Progressive Corporation

---------- Forwarded message ----------From: Date: Tue, Dec 6, at 6:PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint #***.To: [email protected] has allowed me to go ahead and have the car repaired No further action is needed Thank you

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,
*** ***
I would and do whYes you may keep it public on Revdex.com report and I would like this matter to be solved because they are the one that cancelled my insurance and cut me off within weeks I started it

(The following was copy/paste by Revdex.com staff - LST)***June 13, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou ***Re: File Number: *** Customer Name: Judy *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name:
Progressive Direct Insurance CompanyMr***,I’m responding to your letter dated June 7, I’m sorry for any misunderstanding that may have occurred when we shared Ms***’s settlement information with her for the total loss of her Chevrolet Colbalt, on May 17, 2017.I’ve enclosed a copy of the settlement sheet for your review and a copy of our payment for $5,Our payment considers an Actual Cash Value/Market Value of her vehicle of $5,976.11, less her $Collision deductible. If you have any questions, please call me at ***.Sincerely,Matt ***Claims 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.I can see at this point that Progressive is not concerned with customer service or how they treat potential customers. I still feel that this was in no way my fault as it could not have been I was sitting stopped at the stop sign and it all happened behind me, how can I be responsible was your rear ended. We have covered this already in earlier letters to Progressive and they choose to ignore that their client was going way to fast for the conditions which were dry, had he stopped at least a car length from my car he would not have hit me, also if he would have had his foot on the break he would not have hit the back end of my car. Again he can say he did not say anything to the third car involved behind him but that is a flat out lie, he told her to leave the scene as he had no damage (that he cared about with the condition of his car) and she had no damage to hers again that she would care about. Also again I received no personal response from anyone higher in the company that I sent a personal letter to, they chose to have the letter sent on behalf of someone else, where is customer service these days? I hope this response goes on your website for the Revdex.com so other potential customers can see how difficult they are to deal with
Regards,
*** ***

(The following was copy/pasted by Revdex.com staff - LST)***Monday, May 1, 2017TIME-SENSITIVEPersonal ATTN: MrLou ***, Trade AssistantRevdex.com Serving Greater ClevelandEuclid Avenue 4th Floor (you might want to jump after you read all this)Cleveland, OH [email protected] / 800.233.0361FAX 216.861.6363 RE: File Number: *** Customer Name: Terry *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Advanced Insurance CompanyComplaint ID # ***.Re: Lou, the more I learn about how this Progressive claim was handled the more it "stinks on ice..."HOWDY MR*** !I am writing in response to your undated *notice which, for the record, I received on April 28, 2017. First, thank you, Sir, for the courtesy of your prompt acknowledge-ment of my Revdex.com complaint against "Progressive Advanced Insurance Company's" claims division.And, yes, I duly realize that Progressive's corporate headquarters in Mayfield is less than miles from your Revdex.com location there on Euclid Ave However, though Progressive represents nearly $billion in annual revenue to that area, I fully expect a fair, prompt, & just review from your Revdex.com--and all other appropriate jurisdictions & interested authorities--on my claims complaint.With no disrespect to Progressive's Van *** and givin' the young fellow the benefit of the doubt, Brian is, at the very least, both greatly mistaken and obviously grossly misinformed.Over months ago now, on a night late in February [if my memory serves, Sunday the 26th, I believe] I was driving my diesel pickup truck down the road when I ran over a dark wooden palette in the middle of the dark highway That darn dark palette disabled my truck and caused it significant & serious damage. Though our cellphone service is often quite irregular & spotty here in Mohave County, AZ, I was able to finally contact Progressive's claim service, who eventually dispatched a tow truck; i.e., *** *** *** [Lou, remember that name, for you'll soon hear it again...] Kindly note, Sir, that I had nothing to do with the selection of the towing company [I do not know, though perhaps you could please find out for me, if that particular towing service is in Progressive's "affiliate network" for towing services I've asked Progressive, but no response Lou, I never heard of *** ***, though I was once long ago also in the towing business here, but in southern Arizona.A tow truck from *** *** *** finally showed up and towed my disabled diesel truck to none other than *** *** [yes, AUTOMOTIVE, not diesel truck] Repair, whom I'd also never heard of before [And yes, *** *** just happens to have the same phone number as *** *** Repair...how convenient & cozy...Lou, you can draw your own conclusions on that...] I was never asked, nor did I ever state, to where I wanted my disabled truck towed I presume that was all between Progressive & *** [or ***] I also assumed that Progressive had made arrangements to have my disabled truck towed to an approved, affiliated, appropriate diesel repair shop that could repair the extensive drivetrain; exhaust; suspension; etcdamage to my diesel truck Lou, *** *** was not and is not in Progressive's "affiliate network", though one of Progressive's affiliated shops is just a mile or two down from *** [Twice, I've asked Progressive for clarification of their criteria for "network affiliation," but have yet to receive a responsive reply...I think they're stonewalling me]. I've also come to find out from the horse's mouth that *** *** is primarily a body shop that also sometimes does light mechanical work, mostly on passenger cars In fact, that very same most reliable source also told me that most of Progressive's network affiliates in our area here in northern Arizona are primarily body shops Lou, I am formerly a general manager here in Arizona--of a national company--responsible for a literal fleet of diesel trucks--including their respective maintenance.The maintenance & repair of a heavy duty-diesel engine; -transmission, -suspension; -exhaust system, etcare NOT for fender-bender sheet metal pounders Moreover, *** *** had my truck for about a full MONTH ! [Maybe they were studying up for diesel repair certification,eh Lou?...]I told Progressive that to me the damage looked like they should simply total my truck But because it was supposedly $away from being totaled, Progressive had *** *** work on my truckHUGE MISTAKE ! [As irony would have it, though *** *** is primarily for superficial body repair, they never repaired my truck body damage; e.g., the damaged front underside air deflector was broken and then they removed it, but they never replaced it]. From when I first got my truck back from *** *** "Repair," I told them that it wasn't running right; something was wrong with it.Because I'd took issue with *** ***'s work and questionable "expertise" regarding "repairing" diesel truck drive trains, etc., they told me that this here ol' cowboy ain't no longer welcome on their property Apparently, I've now got a warranty with an unauthorized, unqualified, non-affiliated automotive body repair shop! Lou, now ain't THAT a fine kettle a fish ! Lou, as I see it, like one of our local Mohave rattlesnakes, *** *** was prowling the dark AZ highways late that night; found some "roadkill"--namely, my disabled truck--dragged it back to their body shop; and saw it as a chance to make some big repair money--JACKPOT !-- and maybe make rent or payroll for that month...which is how long they had my truck tied up.Long story, short: a few weeks & a few miles after that, my truck engine overheated and blew up one dark AZ night, stranding me & my girlfriend's teenage daughter in the middle of this rattlesnake-infested High Sonoran DesertHOME SWEET HOME !Progressive's claims rep [not Mike, the liar & cheat] admitted to me that he really wasn't conversant with diesel engines, etc.So, I discussed this catastrophic failure with a diesel mechanic expert, who says that *** ***...oops, I mean *** *** Repairapparently didn't follow the coolant purging protocol required for this particular engine & drivetrain and/or also failed to repair, or themselves crimped, the coolant lines during the engine "repair." With that circumstance, the diesel engine failure was inevitable.When Progressive could have and should have, at the very least, towed my truck to an affiliated repair shop qualified & certified to repair my heavy-duty diesel truck; instead they had my truck towed to a non-affiliated automotive body repair shop.Now, Progressive wants me to pay *** to analyze the engine and say what went wrong.In other words, Progressive is expecting me to now pay for the "autopsy" of my dead horse [ma truck]...and that "autopsy" is to be performed by the local body shop that killed ma horse in the first place Heck, *** is probably as qualified to perform an autopsy on a dead horse as they are to work on a diesel truck..."Yep, this here horse is still dead, but we didn't kill him, because we ain't no longer got the money we’d got to make him better in the first place…before we killed him..."During this entire 2+month ordeal, Progressive's claims adjuster Mike lied to me on more than one occasion and also tried to cheat me into paying something that PROGRESSIVE owed I ain't talkin' with him no more; I’ve made a lifetime practice of not dealin’ with no liars & cheats.Lou, I also genuinely feel, because I live in a remote area of Arizona--and perhaps maybe because I'm a senior citizen--Progressive certainly hasn't given me the "fast, fair claims service" they advertise.In their annual report, Progressive "embraces the theme of transition." Based on my misfortunate experience with their claim service, I suggest, for 2017, that Progressive "transition" to embracing "integrity" in their claim service. Now THAT would be a novel and welcome change.In conclusion, in your notice to me you mention that my rebuttal, or parts thereof, might "be publicly posted on the Revdex.com web site." Lou, I respectfully request that you please do, in fact, publicly post this rebuttal on your website, etc., so that unsuspecting consumers, who are beguiled & misled by Progressive's slick extensive marketing campaigns, will be forewarned what a shyster outfit "Progressive Advanced Insurance Company" apparently really is And thank you, Lou, for that public service to--& for--America's consumers, especially us seniors !Happy Trails to you, Lou,Sincerely,MrTerry J*** *** *** ***
*** * *** ***
***
***P.Sbtw: Lou, what, please is your direct contact telephone # AND email address? [And btw: is you middle initial "S"?]*Lou, request for clarification, please: is my "day" response time limit to your notice = calendar days?; or days from my receipt of the notice? Or business days? Do weekends and/or nationally-recognized or US Postal Service holiday(s) count? Please clarify ASAPThank you, Lou.Lou, I’ve been asked for any & all Revdex.com history of complaints against Progressive claims…especially from seniors… can you please send, Lou?… thanks…FLASH: Lou, I just received a huge premium increase from Progressive They better not be penalizing ME for an accident that was no-fault of my own…--------------------------------------------------------------------------...⇄ from Revdex.com on Euclid Aveto Progressive Hdqtrsin Mayfield “Village”min (mi) via I-E

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

October 31, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: ***Customer Name: *** ***Policy Number: ***Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Select Insurance CompanyMs***,I’m writing in reply to your email on October 24, I appreciate the opportunityto address Mr***’s concerns and clarify the situation.Mr*** indicated that he received itemized dollar amounts from MsJ***Hereceived these documents because each time we process and pay medical bills onhis behalf, the law requires us to provide him with an Explanation of Benefits.None of the questions asked as part of the handling of his claim were illegal orinappropriate.As it appears that Mr*** concluded treatment, we’ve closed the claimWe’llrespect his request for no further contact.If you have any questions, please call me at 1-407-618-8676.Sincerely,Luisa H***Luisa H***Claims 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
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,
*** * ***

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
My complaint was not even addressed*** have reported the collection account to the credit bureau and sent me a letter stating I can clear up the creditreport with a payment of $I called *** to make this payment because my Progressive agent cannot take a payment on a Progressive Direct accountWhen I started to make the payment, I was informed by the person at *** that I would need to pay $to actually clear up the credit bureau reportMy complaint is that I was given a written guarantee by the collection agency hired by Progressive and they are not willing to abide by this written promise.We are now at an empass, I will not pay more than the $settlement as promised and the negative report be removedIf the negative report was never actually going to be removed then we will just agree to disagree but my faith in Progressive as my auto insurance has been compromisedMy renewal date will be in approximately days, I have little plans to continue with Progressive at this pointIf you cant trust a written contract issued by your insurancecompany and/or their agent then I prefer to take my business to a company I can trust
Regards,
*** ***

October 16, 2017 Revdex.com, IncEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number:
*** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Advanced Insurance Company Mr*** I’m writing in reply to your letter dated October 9, Thank you for allowing me the opportunity to respond to MrP***s concernsI’m sorry for the frustration this caused MrP***s in his attempt to get an answer to his question. The rate increase is due to change in our rating planWe regularly review our rates, and at times, we do find it necessary to increase our rates, based on our cost of doing business in the stateWhen cost decrease, we also like to pass those savings on to our customers in the form of a lower rate. In reviewing MrP***s policy, the policy canceled on October 12, 2017, due to nonpayment, leaving a balance due of $89.79, for the period his policy was active with us. We regret losing MrP***s as a valued customer and hope he understandsI’m sorry for us giving him a reason to mistrust usWe hope that he’ll choose us again in the future for his insurance needsIf you have any questions, please call me at *** Sincerely, *** *** *** ***Consumer Relations Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12080595, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
As above, their response was simply a copy of the itemized sheet I already have I must compliment Tomika B*** on her math skills The amount she continues to offer is EXACTLY the same amount of the car loan Yet she continues to call it the appraisal that she got from * * *** *** *** We continue to be in disagreement over this matter I realize that the Revdex.com serves only as a mediator and does not offer solutions Thank you for your time My suggestion for resolve was stated after my initial complaint At this point, I think the best thing is just to let the public know what the Progressive Insurance company is all about It is NOT about their customer nor any recipient of a claim It is only about stalling to keep from doing what is right morally and ethically Incidentally, I noticed that Progressive insurance is NOT accredited by the Revdex.com!

(*** *** *** *** ** *** *** * ***
***June 15, 2017Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115 Attn: *** ***Re: File Number: *** Customer Name: Derek *** Policy Number: *** Policy Type: Personal Auto NAIC Number:
*** Company Name: Progressive Universal Insurance CompanyMr***I’m writing in reply to your email dated June 8, I’ve reviewed Mr*** policy to explain why he has a balance due after cancel.We issued a bill to Mr*** on March 15, 2017, for $227.50, due by March 31, We also sent him an email advising of the billWe didn’t receive a payment, and issued a Cancel Notice and email on April 4, These notifications advised him to make a payment of $by April 4, 2017, to avoid cancellation of his policyWe received his payment on April 11, 2017. On April 14, 2017, we issued his bill for $due by April 30, This was to be the last payment due on his policy period expiring on May 16, We haven’t received this payment. Mr*** requested to cancel his policy effective May 12, Because we never received his April payment, he has a balance due after cancel of $237.50, for coverage we provided up to the cancel dateCopies of the emails, bills, and the Cancel Notice are attached. To avoid having this balance referred for collections, he can call us anytime at800-888-to make the paymentI’m sorry for the confusion Mr*** has experienced about his billing.Please call me with any questions at ***Sincerely,Sharon D***Consumer Relations Specialist

August 5, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Policy Number: *** Claim Number: *** NAIC Number: ***Company Name: Progressive Advanced Insurance CompanyMs
***,I am writing in reply to your letter dated July 29, 2016. I’m sorry that Ms*** feels that we did not appropriately handle her claim in the manner she wishedWe completed an estimate on the damages reported by her resulting from an accident where an unknown vehicle struck her parked and unoccupied *** We coordinated our repairs through our Service Center with Northwest Auto Body. The repairs were originally scheduled to be completed on July 11, 2016, as Ms*** indicatedHowever, upon assembly of the vehicle, it was noted that the battery would no longer hold a charge and it appeared to be linked to an issue with the alternatorThose items were added to the estimate of damages and subsequently replacedThis extended the repairs by a day and the vehicle was completed on July 12, Ms*** picked up the vehicle that day.Ms*** returned her vehicle to our Service Center stating that her air conditioning was not workingBased on the front end impact, we agreed to look into her concernWe authorized a free rental and we sent the vehicle back to Northwest Auto Body for diagnosis. On July 15, 2016, Northwest advised that the air conditioning kept blowing a fuse and indicated that to complete an in depth analysis, the vehicle needed to go to a ***/*** dealershipOn July 18, 2016, we contacted Ms*** to advise that we sent the vehicle to *** *** ***/*** for diagnosisThe vehicle arrived at *** *** ***/*** on July 19, 2016, and their mechanics evaluated the issue until July 25, 2016.On July 25, 2016, *** from *** *** ***/*** advised us that the compressor was faulty on the *** 500, had a short in it, and indicated there was an internal electrical failure with the compressorHe further indicated that the issue with the compressor was not related to the accident and was simply a part failure*** *** ***/*** is not affiliated with us in any way and is an independent qualified source of diagnosis to provide an unbiased expert opinion of the issueWe advised Ms*** of the findings from the dealership, and provided the name and phone number of the technician who evaluated the issue for her to contact and discuss further if she so desired. We advised Ms*** that part failure would not be covered as part of the claim as it was determined by an independent expert technician to not be part of the accident but rather an electrical malfunction with the part itselfIt should be noted that our representatives showed empathy during the conversations with Ms*** acknowledging the heat during the day but also advising that her Collision coverage only covers damages resulting from a collision and not electrical breakdown or mechanical breakdown of partsIt should further be noted that we spent $to have the air conditioning issue diagnosed only to find that it was not related to the accidentAdditionally, Ms*** was in a rental from the date of her return on July 14, through her pickup of the vehicle once again on July 27, 2016, at no charge to her while we researched the air conditioning issue on her behalf. I’m sorry for the frustration Ms*** experiencedIf you have additional questions, please contact me at 1-314-656-4110.Sincerely,Timothy H***Timothy H***Community PD Manager

attachment

June 18, 2015Revdex.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 Direct Insurance Company *** ***,I’m writing in response to your letter dated June 11, I appreciate the opportunity to respond to *** *** concerns.We are committed to providing a quality customer experience and fulfilling our contractual obligations to our customers while investigating all claims in a thorough and timely mannerWe thoroughly investigate any claim involving a crime, like theft, to be sure we have done all that we can to understand how the loss occurred and if we can identify the responsible party At the time *** *** filed this complaint, there were outstanding supporting documents, which she had agreed to provide usThese documents were relevant to our investigation and needed to verify the timeline of events surrounding the theft of the vehicleWe were unable to move forward with the resolution of the claim without *** ***’s cooperation.On June 15, 2015, we received the supporting documents that we had requestedWe reviewed the documents, summarized the claim, made a decision to resolve this matter and issued payment to *** *** on June 16, 2015.I’m sorry for any inconvenience *** *** incurredIf you have any additional questions, please call me at 1-***.Sincerely, Timothy M***Timothy M***Claims Manager

---------- Forwarded message ----------From: *** * Date: Tue, Dec 6, at 6:AMSubject: Complaint # ***To: ***@cleveland.Revdex.com.orgMy issue was resolved right after I filed the complaintPlease close my caseThank you.*** ***Sent from my iPhone

AttachmentBusiness response copied and pasted below by Revdex.com staff 4/4/17:April 3, 2017Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Melissa TrahanRe: File Number: *** Customer Name: *** *** Policy Number: *** *
*** Policy Type: Personal Auto NAIC Code: *** Company Name: Progressive Advanced Insurance Company MsT***I’m writing in reply to your inquiry dated July 18, I understand why MsB*** would think that we wouldn’t allow someone to start a new policy if they owed a balance on a previous balanceI’m happy to review her previous policy and explain. We did cancel MsB***’s previous policy on March 5, 2015, due to non-paymentWhen the policy canceled, there was a balance owed of $I’ve attached the documents we sent to her in case she wants them for her records. We make our best effort to collect balances that are owed before we start a new policy for a customerIf there are any differences with the policy information, our system can miss the previous balance, allowing the customer to purchase the policy without paying off the amount owed first I’m sorry for the confusion this causedMsB*** can call us at *** to make payment and we’ll be happy update the information with the collections agencyIf you have any questions for me, please call ***Sincerely, Jeff ***Jeff ***Consumer Relations Specialist

April 11, 2016Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance
CompanyMs***,I'm writing in reply to your email dated April 3, 2016.On November 5, 2015, we issued Ms***'s Renewal BillThat bill shows a payment schedule with the dates and amounts of her upcoming withdrawalsThe renewal also advises her to call us if she doesn't want the automatic withdrawal to occur. When she started her policy, Ms*** signed a Confirmation of Electronic Funds Transfer AuthorizationThe form advises her that we can adjust her scheduled deductions to reflect any premium changes as long as we give her proper notificationCopies of these documents are attached.Ms***'s rate increased due to an increase in our rates in OklahomaOur total costs are going up due to bodily injury claims, medical claims and weather related claimsI understand it can be frustrating when a customer's rate increasesI'm sorry for any inconvenience Ms*** has experienced. Please call me with any questions at 1-440-395-3385.Sincerely,Sharon DS***Sharon DS***Consumer Relations 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
I have been unable to receive a copy of the document progressive states that I had signed that results in the denial of my claim. A previous claims representative, Joe F*, claims that he has voice recording of said statement of no lossI have requested a copy of the recording and he has yet been able to provideI have also requested every document that was ever issued regarding my policy(including billing statements, full policy document, notices), but progressive can only provide me a summarized policy validation letters.Progressive is handling this issue very unprofessionally as well as unmoral, They are failing to perform my requests in a timely matterI am seeking legal counsel to assist me in this matter
Regards,
*** ***

October 11, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance CompanyMs
***,I’m responding to your letter dated October 4, Thank you for the opportunity to clarify the situation.Mr*** has been a customer since April His most recent policy term is active from April 25, to October 25, at a rate of $467. On September 27, 2016, we sent his Renewal Offer in advance of the October 25, renewal date for his reviewWe send our offer in advance to give our customers an opportunity to review the offer and decide if they want to continue the policyThe rate offered for the upcoming policy term of October 25, to April 25, is $645.The rate increased for two reasonsThe first factor in the increase was a change in MrCurry’s driving historyHis recent motor vehicle report reflects a traffic violation in January The second factor that contributes to the price increase is a change in our ratesIn order to change our rates, we are required to file them with the state of OhioThis filing process requires that we validate a reason for the changeThis recent change affects all customers as they renew policies on and after October 21, 2016.We acknowledge that we don’t have the lowest rate for every driver and understand that our product does not fit every person’s need or budget for insuranceThe Renewal Offer is sent in plenty of time to allow customers the time to make the best choice for their insurance needs.I’m sorry for any inconvenience this situation has caused MrCurryIf you have any questions, please call me at 1-440-620-6943.Sincerely,Nancy A***Nancy A***Consumer Relations Specialist