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Just another reason to dump Progressive Insurance
Tumblr blog ^ | 8/13/2012 | Matt Fisher

Posted on 08/14/2012 9:57:45 AM PDT by surfer

Edited on 08/14/2012 10:00:28 AM PDT by Admin Moderator. [history]

I’ve been sending out some impertinent tweets about Progressive Insurance lately, but I haven’t explained how they pissed me off. So I will do that here as succinctly as possible. There’s a general understanding that says, “insurance companies— oh they’re awful,” but since Progressive turned their **** hose on my late sister and my parents, I’ve learned some things that really surprised me.

I’ll try to cleave to the facts. On June 19, 2010, my sister was driving in Baltimore when her car was struck by another car and she was killed. The other driver had run a red light and hit my sister as she crossed the intersection on the green light.

Now, I don’t discount the possibility that Katie was at fault in the accident, but it never really looked that way. The only witness who gave a statement on the day said that Katie had the light, etc. The totality of the evidence left some room for argument, but that will be the case any time there’s a catastrophic car accident that doesn’t happen underneath an array of video cameras.

One indication that the case was pretty open-and-shut was that the other guy’s insurance company looked at the situation and settled with my sister’s estate basically immediately. Now, because the other driver was underinsured, that payment didn’t amount to much, but my sister carried a policy with Progressive against the possibility of an accident with an underinsured driver. So Progressive was now on the hook for the difference between the other guy’s insurance and the value of Katie’s policy.

At which point we learned the first surprising thing about Progressive: Carrying Progressive insurance and getting into an accident does not entitle you to the value of your insurance policy. It just pisses off Progressive’s lawyers. Here I address you, Prospective Progressive Insurance Customer: someday when you have your accident, I promise that there will be enough wiggle room for Progressive’s bottomless stack of in-house attorneys to make a court case out of it and to hammer at that court case until you or your surviving loved ones run out of money.

Which is what Progressive decided to do to my family. In hopes that a jury would hang or decide that the accident was her fault, they refused to pay the policy to my sister’s estate.

Out of a sense of honor, and out of a sense of the cost of my sister’s outstanding student loans, my folks opted to try to go after the money through legal channels. At which point they learned another delightful thing. In Maryland, you may not sue an insurance company when they refuse to fork over your money. Instead, what they had to do was sue the guy who killed my sister, establish his negligence in court, and then leverage that decision to force Progressive to pay the policy.

Now my parents don’t harbor much venom for the guy who killed my sister. It was an accident, and kicking that guy around won’t bring Katie back. But kicking that guy around was the only way to get Progressive to pay. So they filed a civil suit against the other driver in hopes that, rather than going to court, Progressive would settle. Progressive did not. Progressive made a series of offers (never higher than 1/3 the amount they owe) and then let it go to a trial.

At the trial, the guy who killed my sister was defended by Progressive’s legal team.

If you are insured by Progressive, and they owe you money, they will defend your killer in court in order to not pay you your policy.

The trial was a real shitshow for my parents, and I did not love it either. As it happens, the jury did find that the other driver was negligent, which, if justice or decency are priorities for Progressive, will result in them finally honoring Katie’s policy. At this point, I hope you’ll forgive me if I wait for it to actually happen.

Don’t buy insurance from Progressive. Not only will you be paying the salaries of people who put my family through the wringer (really a smaller wringer that Progressive attached to the main wringer of my sister’s death), but also when the chips are down, your money will have bought you nothing but a kick in the face.


TOPICS: Business/Economy; Miscellaneous; Politics
KEYWORDS: autoinsurance; geico; insurance; progressive; underinsured; underinsuredcoverage
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Perfect example of how mentally ill progressive people participate in business.

Progressive Insurance is a disgrace and you MUST dump their insurance ASAP if you still have it.

Not only are they despicable in their business practices but they are huge Obama supporters and donors.

1 posted on 08/14/2012 9:57:52 AM PDT by surfer
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To: MinuteGal; Cincinatus' Wife; mickie; flaglady47; seenenuf; seekthetruth; Bushbacker1; ...

ping...


2 posted on 08/14/2012 10:00:02 AM PDT by surfer (To err is human, to really foul things up takes a Democrat, don't expect the GOP to have the answer!)
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To: surfer

“Not only are they despicable in their business practices but they are huge Obama supporters and donors.”

That is correct. No one in their right mind should buy Progressive Insurance.


3 posted on 08/14/2012 10:02:06 AM PDT by Parley Baer
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To: surfer
I wasn't going to buy their crap product anyways, but your family tragedy just lends rationality to my knee jerk inclination to never do business with them.

I'm sorry you guys had to go through all that.

4 posted on 08/14/2012 10:02:40 AM PDT by skeeter
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To: surfer

I’m shocked!\s


5 posted on 08/14/2012 10:02:40 AM PDT by DarthVader (Politicians govern out of self interest, Statesmen govern for a Vision greater than themselves)
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To: surfer

same issues with United Health Care....


6 posted on 08/14/2012 10:03:47 AM PDT by nevermorelenore
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To: surfer

I’m sorry, but I would not buy, invest in, rent or associate with any business that had progressive in the title. For me the name “progressive” means cheat, rat,sneaky, leftist but, that’s just me.


7 posted on 08/14/2012 10:03:59 AM PDT by Bitsy
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To: surfer

Thank you for putting this out there.


8 posted on 08/14/2012 10:06:35 AM PDT by Cincinatus' Wife
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To: DarthVader

Don’t most all insurance companies act like jerks.....

But this is progressive insurance....

Most libs are very generous with other people’s money, and extremely stingy with their own....


9 posted on 08/14/2012 10:06:46 AM PDT by GraceG
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To: DarthVader

I’m sorry for your loss, surfer. I had a similar situation with my son. Geico piad in full on under our uninsured/underinsured coverage. It may have helped that we already had a lawyer.


10 posted on 08/14/2012 10:06:54 AM PDT by Dianna
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To: surfer

Just the fact they want to place a driving monitor on your car is reason enough in my book to never, ever, consider them. And I have an excellent driving record, so that isn’t a consideration.


11 posted on 08/14/2012 10:07:06 AM PDT by bcsco (Bourbon gets better with age...I age better with Bourbon.)
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To: surfer

I tend to stay away from anything bearing the name “Progressive.” I’m sure that there might be an exception or two out there, but I’d bet that they are rare exceptions.


12 posted on 08/14/2012 10:07:23 AM PDT by davisfh
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To: surfer

My son has this insurance, and I will suggest that he find another company,


13 posted on 08/14/2012 10:08:35 AM PDT by txrefugee
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To: surfer

I could point to any number of insurance companies (some of them very well known) that act the same way. I do not know what type of policy this person had but I am unfamiliar with an uninsured motorist coverage that pays the difference between what the other guy had and what the overall cost was. The uninsured motorist coverage (at least in my state) ONLY covers a specified amount for (usually 5 to 10 thous) property damage. Additional coverage can be purchased for medical costs and again that usually has a limit on it.


14 posted on 08/14/2012 10:09:01 AM PDT by Nifster
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To: surfer
Progressive Insurance is owned by Joel Hyatt and Howard Metzenbaum. Two of the most despicable people I can think of.
15 posted on 08/14/2012 10:09:23 AM PDT by Tupelo (Sara Palin.............my write in vote for 2012)
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To: surfer

State Farm here. Over 30 years.


16 posted on 08/14/2012 10:09:48 AM PDT by LucianOfSamasota (Tanstaafl - its not just for breakfast anymore...)
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To: surfer
Lots of complaining going on this this rant. It's against Progressive, but IMO, it could be against any Insurance Company. But this. This negates all the whining:

One indication that the case was pretty open-and-shut was that the other guy’s insurance company looked at the situation and settled with my sister’s estate basically immediately

Once your sister's estate settled with the other guy's insurance - then all is said and done.

Either you mis-stated the facts or you were stupid.

17 posted on 08/14/2012 10:09:48 AM PDT by Responsibility2nd (NO LIBS. This Means Liberals and (L)libertarians! Same Thing. NO LIBS!!)
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To: skeeter; Dianna

Just to be perfectly clear this did NOT happen to my family. It happened to Matt Fisher’s family. I came across the blog entry and wanted to post it here for everyone to read.

Thanks for your comments I am sure Matt’s family would sincerely appreciate them.


18 posted on 08/14/2012 10:09:48 AM PDT by surfer (To err is human, to really foul things up takes a Democrat, don't expect the GOP to have the answer!)
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To: surfer
"At the trial, the guy who killed my sister was defended by Progressive’s legal team."

If the other guy was not insured by Progressive, this act is probably an illegal breach of fiduciary duty by Progressive and an ethical violation by the attorneys involved.

19 posted on 08/14/2012 10:10:16 AM PDT by circlecity
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To: bcsco

Flo knows.....
And she’s just the stalking horse for the Fedgov.

Those with aggressive driving habits will have to be curbed for the good of the mother gaia....


20 posted on 08/14/2012 10:10:56 AM PDT by nascarnation
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To: surfer

A good moral here is that you never know if you’re getting a good “deal” on your insurance until it comes time to make a claim.


21 posted on 08/14/2012 10:11:53 AM PDT by circlecity
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To: GraceG

Actually my family has carried Arbella Insurance for decades. They are always there to answer any questions. Practically no wait time and they are swift with services/payment if an accident occurs. They’ve never disappointed us.

Note: We’ve never caused an accident, but they have handled a couple that were caused by others. Promptly, painlessly, and efficiently.

Progressive = Liberal
Always felt that way and I hate their commercials. Smug liberal talk.

Sorry for your loss!


22 posted on 08/14/2012 10:14:44 AM PDT by jcsjcm (This country was built on exceptionalism and individualism. In God we Trust - Laus Deo)
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To: surfer

They don’t call it Progressive for nothing. They’ll take your money, promise you the world, and when it comes time to collect its screw you.


23 posted on 08/14/2012 10:15:04 AM PDT by lucky american
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To: surfer

My advice - make a video, stick to the facts on the video, use pictures of your sister, tell her story, show pictures of the process / documents procedings, etc.

Have it reviewed by your attorney prior to posting! You don’t want them coming back to you and taking you to court.

Post in on the Internet, put links to it out on every conservative blog you can contact. Try and get this to go viral.


24 posted on 08/14/2012 10:16:05 AM PDT by taxcontrol
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To: surfer

You will also be putting money (via the Marxist billionaire owner and chairman Peter B. Lewis) into the hands of every left wing radical group in the country. I utter an obscenity with the initials FYF each and every time I see their commercials and that homely fake b***h in the white jump suit.


25 posted on 08/14/2012 10:17:08 AM PDT by katana (Just my opinions)
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To: Responsibility2nd

Guess you didn’t read the entire blog post. First of all it didn’t happen to my family. It happened to Matt Fisher (he was the author identified).

Second she contracted with Progressive for a policy that covered for under-insured motorists. Which means that Progressive has a contracted obligation to pay the estate the difference in amount to her covered value.

IMO you have an ax to grind with insurance companies, this blog post is specifically about Progressive insurance and obviously doesn’t apply to every insurance company since the other insurance company immediately paid their claim.

This is 100% about an insurance company using their lawyers to sleaze out of paying a contract obligation just because the cost of the in-house lawyers is cheaper than paying what they contracted to pay. Typical scumbag progressive, liberal thinking.

Too bad you didn’t take a little more time to understand this tragedy.


26 posted on 08/14/2012 10:17:19 AM PDT by surfer (To err is human, to really foul things up takes a Democrat, don't expect the GOP to have the answer!)
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To: surfer; Al
A bit off topic, but what was the name of that insurance company that did the flood or homeowners insurance, with the two guys standing under the frames of houses?

I want to put Obama under one of them with the caption:

“Do I look like I have a plan?”

27 posted on 08/14/2012 10:17:29 AM PDT by Kansas58
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To: GraceG

Not all insurance. If you are in Columbus, OH, look up Phil Breakey with State Farm. He’s done right by my family for over 40 years. (I don’t get anything for this plug - he’s just been so good and honorable that he deserves the plug.)

Also been treated well by All State personally.

PS Yes, I’m sure they’ve made a healthy profit from me and mine. To which I say, GOOD!


28 posted on 08/14/2012 10:18:34 AM PDT by piytar (The predator-class is furious that their prey are shooting back.)
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To: nascarnation
Those with aggressive driving habits will have to be curbed for the good of the mother gaia....

It's an intrusion into your privacy. That's my basic reason for being against it. What you point out is addition reason to stay away from Progressive. Not to mention I turn the channel when Flo comes on...

29 posted on 08/14/2012 10:19:19 AM PDT by bcsco (Bourbon gets better with age...I age better with Bourbon.)
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To: GraceG
Don’t most all insurance companies act like jerks.....

Not all of them. Several years ago a motorist backed over my bicycle in a parking lot (it was locked to the side of a building), tried to leave the scene until a co-worker stopped him, then refused to provide me with his info until we called the police. He was insured by State farm. On my way home I purchased a new bike then called State Farm to tell them I would be submitting a claim. After I explained what happened they asked me to fax them the receipt for the replacement bike, and two days later a cheque was hand-delivered to my office.

30 posted on 08/14/2012 10:20:31 AM PDT by Squawk 8888 (Tories in- now the REAL work begins!)
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To: surfer

If you’re in the position of qualifying for USAA and you haven’t taken advantage of that, you need to switch to them ASAP.


31 posted on 08/14/2012 10:20:37 AM PDT by Psycho_Bunny (OWS = The Great American Snivel War)
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To: Tupelo

I believe you’re thinking of Hyatt Legal Services. Howard and his son in law Joel give shysters a bad name.


32 posted on 08/14/2012 10:21:13 AM PDT by katana (Just my opinions)
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To: bcsco

The Progressive data recorder is just a stalking horse.

Within 10 yrs you will need to have one just to get license plates or pass state inspection.

It’s far too good of an opportunity for govt to pass up.


33 posted on 08/14/2012 10:21:47 AM PDT by nascarnation
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To: GraceG

Don’t most all insurance companies act like jerks.....

Not USAA. They are incredible. I had to use them three times in 2000 and they were professional and paid or got the car fixed quickly.


34 posted on 08/14/2012 10:23:13 AM PDT by napscoordinator (Attention Republican National Convention voters....Santorum/Bachmann 2012! Dump liberal Romney NOW!)
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To: nascarnation

And that’s why we need to take this country back from the “Progressives” in both parties.


35 posted on 08/14/2012 10:26:31 AM PDT by bcsco (Bourbon gets better with age...I age better with Bourbon.)
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To: surfer

If this sad story doesn’t convince one to drop or give progressive a wide berth, consider the imagery....

Flo (enjoy her commercials) is talking to society.....all of society hawking “insurance.” This hawking is made possible by her announcement taking over every screen in every scene.

The “1984” and “Big Brother” imagery is not lost, and the little device they are pitching (hooks into the OBDC port) and shoots updates directly to the company servers is scary indeed. There is no privacy, acceleration, braking, speed, and a host of other data are all available to the company. like to brake late into and accelerate out of corners? Hard on the accelerator? Have a fender bender? a “bad” record of breaking overlaid onto a GPS map, and don’t expect much in the way of coverage....

Room 101

2 + 2 = 5!


36 posted on 08/14/2012 10:26:44 AM PDT by petro45acp ("Don't" read 'HOPE' by L Neil Smith and Aaron Zelman...it will bring tears to eyes. BORE!!!!!!!!!!!!)
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To: Psycho_Bunny

We have USAA also. They were so wonderful as insurance agents that we now use their banking services as well.

They’ve got the best customer service in the world and have never let us down.


37 posted on 08/14/2012 10:27:07 AM PDT by Marie ("The last time Democrats gloated this hard after a health care victory, they lost 60 House seats.")
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To: katana
I think that if you will check you will see their fingerprints all over Progressive Insurance.
38 posted on 08/14/2012 10:28:43 AM PDT by Tupelo (Sara Palin.............my write in vote for 2012)
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To: surfer

Too bad you didn’t take a little more time to understand this tragedy.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Too bad the grief stricken family member was not writing concisely but with emotion. This story comes off very well as a bitter rant instead of providing factual details that support his complaints.

I only wish the family had retained an attorney BEFORE settling with the other guy’s insurance company. They still may have gotten ripped off - especially having a lawyer - but maybe the outcome would have been better.


39 posted on 08/14/2012 10:28:58 AM PDT by Responsibility2nd (NO LIBS. This Means Liberals and (L)libertarians! Same Thing. NO LIBS!!)
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To: Dianna

I look out my work window and see the geico bldg. my co workers eat lunch there. their cafeteria is fox 24/7. progressive (hello?) is a liberal progressive org. never do business with them.


40 posted on 08/14/2012 10:32:44 AM PDT by Donnafrflorida (Thru HIM all things are possible.)
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To: surfer
Back when my daughter was in college, she borrowed my car to go to school. She parked, shut off the car and while she was collecting her books, a driver pulled into a spot directly across from her, jumped the parking marker and hit my parked car. He was insured by Progressive. We made a claim with them and even though the damage was minimal, I was concerned about potential damage to the frame. Progressive refused to send an adjuster to look at the car, insisted that she or I bring it to them, even though this was clearly their insured’s fault.

A manager at their claims office even had the nerve to ask me if my daughter was listed as a driver on my policy through another company! She was trying to intimidate me by hinting that she might notify my insurance company that my daughter was driving my car. I then advised her that since my daughter doesn't live with me and was over 18, she doesn't need to be on my policy. Bottom line, Progressive and its employees are evil!

41 posted on 08/14/2012 10:37:04 AM PDT by liberalh8ter (If Barack has a memory like a steel trap, why can't he remember what the Constitution says?)
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To: Nifster

Uninsured Motorist coverage (UIM) is normally sold in two forms: UIM Bodily Injury and UIM Property Damage. Some companies offer what is called Combined Single Limit (CSL) where the limit is available for either BI or PD. Limits for UIMBI can be upwards of $1M and more if there is an Umbrella Liability policy which has UIMBI limits available/selected. UIM should always be purchased at the same limit as the Liability coverage you maintain on your policy. Most states do not put small sublimits on UIMBI.


42 posted on 08/14/2012 10:45:56 AM PDT by Honor above all (I'm only here to help.)
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To: Psycho_Bunny

In September USAA will send me my 50 year decal. I won’t put it on my car but have been a very happy camper with them. A few claims (on Lightning and Hail damage in Colorado)were handled quickly and professionally. I agree, if you qualify, switch!


43 posted on 08/14/2012 10:47:42 AM PDT by BatGuano (You don't think I'd go into combat with loose change in my pocket, do ya?)
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To: surfer

Just saw this on The Blaze.

http://www.theblaze.com/stories/b-s-of-a-s-matt-fisher-details-insurance-nightmare-the-guy-who-killed-my-sister-was-defended-by-progressives-legal-team/


44 posted on 08/14/2012 10:48:05 AM PDT by RushIsMyTeddyBear (Bocephus hits a home run! http://www.youtube.com/watch?v=Rt_vjPqAVzI)
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To: surfer

Peter Lewis is a Soros type. That’s all that needs to be said. What else would you expect from “progressive” insurance.


45 posted on 08/14/2012 10:48:16 AM PDT by Darren McCarty (Holding my nose one more time to get rid of Eric Holder)
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To: Honor above all

Thanks for that info...unfortunately my state does not allow such coverage.


46 posted on 08/14/2012 10:51:01 AM PDT by Nifster
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To: Tupelo

The chairman of Progressive Insurance is also a Marxist rat named Peter B. Lewis. The only entity I can find Joel Hyatt linked into besides his il-legal services firm is Al Gore’s Current TV network. I could be wrong and he and his father in law may somehow be involved in PI (would not surprise me in the least) but was unable to find any overt links. If you can direct me to something that shows this I’d be interested.


47 posted on 08/14/2012 10:55:28 AM PDT by katana (Just my opinions)
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To: katana
My guess is I was wrong. I sure thought I read that Hyatt and Metzenbaum had purchased a majority share of Progressive back in the late 90s.
My bad.
48 posted on 08/14/2012 11:03:35 AM PDT by Tupelo (Sara Palin.............my write in vote for 2012)
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To: LucianOfSamasota

Same here. Two months ago I had the first accident I have ever had. I was backing out of a parking place and I tapped the passenger side front finder of a car that was behind me. No damage to my Ford F-150 bumper. But the plastic bumper of the other car was dented. This was in a parking lot but the city police were called - no tickets were issued but it was good that the policewoman filled out an incident report and gave copies to both of us. I contacted State Farm and they assigned me to what they called team 22. A team member called me later that day and I was told they would take care of everything. I would not have to pay any kind of detectable and that the other driver would be supplied a rental car while their car’s bumper was fixed.
I have not heard a word from State Farm or the other car owner since. I assume everything was taken care of as they said they would do. This was better service than I expected. I have two vehicles and a house insured with them.


49 posted on 08/14/2012 11:07:13 AM PDT by Red_Devil 232 (VietVet - USMC All Ready On The Right? All Ready On The Left? All Ready On The Firing Line!)
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To: Psycho_Bunny; surfer

I concur entirely with that. I’ve been insured by USAA from 1966, now for a total of 46 years, starting with when I got my first car. They’ve been 100% great and give terrific discounts to long term members.


50 posted on 08/14/2012 11:22:58 AM PDT by libstripper
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