Progressive Corporation

November 23, 2015Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: ***Customer Name: *** ***Claim Number: ***Policy Number: ***Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Mountain
Insurance Company*** ***,I'm writing in reply to your letter dated November 17, 2015.*** *** brought his *** *** *** to one of our service centers for repairs to thefront end after a deer collisionWhen he dropped off his vehicle he mentioned the issue withthe unknown noise and that the air conditioning wasn’t blowing cold air.The repair facility that looked into both of these issues didn’t find any impact or damage toany part of his air condition systemHowever, they did note that the Freon in his vehiclewas lowAs a courtesy to *** ***, we paid to have the system rechargedIn theprocess of recharging the system, the shop noted that his compressor was failingA failingcompressor is a common wear and tear item on vehicles with mileage like his (123,882) andin his case not related to the deer collision damages*** ***’s policy doesn’t coverwear and tear or mechanical failure.The repair facility diagnosed the noise that *** *** brought to our attentionTheydetermined his vehicle has an exhaust manifold leakAgain, there’s no impact or damage tothis part of his vehicleAs a courtesy to *** ***, we agreed to pay for half of thedamages to repair this partWe issued a $check in an attempt to resolve this issue.I'm sorry for *** *** frustrationWe reached out to him on November 17, 2015, toexplain his options, which includes him taking the vehicle to a mechanic of his choice for asecond opinion if he doesn’t agree with our assessment.If you have any questions, please call me at 1-***.Sincerely,Chris G***Chris G***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.This response is a repeat of the first responseThe solicitation sent to my FIANCÉ, not me, said very clearly that rates have gone down in Janesville WisconsinThey do not have any of the "contributing factor" info pertaining to my fiancéThey don't have her credit, she never has contacted Progressive nor given them any authority to pull her creditThey know nothing about her other than her addressMe Gwendolyn is merely talking in circles hoping I will go awayWell, I'm not going away until they address the actual problem at hand.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Gregory Langron

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 If Progressive does not want to cover uninsured motorist it should not offer this type of coverage or at the very least explain to their costumers what happens to them after they get hit by an uninsured motorist
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
Progressive telling me that if I had continuous coverage on my vehicle they could offer me a lower rate is really a load of crock, because I went with a difference insurance company and they quoted me a price half of what progressive was charging meIt makes no sense to me that having been a customer of Progressive since 2006, they could not have helped a customer in need during a time of distressI told them I had removed myself from an unhealthy living situation and that is why I got behind on my paymentsThey tell a customer of almost years that there's nothing they could do for meWell, Progressive will never get any of my money againYou have not resolved my complaintYour company is selfish and you do not know the meaning of true customer serviceNot to mention, your customer service reps are rude and asleep, not fully present, giving customer their undivided attention.
Regards,
*** ***

August 24,
Revdex.com Euclid Avenue, 4th FloorCleveland, OH Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive
Direct Insurance Company *** ***,I’m writing in response to your letter dated August 14, I appreciate the opportunity to address *** ***’s concerns about his recent claim.On July 7, 2015, *** *** reported this claim to us online, five days after the alleged event*** *** is claiming a variety of issues because of a poor experience with *** *** ***On July 23, 2015, *** *** sent us an email stating his vehicle was stolen for a day and taken over miles for a joyrideHe claims the key *** button is missing, the key is not working properly, the right front grill is missing, there are scratches on the hood and left side of the car, the left rear door handle is missing, the door is not working properly, the radio top lid is loose and the plastic interior front-door airbag signs are missingHe also claims the ABS, airbag, oil, light bulb, dashboard lights are now on, the vehicle makes a squeaky noise when slowing down, the back windshield wiper is not connecting properly and the car has a distinct valet smell*** *** is asking the interior be cleaned.We are currently handling this claim under *** ***’s Comprehensive coverage less his contractual $deductibleWe will attempt to pursue the valet company for reimbursement of these damages if we can prove all of these damages occurred while the vehicle was in their care, custody and controlTo date, *** *** has not filed a police report and advised he is waiting until he knows what all the damages areBased on recent conversations with *** ***’s counsel, they are not accepting responsibility for all the damages being claimed.It appears both *** *** and we have experienced delays in the repair process as a result of *** ***, the repair facility chosen by *** ***, which is not a part of our network*** *** acknowledged this in his communication with our managed repair representative and appreciated us keeping him updated, although those updates were not always positiveAt this point, it appears *** *** is giving *** ***’s vehicle repairs proper attention and we hope the repair process continues smoothlyI would encourage *** *** to report this incident to police, as many of the claimed items are being questioned as related to this eventWe will need a copy of the police report so we can assist in pursuing reimbursement for our payout and *** ***’s deductibleI’m sorry for the inconvenience *** *** experiencedIf you have any questions, please call me at 1-***Sincerely,Terry B***
Terry B***Claims Manager

June 9, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Casualty Insurance CompanyMs
***, I am writing in reply to your letter dated June 5, 2016. Ms*** brought her *** *** to our *** Service Center on May 23, 2016, for an estimate on damages stemming from a May 19, accidentWe provided her an estimate based on the observable damageWe sent a payment to her address for $615.51. On May 30, 2016, Ms*** returned to the *** Service Center and dropped her vehicle off for repairs, which the Service Center coordinated through a local body shopAt the time of drop off, Ms*** signed a repair authorization allowing the body shop to complete the collision repair work and she received a chesheet upon completion of the drop off processThis showed that no deductible was owed and no rental was owedHowever, it did not address anything other than deductible or rental. During the repairs, the body shop noted additional hidden damage for $and added that amount to the estimateThat brought the total repair cost to $We called Ms*** on June 1, 2016, to advise of the additional damage an of the estimate details. The repairs were completed on June 2, 2016, and we called Ms*** to schedule pickup of the vehicleDuring that call, we advised Ms*** that the amount of the original draft given to her for the vehicle repairs would be owed upon pickup. Ms*** arrived at our Service Center to pick up her vehicle and refused to pay the $615.51, which was given to her at the time of her original estimate. Ms*** originally indicated she had never received the draft for the cost of repairs from usIt was noted that the draft provided to Ms*** for $was endorsed by her and cleared her bank on June 1, 2016.Ms*** refused to provide payment for the cost of repairs, which were given to her on May 23, We instructed that until she could provide payment for the repair, we could not release her vehicle to herMs*** refused to pay and left in the rental vehicle, which we provided to her during the repair process. On June 7, 2016, Ms*** returned to the St*** Service Center, paid the amount of $615.51, and we released her vehicle to herShe reviewed the repair quality and the condition of her vehicle prior to leaving our Service Center. I’m sorry for any frustration Ms*** experiencedIf you have additional questions, please contact me at 1-314-656-4110.Sincerely,Timothy H***Timothy H***Community PD Manager

May 24, 2016Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC
Code: *** Company Name: Progressive Premier Insurance Company of Illinois Ms***,I am writing in reply to your inquiry dated May 13, Thank you for the opportunity to clarify the situation. On April 21, 2016, we received a call from Mrs*** for a quote on a Mitsubishi Montero SportOur representative did inform Mrs*** that her payment would be $Our representative did not review the exact coverages quoted. On April 26, 2016, we received a call from DeWayne who is with the dealership where Mrand Mrs*** purchased the Mitsubishi MonteroWith Mr***’s permission, DeWayne requested that we add the Mitsubishi Montero to the policyThe rate increase for the Mitsubishi Montero with the same coverages as their other vehicle came to $for the remainder of the policy periodIt also increased the current monthly payment to $The difference in the April 21, quote, and the addition of the vehicle on April 26, 2016, is most likely a difference with the coverages we quoted. The reason the ***’s balance was $is because we are required to cancel short rate when a customer requests cancellationShort rate means we charge a flat percentage based on the number of days a policy is activeBecause our representative neglected to review all coverages when she originally quoted the Mitsubishi Montero, I have made an accommodation to cancel the policy pro rateThe new balance owed is $4.54, which I have waived I am sorry for any frustration this may have causedIf you have any question, please call me at 1-440-620-6940. Sincerely, *** *** ***Consumer Relations Specialist

Please see the attached response

February 11, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive
Specialty Insurance CompanyMs***,I’m responding to your letter dated February 5, Thank you for the opportunity to clarify the situation.We’ve reviewed the statement provided to us by our customer, *** ***, and have inspected his vehicleIt is very clear from the inspection that the physical damage to the front of the *** is not vandalism damage as reported but collision damage that occurred while the car was moving. The rear damage to the glass is consistent with an act of vandalismBased on this evaluation, we are willing to open a second claim to handle the comprehensive damageOur initial estimate for the collision damage to the front end of the car is $1,593.87, and we will supplement that amount if additional repairs are discovered once the car is disassembled and in the repair process. Mr*** has been paid for the initial collision damage less his $1,deductibleWe offered to help him file a separate comprehensive claim for the rear end, but he declinedThis option continues to remain open to Mr***I have enclosed photographs of the damage to the *** for your reference. I’m sorry for any inconvenience this has caused Mr***If you have any questions, please call me at 1-727-423-5359. Sincerely,Tim M***Tim M***Claims Manager

Response attached, including documents for your review.Business response copied and pasted below by Revdex.com staff MT 1/23/17: January 23, 2017Revdex.com, IncEuclid Ave, 4th FloorCleveland, Ohio 44115-2408Attn: Melissa TrahanRe: File Number: ***Customer Name: *** ***
** *** ** *** *** *** ***Policy Number: ***Policy Type: Commercial LinesNAIC Number: ***Company Name: Progressive Casualty Insurance CompanyMsT***I’m writing in reply to your letter dated January 12, I appreciate the opportunity to clarify the situation.On November 4, 2016, we quoted MrW***’s policy twice at the rate of $12,871, but with each quote, we couldn’t obtain a valid motor vehicle report (MVR).On November 13, 2016, we sold the quote with an unverifiable driver surcharge at the rate of $28,013.On November 27, 2016, the agent, ***, called and provided us with valid driver informationWe ordered and received a valid MVRWe applied a credit of $122.On November 28, 2016, MrW*** called to cancel his policy, which we canceled days from the call date, as required when filings exist on a Commercial PolicyI reviewed SAFER and MrW***’s authority wasn’t revoked until January 10, 2017.I’m sorry for the frustration this causedIf you have any questions, please call me at***Sincerely,*** ** *** ** ***Commercial Resolution Specialist

December 7, 2016 Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto
NAIC Number: *** Company Name: Progressive Direct Insurance Company*** ***,I’m writing in reply to your email dated November 30, I’ve reviewed *** ***’s policy to address his concern about the discrepancy in the rateI found that when *** *** called us for a quote to add his father to the policy, we asked *** *** if his father had any accidents or traffic violations on his driving record*** *** responded that to his knowledge, he did not. When we submitted the change to add *** ***’s father, we ordered a motor vehicle report and discovered that his father had three at fault accidents on his driving recordThis caused the rate to increase.I’m sorry for any frustration the rate change has caused *** ***If you have any questions, please call me at 1-440-395-0314. Sincerely, Lisa F*Lisa F*onsumer Relations SpecialistEnclosure

February 9, 2016Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Advanced Insurance Company Ms***,I’m writing in reply to your follow up letter dated February 3, 2016.Mr***’s rebuttal presents no information that we have not already responded to both on the phone and in writing to him directly and in our first Revdex.com response Our response remains the sameThe facts of loss do not support the damage being claimed to the left front hub capIf they did, we would pay for themWe are unable to pay for damages that are unrelated to this accident as part of this lossIf Mr*** would like to file a second claim, we would be happy to handle it based on whatever facts of loss may be presented, but it may also involve another deductible. If you have any questions, please call me at 1-520-918-8674. SincerelyDavid S*David S*** Claims Manager

June 30, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Number: ***Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company
Name: Progressive Michigan Insurance Company Ms***,I’m writing in response to your letter dated June 23, I appreciate the opportunity to address Ms***’s concerns about the total loss of her Pontiac Grand Prix.We based the initial evaluation on a market search of comparable vehicles and an analysis of the overall condition of the vehicle at the time of inspectionThe overall condition rating was deemed as “fair”, and our initial valuation came back at $Ms*** disputed the value and requested a copy of the valuation report for review, which we providedMs*** advised us that she had additional parts/equipment on her vehicle and wanted to see if any additional value could be addedShe also did not agree with the condition ratingAfter additional research was completed, we were able to increase the actual cash value to $2,681.04, which Ms*** acceptedThe final payment will be $1,906.04, which includes a $deduction for Ms*** to retain the salvage vehicle and her $deductibleAt this point, we’ve resolved Ms***’s settlement dispute. I’m very sorry to hear that Ms***’s interaction with our claims representative was unpleasantWe appreciate this feedback and will address Ms***’s concerns with our representative to ensure this doesn’t happen again going forward. If you have any further questions, please call me at 1-734-456-9535. Sincerely, Kassia C***Kassia C***Claims Manager

April 20, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***
*** *** *** *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Max Insurance
CompanyMs***,I’m writing in reply to your letter dated *** 13, 2016.I’ve reviewed the emails Ms*** has forwarded to our office, as well as the loss facts documented in our claim fileMy review indicates that her vehicle sustained damage because of an accident with our customer on January 21, 2016. Our claims representative inspected her vehicle on February 1, 2016, and wrote an appraisal for $1,to return her vehicle to pre-loss conditionWe issued a draft to her for that amount that same dayWe subsequently issued a draft to *** Car rental for $to reimburse them for the rental Ms*** utilized while her vehicle was being repaired Upon receipt of additional correspondence from Ms*** that requested additional compensation for her property damage loss, we contacted *** ***, the repair facility she chose to repair her vehicle*** *** advised they repaired the vehicle and returned it to her in pre-loss condition based on the estimate we completed for $1,Based on our conversation with them, no additional damages were found during their repairs that required any additional payments We’ve advised Ms*** that if she felt any damages to her vehicle resulting from this loss weren’t repaired, we would be willing to re-inspect her vehicle, at her convenience, in order to review the repairs completed and determine if any damages related to this loss were not considered in our appraisal and prior paymentWe also advised that we would consider any documentation that she supplies in reference to any damages her vehicle sustained because of this loss that wasn’t considered in our appraisal and prior paymentWe’ve advised Ms*** that until we receive such documentation we would be unable to make any additional payments to her. I’m sorry for any frustration Ms*** has experiencedIf you have questions, please call me at 1-315-401-3430.Sincerely,Michael RB***Michael RB***NY Property Damage Process Leader

June
25,
RevDex.com, Inc
Euclid Ave, 4th
floor
Cleveland,
Ohio 44115-
Attn:
*** ***
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 June 18,
Our
claims representative, *** ***, completed an inspection of *** ***’s *** *** *** on June 16, *** ***
completed the inspection at
*** ***’s preferred repair facility, *** *** *** ***, in
*** *** *** ***After coming to an agreement with *** from
*** *** *** *** on an estimate sufficient to repair the
vehicle to pre-accident condition, *** *** called *** *** to
review the estimate*** *** disclosed the parts that were written,
as is required by *** *** *** *** *** *** voiced
his displeasure over there being an aftermarket, rear bumper cover
and like-kind-and-quality (used) right tail lamp on the estimateThe
only other replacement part written on the estimate was a $new OEM
right rear side-marker light
The
bumper cover is a *** *** *** *** ***
certified part that is supplied by *** *** ***The tail lamp
is a used part, supplied by *** *** ***, and would be off
a *** or newer model year *** ***This part is a used OEM
part
If
either of these parts were to arrive with a material defect, which we
do not anticipate, we would certainly address that issue with *** *** or his repair facilityAdditionally, we provide a written
lifetime guarantee for sheet metal and plastic body parts on its
estimate that reads:
The
replacement parts written on the estimate are intended to return your
vehicle to its pre-loss condition with proper installationAfter
repair, if any sheet metal or plastic body part included in the
estimate fails to return your vehicle to its pre-loss condition
(assuming proper installation), in terms of form, fit, finish,
durability or functionality, Progressive will arrange and pay for the
replacement of the part, to the extent not covered by a
manufacturer's or other warrantyThis service will be performed at
no cost to you (including associated repair and rental car costs)To
obtain service under this Guarantee, call Progressive at
1-800***.This Guarantee applies as long as you own or lease the
vehicleThis Guarantee is not transferable and terminates if you
sell or otherwise transfer your vehicle
We
provided this verbiage to *** *** on pages three and four of his
estimate
*** *** certainly retains the right to use new OEM replacement parts
at his expense; however, our estimate for repair is compliant with
the applicable insurance regulation and will return his vehicle to
pre-accident condition
We
appreciate the opportunity to clarify this situationIf you have any
questions, please call me at 1-***
Sincerely,
*** ***
Matt
D***
Claims
Manager
Enclosure

March 4, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Northern Insurance
CompanyMs***,I'm writing in reply to your email dated February 27, 2016.On February 24, 2016, Mrs*** and her husband started a policy through *** & *** Agency to be effective March 1, When customers start a new policy they are asked about occurrences on their driving record within the past three yearsWhen Mrs***'s policy was originally written, there were no occurrences disclosedWe later found two comprehensive claims for Mr*** on May 20, 2014, and March 26, These resulted in an increase in their rate of $196.Once payment is made to start a policy, we cannot stop the payment from being deducted from the customer's accountIf they choose to cancel the policy, as in this case, we will cancel it once it's in our systemWe do hold the funds to make sure they clear the bank before issuing a refundWe will refund Mrs***'s account that we withdrew from on March 7, 2016, for $We do not owe interest and will not be paying it on this amountI'm sorry for any confusion or inconvenience Mrs*** has experienced.We did not initiate the cancellation of this policyOn February 24, 2016, *** ***, from their agent's office called and requested to cancel this policy per the insured's request. If you have any questions, please call me at 1-440-395-3385.Sincerely,Sharon DS***Sharon DS***Consumer Relations SpecialistEnclosure

June 8, 2015Revdex.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 Select Insurance Company*** ***,I’m writing in reply to your follow up letter dated June 1, 2015.I’m sorry for any frustration this situation has caused *** *** and for any breakdown in communicationAs we previously advised, we attempted to speak with *** *** several times, but we were unsuccessful in speaking with him. If *** *** wants to make payment arrangements, he can contact *** *** *** at 1-866-***, and they will be happy to assist him with payment arrangements. If you have any questions, please call me at 1-440-***.Sincerely, *** *** ***Consumer Relations Specialist

June 18, 2015Revdex.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 Universal Insurance Company*** ***, I’m writing in reply to your letter dated June 11, 2015.I appreciate the opportunity to clarify the situation and I ‘m sorry for any confusion. I’ve reviewed this claimWe have in good faith, completed our investigation and found that this loss was not due to a collision with any object but was caused by mechanical failure*** ***’s policy with us does not cover a mechanical failure. I hope this information has helped explain our positionYou can call me with any questions at 1- ***.Sincerely,Thomas *C***Thomas *C***Claims Supervisor

Thats fine because I cant get itRevdex.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,
*** ***

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
Regards,
*** ***
I have given them all the info asked forThey stated emails of the info would be fine now they are going back on the word asking for hard copiesWe have given them all the info needed for investigation now they are giving me the run around I have tried to contact my claims rep multiple times again with no return callM y vehicle is become hazardous to drive now and it causing alot of damage to myselfThis needs to be handled iAsap we are going on almost 60day!!!!!!!!!!!!! Crazy! They are completely un orgainized! Please help me resolve this Revdex.com!