Progressive insurance claims..

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PostPosted: Tue Jul 01, 2008 8:31 am   Post subject: Progressive insurance claims..  

Hi friends..your threads describing insurance frauds committed by 2 of the insurance giants have urged me to take up my pen & share with the community what I had encountered almost 2 years back.



Though it was a not-so-deep accident & it was the other party who was spotted for reckless driving, still it had left an impact in my mind & body. My red Mazda protege5 was waiting at the red light & so I had some time to look around & it was then that the mishap had occurred. It was a 2500 pull up truck that had a snow trailer & a snow hauling equipment attached. It hit me from nowhere & I had no time to escape a compression injury which now generates constant pain. I'd scored 6 on a measurement of 0-10. My nerves would grow fast once they got burnt. The initial use of a spinal cord stimulator have yielded good results to let me undergo an implantation.



All this while, Progressive had been a mere spectator with only a little contribution so far to get my car repaired & came up with nothing towards my bodily injuries. The bills are now up & above $35,000. Our repeated requests for a medi-scan have fallen to deaf ears..& they must have started believing that they could get away with it quite easily. Now, it is at this juncture that my hubby's insurance came to good use through paying off my medical bills. My claim has been turned off even though I've had a clean medical track. I'd like to know if there could be a specific reason why my medical exams have been turned down!



I'm sorry to say that I'm not seeking any further advice from the Progressive agents, neither am I gonna offer them any more personal information through any open platform. I'm out to seek general consumer views over this incident & generate public awareness..I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed. I've had to consume heavy pain-killer dosages that have strong side -effects to add to my misery. Now what!

KellyF-Alaska


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PostPosted: Tue Jul 01, 2008 8:42 am   Post subject:   

Yeah, am sure its high time for you to sue both the other party as well as your carrier. I'd rather suggest you get in touch with your insurance agent as also lodge a complaint with the State insurance commissioner. Make it loud and clear that all efforts aimed at resolving your Progressive insurance claims have been insufficient & doubtful from the carrier's end. I'm sure this would get a considerable boost to establish your case.



In case the agent starts reciprocating then you'd need to measure the outcomes & the possibilities & then plan your immediate course of action. It could be beneficial if you share every step that comes up with your attorney. If you wish you could share the outcomes with the community people over here. AllstateagentReeves


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PostPosted: Tue Jul 01, 2008 8:47 am   Post subject:   

Hi PROGRESSIVE AGENTS,



If a single one of you is on board, I'd like you to know that getting nastier could land you in a soup.

It was due to your client's mistake that I got rear-ended a couple of years back. All you could do is to provide me with $1800 & push me to find a chiro & convey the estimates over to you.

When I'd sent a bill worth $5,000, it naturally seems far from being real to you. It was beyond my imagination that a name like Progressive would need me to reach the court after a span of 2 years. The entire process demanded me to cut down my trip plans. I'm furious & would bleed till you're gonna pay back my medical bills. baldSara


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PostPosted: Tue Jul 01, 2008 9:11 am   Post subject: important points to consider..  

Hi,



I'd like you to note some important considerations..

Progressive won't allow you any chiro bills if they discover the bills to be inexplicable. If the carrier views your injuries as an outcome of deliberate attempts then I'm sure they are not gonna consider those in the future..

On the other hand, if your wage-loss doesn't get related to your date of loss it won't be counted upon.

See, the adjuster would look into the effect of the mishap, the style of treatment, the stretch of the treatment, the justification of those charges, the state of your body, medical paperworks associated with your treatment & the pace of the recovery process. Once these factors are properly measured, I'm sure the different issues or dark areas would become prominent in the eyes of the adjuster. It would then be easier for him to weigh the pros & cons of going for a costly settlement.

Packard_Bell


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PostPosted: Tue Jul 01, 2008 10:41 am   Post subject:   

Why do I believe that all of these posts have been made by the OP..

To to OP's first post... it appears that you have an attorney handling your claim (so Progressive _can't_ speak to you directly about the claim) and that you don't understand how a bodily injury claim works (as Progressive would not be approving any treatment nor paying the medical bills on an on-going basis). As such, I'd recommend that you speak to your attorney and asked him/her any questions that you make have and/or explain the process of how your claim will unfold.

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PostPosted: Tue Jul 01, 2008 11:01 am   Post subject:   

Quote:
All this while, Progressive had been a mere spectator with only a little contribution so far to get my car repaired & came up with nothing towards my bodily injuries.
I can't believe that the attorney you have has not explained to you that NO insurance company will pay ANYTHING at all on your bodily injury unless and until you have been released from the doc and are ready to settle. Then it is paid all at once...This is nothing progressive related ALL carriers do this....
Quote:
My claim has been turned off even though I've had a clean medical track.
What do you mean turned off? and by whom? Your car policy?
Quote:
I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed. I've had to consume heavy pain-killer dosages that have strong side -effects to add to my misery. Now what!
Think I'm getting the picture now...ok, kelly first of all NO carrier owes your attorney fees...you do...you sign the contract to give them a third or whatever....the 50K limit also is not progressive's fault but the driver of the vehicle that hit you chose those limits..If this accident happened in Alaska as well those are your state miniums...be glad you're not in my state (MO) where the min. is 25! NO insurance company can pay more than the limits...What are your BI limits on your policy Kelly? you might want to check, as you see these injurys can run wild....Do you have UIM (under insured motorist) coverage on your vehicle? or medpay or pip? I certainly have great empathy for your injury, but fail to see what progressive has done wrong (in this situation)...



AllstateagentReeves

Quote:
I'd rather suggest you get in touch with your insurance agent as also lodge a complaint with the State insurance commissioner .
For what? Confused What have they done wrong? or illegal? or breached any contract?



baldSara, huh? sorry but I don't understand your post...If you'd like to break it down some, perhaps we could be of some assistance...


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PostPosted: Tue Jul 01, 2008 11:31 am   Post subject: Thanx Lori..  

Quote:
Why do I believe that all of these posts have been made by the OP..
May be since all of them voiced the same concern..

Quote:
I can't believe that the attorney you have has not explained to you that NO insurance company will pay ANYTHING at all on your bodily injury unless and until you have been released from the doc and are ready to settle.
Hi..you seem to quite a satisfied Progressive consumer..am I right!

You may assume all Progressive complaints to be unethical..but can you tell me the reason what might have happened every time I proposed a medical check up!

Quote:
What do you mean turned off? and by whom? Your car policy?
PROGRESSIVE

Quote:
What are your BI limits on your policy Kelly?


..have to go through the policy papers..but I believe the limits were never more than the min required for Alaska.

Quote:
Do you have UIM (under insured motorist) coverage on your vehicle? or medpay or pip?
PIP I didn't choose to sign even though I was offered while signing for it! KellyF-Alaska

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PostPosted: Tue Jul 01, 2008 11:43 am   Post subject:   

Quote:
Hi..you seem to quite a satisfied Progressive consumer..am I right!

Can you tell me the reason what might have happened every time I proposed a medical check up!
No I'm not...a progressive customer at all....so no you are not right! What are you talking about a medical check up? Progressive doesn't sell MEDICAL or HEALTH ins...!!! are you just making this whole thing up? and what on earth would a medical 'check up' have to do with treatment for an auto injury anyway?
Quote:
have to go through the policy papers..but I believe the limits were never more than the min required for Alaska.
Well, then Kelly you have the exact same limits the guy that hit you has...might want to think about increasing them as you don't want to find yourself in the situation he's in with the possiblity of an excess judgement...
Quote:
PIP I didn't choose to sign even though I was offered while signing for it!


What about UIM then? If you have 35k in bills and an attorney, and the guy that hit you has 50k limit then you AT BEST...are going to walk with $33300.00 after your attorney takes his fee, (assuming it is the standard 33.3%)...unless you have UIM...I still don't get what progressive has done wrong!? Nothing that I can see...


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PostPosted: Tue Jul 01, 2008 12:13 pm   Post subject:   

Quote:
Progressive doesn't sell MEDICAL or HEALTH ins...!!! are you just making this whole thing up?


Never said that Progressive is out to sell Medical or health programs..jus that I proposed a medical test in order to prove that the sufferings I'm going through are the outcome of that accident which they are denying..

Quote:
are you just making this whole thing up?


Well thats pretty much the reason why I don't like conveying my experiences over pvt. forums..ever since I'd been through a couple of others. When you say that -
Quote:
I still don't get what progressive has done wrong!? Nothing that I can see...
Do you mean that the repairs done to my car were the only reimbursements that I've been paying Progressive for all this while?

Who is supposed to bear this $35k for me? Am I supposed to feed it by myself? How could this issue be resolved..give me concrete suggestions if you can.. KellyF-Alaska

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PostPosted: Tue Jul 01, 2008 12:29 pm   Post subject:   

Quote:
Well thats pretty much the reason why I don't like conveying my experiences over pvt. forums..ever since I'd been through a couple of others. When you say that -
Sorry Kelly it's just that you're all over the place...and maybe not explaining it throughly...
Quote:
Do you mean that the repairs done to my car were the only reimbursements that I've been paying Progressive for all this while?
Yes, (I think...cause I don't understand what you mean by ''that I've been paying all this while'' unless you mean your medical bills)....that is EXACTLY what I'm saying if progressive is the ins carrier of the (at fault) party that hit you..and it would be that way with EVERY ins carrier...see here's where you lose us...IF you have an attorney I can't believe that A) He will allow you to have ANY contact with an adjuster re: your medical in any form...or B) that any adjuster (progressive or otherwise) would talk to you once they received an atty rep letter...(they can't it says so in the letter!)..and finally C) that your attorney hasn't told you that progressive (or any other company) can not and will not pay one cent until the BI is settled...ALL BI claims are handled this way...ALL OF THEM>..NO matter the company...see Kelly that's where we start wondering about the reality of it...IF you are atty rep'd and he hasn't told you all of this..you'd better fire him and get you another..seriously..
Quote:
Who is supposed to bear this $35k for me?
Progressive (assuming they are the at fault carrier/party) when you have finished treatment and released from do and YOUR ATTORNEY is ready to settle/send a demand...but I'm tellin' you if the numbers you have here are correct..you're already in the hole (see my prior post)...
Quote:
How could this issue be resolved..give me concrete suggestions if you can
I'm trying but you need to slow this down, and read what has been written, if this is all correct...then somethin' is wrong with your attorney number one! and what about the UIM?


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PostPosted: Wed Jul 02, 2008 10:25 am   Post subject:   

Quote:
that is EXACTLY what I'm saying if progressive is the ins carrier of the (at fault) party that hit you


Yes Progressive is the carrier of the party at-fault.

Quote:
then somethin' is wrong with your attorney number one! and what about the UIM?


I still don't have one..I was just explaining what I'd go through in case I hire one..I don't think I have an UIM..



Quote:
I think...cause I don't understand what you mean by ''that I've been paying all this while'' unless you mean your medical bills
Yeah, I meant it that way!

Regards, KellyF-Alaska

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PostPosted: Wed Jul 02, 2008 11:21 am   Post subject:   

Alright Kelly,

Quote:
I still don't have one..I was just explaining what I'd go through in case I hire one..
You can see how you have clearly lead us to believe that you HAD already hired an attorney right?

Quote:
I'd like you guys to know that the person who hit me has a coverage worth $50,000 in order to feed my medical bills, the fees for my attorney & the wages I've missed




Let me lay it out for you then and hopefully now that we know you do not have an attorney thus may not understand everything...(do you get that there is a big difference if you are atty rep'd or not? in what your level of understanding should have been)..



ALL insurance carriers will not pay one single penny until all medical is done and injured party released and ready to settle..PERIOD...that's the way all BI's are handled this is NOT a progressive deal..ask your own insurance company (an adjuster not agent) if you don't believe me...



So, if you have 35k in medical bills that progressive agrees are accident related, after their review then it should be a slam dunk that you get policy limits (50k)...Now keep in mind most of the medical providers and your health carrier will want their money first, and have probably already filed leins with the adjuster against your settlement... There is 50k that's all no more...no need in getting mad at progressive about it, that is what the guy that hit you bought, they cannot pay more than there is coverage for, and after all it's identical to what you have on your own policy...



You have two choices...ask for the policy limit of 50k, and hopefully get it and call it a day...get an attorney he will take a third of this leaving you essentially with nothing after the bills are paid, but if the at fault person has any assets (and honestly he'd have to loaded), then the attorney can file suit and maybe secure an excess judgment (meaning the actual person would have to pay you anything over 50k that you received a judgement for)...This could take years, and is hard to collect...also remember the atty takes his third FIRST...



What EXACTLY is your injury? How much of this 35k in medical bills are diagnostic? When was the last time you talked to the adjuster and what was said regarding your injury settlement?



Quote:
I don't think I have an UIM..
You need to know FOR SURE, if you have it or not..this makes a HUGE difference!!!!


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PostPosted: Sat Jul 12, 2008 8:17 am   Post subject:   

To me progressive insurance complaints would seem quite unjust from the part of consumers...Progressive is one of the largest casualty insurance companies..so its natural that they would fix their premiums on the cost of business. So, if ever Progressive is forced to meet a fraudulent claim...what do you expect of them!

See, it is right then that it becomes inevitable for them to distribute that cost over their existing customers..stormy-nite77


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PostPosted: Sat Jul 12, 2008 10:00 am   Post subject:   

Hi stormy-nite77,



You'd be amazed to know that as per the NICB records insurance giants would usually pay around $30 billion every year towards settling such undue claims e.g. Progressive claims, which would eventually be spread over other customers through premium hikes.

It is quite evident that the con artists would obtain new cars & then buy a car to commit intentional accidents & then claim for the money.

Come back soon, Playroute


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PostPosted: Sat Jul 12, 2008 10:32 am   Post subject: experiences..  

hey..i'll share some funny cases related to Progressive-



A motorcyclist had once crashed by the side of a street & then wiftly made a call back to Progressive regarding his casualties. Little did the gentleman notice that one of the passers buy had been watching him stand up on his feet & pick up his phone. The first thing that he had done is to call on progressive.



Another instance of a Progressive consumer playing with the carrier was when he had crashed his car with his wife. The husband was smart enough to call Progressive soon after while his wife was crying in the ground. So, now you'd know why so much time is consumed by a progressive insurance settlement!


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