by Guest » Wed Dec 02, 2009 05:27 pm
I was hit by this lady. It was totally her fault--even the police report states that. My car is still drivable, but needs to be repaired before more damage occurs. I've contacted her insurance (PRogressive) and reported what happened. They have been telling me for the last three weeks that they can't get ahold of her and can't do anything about the claim until they get her side of the story. My insurance said I could file a claim on my policy, but I'd have to pay the deductible--which right now, I'm not able to do. So, Am I just stuck at the mercy of this lady?? Surely I should be able to get my car fixed at her insurances' expense--I have a police statement of what she said to the officer!! Or is this just a great way of her and her ins company getting away with damaging my car!
Posted: Thu Dec 03, 2009 05:40 am Post Subject:
I have not seen the language in one policy that requires all repairs completed before paying a loss.
I don't think there exists a legitimate policy where the plaintiff gets reimbursed upon repairing the damages. By saying that, I'd also stress upon the fact that some of the carriers would be reluctant to meet claims if such losses occur again for the same reasons.
Posted: Thu Dec 03, 2009 06:34 am Post Subject:
I HATE sterotyping...
I agree with Lori. It really serves no purpose or even fair to lump all Progressive adjusters and employees in one boat...just because you witnessed a few claims that took longer then they should.
That would be like me saying all agents are a waste, no nothing about claims and usually make issues worse when they get involved. Has it happened sure...but I think I have enough common sense to know that all agents don't fit this mold and even more not to post it on this forum.
You can also get the State Department of Insurance involved by filling a complaint against Progressive for unfair claims practices.
Unfair what? I know a few of the carriers that I worked for would send the ROR to the insured and if they still did not get a response would deny coverage for the loss.
Posted: Thu Dec 03, 2009 07:06 am Post Subject:
Trench...I HATE sterotyping...
Aw, what does a girl know.:P
Posted: Thu Dec 03, 2009 12:27 pm Post Subject:
Progressive adjusters and employees in one boat...
What I was refering to was their claims department. Not their field staff. I know quite a few senior appraisers well having worked in the collision side, and they are pretty top notch people. But I have seen the kind of situation many times as the OP stated. They just seem to have a slower process than most other carriers in the same situation. Just a difference of opinion thats all. Sorry if I touched a nerve.
Posted: Thu Dec 03, 2009 01:08 pm Post Subject:
All major carriers use independent adjusters when needed. It is not stereo typing at all.
Of course they do, nothing was said about independent appraisers...and stereo typing...I don't even know how that is relevant...you dear friend are the one that made the statements (for the entire wide world to read)that they are notorious for stalling, and it's customary for them to do this..not me..and nothing what so ever about independent appraisers...
There is really no need for that here
Are you kidding me? :shock: You have the nerve to think that I'm out of line taking you task to put up your proof or shut up? ... You make outlandish, disceptive, misleading, unsubstantiated, and CLEARLY unsupported, statements about a carrier, using words/phrases likeProgressive is notorious for stalling.
Wait until it turns into over a month, pretty customary for this company.
Maybe you should've looked up the definition of the words you were using BEFORE you used them, here I'll do it for you...
Notorious---known widely and unfavorably
Customary-commonly used or practiced; habitual
Stalling-a tactic used to mislead or delay-deliberately delay an event or action
And after making comments like that you come up with one---'kind of' example that cannot be proven, and frankly doesn't make a lot of sense..only a $300 difference between a used and new motor? really? That would have to be without question the least amount of difference between a new and used motor in the history of claims..and even if I give you that and assume there is nothing else to it, and this happened...that's ONE, ..... ONE does not constitute 'notorious' nor 'customary'....and your statements are stereo typing this company based on very small, and limited knowledge (clearly based on your 'proof') at best! NO, there most definately IS a need for that...could I have chosen sweeter words? yeah, ok, maybe, I'll give you that...but it was the end of (another) 12 hour day...and frankly ticked me off...And for the record, I would've had the exact SAME reaction had you said, St. Farm, Allstate, Shelter, ANY company or occupation, (yes, EVEN independent appraisers :wink: ). It's just not 'right' and it spreads misinformation....stereo typing in and of it's self breds contempt, hate, and is mean spirited.
Now had you said, "I know of this ONE Progressive claim in (insert city and state), that IMO, could've got the guy back on the road quicker if they had not got hung up on saving 300 bucks !" Trench there is not one carrier that I can't give you a horror story about, or a 'warm and fuzzy' one as well...
You can also get the State Department of Insurance involved by filling a complaint against Progressive for unfair claims practices.
Really? for what? this isn't against any fair claims practice statutes that I've ever read. And it's third party to boot...
Aw, what does a girl know
Not a dag gum thing Todd, clearly.... :wink:Thanks Das...
And from the moderator, no less!
Max, make no mistake this moderator, will (every single time), call a poster out for these types of comments...no offense, but I'll let my reputation (as a poster, moderator and human being) stand on it's own merit. Rather than the judgement of one new poster...Posted: Thu Dec 03, 2009 01:58 pm Post Subject:
sorry but your post prior to the above one of mine..posted (for me) after I posted the above..
What I was refering to was their claims department. Not their field staff
Trench their field staff is (part of) their claims dept.It's alright and you did touch a nerve..and it's not an opinion, it's stated as fact... as I said, it's the inference that all-or that an entire company is 'this or that'...and it just isn't true, in most (if not all) circumstances, and most certainly in this one..that's all.
Add your comment