Progressive Corporation

March 31, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive American Insurance CompanyMs [redacted] , I’m writing in reply to your letter dated March 25, We appreciate the opportunity to clarify the situation.We resolved this matter with Ms[redacted] On March 18, 2016, we received Ms [redacted] ’s initial bank statement showing $as her Uber/Lyft expenseBecause we accepted percent liability for this accident, we reimbursed $of the $367.17, which represents percent of the total billOnce we received her bank statement showing an additional rental charge of $91.14, we reimbursed her $on March 25, This payment represents percent of her total expenseI’m sorry for any frustration Ms [redacted] experienced, it wasn’t our intention.If you have any questions, please call me at 1-305-506-2556.Sincerely,Ivy O***Ivy O***Claims Manager

Please see the attached

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I sincerely object to the information [redacted] has given against me, for I did provide everything asked of me and then some, to the point of information that had nothing to do with he car claim was being asked of me as wellThey did not respond to me or begin trying to settle the matter not until I left messages regarding hiring a lawyer to solve my problem [redacted] and [redacted] Gina P [redacted] are liars and wrongfully accusing innocent people of crimes they did not commitAsking of my phone records, why I called my boss that morning, why the local police number was not on the list of numbers dialed that morning was not showing when it was I dialed and that does not show on cellphones nor home phone, asking of report that my family’s home was robbed which had nothing to do with the claim is no way of doing quality customer experiencePleas have them forward every fax that I sent it will show I was very and more cooperative than neededLastly I am glad they have settled and have left for never have I dealt with such kind of matter or peopleThank you for you help and will move on from this hell they have put me throughThis case may be closed.Regards, [redacted]

(The following was copy/paste by Revdex.com staff - LST)***September 25, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMr [redacted] I researched the policy regarding Mr***’s concern that he didn’t request to change his Comprehensive and Collision deductibles.Mr*** called us on August 14, around 3:p.mI reviewed the recorded conversation to verify if Mr*** requested to remove his Harley Switchback and added a Harley Road King in its placeHe initially requested the same coverage, including the $500/$Comprehensive and Collision deductiblesBut, when our representative told him it would be a pro-rated increase of $and would increase his payments, he requested other optionsOur representative offered to quote the change with $1,000/$1,deductibles; which only caused a pro-rated increase of $and Mr [redacted] confirmed his acceptance of the changeAs included in our prior response, we sent a Declarations Page confirming the new motorcycle and coverage changeUpon Mr [redacted] s written request, we can provide a compact disc recording or written transcript of the call.I’m unable to waive the $balance due and we respectfully request paymentIf you have any questions or need additional information, please feel free to call me at [redacted] .Sincerely,Nancy A [redacted] Consumer Relations Specialist

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Reviewing the response, a lot of things have been left out of the company's letterIn Wisconsin, Statute 346.18(1) states that "the operator of any vehicle driving at an unlawful speed forfeits any right of way which he or she would otherwise under this subsection"The fact that she has a mile speed limit sign means that she should be going that speed limitmiles/hr does not damage the knuckle of my passenger front side's wheel (as shown in the attachment)Also that the company states two adults were mentionedYes I've stated that but they are withholding the other driver's claim of of child's existence in the car which no one saw a childI even contacted the police officer to ask him about the existence of a child (voice message attached)I haven't claimed fault at all in this situationI did my part with the stop sign and should not have any more emphasis just because I have a stop signThe other driver should NOT be driving in the first place for not having insuranceIt is showing that my insurance company is condoning such behaviors that it is okay to drive not only without insurance, but for uninsured motorists to commit unlawful acts such as excessive speeding and people who pay for insurance to take the fallThe driver did not stop or use her brakes and was car lengths away from the accident scene (also as shown in the attachments where my vehicle is far in the background)This letter also fails to mention that not only I stopped at my stop sign, I looked both ways to make sure it was safe until she sped through unlawfullyBut Statute 346.18(1) should negate her right-of-way, especially since she hit meI was injured in the process and went to the doctor's checkup but my insurance is not going to help me because they are putting me at fault Regards, John [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/24) */ Contact Name and Title: Thomas [redacted] , Owner Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @maplenet.net To Whom It May Concern, MrAppliance received a call to service a dryer that had no heatOur technician diagnosed a broken, burned out dryer elementElements are usually destroyed by a lack of air flowUpon further inspection of the situation, MrAppliance discovered a plugged vent and no hood on the outside of the houseWith all the information, MrAppliance created a quote to clean and repair the dryer, as well as replace the existing vent, (that had been made with a variety of materials and a missing outside vent hood) with a single hard pipe and new vent hoodThis quote was offered and accepted by the home ownerThis dryer had a premature element failure due to venting, which also was a fire hazard During a dryer diagnosis all drive components, including the belt, are examinedThe belt was not frayed and looked good, therefore the technician did not replace the beltSo when we returned days later and discovered a broken belt, we did a belt replacement with no diagnostic or labor fee- even though the belt was unrelated to the first repair A few days later, MrAppliance responded to another no heat callUpon examining the dryer, a stuck relay on the electronic control was discoveredThe dryer was now heating, but would not shut off due to the stuck relayThis was an unfortunate, but again, completely unrelated problem to the initial diagnosis and belt breakAn exact part number was provided so that the home owner, a claimed, "do it yourself-er", could complete his own repairAgain, no diagnostic fee was charged for an unrelated dryer problem I stand by the job quote and cost that MrAppliance providedMrAppliance did what had to be done with the home owners approval and half the cost of the original repair had to do with correcting poorly done venting and needed to be done for safety, with a either a repaired or new dryer Upon arrival at the first call, MrAppliance diagnosed and repaired two problemsThe later problems, the belt and the stuck relay were unrelated and showed up laterThe technician could not predict either problem and MrAppliance corrected or gave a solution for each of those issues, while waiving any further diagnostic feeMrAppliance also was at the house three times for three issuesThis is a fair and good service for the cost Thomas [redacted] MrAppliance of N Central IN OFFER: Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have several problems with the owners rebuttalThe vent that leads outside was not plugged up...because I had checked it previouslyIt was actually the first thing I checked when I was not getting heat inside my dryerNow true, the vent/tubing leading outside was not in great shape...and it was missing a screen on the exterior but it wasn't plugged Secondly, I had noticed the dryer not shutting off before the very 1st visitIt didn't do it all the time, but I had a couple occasions where it would not shut offThis was while my dryer did not have heatIt didn't do it constantlySo according to what Mrappliance is saying...he says if it was doing this, then the heat wouldn't workSo the relay switch could have been the initial problem...not the heating elementConsidering a plugged up vent would cause premature damage to the heating elementAgain, this should have been diagnosed correctly initially My wife said the tech quoted her reasonable prices on parts and replacing a vent...she agreed to it, because it didn't sound badHe didn't include the labor charges in his quoteAgain, who in their right mind would pay 4-hundred dollars to fix a $dollar dryerNobody, including the owner I tried to work with the owner, by asking him what he could do for meThe right thing to do , would have been to refund my money...and I would have gladly given him his parts backI would even had no problem paying the trip charge/service feeHe wouldn't work with me at allThis is not the way to run a business I honestly think that this company tried to take advantage of a woman(my Wife)being home on the service calls and not being totally forthcoming on all charges/feesAfter reading all the complaints on the Revdex.com website about MrAppliance in different areas, it doesn't surprise me Bottom line is this...I spent over $on this dryer, and am told I need to spend another $on a part for the relay switchAnd the owner keeps saying we received good service by having a tech out here times for problems and they keep waiving diagnostic charges...well if it was diagnosed the first time correctly....then any subsequent diagnosis would not be neededI get so tired of hearing this same ol story, where a company acts like the good guy Final Business Response / [redacted] (4000, 11, 2015/09/08) */ ***Document Attached [redacted] MrAppliance has a responsibility to the people we serveMrAppliance provides technicians that are honest, safe, trained with service resources to draw from The first problem was a common problem for electric dryer for restricted ventingThe venting needed to be replaced to create proper venting for any dryer that would be in this home The relay was erratic, and a more involved diagnosis The relay that caused the motor to run continuously would not have burned out the element The burned out element would not have created a relay failure on the boardThey are separate from each other- one does not affect the other I am offering to replace the main control board at no charge, in order to get this resolved I have also attached the technicians notes from all three completed calls Final Consumer Response / [redacted] (4200, 13, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept thisI am not even sure what is being offeredI am assuming the "main mother board" has something to do with the $dollar part that I was told I would need(having to do with the relay)That was the 3rd visitThe visit where after the tech told me the part would be $300...I told him to leaveOk well here's the problem...My email dated 8/15/that I sent to MrAppliance clearly states that I was not getting any heat in my dryer againNO HEAT! I mentioned on a voice mail about the dryer not shutting off, but you can clearly see on the attached document that I said my dryer is not getting heat again The technician who came out on that 3rd trip...stated in his notes that the heat checked out okThe tech told me on the phone that he was able to "rap" on the relay to unstick it, but it would be a matter of time before it goes bad again...but he also said, that's why my heat wasn't working, because of the relay stickingI believe the owner Tom [redacted] may have told me something similiar on our phone conversationSo if that's the case...they our related, at least according to what I was toldAnd again...if I sent an email complaining of not having HEAT, why would I pay another $for a part that supposedly isn't related to the other problems and technically isn't neededI had already paid $at this point, then MrAppliance wanted another $for a part that "has nothing to do with the heat"...and that's not counting what labor I'm sure they would have charged for installing this $part I really went back and looked hard at every single word and comment on MrAppliances and found all sorts of untruth's...I never once said I was a "do it yourselfer" as he claimedIf I was I would have went out and bought the $heating element and the $belt and I sure as heck would not have paid $for an over priced company to do thisNobody in their right mind would pay that much The vent was just fine that they keep talking about other than needing a hood on the outside I also find it extremely odd that the tech was in the "guts" of my dryer two days earlier and didn't notice any problems with the belt...and then all of a sudden I get a "clean break" in it Part of me wonders if I even needed a new heating element...maybe it was the relay all alongMaybe the tech "rapped on it the 1st visit" and I magically got my heat and then he figured he better make up something to fixHence...a new heating element was needed because the old one burned out due to a "plugged" vent(which wasn't plugged)...and then I'll quote the Wife on the price for a new heating element, and a diagnostic fee and tell her we had to clean a vent, but we'll leave out the total quote for everything , because then she might tell us NOAfter the work is done...then we'll tell the Wife that it's going to be $Full disclosure up front, a quote...a total price, would have saved us all a lot of trouble Best part is...then MrAppliance is called out a few days later and tries to sell me a part for $which according to MrAppliance and MrTom [redacted] ...has nothing to do with me not having HEAT in my dryerThen they give me a part number so I can do it myself This is a disconnected franchise that has lost touch with people and forgot that they are supposed to be there as a service for people, not take advantage of MrAppliance will have to do better to resolve this issueBuying me off for a $part(that wasn't needed for my dryer heat) just to make the problem go away??

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] I was able to open and read this on my phone and accept that they will reverse the chargesmy bank returned the payment which incurred the fee they tried to charge because they were no longer authorized to draft from my account and I also notified my bank to allow no further drafts from my account ever this company continues to solicit me and if possible I wish to be removed from their mailing list thanks so muchh for all you help in this matteri will contact you again if they fail to do as promised

May 18, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive County Mutual Insurance CompanyTo Whom It May Concern,I’m writing in reply to your letter dated May 11, We completed an inspection on the [redacted] on April 18, 2016, and found very minimal damage to the vehicle, which included repair to the front bumper, left fender and left front wheelWe completed a supplemental inspection on April 20, 2016, in which the vehicle was at [redacted] Body ShopThe vehicle had an air bag light on when completing the supplemental inspection and the vehicle was diagnosed that the SDM module needed to be replacedOn April 21, 2016, while at [redacted] Body Shop, the mechanic at the body shop felt it was not related to the loss due to the minor damage and the vehicle was parked, unoccupied and turned off with no power in the systemPer our request, the vehicle was moved to the service department and the service department was unable to provide any evidence or bulletins that the SDM module was related to this lossWe have confirmed with Sewell [redacted] ’s repair facility that when the vehicle is turned off the SRS sensors are not sending information to the SDMSince the vehicle was not running, the SRS system will not generate a problem causing the SRS light to come onI appreciate the opportunity to clarify the situationIf you have questions, please call me at 1-972-439-4908.Sincerely,Doyle M [redacted] Doyle M [redacted] Claims Manager

August 2, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: ***- [redacted] Company Name: Progressive County Mutual Insurance CompanyMs [redacted] ,I’m writing in reply to your letter dated July 27, I appreciate the opportunity to clarify the Young Driver Discovery (YDD) process.As an insurance company we receive a monthly file from our vendor, Explorer that consists of a list of all newly licensed youthful drivers identified and matched with our policiesWe will automatically send out an email notification for our Paperless customers or a letterThis is so we can provide the most complete coverage for the new driverWe require that all household members of driving age be listed on our policiesOur letter does state that we will automatically add the young driver to the policy, unless we hear back from the customer and this is to ensure proper protection to the young driverAs a parent, I understand this is very important.We highly encourage our customers to look at all communication from us whether it is via email or through USPS as it may contain important information regarding their policyIt is our customer’s responsibility to make sure they are aware of these notices and changesAt this time, we are unable to stop these automatic processesWe care about the protection of our customers, particularly young drivers and; therefore, our processes will remain in placeWe appreciate Mr [redacted] ’s business and hope to continue to provide protection to his family I’m sorry for any frustration Mr [redacted] has experiencedIf you have questions, please call me at 1-440-395- Sincerely,Rose V [redacted] Rose V [redacted] Consumer Relations Specialist

August 2, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: **- [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: ***- [redacted] Company Name: [redacted] Insurance Company Ms [redacted] ,I’m writing in response to your letter dated July 27, I have reviewed Ms [redacted] ’ claim and appreciate the opportunity to address her concernsI’m sorry that Ms [redacted] feels that we mishandled her claim during her return visit to our Service Center in Livonia, [redacted] On the evening of Monday, July 25, 2016, at approximately 6:p.mMs [redacted] arrived at the Service Center to take delivery of her repaired [redacted] ***During delivery, Ms [redacted] pointed out to our Service Representative, Lory M***, a small scrape to the front bumper cover just below the right headlampMs [redacted] advised MsM [redacted] that this scrape was not there prior to her leaving her vehicle with us for repairsMsM [redacted] reviewed our initial photos taken after the vehicle arrived at our shop on July 11, 2016, and determined that this scrape was not there priorMsM [redacted] apologized to Ms [redacted] and advised her we would file a fleet claim for her the following dayA fleet claim is essentially a claim filed under our liability policy for damages sustained to a vehicle caused while in our careUpon my arrival to the Service Center the following morning, I was advised of Ms [redacted] ’ concern and began to prepare the documentation required to file a fleet claim on her behalfMs [redacted] called the Service Center around 8:a.madvising us of a second repair issue she identified and requested to return her vehicle for reviewWe scheduled Ms [redacted] for a 9:a.mreturn appointmentI met with Ms [redacted] when she arrived and we proceeded outside to review the two concerns she had with her vehicleThe first issue Ms [redacted] pointed out was her initial concern of a small scrape to the right side of her front bumper cover just below the right headlampBased on my review of our initial photos, I agreed that this scrape was not there prior and agreed to have it repaired for herMs [redacted] ’ second issue was an irregular gap between the new hood replaced during the course of repairs and the top of the existing front bumper, which was not repairedI reviewed this gap and initially didn’t see her concern, as the new hood lined up with the tops of the fenders and headlampsMs [redacted] proceeded to compare this gap to other vehicles parked nearby, which comprised of ***, **, and [redacted] I politely advised Ms [redacted] that we couldn’t compare the gaps on these types of vehicles to hers because they are all designed differently and have different gap tolerances between their panelsI advised Ms [redacted] that her vehicle, a [redacted] ***, is unique and therefore, we have nothing similar on our lot to make a comparisonFor a more accurate means of investigating, I led Ms [redacted] back inside where I performed a Google image search of a [redacted] ***The images I reviewed did in fact show a much narrower gap (approximately ¼ inch) between the hood and front coverAt this point, I apologized to Ms [redacted] for the misunderstanding and agreed to get her vehicle back to our shop to diagnose the issue and/or perform the necessary adjustmentsWe provided Ms [redacted] with a rental vehicle at no charge to herWhile displaying the Google image of the exact type of vehicle to Ms [redacted] , I showed her the ¼-inch gap between the hood and bumper and advised we would replicate this so it would return her vehicle to pre-loss conditionBecause Ms [redacted] disputed that there should be no gap in this area whatsoever, I explained to her that there must be a natural gap between two adjacent panels of a vehicle to allow for movement, open/close, prevention of sheet metal contact, etcAt this time, I again advised her we would return her vehicle to the shop for the necessary correctionsMs [redacted] completed a customer service survey and requested a call back from a managerOn August 1, 2016, John H [redacted] spoke with Ms [redacted] and apologized that her repairs were not done properlyMrH [redacted] made the accommodation to waive Ms [redacted] ’ requirement to refuel her rental car and provided her with $in gas cardsMs [redacted] was satisfied with this course of action.I’m sorry for the inconvenience Ms [redacted] experiencedIf you have any questions, please call me at 1-734-452-Sincerely, Denise LP***Dennis LP***Claims Supervisor

I am not insured by Progessive I am the claimant Progessive claim number [redacted] date of loss 7/26/ Progressive insured is [redacted] Progressive is acting in bad faithI submitted an inherent DV Claim for $4, Progressive adjuster Richard *** provided comp vehi [redacted] [redacted] [redacted] Anderson offered me $2,on March 12th, but again couldn’t provide me with documentation as to how they came up with that figure In Texas I can file a small claims case for a maximum of $10, I told both Richard and John that I would persue that $9,plus loss wages for a total of $10,using the comp vehicles they provided me I am willing to negotiate with Progressive for $5, That is my final offer Next step litigation with Mr [redacted] for the full $10,which after providing Progressive’s documentation I have been advised by my retained counsel I will win in small claims courtI have also reached out to a couple local media outlets and they have expressed an intrest in my claim Regards,

April 14, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Aisha [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Type: [redacted] NAIC Number: [redacted] Company Name: [redacted] Insurance CompanyMs [redacted] ,I’m responding to your letter dated April 8, Thank you for the opportunity to clarify the situation.On February 29, 2016, Mr [redacted] stated that water had entered his [redacted] during a storm and caused damageHe stated that the water was entering through the roof of the trailerHe also advised that his [redacted] was sealed in June of On March 8, 2016, we completed an inspection at Mr [redacted] ’s residence for damages to his [redacted] Forest River [redacted] We noted that the ceiling panel was drooping and exposing ceiling luan, which had black mold and evidence of long-term rot and deteriorationThe round ceiling vent in the [redacted] presented evidence of additional long-term water damage to the ceiling foamThe water leakage damage to Mr [redacted] ’s [redacted] is long-term in nature, and there is no evidence of a sudden, direct, and accidental impact to the roof that would cause water to leak and seep into the interiorThe roof at the front of the unit has bright white sealant indicating that the area where the front cap and side meet the roof was sealedThe front clearance lamp has missing sealantThere are other areas of sealant deterioration that permit water to enter into the [redacted] Because the areas have not been serviced, this has allowed long-term damage to occur.Based on the investigation findings, there is no evidence to suggest that the loss was a result of a sudden, direct, and accidental lossAs such, the loss does not meet the policy Part IV terms of the Insuring Agreement for coveragePart IV - Damage to a VehicleInsuring Agreement - Collision CoverageIf you pay the premium for this coverage, we will pay for sudden, direct, and accidental loss to a: covered vehicle, including an attached trailer; or non-owned vehicle, including its equipment; resulting from collision.Insuring Agreement - Comprehensive CoverageIf you pay the premium for this coverage, we will pay for sudden, direct, and accidental loss to a: covered vehicle, including an attached trailer; or non-owned vehicle, including its equipment; that is not caused by collision.Exclusions – Read the following exclusions carefullyIf an exclusion applies, coverage will not be afforded under this Part IVto any vehicle that is due and confined to:dImproper or lack of routine maintenance, or failure to perform maintenance as prescribed by the manufacturer;to any vehicle caused directly or indirectly by any of the following:awater leakage or seepage unless caused by any other loss covered under this Part IV; bwet or dry rot; crust or corrosion; ddampness of atmosphere or extremes of temperature; or edeteriorationto a covered vehicle or non-owned vehicle caused directly or indirectly by mold, mildew, or fungus, including any type or form of: adecomposing or disintegrating organic material or microorganism; borganic surface growth on moist, damp, or decaying matter; cyeast or spore-bearing plant-like organism; or dspores, scents, toxins, bacteria, viruses, or any other by-products produced or released by any mold, mildew, fungus, or other microbes.As such, we respectfully denied any and all claims presented against this policy and informed Mr [redacted] that no payments will be made for damages sustained as a result of this lossIf you have any further questions, please feel free to contact me at 1-856-780-4624.Sincerely,Jeffrey T [redacted] Jeffrey T [redacted] Claims Manager

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below 1-in the beginning the SNAPSHOT device was not beeping every other time I was stopping at a traffic light, it only start doing that when I passed their day grace periodThat is how I know they are CHEATING2-i always drive with traffic , so for the snapshot to beep so often it is PURELY NOT 3-the exact data that is recorded, the customer service said they have it but they cannot release it to meIt is obvious that if I would have the data and the exact time stamp and the exact speed I could prove SNAPSHOT is a system to cheat consumers 4-their claim about slowing more than 7mph in less than a second is obviously flawed since the car computer does not measure the speed more than once a second so mathematically they cannot do that Regards, [redacted]

June 22, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Northern Insurance CompanyMsIbrahim,I’m writing in reply to your email dated June 15, We completed an initial inspection of Ms [redacted] - [redacted] ’s vehicle on April 27, 2016, and completed an estimate in the amount of $for damagesOur representative noted the excessive oil leakage from several areas of the engine and wanted to have the mechanics at the shop inspect it as well for further investigationIndications were that this was a pre-existing issue because of the significant amount of buiand debrisWhen we discussed this with Ms [redacted] - [redacted] , she decided to pull her vehicle from the shopWe attempted to make contact with her but did not receive any return calls from herA claims supervisor also tried to contact her on May 23, 2016, without successWithout receiving a return call from Ms [redacted] - [redacted] , and with the repairs being completed at another shop, the issue was considered to be resolved at the timeI contacted Ms [redacted] - [redacted] and we agreed to have another diagnostic completed at the repair facility of her choiceShe will determine the shop and have them contact me once it is there for assessment and next step determinationI’m sorry for any frustration Ms [redacted] - [redacted] experienced with her claimIf you have any questions, please call me at 1-803-513-2729.Sincerely, Todd D [redacted] Todd D [redacted] Claims Manager

Business responded to complaint. Business response copied and pasted below by BBB staff 1/9/17.July 1, 2016 RevDex.com 2800 Euclid Avenue, Floor Cleveland, OH. 44115-2408 Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] *** Claim... Number: [redacted] Policy Type: Personal Auto NAIC Number: 155-24260 Company Name: Progressive Casualty Insurance Company [redacted] , I'm writing in reply to your email dated June 24, 2016. Our customer, [redacted] ***, reported this loss on June 1, 2016, with an approximate date of loss of May 15, or 16, 2016. [redacted] reported that their 2014 Ford F250 truck ran out of gas on the side of the road on the date of the loss reported. A good samaritan stopped and offered him a tank of diesel gas, which [redacted] accepted and put into his truck to continue on his trip. The engine in the truck seized on May 31, 2016, and was subsequently towed to the dealership for diagnosis at 1:00 p.m. [redacted] time (**). (please see attached invoice). When we spoke to [redacted] about the engine seizing, she advised that the loss was around 10:15 a.m. **. The towing invoice confirms their truck was towed on May 31, 2016, at 1:00 p.m. **. [redacted] ***'s policy expired on May 17, 2016, and we didn't receive a payment to renew by the expiration date. (Please see attached correspondence). [redacted] called in to reinstate their policy on May 31, 2016, at 1:17 p.m. **, which would be approximately seventeen minutes after their truck was towed to the dealership. The policy was reinstated after the payments was processed with an effective date of June 1, 2016 to December 1, 2016. There is a lapse in coverage for [redacted] ***'s policy from May 17, 2016 to June 1, 2016. Due to the policy not being in force at the time of loss on May 31, 2015 at 1;00 p.m., when the sudden and direct loss to the truck's engine occurred, there isn't any coverage available for damages to the truck on this policy. I'm sorry for any inconvenience Mr. and [redacted] have experienced. [redacted] ***'s assertion is that the date of loss should be when the diesel gas was introduced into his truck on May 15, 2016. The introduction of the lower cost off-road diesel gas would not cause sudden and direct catastrophic damages to the truck's diesel engine the same day. The damages to the engine did not occur until after the vehicle was driven for a period of time, when the actual loss occurred on May 31, 2016. Please call me with any questions at 1-808-489-9961. Sincerely, Jason Griffin [redacted] Claims Manager

August 18, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMs [redacted] , In response to your follow up request for additional information, MrRyan [redacted] did have a prior policy with usUnfortunately policy number [redacted] cancelled on June 1, 2016, for nonpayment of premiumAs stated in my prior correspondence, Mr [redacted] secured a new policy with Progressive on June 27, 2016, at 11:a.mThere was a lapse in coverage from June 1, 2016, until the date and time he secured the new policy.We are not aware of any other available insurance coverage for Mr [redacted] for the loss involving Mrand Mrs [redacted] .If you have any questions, please call me at 1-813-371-3854.Sincerely,Douglas H***Douglas H***Claims Director

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below ,First of all my policy expired Jan so the fact it's says days shows how much effort has been put into this, and [redacted] was not polite at allLet's review that call togetherMy bill should be zeroAnd we can all move on Regards, [redacted]

[redacted] August 28, 2017Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: Deborah F [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Travel Trailer NAIC Number: [redacted] Company Name: Progressive Universal Insurance CompanyMr [redacted] ,Thank you for your letter dated August 19, I appreciate the opportunity to address MrsF*’s concerns.On July 19, 2017, the F*s reported a crack in the sidewall of the Keystone Raptor fifth wheel travel trailer, after returning from a road trip with the trailerThey believed the incident occurred around July 2, 2017, but wasn’t sure if they struck anything or had an incident because of road constructionThey stated they felt they had to have had an incident to cause the crack in the trailer wall.Our claims representative examined the damageOn the left front side of the trailer there was a crack in the bonded sidewallIt was about 8” in length and originated in the lower front corner of the slide out cut-out areaThere were no other signs of damage to the trailerCracks like this, originating from the cutout corner of the sidewall, are common and typically due to the stress and weight of the trailer over timeThe nature of cutting a hole in the side of a trailer wall causes that area to be susceptible to fatigueWe discussed this with the repair facility that our customer selectedWe agreed that there might have been an issue with the framing of the trailer and obtained a written Authorization to Tear Down document from our customerOur customer agreed to the partial dismantle of the front of their fifth wheel trailer, to view the steel welded frame to see if it was damaged or had failedWe also asked Lippert Inc., the manufacturer of the frame the trailer was built upon, to weigh in after the tear down had been completed.The exposure of the frame didn’t reveal any fatigue or structural failure, and Lippert Incstated they couldn’t assistLacking any damage to the frame and lacking any incident that the insured(s) could point at to have caused the damage, we verbally and in writing stated our position with regards to the stress crack and it not being a covered loss due to an exclusion in the Wisconsin Travel Trailer Policy (08/WI):EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLYIF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART I.Coverage under this Part I will not apply for loss:to any vehicle that is due and confined to: awear and tear; bprior loss or damage; cmanufacturing defects; dimproper or lack of routine maintenance, or failure to perform maintenance as prescribed by the manufacturer; econtamination, pollutants, odors, sewage, or waste; ffreezing; ggradual accumulation of snow or ice on a vehicle; hscorching, marring, scratching, or breakage of internal equipment or furnish­ings whether permanently attached or notHowever, this exclusion does not apply to: (i) scorching, marring, scratching or breakage caused by malicious mischief, vandalism, riot, civil commotion, fire, or lightning; or (ii) breakage of glass which is permanently a part of or attached to the covered vehicle; imechanical or electrical breakdown or failure; or jroad damage to tiresThis exclusion does not apply if the damage results from the theft of a vehicle;A search of the [redacted] and other forums, supports that this is a common issueThere’s also a known issue of “flexing” of the frame and the trailer, while traveling down roadways.I know this isn’t the answer that MrsF [redacted] hoped forWe don’t take any claim lightly, but we didn’t find any indication of an incident or a loss to this trailer.If you have any questions, please feel free to call me [redacted] Sincerely,Michael J***Michael J***WI Special Lines Field Supervisor