Progressive Insurance Review
"Progressive is pretty good insurance unless you need it. Last Wednesday at Noon, my daughter was involved in a car accident. Someone pulled out in front of her. That person was cited as being at fault and was given a ticket for failure to yield.
Both my daughter and the other party have insurance with Progressive.
I notified her agent immediately. She did not want to run up unnecessary medical costs so she declined the ambulance ride to the ER. However, when i picked her up she was complaining of back pain. I called her physician and was told that her medical insurance would not cover office visits relating to a wreck and she would have to pay out of pocket and up front. How stupid is that! We wind up at urgent care where xrays reveal a crushed disk.
The next day, I take the police report to the agent who refers us to the adjuster. She calls the adjuster who tells her that she needs to talk to the other party's adjuster. Numerous calls to the other party's adjuster have, five days later, not resulted in a callback.
Meanwhile I have paid, out of pocket, over $1200 in medical costs, just before Christmas because health insurance does not cover car wrecks and Progressive is pretending that they are not home. Fucking unbelievable.
Do yourself and anyone you might accidentally hit a favor. Get real insurance!!!"
Both my daughter and the other party have insurance with Progressive.
I notified her agent immediately. She did not want to run up unnecessary medical costs so she declined the ambulance ride to the ER. However, when i picked her up she was complaining of back pain. I called her physician and was told that her medical insurance would not cover office visits relating to a wreck and she would have to pay out of pocket and up front. How stupid is that! We wind up at urgent care where xrays reveal a crushed disk.
The next day, I take the police report to the agent who refers us to the adjuster. She calls the adjuster who tells her that she needs to talk to the other party's adjuster. Numerous calls to the other party's adjuster have, five days later, not resulted in a callback.
Meanwhile I have paid, out of pocket, over $1200 in medical costs, just before Christmas because health insurance does not cover car wrecks and Progressive is pretending that they are not home. Fucking unbelievable.
Do yourself and anyone you might accidentally hit a favor. Get real insurance!!!"
Jerry C.
Of 300 consumer reviews, Progressive Insurance got an average of three stars out of five. That would only be a 60 on a report card. Progressive Insurance is highly advertised, but what do actual users think?
"I got auto insurance through Progressive at the age of sixteen. I had good coverage and fair rates. I don't even really recall my premiums raising much after I got a speeding ticket or two in my teenage years. I had immense brand loyalty toward Progressive, because, while I have never, ever had to file a claim or had any issue at all and was basically just a dream of a customer, giving them money to insure me and not really needing much in return.
Then, life happened. I graduated college, sold my car, and moved across the country to take care of my dying grandfather. Shortly after this, I took his 15-year-old car and drove back North to take a job in Detroit. When it came time to put the car into my name, naturally, I went to Progressive for insurance.
And was flagged, among other things, for fraud and denied coverage. I spent hours on the phone with customer service agents who would tell me I needed to do a) thing or b) thing and then I would be able to legally drive my car. What this basically boiled down to is that Progressive thought I was going to defraud them because I, at 22, have never had a utility bill in my name. Is that really that weird? I've rented or leased since turning 18 and it's always been included in my rent. However, according to like five different agents to whom I spoke, this is the only thing you need to be able to get car insurance (Not a spotless driving record, no history of filing claims, a great credit score, a Bachelor's degree, or a steady job: all of which I have) ... but an electricity bill.
Progressive set me up with some sort of insurance agent, and told me this was the only way I would be able to get coverage. They were somewhat friendly about the whole thing, gave me the number and address of an agent in my area, and assured me that this is the only way I could get someone to vet that I am not a fraud. I didn't know what else to do, and, being someone who had to drive my car to work every day, agreed to this and wound up paying literally 4x what my premium had been before. Again, because the lack of a utility bill in my name made me a total fraud.
This is where I admit that, yes, I was really naive in my frantic state. I was so worried about getting coverage and not driving without insurance that I allowed Progressive to lie to me, make me feel uninsurable, and get me to pony up any amount of money to correct this. In the end, I ended up looking into Esurance and they were able to provide me the same coverage at 1/3 of the premium I had been assigned by the whole predatory insurance agent Progressive talked me into going through.
At the end of the day, I guess I was only out a few hundred dollars (but in what universe is that not a big deal?) but the more important part is that this is a company that preys upon naive, low-income people."
Then, life happened. I graduated college, sold my car, and moved across the country to take care of my dying grandfather. Shortly after this, I took his 15-year-old car and drove back North to take a job in Detroit. When it came time to put the car into my name, naturally, I went to Progressive for insurance.
And was flagged, among other things, for fraud and denied coverage. I spent hours on the phone with customer service agents who would tell me I needed to do a) thing or b) thing and then I would be able to legally drive my car. What this basically boiled down to is that Progressive thought I was going to defraud them because I, at 22, have never had a utility bill in my name. Is that really that weird? I've rented or leased since turning 18 and it's always been included in my rent. However, according to like five different agents to whom I spoke, this is the only thing you need to be able to get car insurance (Not a spotless driving record, no history of filing claims, a great credit score, a Bachelor's degree, or a steady job: all of which I have) ... but an electricity bill.
Progressive set me up with some sort of insurance agent, and told me this was the only way I would be able to get coverage. They were somewhat friendly about the whole thing, gave me the number and address of an agent in my area, and assured me that this is the only way I could get someone to vet that I am not a fraud. I didn't know what else to do, and, being someone who had to drive my car to work every day, agreed to this and wound up paying literally 4x what my premium had been before. Again, because the lack of a utility bill in my name made me a total fraud.
This is where I admit that, yes, I was really naive in my frantic state. I was so worried about getting coverage and not driving without insurance that I allowed Progressive to lie to me, make me feel uninsurable, and get me to pony up any amount of money to correct this. In the end, I ended up looking into Esurance and they were able to provide me the same coverage at 1/3 of the premium I had been assigned by the whole predatory insurance agent Progressive talked me into going through.
At the end of the day, I guess I was only out a few hundred dollars (but in what universe is that not a big deal?) but the more important part is that this is a company that preys upon naive, low-income people."
D.V.
Labels: progressive insurance
posted by Roger's Reviews at
9:43 PM
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