Progressive Corporation

February 24, 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 February 19, We appreciate the opportunity to clarify the situation.Mrs***'s policy includes Personal Injury Protection (PIP) benefits of up to $10,per person with a $1,deductible per personAdditionally, the policy included Medical Payment coverage in the amount of $1,per person. On July 2, 2015, our Claims Representative, Ross T***, spoke with Mrs*** to explain how her policy coverages would be applied toward the medical bills incurred by her husband and daughter as a result of the accident and included a discussion of the deductibleMrs*** indicated she understood what was discussedBy selecting the deductible Mrs*** assumed responsibility for the first $1,in medical bills for each injured party.On February 17, 2016, Mrs*** called and spoke to our Medical ClaimsRepresentative, Lindsey Adams along with her Supervisor, Christine R***They again explained the deductible. The following amounts were paid:*** *** PIP $1,MP $ *** *** PIP $ MP $ 155.90We provided an Explanation of Benefits to Mrs*** to help her understand what was paid as well as the amounts she is responsible for.If you have any questions, please call me at 1-407-618-8677.Sincerely,Donna H***Donna H***Medical Claims Manager

(The following was copy/paste by Revdex.com staff, LST)***July 18, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, Ohio 44115Attn: *** *** RE: File Number: *** File Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name:
Progressive Select Insurance Company*** ***,I’m writing in reply to your July 13, inquiryThank you for letting me know about *** ***’s past due balance concernsI’ve reviewed the policy and appreciate the chance to provide some additional details about why there’s a balance due of $747.90.When the ***’s purchased their policy, they let us know they maintained liability insurance prior to the start of their policyFor this reason, the policy included a Prior Insurance DiscountIn order to keep this discount, we asked the ***’s to provide us with a copy of their prior insurance documentationBecause we never received this information, the Prior Insurance Discount was removed the policy, causing an increaseWe mailed copies of the revised policy along with a letter explaining why the policy price increased. On April 23, 2017, we mailed a bill for $809.89.On May 1, 2017, we mailed a Cancel Notice letting the ***’s know the policy would cancel effective May 16, if we didn’t receive their payment of $809.89.No payments were received, and the policy canceled May 16, 2017.On May 17, 2017, we mailed a Final Bill letting the ***’s know a balance of $remained dueVerbiage on this documents confirms the balance would be turned over to a collection agency if not paid within days of the notice date.On May 18, 2017, we sent an email confirming the policy canceled with a balance dueThis email also lets the ***’s know the balance would be turned over to a collections agency.I apologize for the lack of customer service *** * received from the collection agencyBecause they’re a third-party vendor, and work independently from us, I’m unable to address *** ***’s concerns about their screening process*** *** may wish to contact a manager at *** *** *** to discuss her concerns with their process. I’m more than willing to help the ***’sIf they can provide me with a copy of their liability insurance in effect from August 23, through February 23, 2017, I can make the necessary adjustment to the policy, and balance duePlease make sure the documentation includes policy effective/expiration dates, and coverage limits. I hope this information helps the ***’s understand why there’s a balance due, and the collection process. Please don’t hesitate to contact me at *** with any questions.Sincerely,Eva D***Consumer Relations Specialist

As far as I can tell my insurance company has closed the case so it looks like it won't be going to arbitrationWhich leaves the option of contacting them and requesting a waiver of their subrogation rights; after which I can file civil claim for the deductible and any court fees.
Regards,
*** ***

October 5, 2017 Revdex.com Euclid Avenue - 4th floor Cleveland, OH Attn: *** *** Re: File Number: ***
File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County Mutual Insurance Company Mr*** Thank you forwarding MrP***s’ concerns in your email dated September 29, Our liability investigation into this loss included a review of the notice of loss, the police report, and statements taken from each driverWe determined that while our customer, *** ***, failed to yield the right of way in the accident, MsO*** didn’t maintain a proper lookoutMsO*** also stated that she didn’t take any evasive action to avoid this accidentWe determined negligence to exist with both drivers, and have agreed to handle 70% of the property damage to the vehicle being driven by MsO*** We have discussed the liability determination with MrP***s, and understand that he doesn’t agreeTexas is a Modified Comparative Negligence state, so the shared responsibility is not only supported by Texas statutes, but also our independent investigation of both driver’s duties owed, and breached. I’m sorry for MrP***s’ frustration in this matterAlthough I know that this wasn’t the outcome that he was looking for, I’m hopeful that this information helps explain how we arrived at our decisionIf you have any questions, please call me at *** Sincerely, *** *** *** *** Claims Manager

December 14, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Numbers: *** *** *** Policy Number: *** Policy Type: Personal Auto NAIC
Number: 155-Company Name: Progressive Advanced Insurance Company*** ***,I’m writing in reply to your letter dated December 7, 2016.*** *** began his policy on April 12, At that time, his address was listed in *** *** *** ***On October 16, 2016, he was involved in an accident in *** *** *** under claim ***Based on this, we conducted an investigation into where his vehicle is primarily keptOur investigation concluded that the vehicle was primarily kept in Brooklyn and not in *** *** Due to the material misrepresentation regarding where his vehicle is primarily kept, we denied his claim and his policy was set to cancel on December 4, 2016.On November 26, 2016, *** *** was involved in a second accident in Brooklyn, New YorkBased on our previous investigation, we also denied this claim because of the misrepresentation committed. Under the Fraud or Misrepresentation section of *** ***’s policy, it states, “this policy was issued in reliance upon the information provided on your insurance applicationWe may cancel this policy and deny coverage under this policy at any time, including after the occurrence of an accident or loss, if you: made incorrect statements or representations to us with regard to any material fact or circumstance;concealed or misrepresented any material fact or circumstance; orengaged in fraudulent conduct; at the time of application, or in connection with the presentation or settlement of a claim.I’m sorry for any inconvenience *** *** experiencedThank you for the opportunity to clarify this situationIf you have questions, please call me at 1-518-560-3034. Sincerely, Trina L***Trina L***Claims Manager

(The following was copy/paste by Revdex.com staff - LST)***April 27, 2017Revdex.comEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: Lou ***RE: File Number: *** Customer Name: Terry *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC
Number: *** Company Name: Progressive Advanced Insurance CompanyMr***,I’m writing in reply to your letter dated April 21, I appreciate the opportunity to clarify the situation On February 26, 2017, we received report of the claimWe contacted an after-hours tow vendor, ***, and set up a tow truckMr***’s Ford Fwas towed by *** *** *** *** *** He decided to have his vehicle repaired at *** *** *** We don’t have any Network affiliation with *** ***However, we paid to have Mr***’s vehicle repaired to pre-loss condition for the damages related to the accident.On April 9, 2017, we received a phone call from Mr***, advising that his vehicle had broken down on the side of the roadWe had Mr***’s vehicle towed back to *** *** to see what caused the vehicle to break downDon at *** *** advised us that the issue appeared to be an internal engine failure and not related to the original accident Since picking up the vehicle from *** *** after the original repairs were complete, Mr*** has driven it approximately 1,milesWe advised Mr*** that he’d need to sign an Authorization to Diagnose for the engine issue, to determine if it’s related to the original accidentWe then explained that if the damages to the engine are related to the original accident, we’d pay to have the vehicle repairedWe also advised Mr*** that if the damages weren’t related to the original accident, he’d owe for the diagnosis and repairs to his engine Mr*** refused to sign the Authorization to Diagnose for the issue with his engineWe advised Mr*** that he could have his vehicle diagnosed at any repair facility he chooses because that’s his right To resolve this issue, we’re requesting that Mr*** sign an Authorization to Diagnose for the engine issue, so that we can determine if it’s related to the original accident that happened on February 26, 2017.I'm sorry for the inconvenience Mr*** has experiencedIf you have any questions, please call me at *** Sincerely,Brian V** ***Claims Manager

(The following was copy/paste by Revdex.com staff - LST)***November 13, 2017Revdex.comEuclid Ave, 4th FloorCleveland, OH 44115-2408Attn: *** ***
Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal
Auto NAIC Number: 155-Company Name: Progressive Universal Insurance CompanyMrT*** Thank you for sharing MrD***'s concernsI've reviewed our file to explain our claim handlingI hope this information is helpful.Our customer, *** ***, MrD***'s wife, was involved in a single vehicle accident on July 11, She was driving a BMW 330i when she struck a deerWe deemed the vehicle a total loss and extended an offer of $4,to MrD***, based on the fair market valueThe fair market value was derived utilizing *** *** *** *** vehicle valuation division. MrD*** doesn't agree with this settlement offer and questioned our valuation, specifically comparable vehicle threeWe sent a copy of the valuation to MrD*** (and I’ve enclosed a copy for your review). We also reached out to the dealership regarding comparable vehicle three and confirmed this vehicle didn't have any damage as indicated by MrD***We completed a local market search utilizing *** and confirmed our comparable vehicles were in-line based on the local marketWe also ran *** and the clean retail value is $5,We made a concession of $to resolve this total lossMrD*** feels his vehicle is worth $10,000. He hired appraiser Seth S*** of Fresno, CaliforniaWe spoke with MrS*** on October 16, He indicated that he completed the appraisal based on photos and comparable vehicles submitted by MrD***He confirmed that he never inspected the BMW 330i and didn't complete an independent market search He went by what MrD*** submittedMrS***' appraised value is $8,075. We advised MrD*** that if he wanted to use the Appraisal Clause in his policy, he needed to appoint a competent appraiserThis competent appraiser will need to complete an independent appraisal of the vehicleWe've hired *** *** *** and are currently waiting for the vehicle inspection to be arranged between the appraiser and MrD***.I want to assure MrD*** that we have every intention of indemnifying him for his collision claimThere have been delays due to us being unable to reach MrD*** on several occasionsWe issued payment to him for the owner retain salvage amount, as we didn’t hear from him after our contact attemptsWe began reinvestigating this claim once we heard from MrS***. We look forward to working with MrD*** to resolve his claimIf you have any questions, please call me at ***Sincerely,*** ***Jolene M***Iowa Claims Manager

Response Attached

attachmentBusiness response copied and pasted below by Revdex.com staff ** 1/25/17:January 16, 2017Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number: *** File Name: *** *** Claim
Number: *** Policy Type: Commercial Lines NAIC Code: *** Company Name: Progressive Southeastern Insurance Company Ms***,I’m writing in reply to your inquiry dated January 11, I appreciate the opportunity to clarify the situation. During a telephone conversation with Ms***, we agreed to reimburse her for her hotel and tow expensesOn December 20, 2016, we issued a check for $($hotel + $tow bill)Ms*** didn’t receive that check, so we reissued it on January 13, We’ll follow up with Ms*** and if she has not received the check, we will promptly stop payment and re-issue a new check.I’m sorry for any inconvenience this may have causedIf you have any questions, please call me at 1-804-887-5776. Sincerely,Mike O***Mike O***Claims Supervisor

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
This is exactly what I mentioned in the beginning and Progressive just confirmed it - regardless at fault or not at fault they increase rates for all driversSo, if this accident is not at fault, then the rates should be the same as without accident, but this is not the caseI do not see any reason to continue this dispute, the Progressive just admitted that they are wrongThank you, Revdex.com
Regards,
*** ***

(The following was copy/paste by Revdex.com staff - LST)***June 9, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn: Lou ***Re: File Number: *** Customer Name: Alan *** Claim Number: ***Policy Number: *** Policy Type: Personal Auto
NAIC Number: *** Company Name: Progressive Marathon Insurance Company Mr***,I’m writing in response to your letter dated June 4, Thank you for forwarding Mr***’s concerns about the August 15, claim reported on his *** report Mr*** had a prior policy with us (***) that renewed on May 30, 2014, and canceled on September 19, 2014, at his requestDuring this policy period, Mr*** called and reported that he discovered cracked glass on his vehicle on August 15, 2014, and asked about coverage to have it replacedAfter reviewing his policy coverages, we explained to Mr*** that replacement of his glass would be subject to his $Comprehensive deductible, which is more than the cost to replace the glassBecause of this, we didn’t make a payout on the claim.Although I understand that Mr*** feels we shouldn’t have reported this incident because we didn’t payout on his claim, we report all claim related incidents, whether we make a payout or notI know this isn’t the outcome Mr*** is looking for, and I wish I had better newsBecause he called and reported the claim, we’re unable to remove it from his claim history. I’m sorry for the frustration Mr*** experiencedIt certainly wasn’t our intentionIf you have any questions, please call me at *** Sincerely, Rose ***Consumer Relations Specialist

July 7, 2015Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Advanced Insurance Company*** ***,I’m writing in reply to your letter dated July 1, 2015.As we’ve previously communicated to *** ***, it’s our goal to settle all claims fairly, accurately, and in compliance with all *** *** *** Insurance Regulations*** *** sites Insurance Regulation 64, section (a) and (b) (2)My review of the estimate completed on *** ***’s vehicle confirms that it meets the requirements of Section (b)(5), which outlines the standards required for repair estimates that are based upon the use of non-OEM crash partsI’ve included this section of the regulation for your review: (5) If the insurer's repair estimate is based upon the use of any non-OEM crash part:(i) the estimate shall specify the non-OEM or non-OEM supplier;(ii) the insurer shall not, without consent of the insured or the designated representative, specify non-OEM crash parts from more than three different suppliers for any one repair;(iii) the crash part shall equal or exceed the comparable OEM crash part in terms of fit, form, finish, quality and performance;(iv) the crash part must be warranted by the non-OEM at least to the extent and duration as the comparable OEM crash part;(v) the insurer shall specify only certified crash parts, in regard to any part that has been duly certified by a qualified certifying entity acceptable to the superintendent;vi) if the crash part has not been certified by a qualified certifying entity acceptable to the superintendent, the non-OEM must issue a written warranty, for at least the period of the insured's ownership of the vehicle, that the crash part equals or exceeds the comparable OEM crash part in terms of fit, form, finish, quality and performance; and(vii) the insurer shall cause the damaged vehicle to be restored to its preloss condition consistent with the non-OEM warranty, at no additional cost to the insured and within a reasonable time, if the non-OEM fails to honor its warranty required in subparagraph (iv) or (vi) of this paragraph.(6) In determining whether a certifying entity is qualified and acceptable for purposes of paragraph (5) of this subdivision, the superintendent shall consider the extent to which the entity:(i) has adopted written standards containing conditions to be fulfilled by a manufacturer of crash parts;(ii) tests, or contracts with an independent testing organization that tests, crash parts, using suitable equipment and techniques;(iii) administers its certification program in a nondiscriminatory manner regarding any manufacturer or supplier of non-OEM crash parts;(iv) provides a system to determine that certified non-OEM crash parts continue to conform with standards prescribed in subparagraph (5)(iii) of this subdivision and, failing to so conform, to decertify and advise crash part users of withdrawals of certification for any such part;(v) provides mechanisms for quickly receiving inquiries and promptly resolving disputes that arise under the program in regard to consumers, insurers or repair shops;(vi) provides a means of identifying each certified non-OEM crash part and provides a system of security that guards against misuse of the identification;(vii) provides updated lists of certified non-OEM crash parts on at least a quarterly basis; and(viii) provides the superintendent with an annual report, and such other reports as the superintendent may require, highlighting any significant developments, problems or changes relating to certification procedures or requirements.This portion of the Insurance Regulation applies to both first and third party damage claims as outlined under section 216.10.The non-OEM bumper cover written for on our estimate is a CAPA certified part that meets the requirements outlined in the insurance regulation aboveAs outlined previously, the tail lamp written for on the estimate is an OEM part that is off the same model year or newer vehicle than *** ***’s *** *** ***. Additionally, if these parts were to arrive with a material defect, which again, we do not anticipate, we would certainly address that with *** *** or his repair facility. If you have any questions, please call me at 1-***. Sincerely,*** ***Matt D***Claims Manager

May 17, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** * *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance CompanyMs
***,I am writing in reply to your inquiry dated, May 16, Thank you for the opportunity to clarify the situationThe complaint arises from an accident that occurred on May 11, that involved our customer, *** *** On May 12, 2016, Ciera Hatch, our claims representative, informed Mr*** that his policy 38699691-8, didn’t have Rental Reimbursement CoverageShe scheduled an appointment for Mr*** to have his vehicle inspected that same day at the Progressive Mayfield Service CenterIt wasn’t until Mr*** was getting his vehicle inspected at the Progressive Mayfield Service Center that he mentioned he thought he had coverage to get a rentalHe also expressed he was upset that when he added the *** *** in November 2014, he was not informed he didn’t have the coverage or wasn’t given the opportunity to add it to the policy.*** C***, Ciera’s supervisor, talked to Mr*** over the phone and explained he didn’t have the coverage and we wouldn’t be able to provide payment for a rental while his vehicle was being repairedAt that time Mr*** asked to be transferred to ***’s manager, but I was out of the office at that time*** called Mr*** right back and advised we would complete a coverage investigation and pull the Policy Services call to confirm what was discussed at the time he added the vehicle *** authorized for Mr*** to be placed in a rental during the investigation Mr*** was satisfied and left the Progressive Mayfield Service Center in a rental On May 17, 2016, *** reviewed the call from Policy Services and confirmed Mr*** was not informed he didn’t have Rental Reimbursement Coverage or was offered the coverage at the time he added the *** *** to his policy Based on this new information, *** authorized rental for Mr*** while his vehicle is currently being repaired at the Progressive Mayfield Service Center Mr*** was informed of our decision that same day and happy with the resolution and handling of his concern In regards to *** berating and laughing at Mr***, that was definitely not ***’s intentI called Mr*** on May 12, 2016, after he spoke to *** for the second time, and apologized for his experience and advised I would monitor the claim until his concern was resolved. If you have any additional questions or concerns, please call me at 1-567-336-4410.Sincerely,Julie C***Julie C***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
While I appreciate the response from Progessive, they clearly acknowledge that they didn't properly explain the discount and the process associated with itAs such, they should apply the discount to correct the error made by their staffI don't think it's fair that I suffer financially because of their lack of diligenceIt cost me time and money to complete the course and if they don't correct the error I will have no choice but to file a complaint with the department of banking and insurance
Regards,
*** ***

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
Hi this letter is in regards to the response I
receive on November 25, About the offer I was presented with on November
03, for the amount of $which I refusedAfter I take $out of my pocket to hire *** *** *** *** *** to come out and do a diminished value appraisal which I think
Progressive County Mutual Insurance Company should have doneAfter
submitting a diminished value report I was offer $which is $added
to the first offer of $to make the offer look better after I spent
$out of pocket $750.00+$250.00-$325.00=$which is worse than the first offerThe
diminished value appraisal that clearly states my vehicle loss $market value so why would I accept
$I want what my vehicle loss due to insured’s negligence.Approximate
value of vehicle immediately prior to occurrence: $21'500.0014%
percent of the value of the vehicle $3,010.0063%percent
of the value of the vehicle $13,545.00We not discussing
a quality of repair issue we discussing Diminished
ValueMy vehicle has suffered as a result of your insured’s negligenceHad
my vehicle not been damaged, its value would have depreciated normally. The damages have created a stigma of defect
surrounding my vehicle and reduced its resale value.The following well established precedents are
applicable to my case:A
buyer will have no way of knowing the answers to concerns such as how much
metal fatigue occurred from the accident, whether or not the car will
“crumple” in the same manner as designed in a future accident, whether any
new paint is as durable as the original over time, whether or not
electronics are more likely to fail in the future from the jar of the
impact, and whether there are now warranty concerns which a virgin car
would not haveI am requesting that your office forward your
settlement funds in the amount $3,000.00, made payable to *** *** how
much Diminished Value to compensate me for my loss. I am
reasonable and want nothing more than to avoid a financial loss. I expect my claim will be easy to resolve and
look forward to a prompt resolutionThank
you for accommodating my request and for resolving this matterIf there will
be any delay in the processing of my settlement, please contact me immediately
at *** or ***. Respectfully;*** *** ***Enclosures:

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 have listened to each of the records I have made while speaking with Progressive over the phone and during each time when I had stated tot he representative that I had deductible on both collision and comprehension they stated that I was very lucky has I had on both and kept assuring me of such.I spoke with my Claim's person Kevin who stated that the shock in my voice when he informed me that there was a deductible was evident as well.I had spoke with Progressive several times prior to the accident and always made comments about my deductibles and I'm surprised that none of their representatives told me that I was incorrect and did not have what I thought I had
Regards,
*** ***

February 26, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Garden State
Insurance Company Ms***,I’m writing in response to your letter dated February 19, I appreciate the opportunity to address Ms***’s concerns about her policy We have already addressed all of Ms***’s concerns about why her rate increased after she purchased the policy to the Department of Insurance on February 12, On December 27, 2015, we sent Ms*** a bill for $1,due January 12, We did not receive the payment. On January 15, 2016, we sent Ms*** a Cancel Notice letting her know we must receive a payment of $1,by February 3, 2016, to avoid cancellation of the policyWe did not receive the payment and the policy canceled. On February 4, 2016, Ms*** called and made a payment of $1,341.03, reinstating the policy with no lapse in coverage. On February 12, 2016, Ms*** contacted us via CHAT stating her bank returned her payment of $1,At that time, we had not received any notification from the bank that they were not honoring the paymentWe explained to Ms*** that we would reverse the payment once we received notice from her bank of the returned payment and advised her to make a replacement paymentMs*** then called our Relationship Center and we advised her she could make a replacement payment of $1,Ms*** asked if her policy would cancel if she only paid $1,We advised her if we received a returned payment from the bank, we would send her another Cancel Notice for the difference, but the policy would not just immediately cancelMs*** made a payment of $1,the same day.On February 17, 2016, Ms*** contacted us again via CHAT stating her $1,payment was not honored because we sent the initial $1,payment through a second timeWe explained to Ms*** that as a courtesy to our customers, we automatically present a payment to the bank twice if the bank does not honor payment the first timeThis is an automatic process and cannot be stopped once the transaction goes through.On February 18, 2016, we received notification from Ms***’s bank that they did not honor the $1,payment, and on February 24, 2016, we received notification they did not honor the $1,paymentWe have reversed both payments from the policy and assessed a $fee to the policy for the returned payment. There was no error made on our part; therefore, we will not reimburse Ms*** for any bank fees incurred for the two returned payments. If you have any questions, please call me at 1-440-620-6944. Sincerely, Rose S*Rose S*Consumer Relations Specialist

March 21, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Universal Insurance
CompanyMs***,I'm writing in reply to your email dated March 15, 2016.Ms***, I'm sorry for our error and for any inconvenience this caused youI've reviewed your policy and the error regarding your *** has been corrected.You are a valued customer and we aim to always provide outstanding customer serviceIf you have any questions, please call me at 1-440-395-3385.Sincerely,Sharon DS***Sharon DS***Consumer Relations Specialist

January 26, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive
Advance Insurance CompanyMs***, I’m writing in reply to your letter dated January 19, 2016. I’m sorry for any frustration or inconvenience this claim has caused Ms***Our investigation is ongoing and is still openWe have requested various documents and information throughout the investigationSome of this has been provided by Ms***, while some has notOn December 11, 2015, we advised Ms***’s attorney of information that we needed to help finalize the investigationWe have also requested an Examination Under Oath (EUO) via Ms***’s attorneyWe have attempted multiple times to set this interview up, but we have not heard back from her attorneyWe have currently requested January 27, 2016, for the EUO There are no times noted where it appears we failed to return any of Ms***’s contact attemptsWe have spoken with her throughout the claims investigation, and are now directing communication to her attorneyWe have provided Ms*** a rental up to the maximum of her policy limit of $during this investigation I am sorry for any inconvenience Ms*** has experiencedAt this time, the resolution of the investigation is pending the EUO If you have any questions, please call me at 1-816-489-4932. SincerelyTate S*Tate S*Claims Manager

*** *** *** *** ** *** *** * ***August 25, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou ***Re: File Number:*** Customer Name: Tangelina *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC
Number: *** Company Name: Progressive Universal Insurance CompanyMr***,I received your letter from August 16, I’m sorry that Ms*** feels we’ve mishandled her claimI’m glad to provide additional details about our investigation.On August 1, 2017, Ms*** reported a vandalism claim for damage done to the back window and lift gate of her BMW XIn taking Ms***’ statement, she said she was a victim of domestic violence and believed that a baseball bat caused the damageWe informed Ms*** that she carried Comprehensive coverage for the damage to her vehicle, subject to her $2,deductibleWe then obtained vehicle photos from Ms***, in support of the facts of loss she provided.On August 4, 2017, we inspected Ms***’ vehicle to complete a repair estimate and obtain additional photosThe damage identified isn’t consistent with another vehicle striking the BMW.On August 15, 2017, we obtained and reviewed the police report, confirming that Ms*** also reported this incident to the police as a vandalismI’ve enclosed a copy of the report for reference.The facts of loss support that it’s appropriate to resolve Ms***’ claim under the Comprehensive coverage of her policyI hope this information helps to understand the reasons for our decisionIf I can answer any questions, please call me at ***.Sincerely,Steve ***Claims Supervisor