. Why would they just scratch huge checks that they may or may not owe?

Sorry about your sister, but you are a POS looking to cash in on your misfortune.

Other than the last sentence, I agree with every word of this. The guy doesn't get the system, and just wants to get a windfall of money because of his sister's death that he may OR MAY NOT be entitled to.

And, P.S. EVERY insurance company stuck in this uncomfortable position would do the same thing. Progressive isn't doing anything unusual here.

Quote:

Originally Posted by jspchief (Post 8825023)

Great. They did nothing wrong by the standards of a court of law.

Now let's see how they fare in the court of public opinion.

I deal with insurance stuff with unfortunate frequency. While I truly don't care much for them, it's easy to see why they become such a-holes on some things.

EVERYONE thinks they're a piggy bank to be tapped whenever the least thing goes wrong. Eventually anyone si going to get a paranoid mentality, which isn't paranoia if they're really out to get you, right?

So 100 people come after you on questionable claims, and they fight them all, and we hear the sob story about the legitimate ONE (out of the hundred) where they probably shouldn't have fought. Meanwhile, 99 scam artists...

The moral to this story is the same as the moral to my recent accident story = don't pay for under insured policy.

I was hit by some idiot on sunset blvd. taco'd. Turns out the city of Los Angeles passed legislation that allows a $5k policy. $5k isn't enough to fix a car these days, yet the metropolis that is LA adopted this policy. It cost me an extra $2k to have the vehicle fixed.

I have a Progressive issue also. I used to use them for insurance. I bought full coverage on a truck that I had an accident in. The accident cost several thousand dollars to fix but progressive said they would not pay because it was my fault (I was going around a corner on the highway, hit a patch of ice and rolled my truck in a ditch). They would not pay the claim.

Do attorney expenses effect the Combined Ratio or is it just claim payout?

Quote:

Originally Posted by alnorth (Post 8824233)

Its not his sister. He reposted some dude's blog without taking out the 1st-person narrative.

Progressive has every right to argue in court that her underinsured motorists coverage shouldn't pay out, if they think it was partially her fault and the other insurance company (which wasn't on the hook for hardly any money at all) isn't interested in doing anything about it.

Yes, they have the right to make a decision. I think it would also be safe to say they were inaccurate in their assumption of negligence. I would also add as someone who worked as an auto claims adjuster (right after I completed my undergraduate degree) that I feel fairly certain that had the other driver been fully covered their "determination" of who was at fault would most likely have been quite different. It can sicken your stomach to sit in on how some of those decisions are made and with such disregard to the customers who are PAYING THEM every month with faith that they will protect them in those times of real loss.

Quote:

Originally Posted by alnorth (Post 8824180)

Yep, pretty much.

The family wants the underinsured motorists coverage to pay out the policy limits, Progressive thinks the accident was at least partially her fault in which case the policy wouldn't pay. The fact that the other driver's insurance threw in the towel is not relevant because if he had just state minimums, its not worth fighting.

This is the sort of issue that should be dispassionately settled or litigated. A grieving, angry family member is in no position at all to provide a reasonable, fair perspective.

Thanks for once again writing my response for me.

Quote:

Originally Posted by chop (Post 8825054)

You are leaving out a big part of this story. Full coverage is for when you are at fault. If you weren't at fault, the other party would pay.

Either you didn't have collision, you had a crazy deductible, or you are full of shit.

I had to sue my own insurance about 20 years ago as a result of a catastrophic car accident that left me in the hospital for weeks and completely jacked up my shoulder. The other guy didn't have insurance, it was his fault, and they didn't want to pay the uninsured motorist claim. It took about two years, I finally got them to settle, and I had to pay almost half to a lawyer. Total bs.