Progressive Direct

Apparently my previous review was confusing.

Let me say this, Progressive gave great service over the six years I was a customer, if by "great service" you mean that they took my money faithfully for six years (always on time). I never had to make a claim in that entire six years.

What made me angry was the way I was treated when I went to purchase a new vehicle. I was a loyal customer who gave plenty of money and asked for nothing in return.

I use a local Progressive Agent now, and I strongly recommend always going with a local agent.

If you want really cheap insurance that you never plan on using, then maybe consider Progressive Direct. However, I've had to use Progressive Direct 3 times and all 3 times have been a total disaster.

The first time, someone crossed 2 lanes of traffic into my lane and smashed into me head on (they were going the wrong direction). Granted, I only had liability insurance at this time as I was young. I filed a police report and got everything done. Progressive Direct said there was nothing they would do, as I had only gotten the make, model, color of vehicle, phone number and name of the other person and they weren't answering their phone or returning calls.

Second time, a deer jumped out in front of me. Totaled the vehicle, I was told I was at no fault and they covered everything, seemed great. I signed my vehicle over to Progressive as instructed and I asked if I would have to remove the vehicle off my policy or if it would fall off after they finished the claim. My insurance agent assured me it would drop off my policy and I would have nothing to worry about. Eight months later, I found the vehicle still on my policy. I called Progressive to ask for a credit or refund, as my agent told me it wasn't my responsibility to remove it. They said they would remove the vehicle; but it was company policy not to issue credits or refunds in situations like this... Which means this happens often enough that they have a policy for it.

I should have dropped them then; but for some reason did not. Third time, a person cut me off and while slowing down, the person behind me hit me while passing on my left. Progressive refused to send people out to look at my vehicle and insisted I use their snapshot program. Then they spend as much time as possible telling me my version of events was wrong, it was my fault I was hit from behind and they told me no matter what, even if I proved my version of events, they would label me equally at fault with the person who hit me.

So if you want useless, cheap insurance, go with Progressive Direct. Otherwise, always use a local agent.

I have a complaint.

I am very dissatisfied with the introduction of you as my provider for auto insurance.
I am working with Kenya Adderley, and waiting to hear from supervisor, Alain Rodriguez.

When stated that my vehicle was hit while parked at my residence, and then filed with police as a hit and run. I also stated that I did not see the incident occur. As I was not in my vehicle, it was not running, nor were there any witnesses. A neighbor told me of damage almost 8 hours later

I am now being asked to accept terms of a collision claim. I would like to understand why? When this is clearly a Hit and Run, filled as such with law enforcement.

Why, when I was not operating my vehicle, should a claim go against my driving and insurance record.

This is very disappointing, as a brand new platinum policy holder who has paid in full. Not to mention the confusion with being duped into a rental car that you will not fully cover. I did not ask to be put into an SUV or anything comparable. But I am now having to come out of pocket for the error.

This is very upsetting, as I thought you would be my advocate. Instead, I feel like you are treating me as the party at fault. My vehicle was hit while parked. I am not the criminal.

Thank you,

I took advantage of the snapshot program in order to reduce my monthly rate based on the safety of my driving. After months of careful driving I ended up with a B+ record and recieved an email saying I received over $100 in saving over a 6 month period. Yet when I looked at my new monthly statements I am now paying $10 more per month than before. It turns out regardless of how well I drove my rate was going to increase based on where I live. So I feel incredibly ripped off that I put so much effort into a program advertised as a way to reduce my monthly rate. When the truth being I simply reduced the policy increasing from $30 to $10.

Progressive is an insurance company only in name. After, unfortunately, making the acquaintance of another driver, that driver filed a claim against me to Progressive. The driver alleged that I made contact with their car while turning left past them. Police took a report, which cited that, while the other fellow had a small scrape (which clearly occurred long ago), my vehicle had no damage. I also informed police that there was no contact, pointed out that the color of driver #2's damage did not match any color on my car, and driver #2's wife even commented moments after the 'crash' "I don't know how you wiped that damage off of your car, but you did something !" I can hear the coo-coo sounds now. The officers did not cite anyone (that should have carried some weight of fact with this insurance company). After sending Progressive several tens of photos showing no damage anywhere on my car, they admitted that they couldn't confirm what happened, but only said "well, something happened !" They then went ahead and found me at fault anyway (huh ?), slammed my clean license with 4 friggin' points, and raised the 1/2 year premium by 50% (and that's if I pay it all at once).
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The adjuster (used sparingly) that I spoke to on the phone seemed to lack the ability to know right from left, or North from South as I explained the scenario to him. (The only better job is a TV weatherman).
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Previously, living in North Carolina for 30 years I enjoyed an entirely clean record. Living now, in Florida, for just about 3 years, I see that this is a nut-state and that Progressive adjudicates based on word, not fact. What a rotten company ! (#InsuranceOfLastResort, Inc.)

I was with progressive for a few years and had a not at fault accident and my premium went up. I bought a new vehicle and my quote for a new policy soared through the roof! I recommend going with another company

Apparently it's legal to tap someone's bumper and since you're "at fault" the people in the other car can call and claim bodily injury, pain and suffering etc and progressive will pay them out with no proof. I was told that they protected me and my best interest and I got lucky and it could have been worse even though they raised my premium $53 a month immediately and then again a few months at renewal to $211 a month on a car that's worth $5000 which is actually the loan amount and I can't get a decent quote from any other company ($265-$300 a month) The two girls claiming injury have a history of doing this as they were investigated by Progressive and TDI. How are they getting away with this?!!! I'm told, by Progressive, that making a false bodily injury claim is not fraud and perfectly legal and they will pay out those claims in the best interest of their client. I'm stupefied at this process and have opened a case with TDI and Kirk Watson's office to get more info on the legalities because this doesn't pass the smell test. In the mean time be careful not to hit anyone even if it's a minor scratch because anyone who's hard up for money will claim injjury and get paid out because the insurance company makes it super easy for frauds and you, the client, will pay dearly.

Although very polite and friendly, agents give wrong quotes.
The coverage was NOT as I had asked for, making it $150+ short for the policy period (6 mths). I saw (they told me NO RUSH to sign the papers - now I know why), on the third page of 6 or so, of the pages I was e-signing, that I was WAIVING my pip coverage although I had specifically stated I wanted to RAISE it to $5000 per person. The paper I was to sign had me WAIVING it, altogether, and when I called, I was told I had $5000 GUEST PIP, meaning neither myself nor anyone with me over 16 years old was covered. TOTALLY NOT what I had requested and was given a 'quote' for...so I owed them the difference.

On top of that, although it was less than 20 minutes after the sale, they were able to cancel the policy immediately, yet STILL had to wait 2 days to TAKE the money for the cancelled policy and another 2 days to return it. A TOTAL PAIN to deal with.

They took my friends money and said that they didn't ever call the night they got a flat tire and already payed. they then did not answer the phone when trying to call back. my friend called them at 9:45 and they did not come ever that night. they called again around 11:45 to see what was taking so long and the guy on the phone said they never called or payed. my friend used all of his money on this and they basically stole it. don't use progressive if you don't want this to happen to you.

Seriously. Crappy. Accident. Fault. Declaration. Policies. Seriously.

Don't be involved in an accident while insured by Progressive. Especially one that is CLEARLY not your fault but that involved other vehicles.

One month later, still haven't officially declared who was at fault. Even though they have the police report. And my statement. And the statements of both other vehicles who hit me.

Seriously.