[talisman311]

It's the internet and I have no idea if it's true. But if it's true.. wtf, progressive?

http://mattfisher.tumblr.com/post/29...-to-defend-her

[solefald]

Progressive was great... until I got rear-ended, while sitting at a light.

Uninsured motorist with a brake failure. $1,300 in damages had to be paid out of pocket, because its was not really his fault but the mechanical failure. Apparently uninsured motorist coverage does not cover those. 2 months later my renewal comes up and they quote me $1,900/6 months. 4 times the amount i paid previously. Dropped them on the spot.

[jwzimm]

It's stuff like this that makes me yell at people who brag about getting the cheapest insurance possible. You pay for insurance to cover you during some of the worst times in your life. Is it really a good idea to look for the absolute bottom-of-the-barrel cheapest folks you can find?!?!?

It is a rule of life; "You get what you pay for."

[BIGW0RM]

I had them when I was young. When I crashed my car trying to avoid a drunk driver (who also crashed and got caught), they investigated me for 3.5months before finally OK'ing repairs that needed to be done to my car. I will never use them again. EVER.

[talisman311]

I've only used esurance and geico since I've been on my own. I've never filed a claim with either one, but esurance did jack my rate up for no reason I'm aware of.. So Geico it is for now and hoping they're not jackasses like progressive. (I wish I was eligible for USAA!!).

[kevinbahnz]

you guys are scaring me, I have Progressive.

[talisman311]

Well..they're not denying the story. To paraphrase "We fucked over our policyholder within the confines of the law."

http://www.twitlonger.com/show/iquabj

"This is a tragic case, and our sympathies go out to Mr. Fisher and his family for the pain they’ve had to endure. We fully investigated this claim and relevant background, and feel we properly handled the claim within our contractual obligations. Again, this is a tragic situation, and we’re sorry for everything Mr. Fisher and his family have gone through. "

[spacemonkey1112]

Originally Posted by kevinbahnz

you guys are scaring me, I have Progressive.

hahaha im sorry but reading your comment in this thread made me lol.... I hope the best for you though!

[kevinbahnz]

Originally Posted by spacemonkey1112

hahaha im sorry but reading your comment in this thread made me lol.... I hope the best for you though!

The bimmer is under liberty mutual but my bike and beater is on prgressive. Time for a change aye?

[ybbiz34]

I had a great Insurance Law professor once. He was an adjunct professor that still practiced extensively. He absolutely loved taking insurers like Progressive to task on matters like this. Learned a lot from him.

I feel terrible for the family involved in this case. Very sad.

[US///M3]

Originally Posted by kevinbahnz

you guys are scaring me, I have Progressive.

Dont be scared,Get the general.

[O-cha]

Originally Posted by solefald

Progressive was great... until I got rear-ended, while sitting at a light.

Uninsured motorist with a brake failure. $1,300 in damages had to be paid out of pocket, because its was not really his fault but the mechanical failure. Apparently uninsured motorist coverage does not cover those. 2 months later my renewal comes up and they quote me $1,900/6 months. 4 times the amount i paid previously. Dropped them on the spot.

If it wasn't his fault, then it would fall on your insurance to cover it anyway. No matter how you look at it, you got it in the ass.

[roastbeef]

i pay out the ass for AAA, but when my mom got in an accident and they took better care of her than we expected without hassle, it was a no brainer.

[GE]

There's not enough information to really get an idea. Of course the other driver's carrier settled for their limits to the deceased's estate. That does not mean you are entitled to the entire Underinsured Motorist Liability limits though. Sounds more like it was a valuation dispute that went into litigation.

[TeRRoRiFiC35]

Glad I saw this, I was thinking of switching to Progressive.

My dad is a VP at an insurance company. Pretty much the company will determine if the payout of the claim is going to be more or less the value of all legal fee's associated with fighting it. If they believe the fee's will be less, you can pretty much bet they will not pay out and force legal action. Unfortunately that is how it works now.

[DARK_M3]

Just get AAA like a normal person. The insurance co. with the least amount of annoying commercials is probably best anyhow.

[Maestro]

Folks the remember the old saying, "you get what you pay for" so if you go cheap on insurance the end result to will be cheap solution.

Really, insure is something you pay for to cover the really bad things that should be outside of your control and the last thing you want to do is go cheap on it, and I not say you have to pay high rates, but when your shopping at the bottom it not going to fair well for you. As the article said , the last thing you want to deal with when something bad happens is fighting with your insurance company.

I have State Farm and been with them for over 20 yrs and for the few instance where I had to tap the insurance it was handled very well with little or not arguments on either side. That is what you really want, and the reason I like the All State commercial these days, do you really want to deal with the Mayhem Guy, that is what you are setting yourself up for when you go for the cheap.

[Maestro]

Originally Posted by TeRRoRiFiC35

Glad I saw this, I was thinking of switching to Progressive.

My dad is a VP at an insurance company. Pretty much the company will determine if the payout of the claim is going to be more or less the value of all legal fee's associated with fighting it. If they believe the fee's will be less, you can pretty much bet they will not pay out and force legal action. Unfortunately that is how it works now.

Yes the fighting cost does Factor in, however pay out dollar amount dictates who has to sign off on the pay out. Any pay out over a $1M usually requires the CEO/CFO sign off before it pays out, and his bonuses are usually tied to payout, so of course he going to try and reduce those pay outs.

The problem is too many insurance companies are publicly traded company so they have to meet Wall Street numbers. In the end Stock holder will decide if you recover what is coming to you.

[Ginnobautista]

Damm I've been with these guys for a long time, now I'm confuse

[talisman311]

Originally Posted by Maestro

Yes the fighting cost does Factor in, however pay out dollar amount dictates who has to sign off on the pay out. Any pay out over a $1M usually requires the CEO/CFO sign off before it pays out, and his bonuses are usually tied to payout, so of course he going to try and reduce those pay outs.

The problem is too many insurance companies are publicly traded company so they have to meet Wall Street numbers. In the end Stock holder will decide if you recover what is coming to you.

With social media so popular these days. It'd be a surprise if they haven't factored PR damage in their equation.

This is viral at the moment and I hope the momentum continues and with lost policyholders. Insurance companies should be held accountable for their actions even if it's legal.

[TeRRoRiFiC35]

Even the privately held companies act the same as publicly traded so they are no better. A company like Progressive isn't going to worry about one person, even if it damages them a little. That is why they have so many ad campaigns.

I got into a car accident in WV when I was in college. The shop had my car for 3 1/2 months because my insurance company didn't want to pay out the full amount to the body shop. Why you ask? Because they had to use a third party claims adjuster to figure the cost of the damage. Then they started knitpicking literally over pennies for awhile. Mind you this was a company located in NJ. They wouldn't total my car, but they eventually paid out the full price to fix it (70% of the worth of the car).

[UncleWede]

Progressive was the worst company I ever dealt with. A lady backed out of her stall in a parking lot while I was preparing to park. I was going to back in so couldn't get out of the way, even though I saw her coming and honked. Banged teh rear quarter panel.

She admitted, and her mother that was with her said "Just get the insurance, that's what you pay it of"

In the end, Pro tied 50% to me, even though I wasn't moving, because she apparently changed her story, but they would never let me hear that. They low-balled me on the repair and then sent me a check for about $225.

The only thing I could think to do to get back at them was not cash the check and screw their books. Recently they sent me a notice that if I had lost the check or something, I either needed to claim it or they would report it to the State as unclaimed monies. I told them I needed another copy of the check. Still waiting. . .