Progressive Insurance.....what A Joke!

After a month and a week of fighting with Progressive, they have told me that I'm S.O.L. on my broken boat trailer. "Wear and Tear" caused my trailer to break according to them. Yea right...a 7 year old boat trailer breaks and its because of "wear and tear."

If you have Progressive insurance I hope you'll read the rest of this.

Over the past month I have talked with over 11 people who had Progressive and were turned down on thier claim because of what Progressive called "wear and tear." That's just people that I have talked to, who knows how many other people were treated the same way.

Some were turned down when they hit something in the lake and ripped their lower units off. How in the world could that be the result of "wear and tear?"

I'm posting on here and several other sites to let everyone I can know how Progressive operates. I would hate for anyone else to have a problem and not be covered. I pay full coverage insurance on my boat, trailer, and equipment. Keep in mind that this is insurance I'm not required to have. I do it to cover me if there ever is a problem. Well, there is a problem, and the money I spent with Progressive was totally wasted.

If you have Progressive, I would suggest that you look into another company. There seems to be a very serious problem with getting them to help their paying customers. I got burned, and I hope I can keep some of you guys from getting the shaft the same way myself and several others have.

"Wear and Tear," that's a clause in their policy that could cover them on anything that they insure. If you buy a brand new car and drive it off the lot back home, you have just put some "wear and tear" on it. Sounds to me like and escape route they can use(and do) whenever needed.

Anyone that wants names of others that have been burned by Progressive, just let me know. I would be glad to share.

BUYER BEWARE..............YOU MIGHT NOT GET WHAT YOU PAYED FOR:

Thanks, and be careful.

Heath Martin
Lou. Ky 502-817-3826
[email protected]

I hate to hear that. Sounds like you did get a bad deal. Maybe you just got stuck with a bad office.

I have filed two claims. One boat claim three years ago and a vehicle claim last night. The fully covered $3000 to have my lower unit rebuilt, new prop, skeg, ect. No questions asked no problems. I had a deer hit me last night and will probably need a new door on my explorer. I just got off the phone with the adjuster and he told me to pick a day and call him, drop my truck off, and they would have a rental car waiting on me at the body shop.

So the Bowling Green and E-town area Progressive people have been great to deal with... I would be beyond angry if I were in your shoes though and would be looking for a new company.

Sorry to here about that Heath, It a real shame that you paid for insurance on your boat and trailer and when you needed them they wasn't there for you . Was that your first claim with them? How long have you been with progressive? I like to get all my facts straight before I tell your story to my friends.

Dave

I would be careful about cancelling policies after a claim is denied and switching companies. It will probably make your premiums double, if they decide to insure you. Inusurance companies will research past claims, and be hesitant to provide service or the best premium price if they think you will switch after every denied claim.

I would get in contact with the state insurance commissioner. His office helped me a great deal. I had a homeowners claim wrongly denied and the ins. commisioner guided me through resubmitting the claim and it was covered.

The result really inhales. Other's have mentioned to have a good relationship with your agent. IMO that will not have any difference in what the adjuster decides.

The agent is a SALESMAN. They treat you nice because YOU are paying THEM a percentage. When a claim is filed the roles reverse and the insurance company does NOT want to let go of THEIR money.

Thanks guys for all the advice....I have everything else we own insured with State farm. I fell for all the commercials that progressive runs on all my fishing show, in all my bass magazines and even the adds on this web site.

They made it sound so good and that they were there for the fisherman and boaters. Well, that doesn't seem to be the case. I'm by far not the only one that they have screwed over. I have the names of several other people.

This is the first ever claim that I have ever filed on anything. First ever and this happens. Sure puts a bad taste in my mouth.

I plan on calling the insurance commisioner on monday.

Thanks again guys,

Heath