I have been dealing with Progressive Insurance for the last several months on a claim. I have had my boat insurance with them for years without a claim. As a matter of fact I've had it for so long without a claim my deductable was $0. To make a long story short I hit a submerged object and severly damaged my L/U. I came down off plane and was idling back to the ramp due to the vibration. The impact had clogged my water intake holes with wood. My overheat alarm went off just as my #6 cylinder failed. Yes my powerhead blew due to overheating within 2 minutes of hitting the tree. After 4 weeks of arguing with Progressive they finally paid the L/U part of the claim. 2 weeks after that they denied the powerhead part of my claim. This was after 2 seperate Mercury mechanics told them the reason for the failure was overheat and they had the printout from the computer showing the overheat. They accused me of putting my motor in neutral and revving it until it blew. The printout shows the rev limiter was never hit. They claimed it was normal wear and tear. My motor ran great before hitting the tree but failed within 2 minutes of hitting the tree. I had just had it serviced by a dealer 2 weeks before and a compression check done and everything was great. I even showed them that paperwork. Still denied. Needless to say I am getting a lawyer and we will let a jury decide who is right. Big insurance companies like to flex their muscles and dump on the guys paying their salaries and paying for those commercials on national TV. This is my experience with Progressive and it's not a good one. As soon as my lawsuit is complete I will be dropping Progressive like a bad habit.

Kevin Brown
Owensboro, KY
764-2644