Progressive Corporation

(The following was copy/paste by Revdex.com staff - LST)***June 27, 2017Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMr [redacted] ,I'm writing in reply to your letter dated June 23, Thank you for allowing me to address Mr [redacted] 's follow up commentsI hope this clears up what happenedMr [redacted] is correctWhen he purchased his policy online in 2016, he electronically signed the Application and rejection formsAn online signature is as valid as a handwritten signature and constitutes an agreement from him to accept the policy coverages he chose and to pay for the coverages he purchased.Mr [redacted] states in his follow up that "at the time shown" he was in Afghanistan I'm not sure if he means when he obtained his policy in 2016, or when we issued the Coverage Summaries to him on April 21, 2016, September 12, 2016, and March 13, Because Mr [redacted] chose to receive his policy documents via his email address, that's how we sent the documents to himWe issue renewals early so our customers can review them and decide if they want to accept the offer as is or if they want to make any changesWhile his policy was active, Mr [redacted] could've called us to make changes, or he could've done that himself online.I appreciate Mr [redacted] 's service to our countryI'm sorry that I can't change the situation, but we can only provide coverages that were on his policy at the time of the lossIf you have any questions, please call me at [redacted] .Sincerely,Dona R [redacted] Consumer Relations Specialist

October 13, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: United Financial Casualty
CompanyMs***, I'm writing in reply to your email dated October 5, 2016.Mr***'s most recent policy period was effective February 12, to August 12, I've thoroughly reviewed his policy and per our records, we haven't received any phone calls or a written/email request to cancel this policyHis policy expired effective August 12, 2016, leaving a balance due after cancel of $for coverage we provided up to that date.If Mr*** started a new policy elsewhere before August 12, 2016, he can send a copy of his new declarations page showing himself as the named insured or a covered driver on the policy, the same vehicles that he insured on his policy with us, and the effective date of his new policyHe can send it to my attention at Progressive Insurance, Wilson Mills Rd., N71B, Mayfield Village, OH He should reference the policy number above on any documents that he sendsOnce I receive his declarations page, I will review it to see if I'm able to cancel his policy effective June 24, 2016.We appreciate the opportunity to clarify this situationPlease call me with any questions at 1-440-395-3385.Sincerely,Sharon DS***Sharon DS***Consumer Relations Specialist

April 27, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Specialty Insurance
CompanyMs***,I’m writing in reply to your letter dated April 19, 2016.Mr***’s policy began on January 25, At that time, he made a payment of $691, which paid his policy in full for six monthsOn February 16, 2016, we sent him a notice requesting that he provide us documents to verify the address where he was keeping his vehicleWe requested that he send this information to us by March 1, 2016. We didn’t receive the requested information, so we mailed Mr*** a Cancel Notice on March 9, It stated that his policy would cancel effective March 29, 2016, because we didn’t receive his complete address, including zip code, of where his vehicle was located. On March 20, 2016, we received an electric bill and suspension letter from Mr***The electric bill was valid proof, but the suspension letter wasn’t because it was from We sent him a notice advising that we needed additional proofWe didn’t receive the requested proof, so the policy canceled effective March 29, 2016.We sent Mr*** a Final Cancel on April 6, 2016, advising that the policy had canceledWe sent him a refund of $The price for his policy from January 25, to March 29, 2016, was $246.47. I’m sorry for any frustration Mr*** has experiencedIf you have questions, please call me at 1-440-620- Sincerely,Stephanie C***Stephanie C***Consumer Relations SpecialistEnclosures

(The following was copy/paste by Revdex.com staff - LST)***February 15, 2018Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number* *** NAIC Number:
*** Company Name: Progressive Select Insurance CompanyMrT***I’m writing in reply to your letter dated February 5, I understand MrM***’s concerns about his rate, and I have good news! I’ve updated his policy to change the accident to Non-Chargeable At Fault.We issued MrM***’s renewal on January 25, 2018, to be effective February 22, 2018, with a six-month rate of $3,This increased from his previous six-month rate of $2,438.76. Part of the increase to the price is that we increased our rates in CaliforniaWe don’t like to increase our rates, but sometimes it is necessary to keep up with the cost of doing businessWe submit any rate changes to the California Department of Insurance for approvalAlso, any rate changes are only implemented at a renewal. The other part of the increase was the addition of the August 11, 2017, accident to MrM***’s driving historyWe listed this accident as “At Fault With Property Damage” However, during my review, I noticed the accident payout was below the threshold to be listed this way. I’ve updated the accident to list as Non-Chargeable At Fault”This decreased the six-month rate by $990, and the new six-month rate is $2,Because I processed the change close to the February 22, renewal date, the renewal payment has been added to his March paymentThis means that the policy will renew on February 22, 2018, but we will process both the February and March payment on March 22, for $999.84. MrM***’s payments are currently scheduled as follows: March 22, $999.84 April 22, $500.98 May 22, $500.98 June 22, $500.98 July 22, $500.98To avoid such a large payment in March, he can call us anytime at *** or access his policy online to make a manual paymentWe’ll apply any manually made payment against the scheduled amount we will process in March. I called out to MrM*** today and left a voicemail to advise of the new payment schedule. I’m glad I could help MrM*** with this situation and that we could update his policyIf you have any questions, please call me at ***Sincerely, Michael F* Michael F* Consumer Relations Specialist

June 3, 2015Regarding:Case # ***Complainant: *** ***NAIC: *** Homesite Insurance CompanyHomesite Insurance Company is in receipt of the above mentioned complaintThank you for the opportunity to respondHomesite is the underwriting company for Progressive Home
Advantage homeowners policiesThe basis of the insured’s complaint is with regard to the cancellation of the insured’s policy and billing matters pertaining to the renewal term.On 2/10/the insured purchased a homeowners (HO-3) policy with Homesite effective 2/23/2014-2/23/The insured chose Homesite’s 4-Pay payment plan which requires an initial down payment and additional quarterly paymentsThese payments were to be made by the insured.On 1/10/a renewal policy offer was e-mailed to the insured for the 2015-termThis offer was sent via e-mail as the insured was enrolled in Homesite’s paperless programWithin the renewal offer was a renewal billing statement with an attached remittance slipThe premium for the term was $with $due by 2/23/The billing statement also showed the insured’s billing schedule for the renewal term.On 2/17/a renewal reminder was e-mailed to the insured as no payment was received.On 3/6/a renewal policy offer expiration notice was mailed to the insured’s property addressThis notice stated that as the insured declined to accept the renewal policy offer (no payment received), that coverage on the insured’s property ceased to exist effective 2/23/2015.On 3/14/the insured called Homesite regarding the cancellation of this policyThe insured was advised that this policy could not be reinstated and that they could receive a new businessquotationOn this day the insured received a new business policy quotation, accepted the quotation, and purchased the new policy effective 3/15/2015-3/15/($2623.00).Within the complaint the insured mentions that the new Homesite policy that they purchased is a higher premium than his prior policyThe following factors contributed to the higher premium for the new policy: The difference in pricing between a policy purchased in to a policy purchased in 2015, no early shopper discount (discount for purchasing a policy in advance of the policy effective date), the insured had a policy that cancelled for non-payment of premium, the insured had a lapse in coverage, and the insured’s new homeowners policy has some higher coverage limits.The insured also mentioned that he has not received the billing schedule for the new Homesite policy that he purchasedPlease note that a new business policy package was mailed to the insured’s property address on 4/16/which contained a billing statement on page which listed the insured’s monthly billing schedule for the term.Respectfully, Homesite holds its position in the cancellation of the insured’s homeowners policy.Please feel free to contact me with any further questions or concernsMy contact details are below. Sincerely,Ken G***Customer AdvocateHomesite InsuranceDirect: *** Fax *** ***

(The following was copy/paste by Revdex.com staff - LST)***June 16, 2017Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Lou T***Re: File Number: *** Customer Name: John ***Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Universal Insurance CompanyMrT***,Thank you for your letter dated June 12, I appreciate the opportunity to address Mr***’s concernsI hope this helps to explain our decision.I understand Mr***’s reference to the Wisconsin statuteWe aren’t disputing that the other driver may have been speeding, nor that he stopped at the stop signHowever, based on all factors of the accident we disagree with Mr***’s position that he isn’t responsible for the accident and we’re maintaining our original liability decision.Even though the other driver doesn’t have insurance, liability decisions in auto accidents are based on the rules of the roadWhether a driver has auto insurance or not, doesn’t impact the liability outcome of an accident.Mr*** also referenced a voice message from the police officer, but it wasn’t attached to the complaintWe did speak with the police officerHe confirmed that he didn’t arrive on the scene until hours after the accident, and the other driver had already left.The officer stated he doesn’t believe any passengers were mentionedWe were informed from statements we received from Mr***, his passenger, and a witness that there was a passenger in the other vehicleThey stated that the passenger could’ve been an adult maleTo date, no adult male has stepped forward claiming he was in the vehicleThe only person claiming to be in the vehicle by the other driver was her daughterThis is also the only person claiming an injuryBased on the evidence, we settled the passenger’s injury claimWe made the decision to settle this injury claim in exchange for a signed release to protect our customer, Mr***.Mr*** doesn’t carry Collision or Medical Payment coverages on his policy, so we are unable to make any payments for damages to his vehicle or his medical billsBecause Mr*** is the proximate cause of the accident, he isn’t eligible for an Uninsured Motorist claim.I’m sorry for the frustration this claim has caused Mr***If you have any questions, please feel free to call me at ***.Sincerely,Ashley K*** Claims Supervisor

November 29, 2016Revdex.comEuclid Ave., 4th FloorCleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive American Insurance
CompanyMs***,I’m writing in reply to your November 23, inquiryI appreciate the opportunity to address Mr***’s concerns and clarify the situation.This is a matter regarding the reimbursement of Mr***’s $Collision deductibleThe deductible is a portion of the loss Mr***’s contractually agreed to at the purchase of his policyWe have completed a liability investigation and determined that Mr*** was not at-fault for this lossArbitration was not filed in this case, and we are no longer pursuing recovery for the loss damages caused to Mr***’s vehicle. Mr***’s requests for documentation would fall under our work product policies and the release of any documentation would require additional steps to complete.Fortunately, we were able to refund Mr***’s deductible and issued payment on November 28, for the full $deductibleContact with Mr***, via voicemail, was completed and a notification that his deductible was being sent was explained.If you have any questions, please call me at 1-440-910-3176. Sincerely,Frank O’B***Frank O’B***Subrogation Claims Manager

Complaint clarification--vehicle collision occurred on 3/4/ The other driver was *** ***The claim # with Progressive is ***The person I have spoken to at progressive is Trent M***

November 6,
Revdex.com
Euclid Avenue, 4th Floor
Cleveland, Ohio
Attn: Lou *** RE: File Number: ***
File Name: Charles K*** ***
Policy Number: ***
Policy Type: Personal Auto
NAIC Number: *** Company
Name: Progressive American Insurance Company
MrT***,
I’m writing in reply to your October 31, inquiryThank you for forwarding MrB***s’ concerns regarding our request for informationI understand Why MrB***s’ is upset that we asked him to provide us with information regarding where his vehicle is keptI’m sorry that we caused him to be frustratedI’d like to explain why we asked for this information
At various renewals, on all policies, we review the entire policy to make sure we’re rating the policy accurately and that there are no rating factors that have changedDuring this review process, we order certain documents such as driving records and reports from third parties, such as Experian and Lexis NexisInformation we received links MrB***s to an address that’s different than what we’re showing on the policyFor this reason, we asked MrB***s to provide us with documentation that confirms his Beverly Hills, Florida addressWe didn’t receive this information so we updated the garaging zip code to *** and mailed a revised Coverage Summary along with a letter explaining why we updated the policy
I responded to MrB***s’ concerns back on
August 18, 2017, and let him know I’d be happy to accept one of the requested documents, confirming his address/garaging address even though the policy is canceledAs soon as I receive one of the documents needed, I can update the policy and unpaid balance
I hope this explains why there’s a balance due after the policy canceled
Please don’t hesitate to contact me at
*** with any questions
Sincerely,
Eva D***
Consumer Relations Specialist
Enclosures

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.On the report of us not saying we hit something to cause the crack is false, We did tell them on our way back from South Dakota we hit some transfers off bridges that were bigI believe is why the crack happenThe flexing of the frame and trailer is normal, it has too in order to make it down the road without being tore apart, but when you hit pot holes and or transfers going over bridges that is part of road hazardsAfter inspection as said by Progressive "The exposure of the frame didn’t reveal any fatigue or structural failure," therefore should be covered by them for repair. *** *** has also supported us in this saying, Progressive is going off some RV Forum that other campers have had similar problemsThis is not the case on your camper, *** *** talked with Progressive showed them no frame or structural failure was hereSo once again they should be paying for repairsThanks
Regards,
Deborah F*

see attached

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

*** *** *** *** ** *** *** * ***August 30, 2017Revdex.comEuclid Ave., 4th Flr.Cleveland, OH 44115Attn: Lou ***Re: File Number: *** Customer Name: Brian *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name:
Progressive Northern Insurance CompanyMr***,I’m writing in reply to your email dated August 22, 2017.I’m sorry for Mr*** confusion about having his son, Jake, listed on his policy, and the amount due after cancelI’ve reviewed his policy to explain what happenedI hope this information is helpful for him.In Illinois, we require that any relative of legal driving age (years old), who lives in Mr***s home, even if that person doesn’t drive the vehicles, be listed on the policyThis is shown on his Application that he signed on April 29, A copy is enclosed. I also spoke with his agent Patrick, who stated that Mr*** didn’t disclose to him information about his son when he was quoting the policy.We issued a memo to Mr*** asking about other drivers in his householdWe received a copy of Jake’s driver’s license indicating that he lives with Mr***Therefore, we added him to the policyThis resulted in an increase of $to his rateWe issued a revised Coverage Summary to Mr*** reflecting this change.Mr*** called us on June 16, 2017, and we explained to him why Jake needed to be on the policyWe also explained to him about excluding his son from the policy.We canceled this policy effective August 17, 2017, when we didn’t receive payment from adding Jake to the policyThere is a balance due of $due after cancel for coverage we provided up to the cancel dateWe do not owe a refund on this policyI know this isn’t what he wants to hear, and I’m sorry.Mr*** can call us anytime at ***to make the payment. If you have any questions, please call me at ***.Sincerely,Sharon D***Sharon D***Consumer Relations Specialist

June 9, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Re: File Number: *** File Name: *** *** Policy Number: ***Policy Type: Personal AutoNAIC Number: *** Company Name: Progressive Select Insurance CompanyTo whom it may concern, I’m
writing in reply to your letter dated June 1, We appreciate the opportunity to clarify the situation.Our goal is to contact each party to an accident as quickly and efficiently as possibleWe use several contact methods, as well as any available resources to make contactI can assure you our only intention is to help Ms*** with her claimI’m deeply sorry Ms*** feels she was being harassed, that certainly was not our intention.During our investigation we discovered Ms*** uses her vehicle for business purposes, which falls outside the personal auto policy guidelinesOur service consultant let MsHerd know what type of documentation she could provide confirming her vehicle is not used for business purposes or in the line of her workTo date, we have not received any documentation from MsHerd or her employerWe are happy to review any documentation MsHerd provides.If you have any questions, please call me at 1-941-444-8907.Sincerely,Stephen H***Stephen H***Claims Manager

June 23, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Nu*ber: *** Custo*er Na*e: *** *** Policy Nu*ber: ***-Policy Type: Co**ercial Lines NAIC Nu*ber: 155-Co*pany Na*e: Progressive County *utual
Insurance Co*pany *** ***,I’* writing in reply to your letter dated June 16, I appreciate the opportunity to clarify the situation. We issued a *** For* E-filing on his behalf and this filing requires a day notice to cancelWhen *** *** advised of his request to cancel on April 8, 2016, we processed the cancel date on *ay 13, 2016, to acco**odate the day require*ent by the state In order to a*end the cancel date, *** *** will need to provide a Bill of Sale for the ChevroletOnce received, we will review the infor*ation for a possible cancel adjust*ent. I’* sorry for *** ***’s frustrationsIf you have any questions, please call *e at 1-440-910-1445.Sincerely,Dawn *D***Dawn *D***Co**ercial Resolution Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Firstly, I never stated that I was driving the ***, as I was not nor have I ever driven it, as it is my husband's bike, not mineSecondly they are taking my words out of contextI did state that I have no idea how the damage occurred as we did not witness the damage happen, we were sleeping at the timeIt does look like it may have been hit, but it also looks like it was vandalized, as there is damage on all sidesI can understand wanting me to file (2) claims, BUT NOT (4) separate claimsI have no problems filing ONE claim for the damage to the front tire and fender as it does appear to have been hit, and a SECOND claim for the vandalism, but where are they getting FOUR claims out of this? Like I said before, if we can settle on TWO claims I will be satisfied with that as an outcome, but I will not settle for anything else
Regards,
*** ***

May 31, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: *** *** Re: File Number: *** File Name: *** *** Policy Number: ***Claim Number: ***Policy Type: Personal AutoNAIC Number: *** Company Name: Progressive Select Insurance
CompanyMs***, I’m writing in reply to your letter dated May 26, We appreciate the opportunity to clarify the situation.The information we requested in this claims investigation is standard for the majority of our fire and theft claimsIn this case the information is needed in order to confirm coverage applies as well as the facts surrounding the lossWhen the customer supplies the required information, and we complete our claims investigation, we will finalize our coverage decision and make the customer aware of our decision.My review of the file also shows there have been multiple conversations between the claims representative and our customerWe’ve returned every call that our customer requested. If you have any questions, please call me at 1-561-469-5010.Sincerely,Mike M***Mike M***Claims Manager

June 15, 2015Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive
County Mutual Insurance Company*** ***,I’m writing in reply to your letter dated May 29, 2015.I spoke with *** *** and reviewed the damages to his fences for the accident that occurred on April 24, 2015. On May 4, 2015, we received a call from *** *** ***, where she identified herself as the property manager of *** ***’s rental propertyWhen we spoke with *** ***, she stated that there were damages to a pipe fence and the chain link fence on *** ***’s propertyAt first contact, *** *** stated that she had a bid completed for the repairs, and she would email it to us*** *** also confirmed that there were other sections of the pipe fence that were damaged from another loss which occurred two weeks prior to our loss*** *** stated that a ftsection of pipe fence was damaged for our lossAt our inspection of the property and of the scene, we found a section of pipe fence that was damaged and another complete section that was knocked downOur claims representative completed his investigation and confirmed the damages related to this loss by speaking with the driver of our car and our customer who was at the sceneHe also spoke to the tenant that is currently living in the rental property, and took photos and measurements of the damages found at the scene Our investigation confirmed that a foot section of pipe fence was damaged in this loss and a section of chain link fenceOur claims representative completed the estimate for the damages to the chain link fence and the foot section of fence, and reviewed our estimate and investigation findings with *** ***The bid that was submitted to us was for the replacement of a foot section of fenceWhen our claims representative reviewed the finding with *** ***, she agreed with the damages we confirmed as what was related to this loss and had their contractor, MrShuler, re-inspect the pipe fence section that was damaged due to this lossWe then followed back up with *** ***; she confirmed that their contractor would be able to repair both the chain link fence and the foot section of pipe fence for our estimate of $5,We issued payment for the damages in the amount of the estimate that was completed by our claims representative. During my discussion with *** ***, I reviewed our investigation where we confirmed the damages related to the lossWe also talked about how we have made changes in how we handle fixed property claims since his previous loss with us in 2003, where we damaged his pipe fenceI explained to him that we now have claims representatives that we’ve trained to handle damages to fixed property and can quickly respond, assess and then work with their contactor to resolve the damages to their propertyWe’ve done this to create a positive claims experience for our fixed property customers by no longer asking them to take time out of their day to collect repair bids for their property. We appreciate the opportunity to clarify the situation and are sorry for any confusionIf you have questions, please call me at 1*** Sincerely,David B***David B***Multiline Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I feel like I'm being penalized for for filing a claim What good is having insurance if you can't use it I was interrogated by James who made me feel like I was doing something wrongIt was like I was asking him to pay for my motorcycle Since he was chastising me, I immediately became defensive and agitated. While I agree that my claim has now been reassigned to a new adjuster, it doesn't take away the accusatory attitude, tone and words that the OH adjuster said to me and the negative impact it had on me
Regards,
Lasingya ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me All though I appreciate to removal it should have been done when I called last yearBe advised, Ms*** has not lived at this address in over years and we have no knowledge of where she movedAttached is a copy of the mailings
Regards,
*** ***