What a dick move by Progressive

[alnorth]

Originally Posted by JD10367

I'm about to dump Progressive anyway (I need house insurance and am switching my auto to the same new company). This makes me feel good about doing it.

Go with a mutual company, they do not have to worry about paying dividends.

[Demonpenz]

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.

[TimeForWasp]

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

[jspchief]

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.

[Amnorix]

Originally Posted by jspchief

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...

[Skyy God]

Originally Posted by Amnorix

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...

Progressive and their ilk love your 99 scammers to 1 legit claim ratio.

[Ace Gunner]

that damn obama.

[Ace Gunner]

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.

[chop]

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.

[KCUnited]

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

[Saul Good]

Originally Posted by chop

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.

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.

[Lzen]

Originally Posted by chop

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.

WTH? Isn't that why you have full coverage insurance? In case you get into an accident that is your fault?

[tooge]

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.

[Fish]

Progressive might not have done anything legally wrong... But this is a good example of how and why insurance companies don't give one single **** about people. Insurance companies aren't in the business of helping people manage accidents and property loss. They're in the business of making money, just like everyone else. They'll do things like this and more every time they're legally able to. It shouldn't be a surprise.

Sad and unfortunate all the way around.

[Skyy God]

Originally Posted by KC Fish

Progressive might not have done anything legally wrong... But this is a good example of how and why insurance companies don't give one single **** about people. Insurance companies aren't in the business of helping people manage accidents and property loss. They're in the business of making money, just like everyone else. They'll do things like this and more every time they're legally able to. It shouldn't be a surprise.

Sad and unfortunate all the way around.

My $.02 is that, for whatever reason, insurers often do a terrible job of assessing potential liability. I think it's expected that a jury would hammer Progressive for, essentially, representing the driver against their own policyholder. Blame MD law if you want, but it doesn't sound like Progressive was taking that into account in their settlement offers.