Progressive Corporation

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 They are lying and committing fraud they had no evidence I was in an accident and because I didn't report a accident that didn't happened they told me it was my faultThey claim we are in legal contrast for them to represent me but we also had a legal contract of my policy before they changed it and double my premium after this legal contract.so they can in force the contract when they want but take it away when they want I will be seeking legal action I have a huge social media following I will be telling the world how decietful they are and I will be taking each one of the people that dealt with case to court individually since no one want to own up and tell the truth [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 Again, they did not explain how they came to this conclusion, nor do they want toLike I have asked to everyone along the Progressive "line", how long is a semi truck retread? Do you know how much damage can be inflicted by this type of tire when it peels off and comes flying at you in the freeway? How is it that the insurance company, who actually is paying for the claim, had no problems for paying for the wheel cover, but "my" insurance company, decided not to? What I see are shady insurance company practices, and still very poor customer serviceHow come they don't call me, instead of me having call you? Thanks Regards, [redacted]

(The following was copy/paste by Revdex.com staff - LST)***February 12, 2018Revdex.comEuclid Avenue, 4th FloorCleveland, Ohio 44115Attn: [redacted] RE: File Number: [redacted] File Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyHi MrT [redacted] I’m writing in reply to your February 6, inquiryThank you for making us aware of MrB [redacted] concerns about our decision to deny his claimI’ve reviewed the claim and appreciate the opportunity to explain how we reached our decision.MrB [redacted] reported a claim on September 12, 2017, indicating there was damage to his Mercedes-Benz C230, caused by Hurricane IrmaHe provided the date of loss as September 9, 2017.On September 18, 2017, we spoke to MrB [redacted] who indicated there were scrapes, dents, and paint came off due to the hurricane’s windsWe inspected his vehicle on September 20, During the inspection we noted various panels that had peeling clearcoatMrB [redacted] indicated the clearcoat was not in that condition prior to the hurricaneA coverage investigation was initiated at that point to determine whether the damages claimed were a result of a covered loss under his policy.To help get a better understanding of MrB [redacted] claims, we contacted MrB [redacted] prior insurance company, ***, to discuss his prior total loss claim with themThey indicated his vehicle had pre-existing damage when they valued it, including fading and poor paint, which MrB [redacted] later indicated was repairedWe asked MrB [redacted] to submit pictures he felt supported the condition of his vehicle prior to the loss date which were taken in March of We reviewed the pictures, but they didn’t support the condition of his vehicle prior to the date of loss because they weren’t time-stamped.After reviewing the available evidence, including the pictures from the inspection, we determined the damages being claimed weren’t the result of a covered loss, but rather wear and tearMrB [redacted] Policy Contract (Florida Personal Auto Policy form edition (07/13) states the following:Part IV – Damage to a Vehicle:INSURING AGREEMENT - COMPREHENSIVE COVERAGEIf you pay the premium for this coverage, we will pay for sudden, direct, and ac­cidental loss to a:covered auto, including an attached trailer; ornon-owned auto;and its custom parts or equipment, that is not caused by collision.A loss not caused by collision includes:contact with an animal (including a bird);explosion or earthquake;fire;malicious mischief or vandalism;missiles or falling objects;riot or civil commotion; theft or larceny;windstorm, hail, water, or flood; orbreakage of glass not caused by collision.EXCLUSIONS - READ THE FOLLOWING EXCLUSIONS CAREFULLYIF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART IV.Coverage under this Part IV will not apply for loss:to any vehicle that is due and confined to: awear and tear; bfreezing; cmechanical, electrical, or electronic breakdown or failure; or droad damage to tires.After the coverage review went through the proper channels, the denial was relayed to MrB [redacted] verbally and in writing, and he disputed our findingsHe indicated the damages were consistent with hurricane wind damages and that the winds reached mphHe later provided additional documentation he felt supported this should be a covered loss, including typed correspondence from three individuals who indicated they saw his vehicle prior to the date of loss and there was no paint damage and/or apparent paint damageWe reviewed the correspondence, but found this documentation wasn’t enough evidence to change our denial decisionThe paint peeling is something that occurs over time, and isn’t the result of a sudden, direct or accidental incidentI know this isn’t the outcome MrB [redacted] hoped for, and I wish I had better newsWe’ve carefully considered the facts of loss in our investigation, and based on the information available, we respectfully support our liability decision Please don’t hesitate to contact me at [redacted] with any questions.Sincerely,Bob H [redacted] Bob H [redacted] Catastrophe Manager

February 2, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMs [redacted] , I’m writing in reply to your letter dated January 28, We appreciate the opportunity to clarify the situation.We sincerely apologize for not returning Ms [redacted] ’ calls in a timely mannerSince receipt of Ms [redacted] ’ letter, we have had the opportunity to speak directly with her and explained in detail why we declared her car a total lossWhile the cosmetic damage to her car is minimal, there is significant suspension damageThe cost to repair her car is $4,The value of her car is $3,Since the cost to repair the car exceeds the car’s value, we determined it to be a total lossMs [redacted] now understands our position and has accepted our total loss offer.The necessary paperwork, requiring her signature will be sent via [redacted] **.If you have any questions, please call me at 1-954-233-9026.Sincerely,Scott D [redacted] Scott D [redacted] Claims Manager

[redacted] ***May 16, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: Jeff [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMr [redacted] ,I’m responding to your letter dated May 5, Thank you for the opportunity to clarify the situation.Mr [redacted] purchased a policy with us in September We received the initial payment of $and no other valid paymentsBecause no other payments were received, the policy cancelled for lack of payment effective November 14, After the policy canceled, we sent a bill for $for the coverage provided until the cancel date.I know this situation has been frustrating for Mr***, and we’d like to assist him in correcting the policy cancel dateMr*** called our Customer Relationship Center on May 4, 2017, and discussed sending proof of duplicate coverage for his vehicle so that we could adjust our cancel date and the balance dueTo date, we’ve not received his proof of other coverageI called Mr*** at the number listed on his Revdex.com inquiry ( [redacted] ) on Friday, May 12, 2017, and left a message for a return call.To expedite correcting the cancel date, he can send the documents to me directlyHe can fax them to my attention at [redacted] or via email to [redacted] @progressive.comI’m happy to help him resolve his concerns, and I appreciate his patience while we get this taken care of for him.If you have any questions, please call me at [redacted] .Sincerely,Nancy [redacted] Consumer Relations Specialist

October 13, 2016Revdex.com, IncEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] * [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Advanced Insurance Company Ms [redacted] ,I’m writing in reply to your letter dated October 5, I appreciate the opportunity to clarify the situation On September 2, 2016, Ms [redacted] initiated a Chat Session with an online service consultantAt that time, we provided her with quotes for changes to her policy, as noted in the Chat transcription provided by Ms [redacted] Because we never received authorization from Ms [redacted] to process the changes, we never completed the changes.On September 14, 2016, we mailed Ms [redacted] a Cancellation Notice for an amount of $due by September 21, 2016, to prevent cancellation of her policyOn September 23, 2016, we canceled Ms [redacted] ’s policy due to nonpayment Because we did not receive the payment to avoid cancellation, we will not be reinstating the policyI’m sorry for the inconvenience this has causedIf you have any questions, please call me at 1-440-620-6942.Sincerely,Annie G***Annie G***Consumer Relations Specialist

September 21, 2015Revdex.com, IncEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Universal Insurance Company [redacted] ,I’m writing in reply to your letter dated September 13, 2015.On May 26, 2015, we declared [redacted] a total lossWe evaluate vehicles that are a total loss with a system developed by [redacted] ***, which completes a market surveyBecause of the age of [redacted] ’s vehicle, we were unable to find comparable vehiclesIn this case two car lots were contacted and they came back with an average value of $1,Our Claim Representative, [redacted] Dan O [redacted] contacted [redacted] and presented an offer for $1,He did not agree with the offer and sent [redacted] O [redacted] several comparable vehicles he found onlineHe advised [redacted] O [redacted] that he might get an independent appraisal done, which [redacted] O [redacted] advised him would have to be done at his own expenseThis is when I became involved in the claim.The comparable vehicles [redacted] sent to us were not exact comparable vehicles based on year, make, and model of the vehicle but were in considerably better condition than his wereI searched extensively on the internet and did not find an exact comparable vehicleI reviewed the pictures of [redacted] ’s vehicle and it became apparent that the vehicle was clean and in good condition for the year, make, and modelSee our condition ratings on the evaluation that I've included for your review I ran NADA classic cars on the vehicle, which is widely recognized as a fair value for older vehiclesThe average retail came back as $3,Considering this along with the [redacted] survey and [redacted] ’s comparable vehicles, we determined the vehicle worth between $3,and $4,On May 27, 2015, [redacted] O [redacted] called [redacted] and made an offer for $3,to settle his claimTwo days later [redacted] O [redacted] received a call from an independent appraiser trying to look at [redacted] ’s vehicle at the storage facility [redacted] O [redacted] allowed the appraiser to inspect his vehicleThe independent appraisal came back at $4, [redacted] O [redacted] then negotiated a fair settlement of the claim for $4,and paid $for [redacted] ’s cleanup costsWe advised [redacted] that the independent appraisal was his choice and the fees wouldn't be reimbursable prior to the appraisal being done[redacted] raises the contention that we did not pay him for the improvements done to his vehicle, in order to restore it to the amount of $6,The NADA classic car guide assumes that the vehicle is restored with the value of $3,and the appraiser he hired came up with a value of $4,We settled the claim for $4,which is a fair and accurate settlement for this vehicleI'm sorry for the inconvenience causedIf you have any questions, please call me at 1- [redacted] .Sincerely,Bryan B [redacted] Bryan B [redacted] Claims Supervisor

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 I have explained to them, that it was not her running the light that caused the damagesShe was proceeded to merge into my lane which caused the accidentWhich is supported by the facts of the case because she was indeed heading toward tbe interstate when she collided into my carFurthermore after collision their insurer exclaimed "she had not seen me." ater she collided with my carMsG [redacted] and Ms L [redacted] have made no effort to contact the police officer about the nature of their insurers claimFurthermore, they both used fear tactics to try and get me to not pursue further complaintsClaiming that it would be useless and it was he said she said regardless of her being cited with admission to running the lightAnd denied my request for a second examinationMsG [redacted] and MsL [redacted] have been extremely unprofessional throughout the entire situation accusing me of telling falseh***s and laughing at me over the phone when making reasonable requests for a truthful examination of the incident Regards, [redacted]

March 3, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: 907044486Policy Type: Personal AutoNAIC Number: 155-21735Company Name: Progressive Premier Insurance Company of IllinoisMs [redacted] ,I'm writing in reply to your letter dated February 25, 2016.I’m sorry if I offended Mr [redacted] by providing the Snapshot details, as I was only trying togive him the most up to date informationI confirmed that we charged the device fee onFebruary 19, 2016, but after we received it on February 24, 2016, we removed this fee.Whenever there’s a policy change that affects the rate, we legally have to issue new policydocuments to the customerWe didn’t make arbitrary changes to Mr [redacted] ’s policy; wemade a coverage change that he requested and we updated the policy when we needed toadd or remove discounts.We removed EFT effective January 31, 2016, which increased the policy a prorated amountof $The $is based on this change being effective on January 31, 2016, and goingto the policy’s expiration date of March 5, 2016, which is daysIf you divide the $bythe days, it equals a charge of about $per dayWe canceled the policy once wereceived his email cancel request effective February 1, This means we only chargedhim for the EFT removal for one day, or about $I can understand why the timing of thisis bothersome to Mr [redacted] , but without knowing when he’d send us the cancel request,we wanted to make sure that the scheduled withdrawal didn’t occur on February 1, 2016.I’m not able to add EFT back onto the canceled policy for one day so that Mr [redacted] isn’tcharged the $.24, so I removed a $Installment fee due to the situation.If you have any questions, please call me at 1-440-395-3384.Sincerely,Dona [redacted] Dona [redacted] Consumer Relations Specialist

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.These regulations are being misconstrued. These regulations are meant for the insured and insurer. Standard set so that insurance companies cannot put junk parts or parts that may fail on their customers vehicle. Policies that insurance companies have, state what parts they will put on a customers’ vehicle if they were in an accident and they were at fault are agreed to when the policy is purchased by the insured. If a new vehicle at a dealership was hit while parked on the lot by another person, then their insurance company would have to replace the parts. I am very sure that an insurance company couldn’t tell the dealership that they can put OEM equivalent aftermarket parts and certified used parts for the same year vehicle on the new vehicle. Again these regulations are meant for an insurance company and their customer. All the wording in these regulations are meant for the insurer and insured. This is an attempt to mislead a victim and to provide the lowest cost parts to a persons damaged vehicle that was parked with not occupants. Regards, [redacted]

Hi ***, Attached is our response and supporting documents Thank you! Rose S [redacted] Consumer Relations Specialist [redacted]

(The following was copy/paste by Revdex.com staff - LST)***June 5, 2017Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Lou T [redacted] Re: File Number: [redacted] Customer Name: Salvador [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive County Mutual Insurance CompanyMrT [redacted] ,Thank you for your letter dated May 10, I’m sorry for the frustration that we’ve caused Mr [redacted] .On May 29, 2017, Mr [redacted] requested to cancel his policy effective June 27, The representative that he spoke with advised him that his policy would cancel using a 90% prorate method, which is incorrectI’m very sorry that we incorrectly advised Mr [redacted] I’d like to confirm that when Mr [redacted] ’s policy cancels, the policy will be canceled using the prorate methodThere are no fees for canceling his policy, and he will not be charged for coverage beyond the cancel date.The representative also mentioned that $would be due after the policy cancels, which is correctThis amount reflects the coverage that we’ll provide until his policy is canceled.When Mr [redacted] ’s policy cancels on June 27, 2017, he’ll receive confirmation of the cancel and a breakdown of his billingIf you have any questions, please feel free to call me at [redacted] .Sincerely,Gwendolyn [redacted] Consumer Relations Department

Progressive Claim Number: [redacted] There were police officers on siteOne officer had to come over by me because the driver was yelling and screaming about everything

June 9, 2016Revdex.comEuclid Ave., 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Commercial LinesNAIC Number: [redacted] Company Name: United Financial Casualty CompanyMs [redacted] :I'm writing in reply to your letter dated June 7, I appreciate the opportunity to clarify the situation.On November 22, 2014, Mr [redacted] reported that an unknown driver struck his vehicleThis incident occurred during the policy period effective April 23, to April 23, For this reason, we did not add the claim for that policy periodOn March 20, 2015, we issued a Renewal Offer for the policy period effectiveApril 23, to April 23, The claim in question was still open at the time we issued the renewal for this periodWe added this accident to Mr***’s driving history as an open claim, for informational purposes onlyThis meant that we had not yet determined fault, and the accident did not have any impact on the rate at that timeWe did not close the claim until July of 2015, after this policy period was already in effectWe would follow up to update Mr***’s driving record at the next renewal When we issued the renewal for the policy period effective April 23, 2016, we updated the accident to an at-fault accident, because we had issued payments for the claim under Collision and Medical coverage over our threshold amountTypically, when we make a payment under Collision and Medical coverage, it’s because we determined our driver at-faultHowever, this was a hit and run situation that should have been listed as a not-at-fault accident.We have changed this incident from an at-fault accident on the present policy period, effective April 23, 2016, which resulted in a credit of $594.I’m sorry for the inconvenience this causedIf you have any questions, please call me at 1-440-910- Sincerely,Erika C [redacted] Erika C [redacted] Commercial Lines Representative

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12195770, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.]your first response said I did not pay April's bill which I attached proof of paymentNow your saying I didn't pay narch bill for which I attached narch proof if paymentI will pop proceed a lawyer for putting me in collections for no reason and take further action for ruining my creditI have saved all these messagesPlease review your response again before responding with another excuse if me not paying my bill which I gave provided both! Regards, Derek [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 I have found better coverage that includes comp, collision, and roadside, along with the minimums required by the State of Illinois, for $a month I no longer need the help of the Revdex.com However, I do intend to tell my story about the unfair treatment by Progressive to anyone and everyone I come in contact with.Thank you for your assistance Please inform Progressive I will be informing my state AG office/Insurance Division to withdraw my complaint with them; however, I will ask they keep in on record 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 This is in response to Progressive's rejection dated March 24, When was the overall rate change implemented with you company?I find it hard to believe it was done within a month of me adding the additional driver and vehicle to my policy on January 18, to when I renewed my policy on February 28, Attached is a copy of the policy rate effective January 18, as a reference which you acknowledge was having full coverage on both vehicles at a rate of $1, I also have primary medical coverage with my health insurance through my employerSo it is very unclear to me why you can not honor the rate I was quoted at for full coverage on both vehicles only a month before my renewal Secondly, as said on the phone to your representative, I would NOT have filed the claim and repaired my vehicle had I known I would be negatively affected this way, which I clearly stated, several times and continually asked for confirmation, which I received that it would not happen For that reason I am having trouble understanding why it is okay for you to state that nothing will change on my policy, but now for you to not honor the rate in which I was offered a month prior to my renewal and to keep the claim off my policy, as it will affect my future rates, which I was promised wouldn't happen I was told time again and that my calls were being recorded and that anything I said could be held against me Why is it okay for you guys to only remove it for one policy period so that it can affect my policy when I renew? Shouldn't both parties be held responsible for their words? Even with the amount of coverage I have received from your company, the amount of money I put into my policies far exceeds the costs you have had to bear for my policy.I want what I was promised over the phone and my initial request is herein requested again as it is the only fair and reasonable action for me to feel this is resolved as it was stated would be the case when I filed my claimI want full coverage on my vehicle at the quoted rate a month prior to my renewal and for the claim to be removed or forever barred from affection my policy rate as was stated from you company over the phone.I do appreciate you addressing this issue with me and hope that we can come to a mutually agreed upon resolution Regards, [redacted] ***

February 5, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [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 January 27, I appreciate the opportunity to clarify the handling of this claimMs [redacted] was operating her [redacted] SUV on westbound Interstate at night in rural Arizona when she was struck on the left rear by a rental vanThere are conflicting facts of loss regarding this accidentThe Arizona Highway Patrol completed a report and indicated Ms [redacted] was travelling at 25-mph in a mph zone as her SUV would not shift out of first gearAccording to the report,Ms [redacted] was previously stopped by law enforcement for driving too slowly on the highway in New MexicoMs [redacted] does admit to driving slowly on the interstate but that she had her emergency flashers activated prior to impactThe opposing driver stated Ms [redacted] was driving slowly and also had just entered the roadway from the right side of the roadThe opposing driver stated Ms***’s SUV did not have the emergency flashers activated when it suddenly appeared in front of their vanWe completed a liability investigation and considered both versions of how this loss occurred, the findings of the police report and photographs of Ms***’s SUVWe determined Ms [redacted] was percent negligent for travelling at an unsafe slow speed and operating an unsafe vehicle on the highwayWe found the opposing driver percent negligent for improper lookout and inattentionThe rental car agency, Airport Van Rental denied liability We inspected Ms***’s SUV and determined it was a total lossWe extended an offer to settle the total loss that Ms [redacted] acceptedMs [redacted] subsequently refused to sign the California DMV forms that would have allowed us to transfer ownership of the vehicle as part of the salvage process after the settlementVarious fields in the forms were intentionally left blank so they could be completed by our salvage department at a later dateThe intent of leaving the fields blank is to ensure they are filled out exactly as specified as the California DMV will refuse to process incorrect formsWe do agree to complete the forms and allow Ms [redacted] to sign them, but we will not release her total loss settlement until we are certain the California DMV has accepted the formsMs [redacted] was injured in the accidentUnfortunately, Ms [redacted] does not carry Medical Payments, Personal Injury Protection, or Uninsured Motorist Bodily Injury coverage on her policy with our companyThe other party may be uninsured and we have reviewed Ms***’s remedies that include small claims courtI’m sorry for any confusion to this situationIf you have questions, please call me at 1-916-246- Sincerely,Thomas AS [redacted] Thomas AS [redacted] Compliance Manager

April 8, 2016Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Universal Insurance CompanyMs [redacted] ,I'm writing in reply to your email dated March 31, Our customer, [redacted] , reported this claim on March 11, We understand Mr [redacted] 's concerns, but unfortunately the vehicle being driven by our customer was not listed on the policyOur investigation supports that the loss vehicle is owned by Mr [redacted] ’s, business, which may have been uninsured at the time of lossWe've been attempting to qualify the unlisted vehicle for coverage under this personal auto policy contract Our investigation has concluded that the unlisted vehicle is a Chevrolet Express Cutaway foot box truck used in Mr [redacted] ’s furniture business Unfortunately, this vehicle does not meet the definition of an “auto” as defined in this policyDue to this, the insured will not meet the definition of an “insured person” under Part I – Liability to Others, as required for coverage.Progressive Policy Form Edition 03/07:GENERAL DEFINITIONSThe following definitions apply throughout the policy Defined terms are printed in boldface type and have the same meaning whether in the singular, plural, or any other form"Auto" means a land motor vehicle: aof the private passenger, pickup body, or cargo van type; bdesigned for operation principally upon public roads; cwith at least four wheels; and dwith a gross vehicle weight rating of 12,pounds or less, according to the manufacturer's specificationsHowever, "auto" does not include step-vans, parcel delivery vans, or cargo cutaway vans or other vans with cabs separate from the cargo area.PART I - LIABILITY TO OTHERSADDITIONAL DEFINITIONS: When used in this Part I:"Insured person" means: ayou or a relative with respect to an accident arising out of the ownership, maintenance, or use of an auto or trailer; bany person with respect to an accident arising out of that person's use of a covered auto with the permission of you or a relative; cany person or organization with respect only to vicarious liability for the acts or omissions of a person described in a or b above; and dany Additional Interest shown on the declarations page with respect only to its liability for the acts or omissions of a person described in a or b above.We've denied this claim and closed our file of any further handlingI'm sorry for any inconvenience Mr [redacted] has experienced.If you have any questions, please call me at 1-309-407-3240.Sincerely,Terry B***Terry B***Claims Manager

October 21, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Universal Insurance Company Ms [redacted] ,I’m writing in reply to your letter dated October 15, Thank you for the opportunity to clarify the situationOn August 2, 2016, Ms [redacted] purchased a six-month Oregon policy, effective until February 2, At that time, she elected automatic payments for her policy, which we scheduled for withdrawal on the second day of each monthOn September 13, 2016, Ms [redacted] called to obtain a quote for a new policy in another stateOn October 2, 2016, we withdrew the monthly payment of $as scheduled.On October 4, 2016, Ms [redacted] called to cancel her policy effective the same date.On October 7, 2016, Ms [redacted] called to dispute the withdrawal of her October payment, indicating that she had previously requested to cancel her policy on September 13, She asked that we reimburse her for overdraft fees she incurred with her bank because of our errorIn response to Ms [redacted] 's concerns, we completed a review of her call to us on September 13, During the call, she stated that she could not purchase the new policy we quoted for her and wanted to keep her current policy activeShe indicated that she would call us back if she decided to purchase another policyWe did not receive a request from Ms [redacted] to cancel the policy until October 4, 2016, at which point we had already submitted the scheduled October payment to Ms [redacted] 's bank for withdrawal.Ms [redacted] then stated that she had actually obtained other insurance on September 16, Based on this information, we revised the cancellation date of her policy from October 4, 2016, to September 16, However, we declined to reimburse her for any overdraft fees.On October 11, 2016, Mr [redacted] called to make a second request for reimbursement of the overdraft fees charged by his bankHe indicated that we withdrew two payments from his bank account in October for $We called out to Mr [redacted] 's bank to clarify his payment concernsUS Bank confirmed that they completed our first attempt for payment withdrawal on October 4, 2016, with a second attempt on October 11, Our bank will automatically attempt to present a payment a second time should the first attempt be unsuccessfulUS Bank did not honor either attempt for the payment withdrawal of $We again declined to reimburse any overdraft fees for Mr [redacted] On October 14, 2016, Ms [redacted] called to make another request for reimbursement of overdraft feesShe stated that she notified us of her request to cancel, but we still attempted to withdraw the October payment multiple timesWhen Ms [redacted] requested to cancel her policy on October 4, 2016, we had already submitted the payment withdrawal request to her bank two days priorWe are unable to prevent a second attempt from occurring if the first attempt for payment is unsuccessfulWe again explained to Ms [redacted] that because an error had not occurred on our part, that we would not be able to reimburse her for any bank feesShe then disconnected the callI'm sorry for the financial difficulty this situation has caused the [redacted] sWhile I cannot offer to reimburse the overdraft fees as they’ve requested, as a courtesy, I've waived the fee charged for the returned October payment, which will result in a refund of $to the bank account we have on file for them If you have any questions, please call me at 1-440-910-Sincerely, Anna O***Anna O***Consumer Relations Specialist