"Progressive Insurance" Repost...Please read

[thebassman30]

Heath,
Cancelled my policy today. Signing up with another solid carrier that has been formentioned.
Keep us updated,
Mark

[heath]

Take the time to meet your agent and ask him some questions like some else mentioned earlier...i can promise you will in the future.

I will let everyone know how Progressive decides to take care of me.

You guys won't believe the number of people that have called asking me questions about Progressive.....I put my phone number on my first post, and I get a different person calling me everyday. Many of them are telling me of all the stuff they when through when they had a problem with Progressive.

It's really sad to hear.......

I'm giving them the benifit of the doubt for now...They still have a chance to make this right. It's a shame it has been since June 23rh when I made my claim...and still nothing!!!! It shouldn't take this long.

I'll let you guys know.

Heath

[CTFSHWHISKER]

at this rate you,ll beed ice fishing hut instead of a boat...tell him a wheel bearing going out after 3 years is wear and tear not a piece of steel ripping..
just get a lawyer get it done and change ins..should have been done in two weeks.take him for a ride down here on 65 from 112 to 105,and wk parkway.
theose two roads are not normal wear and tear

[heath]

Yea, your right....I asked him if he ever drove down WK Parkway.....or on 65 from Louisville to E-town in the slow lane. there's pot holes on those roads I could hide in.

I wonder just how many people have actually ever had a trailer frame break.......I'm guessin not many at all.

So, that's not anything like "Normal Wear and Tear"

Heath

[MsgMills]

I-65 South from Louisville to E-Town and beyond has got to be the roughest, sorriest Interstate I have ever ridden on. Really stinks to have to ride on that road period, in order to get to the lakes here in KY.

Steve Beshear, if your reading this Forum...I hope you appropriate enough money to get I-65 repaved and in a hurry...... No wonder so many trailers are getting damaged due to the sorry conditions of the roads....

[TritonKTB]

It's bad enough that you deleted the first post made about the epidemic with Progressive now you have moved it to a discussion board that is rarely seen. The post was made on the KY discussion board to let our members know of the "POTENTIAL" problems with Progressive Insurance.
Posts were even deleted that were in no way "SLAMMING" of Progressive just actual accounts of what members have experienced.

Kevin Brown
270-764-2644

[mhall]

It's bad enough that you deleted the first post made about the epidemic with Progressive now you have moved it to a discussion board that is rarely seen. The post was made on the KY discussion board to let our members know of the "POTENTIAL" problems with Progressive Insurance.
Posts were even deleted that were in no way "SLAMMING" of Progressive just actual accounts of what members have experienced.

Kevin Brown
270-764-2644

I thought about this a couple of days then it hit me, they are now a sponser on this site. Watch for their little pop up when you come to the front page, there in is why it got deleted along with my post and a few others. That's my take on it, and now that you and I have posted this watch for later this afternoon or tonight for this whole thread to get zapped. I wasn't trying to dog anybody just trying to help my fellow fishing brethern out, that was it.

Mark B. Hall 502-649-2008

Mark B. Hall 502-649-2008

[Dave Stewart]

1. I moved the post because it was more of an "Off Topics" topic than fishing related...the State discussion boards are fishing topics. I did leave a link to this section on the Ky Discussion Board so that anyone wanting to read about what was being said about Progressive could simply click on the thread and it would take them here...so...your accusation that the thread was moved because Progressive is an advertiser on this site doesn't hold any water. It was simple site administration.

2. The posts that were deleted were deleted because they were not in accordance with the Discussion Board Rules of this site...I am posting the rule below..so you can read it again for the umpteenth time...maybe it will soak in this time. Just because you make a derogatory statement about a business or individual does not make it true, we have no way of proving your statements one way or the other..your posting your contact information ensures that you are the one that is going to get sued and not the site for slander.

You are also breaking another of the rules by complaining on the board about the administration of the site...I will post that rule AGAIN for you to read...

FACT: I had not even noticed Progressive was a site sponsor...until you mentioned it...but while we are on that subject...I cancelled my auto policies with Progressive a long time ago...too expensive in comparison with other companies...raised my rates for no reason...they will never see my business again.

Here are your rules to study...there will be a test:

3. No Slander or Accusations that can not be substantiated either by the posting party or the accuser. You must if you want to complain about a business or an individual on this board provide your Name, Address and Phone # so that you may be contacted. Yes there is freedom of speech, but the constitution also protects people from false accusations and slander. If you can't prove it and stand behind it then don't post it

5. No complaints about how the boards are run or the site will be allowed. We will gladly accept any e-mail complaints you would like to send to us, but no complaints on the board any more. No answers on the board any more

Dave Stewart
Benton, Ky
270-354-5039

[Jabbo]

It just so happens that I work for Progressive as a claims adjuster. I'm truly disappointed that you feel like you experienced poor claims service. I understand that accident's happen and although I work for Progressive I truly feel like we have the best claims service bar none. I left the company for about 9 months due to some re-structuring but came back because the company is great to it's employees and in my humble and slightly biased opinion provides a great service. Many of us that work there also have boat, bike or RV insurance with them and are subject to the same claims handling practices as everyone else. No we don't get discounts, no we don't get preferential treatment we get the same service. Unfortunately what I have found is that many people don't understand their policy. Progressive goes to great lengths to make sure that their adjusters understand the policy but more over we don't look for ways to deny claims we look for ways to afford coverage. Progressive also provides top class training to their adjusters that handle special lines (boats bikes rv's) and cars too, unlike many other companies. If you experience a mechanical breakdown our adjusters can usually diagnose the cause. An internal gear that has a hairline crack and finally fails can cause a jolt that feels much like an impact with a stump etc. Our adjusters are trained to look at these and many other scenarios to help determine what actually happened. If it is not a cut and dry situation guess what? You get the benefit of the doubt. Again, I'm truly sorry that you had a poor claims experience with Progressive. If you haven't already, I would contact the trailer manufacturer to see if there are any service bulletins on this type of damage. There may be a recall or the manufacturer may repair it free of charge to you. On a side note. Some of the most common claims I see are where people don't maintain their trailer bearings or upper gearcase lubricants in out drives. Bearing buddies don't always work!!! Make sure you keep your bearings and fittings greased and fluids changed. If you have any questions feel free to send me a note off the main site and I will answer what I can.

[Bobby Headrick]

I fished the same Tourney that TritonKTB fished and I know he hit a stump and that caused his damage, Heaths trailor was more than likley damaged from hitting one of the many potholes on our hwy's,just drive between L ville and Barkley or barren, I have had my boat complety jump in the air due to potholes. Not all adjuster's know everything,a hairline crack,thats bull, wear and tear, bull. I quit selling ins a long time ago due to so called adjuster's who know more than mecanics and people who deal with problems. The adjuster's are trained to look at what can save the ins co money and are trained to find the cheapest way out for the co which is also bull, they claim total replacment but that is also bull, I ahve seen adjuster's get bonuses when they stopped a big claim, next we will have health ins saying that they will not pay a claim due to wear and tear. To me the ins co's are a big problem in this country due to we have to have it we pay them out the wazzoo but when we need them they give us a hard time look what they did after Katrina, look if your house burns down they fight it, you have wind damage they fight it.You buy ins to help you during a crises but when that happens they are not there but there bill is. Yes there are some out there who take advanatage of claims and lie about the cause of the loss, but I personally know both of these guys and know that is not the case, if you work for Progressive then you should do something to help these and others and to keep your co in business. I too have Progressive but only libility, I hope and pray that if something ever happens that they will pay, but now I do not trust them,and that really worrys me cause one accident can lead me to ruin. If a company cannot do what they say then this a fraud and theft and they should not advertise that they will do this and that when they don't. The ins co's are some of the biggest scammers out there as they prey on fear of loss and say they will be there for you but that is not always the case. All ins co give a hassel when it comes to claims, then you have to get a lawyer and be out more money, it is a lose lose situation for the consumer.

[Jabbo]

I just wanted to set a couple of things straight. Yes I am a Progressive Adjuster. I am a Senior Multiline adjuster which basically means that I handle claims for anything that we insure as well as some fixed property. With out going into all of the certifications I can assure all of the readers that I am very well versed in Insurance law as well as policy contracts and damage analysis and repair. I will admit that I am one of the more experienced adjusters with the company and I also haven't seen these claims and am not familiar with the facts of losses with any that have been posted on this site. What I can tell you is that at no time in the history of Progressive has the policy of the company been to try to save money at the customers expense. Yes auto insurance is required by law. Homeowners and boat insurance is not required by law. Many times if something is financed the lender requires insurance on that item as they also have an interest in it. So if you own your boat (although I wouldn't advise it) you can go with out insurance. I have read many posts where people feel that the insurance companies are the big and bad villains. I have found that too many people don't read their policy before choosing the right coverages. Let me phrase it another way.. If you were going to buy something for 100-200 or even 1000 dollars would you know what you bought? That's exactly what many are not doing with insurance. I'll admit, before I began working in this field, I couldn't tell you all of the differences between collision and comprehensive coverage or med-pay and PIP. Every claim is different, every claim gets handled on it's own merits. If your buddy had a claim that gets paid and yours gets denied, Even if the situations are similar, you can't compare the two. There are too many different variables. As far as kickbacks for saving money on claims. That is the load of bull!!! As a matter of fact it would be illegal for an insurance company to operate this way. If State Farm chooses to pay for something that isn't covered like a manufactures defect, and then tries to subrogate the liable party to get it's money back. Well that in my opinion is a poor business practice. I personally know several state farm adjusters and after I saw the prior post from a, prior state farm employee, I asked if this was common practice. I was told no and none could come up with a single incident where that has happened or under any circumstance where it would happen. So I have to say that, that response sounds incorrect. It's obviously everyones prerogative to research, shop and buy the insurance that is most appropriate for them. What everyone needs to understand is their policy. I bought insurance through Progressive last month. I paid the annual due of approx 280 and I received my contract and policy in the mail a few days later. Given, I already know the policy so I didn't read through it, but I know they get mailed. Whether it's state farm, Progressive, Grange, Geico or whoever...READ YOUR POLICY!!!. If you do read your policy you will see that there is also a mediator clause in there. You will also see how wear and tear is defined, what is and isn't included in certain types of losses. If you see something that the adjuster looked over bring it to their attention. Our job is to pay claims not deny claims. We just want to pay them accurately. If you don't understand why something is being denied ask for the adjuster's team leader and he/she can explain the policy. If you don't agree with a decision, ask yourself what part you don't agree with. If you think they're wrong ask them to explain it to you. One thing that I can tell you for certain, before any claim gets denied it is reviewed by someone like me, a team leader and a manager. If a claim gets denied you better believe that they have the physical/photographic and recorded evidence to back it up. If an insurance company doesn't try to ascertain all of the facts and evidence then they should get sued.

[Moose1am]

My posts are almost as long and sometimes longer than the one below. But I have been working on my writing skills and trying to use more paragraphs. They make a long post much easier to read. English was not my most favorite subject so I have much to learn about writing skills still.

But it would sure be nice to read that the guy that started this thread was finally helped out and the insurance company paid him some money to fix his boat.

Until that happens I would not want to purchase boat insurance from this company. But that's just me. My boat is so old that it's eaier to run without boat insurance. It would cost me way too much to buy enough ensurance to replace my boat if it were to sink. Over the last 30 years the money that I saved by not insuraning my boat could be used to buy me two new boats. And if the policy has some silly clause like "wear and tear" which could obsolve almost any claim then buying that type of policy would not be something that I would even consider.

Most policies are written by the companies lawyers and are not IMHO designed to be fully understood by those that purchase the policy unless they consult with a good lawyer before they sign on the dotted line.

I for one am glad that this thread was started so that the rest of us can learn from this guys mistake.







[QUOTE=Jabbo;333083]I just wanted to set a couple of things straight. Yes I am a Progressive Adjuster. I am a Senior Multiline adjuster which basically means that I handle claims for anything that we insure as well as some fixed property.