Progressive Corporation

November 28, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance
CompanyMs***I’m writing in reply to your letter dated November 19, Thank you for the opportunity to clarify this situation.The reason for our delay in handling this claim is that we had not finalized liability as there were four vehicles involved in this accidentWe were able to confirm the facts surrounding the accident with our customer, *** ***, and Ms***The third and fourth drivers' identities were unknown until receipt of the Lexington *** Police ReportUpon receipt, we attempted to contact both parties to complete the liability investigation At this time, coverage and liability are in order under our customer's policyWe've contacted Ms*** to make arrangements for an inspection of her vehicleAs there are four vehicles that were damaged in this accident, it will be critical that we rule out any opportunity for the damages to be determined to be an excess of our policy limitsI'm sorry for any inconvenience Ms*** has experienced.Please call me with any questions at 1-513-878-Sincerely,Debra B***Debra B***Claims Manager

August 9, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** ***Policy Number: ***Policy Type: Personal AutoNAIC Number: ***-*** Company Name: Progressive Select Insurance CompanyMs
***, I’m writing in reply to your letter dated August 9, We appreciate the opportunity to clarify the situation.Based on the information provided by Mr*** in his correspondence, I’ve canceled his policy effective July 23, 2016. I’m sorry for any frustration Mr*** experienced, it wasn’t our intention.If you have any questions, please call me at 1-440-620-6941.Sincerely,Eva D***Eva D***Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - LST)***June 6, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou T*** Re: File Number: *** Customer Name: Christian *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Southeastern Insurance Company Mr***,I received your follow up letter from May 30, Thank you for providing the proof of insurance from *** *** for Mr***I’m sorry for referring to the incorrect carrier name in my prior response. I’ve updated Mr***’s policy to reflect it as canceled effective February 20, 2017, at his requestThis changes the amount of the balance owed to $105.68. If there’s anything else I can do to help, please call me at ***. Sincerely, Anna O***Consumer Relations Specialist

October 18, Revdex.com Euclid Avenue, 4th Floor Cleveland, OH 44115-Attn: Lou Tekavcic Re: File Number: *** Customer
Name: *** *** Policy Number: *** *** *** *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance Company MrT*** I’m responding to your letter dated October 11, Thank you for forwarding MsE***’s concerns about her policy I’ve reviewed both of MsE***’s policy histories and because there have been many events/changes, I can see why this is probably a confusing situation MsE***’s prior policy (***, cancelled for non-payment on June 15, The policy was for a Ford Focus and carried the proper coverage for a leased vehicle After the policy cancelled, MsE*** went on line on June 16, 2017, and purchased another policy for the same vehicleThe policy rate for this new policy was cheaper because it provided very limited coverageWhen MsE*** called us on October 9, 2017, we reviewed the policy with her and provided proper council on the coverage changes needed to meet her need for her leased vehicleWith her authorization, we made the appropriate changesWe also noted that when she purchased this policy, she coded her prior insurance history incorrectly, so we made the correction, which provided a cheaper rate I can see, given the many recent policy events, how MsE*** could have many different prices and monthly payments for recollection and I’m sorry for the frustration this has causedWe are available 24/to provide counseling for her insurance needsShe can call us anytime at *** Another option, MsE*** may want to consider, is the resource of a neighborhood, independent, authorized Progressive insurance agentIf she’d like to call me I can provide a listing of our available agents in her zip code/areaSometimes a face to face experience is the better option and makes our customers feel more comfortable with their insurance experience I’m happy to help in any way I canIf MsE*** has any additional questions, or would like information for our authorized insurance agents in her area, please have her contact me at *** Sincerely, *** *** Nancy A*** Consumer Relations Specialist

*** *** *** *** ** *** *** * ***September 1, 2017Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou *** Re: File Number: *** Customer Name: Tiffany *** Policy Number: *** Policy Type:
Personal Auto NAIC Code: *** Company Name: Progressive Premier Insurance Company of Illinois Mr***,I’m writing in reply to your inquiry dated August 28, As a consumer myself, I understand that what we pay for insurance is importantI’m happy to review Ms*** policy and explain why she has a balance. Ms*** policy term dates were from December 16, 2016, until June 16, Prior to Ms*** adding coverages to her vehicle she was paying $a month. On April 16, 2017, Ms*** requested to add Collision and Other Than Collision coverage to her policy, which caused a rate increase of $Because there were only two payments left on her policy term, April, and May, we broke up the $over last two paymentsI know billing can be confusing, so I’ve included a summary for Ms***’s last two bills $(endorsement) ÷ (remaining payments) = $56$Original April Payment$Half of endorsement owed$April payment due$April payment made$ Balance owed on April Payment$Original June Payment $Half of endorsement owed$ Prior balance owed$ June payment dueUnfortunately, we didn’t receive Ms***’s June payment, so there’s a balance owed of $Ms***’s policy expired on June 16, 2017.Ms*** also mentioned a 15-day grace period, which she’s correct aboutNorth Carolina does allow days to make payment without a lapse in coverageWhile there’s a grace period, we do have to report cancellations/expirations when they occur, and then if she makes payment within the days, we let the state know that there’s no lapse in coverage. I know this isn’t the reply Ms*** was hoping for, and I’m sorry for any confusion. Ms*** can call us at *** to make paymentIf you have any questions, please feel free to call me at 440-620-6940.Sincerely, Jeff ***Jeff ***Consumer Relations Specialist

November 19, 2015Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***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 letter dated November 14, 2015.I understand *** ***’s frustration and concern regarding the calls he has receivedI would be happy to look into this further, but I will need additional informationIn order to research this I will need the number *** *** received the calls at, and the exact date and approximate time of the calls. If you have any questions, please call me at 1-***.Sincerely, Janeen H***Janeen H***Consumer Relations Specialist

Not sure if they think I wasn't in the turn lane but I wasI had complete control of my lane when their driver pulled out of his lane and hit me because he was too impatient to wait behind the people who were in front of himLike I told them he had about 2-cars in front of him while my lane was openHe hit me so far down the lane that when I stopped after getting hit I had already crossed the line into the intersection itself, even though I was slowed down in preparation for my turn

Consumer Relations Department Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] February 1, Revdex.com Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: Aisha
*** Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Mountain Insurance Company Ms***, I'm writing in reply to your letter dated January 24, 2016. Based on our investigation, we determined both drivers are percent responsible for the lossOur customer informed us that he had his door open to the traffic side of the road and Ms*** struck it as she proceeded by on the streetMs*** advised us that she didn’t see the door open and explained that someone opened it into her vehicle as she passedWe reviewed the police report, statements from both parties, reviewed the street to understand the scene, and inspected Ms***’s vehicleWe haven’t been able to inspect our customer’s vehicle. We contacted Ms*** to explain the rational for claim resolutionThere’s a dispute on the position of the door prior to impactIn this case, with the information we have, we aren’t able to determine the correct versionBased on the police report, the impact to Ms***’s vehicle and our customer’s statement, we determined that the door was openThe police report narrative clearly states that Ms*** didn’t recognize what she struck until she stopped to look back. Although our customer had his vehicle door open to moving traffic, Ms*** is responsible for proper lookout and taking action to avoid the accidentTherefore, we found Ms*** percent at fault for the lossMs*** advised us that she doesn’t agree with our decision and will pursue her damages with the aid of legal representation. I'm sorry for any inconvenience Ms***’s experiencedIf you have any questions, please call me at 1-440-910-3134. Sincerely, Sarah B*** Sarah B*** Claims Manager

April 13, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal AutoNAIC Number: ***Company
Name: Progressive *** Insurance CompanyMs***,I’m writing in reply to your email dated April 6, 2106. We have completed an accurate estimate of damages on the vehicle in the above mentioned lossWe will not speculate as to additional damages, but will secure an agreed price at the shop of Mr***’s choice and issue a payment in that amountIn addition, we will also compensate Mr*** for any loss of use At this time, we ask that Mr*** chose a shop so we can make arrangements to secure an agreed priceIt is Mr***’s choice as to whether he repairs the vehicle or not I’m sorry for any confusion in this matter has causedIf you have any questions, please call me at 1-479-790- Sincerely,Shaun D***Shaun D*** 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.Please find the attached
Regards,
*** ***

(The following was copy/paste by Revdex.com staff - LST)***June 7, 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 Insurance CompanyMrT***,I’m writing in reply to your letter dated May 28, 2017, regarding John ***We appreciate the opportunity to explain the handling of this claim.This loss took place at the intersection of Cherry and 39th Street in Milwaukee, WisconsinMr*** was traveling east on Cherry Street and the other vehicle, being driven by Loleta ***, was north on 39th StreetCherry has a stop sign and 39th Street does not. Mr*** stopped at the stop sign and pulled forward striking the other vehicleMr*** approximates the other vehicle was going miles per hour, and a witness he provided also estimated the other vehicle was going between to miles per hourMs*** reported that she was traveling less than the speed limit at the timeThe speed limit on 39th Street is miles per hour. The police responded hours after the accident took place and issued no citations We completed our investigation, and while both drivers in the accident shared in the responsibility of causing the accident, we determined that Mr*** was the majority at fault for the accidentWe do feel Ms*** shared greatly in causing the accident, but we found Mr*** to be the proximate cause of the accident Though the other driver may have been speeding, Mr*** had the stop sign and greater duty to yield the right of way to the other vehicle who didn’t have a traffic control. In this fact pattern, we don’t believe the alleged speed of Ms*** forfeits her right of wayBoth drivers also report that there was a parked vehicle obstructing their viewThis requires both drivers to proceed with even greater cautionThe fact that the other driver doesn’t have insurance and has an expired license plate, does not negate the rules of the road. In Mr***’s initial statement to us, he confirmed there were two people in the other vehicleHis passenger also confirmed there were two people in the other vehicleMr*** provided us a witness, which also stated there were two people in the vehicle. The police didn’t show up to the scene until four to five hours after the accidentWe contacted the police officer who wrote the reportHe stated that the other driver didn’t mention there was a passenger in her vehicle, but by the time he arrived she was no longer at the scene and had to walk back to talk to himThough the passenger isn’t listed on the report, we confirmed the existence of the passenger and settled her injury claim. Mr*** is requesting we return the money he has paid for his policy and asking that we refuse to cover the damages to the other partiesI'm sorry that Mr*** doesn't agree, but he's legally responsible for the injuries and physical damages caused, and we’re obligated to pay their claimsHe was legally exposed due to his actions in this motor vehicle accident, and we needed to extinguish those exposures to protect him. Also, we're unable to return the money he paid for his policy, as we provided coverage to him I’m sorry we don’t have a more favorable answer for Mr***We appreciate the time he was insured with us. If you have any additional questions, please contact me at ***. Sincerely, Ashley K***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
Progressive's response does not resolve my issue; in fact, it only confirms my complaintProgressive insists on the fact that I was at fault for the accident and I 100% do not agree, nor should I be faulted with it on paperI did not need Progressive to recap the scenario as I've heard it all before when the "closed" the claim investigation. There were witness on site but I didn’t go through the process of collecting information, perhaps my biggest mistake in all thisAfter the accident, I had two crying babies, a freaked out dog, and a wife that was shaking from fearCorina had admitted to us that she didn't see the light red or green so I thought this was a "no questions asked" type of dealI did not think I would need witnesses at the time because she had owned up to the mistakeHad I known Corina was going to turn around and lie about it, sure I would have dragged my crying family through the grueling process of trying to find witnesses to validate my claimNext, I get that Progressive can't choose to believe one person or the other which is fine (it's terrible of Corina but that's on her conscience, not Progressive's)My problem with Progressive is that because someone is lying, they throw out the ONLY factor that can determine true “at fault.” If you know someone is lying on the ONLY determining factor, you can't just pick someone to pin it on based on other ARBITRARY factorsOtherwise you run the risk of pinning the accident on the person not truly at fault, which is the case nowI was driving defensively and took evasive action and am getting punished for not having superhuman reflexes (I played college basketball in the NCAA so I know my reflexes and peripheral vision are above par). This investigation is flawedThe claim process is asking both parties to draw on memory to pick up tiny details that we're not equipped to addressFor example, Progressive wants to use speed limit to pin me for the accident (again this is not a deciding factor since she was in the intersection illegally to begin with)I didn't check my speedometer before hitting Corina so they're asking me to GUESS at what my speed isIt could have been 35, it could have been 30, and it could have been In the heat of the moment, who really knows? In busy areas, it always seems faster than you're really travelingWhen I asked my wife to recap what happened to me (after I had already spoken with Progressive), she thought I was going much slower than I can also say I’ve never had a speeding ticket as I’m not someone to typically drive above the posted speed limitAsking someone to guess on their speed limit, is all relative to the person and the environmentCertainly Corina was just guessing as wellIn fact, the speed limit on Keeaumoku is 30mph; had she been driving the speed limit, she would have cleared the intersection and the accident would have been avoidedThis is the same logic that Progessive is using to pin the accident on meIn recap, if you can’t determine who was at fault because someone is lying, then mark the claim as undetermined and don’t tag either individual with the accidentThis is straight wrong and Progressive’s coin flip is pinning the accident on the wrong policyPeriod
Regards,
*** ***

Revdex.com:
I cannot open the DOC file and read what it says, but a progressive agent reached out to me and told me that it was a mistake that in Texas I do not have to pay a cancel feebut I cannot open the doc file to reviewe the response made by the business
Regards,
Salvador ***

August 16, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** ***Policy Number: *** NAIC Number: *** Company Name: Progressive Select Insurance CompanyMs***, I’m writing in reply to Mr***’s rebuttal to my response dated July 28, 2016.Mr*** purchased the policy using our online siteThe information on the Application was input by Mr***As you can see by looking at the address information on the Application, Mr*** entered an address of:*** *** *** *** ** ***On May 9, 2016, the zip code was corrected to reflect: ***, which is the correct zip code for address: *** 1st *** *** **.If you have any questions, please call me at 1-440-620-6941.Sincerely,Eva D***Eva D***Consumer Relations Specialist

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,
*** ***

(The following was copy/paste by Revdex.com staff - ***)***July 18, 2017Revdex.comEuclid Ave., 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number:
*** Company Name: Progressive Northwestern Insurance Company*** ***,I'm writing in reply to your email dated July 11, 2017.I sorry that *** *** doesn’t agree with our decisionI know this is frustrating for him, and I’m sorry.We’ve inspected his Ford Fand have determined that it’s repairableIt’s currently waiting for repairs at *** *** ***, a qualified Ford repair facility On June 19, 2017, *** *** reported a claim for damages after a tree was blown over and fell on his truckWe inspected the vehicle at the loss location and determined that the vehicle was not a total lossMr*** moved the vehicle to *** *** ***, where it was prepared for an additional inspectionOn July 3, 2017, we dispatched an estimator to the facility, and supplement damage was added to our estimated cost of repairThe total estimate of repairs was agreed to be $12,256.80, and the fair market value was determined to be $19,496.24.The repair for damages are currently at 62.87% of the fair market value of his vehicleThis is before sales tax on parts or materials is removed from the estimateFurthermore, he has chosen to take his vehicle to a Ford Dealer who is equipped to perform the repairs necessary to restore his Ford F-back to its pre-loss condition I’m sorry that *** *** is displeased with this outcome and for any inconvenience he’s experiencedHis truck is repairable and his chosen repair facility is ready to begin repairs.Please call me with any questions at ***.Sincerely,Curtis G***Catastrophe Manager

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,
*** ***
According to the information I supplied during my application, I never indicated a multi-policy information and I never indicated that I completed an advanced defensive driver training as claimed by themWhat I included was in response to a completion of a "defensive driver refresher course within the past years." I even explained to them that I recently had my driver defensive refresher training from the *** *** organizationMy employee number is ***. I really do not understand why in the first place they claimed to change my policy for a multi-policy that was not justifiableLet them please explain to you what particular information in my application that specifies multi-policy holdingMay be they don't understand the meaning of the prefix "multi." It's a pity or they are just finding ways to exploit immigrants? Within the same month, they effect another change in respect of an 'advanced defensive driver training.' Are these people really educated? What do they mean by "advanced?" Did I sign for anything like that, they must be stupidHow on earth someone bought a product or service on line and the total cost was based upon information supplied at that moment, and no statement indicated that within such and such period if you don't provide us with such and such document, then we will effect changes on your policy on the first monthThen after paying for a six months policy in full, how can a late payment of $be charged against such a customer? They might be drunk and stupidThis is the way business companies like Progressive destroy people's credit or image in this countryThis act is even worst than a terrorist actThe reason I said this is that, progressive has being a caused to millions of deaths in this United StatesThat is, exploiting customers to a degree that they cannot afford money to buy food because of their exorbitant hidden claims on their policies.I will mail or email a copy of the information I supplied in my applicationThey never provided such an information
to you for referenceI am even ready to go on television and on radio, social media to prove my caseI am as well ready to take a legal action against the company in order to interpret business ethics to them.I thank and appreciate your effort.*** ** ***

April 15, Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Direct Insurance CompanyMs
***,I’m writing in reply to your email dated April 6, We cancelled Ms***’s policy effective March 24, 2016, as she requestedWe did bill her for a $Returned Payment Fee; however, we have since waived this feeShe no longer owes a balance as her policy is paid in fullWe increased Ms***’s policy at the March 24, 2016, renewal period because we removed the E-sign Discount, in addition to an overall rate change that we implementedWe strive to create positive customer experiences with every interaction and I’m sorry if we upset Ms***If you have any questions, call me at 1-440-395-Sincerely,Lisa F*Lisa F*onsumer Relations Specialist

---------- Forwarded message ----------From: *** ***Date: Tue, Dec 20, at 4:PMSubject: Re: progressive autoTo* *** *** Hello ***, I just left you a messageGood news, I just spoke to Miss C*** from progressive,and she agreed that there was a mis-understandingregarding the rep's infoShe has rescinded the $and will send a letter to that effectThank you for your help I Hope you and your family havea great holiday. ***

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
The application was filled out online I do not recall that the application stated that I must list everyone that lives in the house because if it did I would have listed all of my children I remember the application asked how many people lived in the house I put that did I did not lie and falsify any statements and that is the reason they cancelled my insuranceI have read their policy it states that if you knowingly lie or falsify any information that they can take the policy away after that time but they took the policy away and tried saying that I was never insured at any time with them and that was a statement They also sent a letter to me basically saying that I lied about my policy and did not add my son to it on purpose so that's why they cancelled the policy and that was also The reason I did not add my son was because I usually drive him to work and school so since he doesn't drive the car I didn't need to add him I'm not saying that I didn't sign the policy because I did I just don't recall them ever asking me to list everyone that lives in the house , I don't know if there was a computer glitch or something but that page was never seen by me I know that if I saw that page I would have listed all of my children since they are all years or older I just think this is a company trying to find a loophole so that they don't have to cover a claim and that's sadThis is the reason you get insurance but if you use it they try to find a way not to cover your claim I just want your help so that other people don't have to go through what I am going through They didn't mind taking my money by now since I filed a claim they want to sweep me under a rug and act like I was never insured in the first place and that is wrong I got the policy in April and had the accident in June but they cancelled the insurance in the middle of June based on an investigation which consisted of just speaking to me once and speaking to my son once I don't understand how that is considered an investigation and how it justifies them to cancel my insurance from April I also spoke with the supervisor and the things she said my son said were not true when I confronted her and tried to resolve the issue with her she stated that she believed what her agent said and not what I was saying and that's where the decision came from she was not willing to come with a better solution to resolve the issue
Regards,
*** * ***