"Progressive Insurance" Repost...Please read

[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]

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.

[LarryG]

State farm, two claims in thirty years, both paid instantly. The last a short in my wiring harness, the circuit breaker didn't work, almost 500 bucks, including the sonar. I didn't even think it was covered. By chance went to the agent after dropping my boat off to be fixed. He sais a fire is a fire, called the mechanic while I was sitting there[he also uses him], they talked for a minute or two, and then he tells me, sorry you will need to pay the 50 buck deductible, the rest is covered.

[heath]

Well, I'm back and still no answer from "Progressive". They sent a Marine Surveyor to my house to look at my boat trailer. The gentleman that show up looked at my trailer and even said to me, "you had to hit a big pot hole or something to cause this to break". He also said he can see where the break has clean metal. Now keep in mind that Progressive is paying his salary and now he has to go do a report and send it into Progressive. Then they will contact me. (I filed my claim on June 23rd and still have no answer....By the way, my Progressive bill showed up today in the mail...right on time....imagine that.)

Jabbo, when my progressive claims rep. came to my house, he used the words "normal wear and tear." My trailer broke into...not one of the springs...not an axle....a wheel bearing didn't go out...the trailer itself broke.

I've had three different Marine Dealerships look at my trailer and they all say that they have never seen a trailer break like that before. So, can you please tell me how that could be called "NORMAL" if it just doesn't happen? I even had those people call my claims rep. and talk to them and let them know that this was not at all normal.....and still nothing.

How come a statement from people that have been working on boats and trailers for over 50 years (combined) means nothing at all? I can promise you that they have way more knowledge of boats and trailers than the surveyor that they sent out.

Jabbo, I can show you a list of 8 people that I have talked to that has had or have progressive now, and their claim was denied because of this so called "wear and tear." I also have a list of thirty something people that have Progressive insurance who I fish with all the time, who are waiting to see what happens to me. There are a lot of people on this site also that seem to be very interested in whats going to happen. This is the only site I've been on so far, but with all the calls and feedback I have received, I feel like I should get on all my other favorite sites and let them all know how this is being handled. (Ky Bass Federation...Ky Bass Fed. Nation....Renegade Marine.... Bass Boats Central....B.A.S.S.......FLW.....etc...the list goes on.)

Hopefully I'll know something soon......I'm now going into my 4th week without anything being settled. I'll keep everyone posted. Wish me luck......it looks like I'll need it.

I'll let everyone know no matter what happens. Please stay tuned!!!!

Thanks
Heath

[DJD]

Normal wear and tear. This is what I was told by State Farm on a battery that had a terminal post snapped off when I was in an accident years ago. A fool ran a red light on my way to the creek (boat in tow) and hit me in the left front wheel at about 45mph I was going about 15mph. My truck flew to the right and ended up at a 90* angle to the boat. Luckily he was driving a small compact and I was driving a full sized Chevy ext cab 4x4. His car was totalled but mine had minor damage. The jolt of the wreck pushed my battery to the side so hard it cracked my battery terminal inside. A week later I go to start the truck and find the post and cable is laying against the battery compartment.
My theory was that as the battery pulled to the left from the force of the accident the cable would not allow the movement so something had to give and that give was the cheap lead of the battery not the cable. You could easily see that the cable had almost no play. A woman at State Farm came out and looked at it and almost laughed at me when I told her my thoughts on the battery problem.
So I went in a month later after I found another insurance company and cancelled my policy. I had been with them since I was in High School (17 years ago at the time). I told them why and they said it's too bad but I was wrong on the battery issue. It ticked me off and I told her that I don't need charity but I do need an insurance company to stand behind me especially when I had only 1 claim in addition to this accident and neither was my even my fault.
State Farm did cover other damage and thats was the right thing to do based upon the coverage I had with them but to lose me over a $75 battery was crazy. I'm better off now. State Farm is fine in my book but I think my problem was a judgement problem by an adjuster who probably didn't know what a battery was even for. Keep fighting for what is right!!

Don Dasher
619-3940

[Jabbo]

Don, You are right.. The battery should have been covered in the scenario that you described.
Heath, I personally know all of the KY Adjusters. I'm quite certain that I know the adjuster handling your claim.
I do not regularly go and review claims with out need or consent.
That being the case I don't know all of the details of your claim.
Handling a claim can sometimes be a time consuming process, especially when there is a difference of opinion. I hope you understand that Progressive is trying to go the extra steps by allowing an unbiased marine surveyor to inspect your trailer.
You need not worry that we are paying his salary. We pay his fee for an unbiased opinion. You can even get a copy of the Marine surveyors report when it's finished.

All of that being said, I would love to see your claim paid and get you back on the water as soon as possible. I truly believe that Progressive is the best, most accurate, customer service oriented company out there.

I can't go and just start looking into claims that I'm not affiliated with, but If you'd like I would be willing to look into your claim to see if there is anything I can do for you.

[Tyme2fish]

Heath: Thought I'd bump this up. Any progess on your claim?

[heath]

Well, here we are now over a month and no help from Progressive..... They say they are waiting on the report from the Marine Surveyor to get back to them.

Jabbo, I hear you when you say he doesn't work for Progressive, but you guys are the one writing his check. If he keeps coming back to you with information you don't want to hear, how many times do you think Progressive is going to call this guy. In other words....Progressive is going call a marine surveyor a lot more times than say Joe home owner is.

Jabbo...I would appreciate anything you could do to help me with this mess. Why can't I get this resolved? If I wasn't putting up a stink about this you, guys would of told me to bad and that's it.(which is what you tried to do to begin with) I pay for insurance and find out I wasted my money.

I fished a tournament this weekend at Barren... I had at least 10-12 people come up to me and ask me what progressive ever did about my trailer. I had no news to tell them.

I now have a list of 42 people........(and when I say list I mean name,phone number, and address) I'm not kidding and could show anyone the list. All of these people have Progressive and are waiting to hear how this turns out. People are calling me all the time to ask me about this problem. I'm talking about people I have never even met. I have three marine dealerships in the state of Kentucky that keep asking me what has happened. One of the owners even told me if things didn't go right for me, I could explain my situation to everyone at our Classic. He said I could have the stage and mic.
This classic is a very big tournament....last year there was over 300 boats, and there should be more this year. (that's over 600 fisherman...lot of ears there)

I plan on spreading the word if I ever get one. This is my first web site that I posted on.....I plan on posting on about 6-7 more if I need to. I will let everyone know how Progressive works. Hopefully I'll have good things to say. One of my fishing buddies owns a sign company and said he would make me a sign for free to put on my truck and boat windshield. We have several ideas on what to put on the sign, but he suggested....Beware of Progressive Insurance...Ask me why!!!!....I like it.

Thanks guys for bumping up the post, and thanks to everyone who has called with ideas and support. I'll let everyone know as soon as I know myself.

Thanks again,
Heath martin

[heath]

bump