Progressive Corporation

July
27,
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 County Mutual Insurance Company
*** ***,
I’m
writing in reply to your letter dated July 20,
The
accident mentioned by *** *** in her complaint involved three
vehicles, one driven by our customer, *** ***, one driven
by *** *** and the other by *** ***The accident occurred when
*** *** had a blowout, losing control of the vehicle, hitting a
guardrail and becoming inoperable causing him to block a lane of
travel
Mr
Gatewood was traveling behind *** *** and had nowhere to go, or
the ability to avoid the vehicle blocking the roadway, hitting Mr
Guerva’s vehicleThe impact between *** ***’s vehicle and
*** ***’s vehicle caused debris from the two vehicles to travel
to the opposite side of the roadway and hit *** ***’s
vehicleThis caused approximately $in damages to her vehicle
We
completed a liability investigation and found that *** *** was the
proximate cause of the accidentWe assessed a liability decision of
percent negligence on the part of *** *** and percent on the
part of *** *** for the damages sustained to *** ***’s
vehicleWhen we spoke to *** *** as part of the claim
investigation, she indicated that she felt *** *** was also at
fault for the accident, as his blow out resulted in him losing
control of his vehicle
She
also stated that based on the damages to *** ***’s vehicle,
she could tell he attempted to swerve to avoid *** ***’s
vehicleBased on the liability decision made, we paid percent of
*** ***’s damages, or an amount of $
We
appreciate the opportunity to clarify the situation and are sorry for
any confusionIf you have questions, please call me at
1-***
Sincerely,
*** ** ***
David
** H***Claims Manager

Response attachedBusiness response copied and pasted below by Revdex.com staff MT 3/27/17:March 27, 2017Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: Melissa ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: 155-Company Name: Progressive Northwestern Insurance CompanyMsT***,I’m writing in reply to the follow up email you sent on March 16, 2017.I’m sorry MrT*** disagrees with our responseWe are not aware of any provision in the Washington insurance statutes or regulations that would provide for a refund under these circumstances Unfortunately, we can’t refund MrT*** any moneyWe provided coverage for him from December 5, until December 5, 2010, and sent an SRto the state of California as he requestedThe SRis proof that he had the minimum coverage that the state required of him. If you have any questions, please call me at 1-440-***Sincerely, Janeen ***Janeen ***Litigation Underwriting Specialist

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 disagree with Progressive reply. 1st) we were asked to find a fencing contractor and get a bid. We did so, we submitted that bid, just like we had done before (in 2002) 2nd) As this was our second claim we got what I call much different treatment. Never ever before have we ever had insurance company Adjustor and Contractor come to an exact agreement on cost of repair. 3rd) Have to wonder how and what Progressive used to get a Contractor to change his bid ?? 4th) As I am the property Owner and I do have a Property Manager any and all final settlements/arrangements/deals need to go through me( in this case Progressive and I never talked till after I received settlement check) 5th) in talking with and in progressive's reply they spent way too much time talking about and taking pictures of other damage to another section of my fence. From many years of experience my + feet of fence was broken up into four separate individual sections with a gap of three to four feet between sectionsInsurance claim was for replacement/repair of out of sections of the fence. Separations of fences was done on purpose for insurance claims and ease of replacement/repair. This separation has worked for all insurance claims till this second Progressive claim. Progressive should deal with property owners and their agents not with people renting that wasn't there when accident happened or the property Owner's Contractors. All settlements should go through the same person the settlement check is made out to.Progressive changed and made up all new procedures or the way they do thingsWHY ?? Because second claim. Why take pictures and address other damage on a totally different fence ?? to cloud the water to cover their side of the issueProgressive ask for bid/bids like other insurance companies but no insurance company gets the property owner's Contractors to lower their bid. Think Business wise I ask for bids, I get bids, I ask the contractor is this the best you can do ?? I get answer, yes..... Then Progressive Adjustor gets my contractor to lower his bid right down to the penny. Have to think how/why/what's up ?? No two guys can come up with the same price to do a job, unless there is something ?????? Why in the world would I want to do business with either ??I would have been OK with Progressive doing everything, getting their own bids, hiring and paying their own contractors to do all the work. Many other insurance companies have done that in the past.Progressive should be held responsible for full bid submitted and not change because this is the second claim. As a property owner I have no choice who damages my fences. Progressive does have a choice how they handle a claim. Had Progressive done things different I would have never filed a Revdex.com claim
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. I do not believe it should be my responsibility to pay to have the truck moved nor diagnosedI currently have a written warranty that is of no use to me.progressive originally took the truck back to the shop that made the original repairs, and the shop (*** ***) refuse to diagnose the problemstating that they will not work on a motor with over 100k milesI would gladly allow progressive to move the truck at their expense to a shop of my choice however they should pay for the diagnosisseeing how this all started with their repair shop failing to properly make all necessary repairs from the start.by them sending the truck back to the original repair shop, they have allow the mechanic an opportunity to cover his mistakes"allowing the Doctor that preformed the surgery to now do the autopsy"
Regards,
Terry ***

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
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** *** *** ***our response to to Progressive is the following:a-we did not choose paperless option, all correspondence must be specifically identified in writing, this is our central complaint They now send us regular written bills with no identification as to reason or purpose.b-this response is a clear demonstration of Progressive’s bullying tactics to refuse responsibility and ignore specific questions and complaints Please demand copies from them of all written correspondence from Progressive to us Their response is a blatant lie
-

[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 to close this issue, but not to retain my business This was far too much effort for $and could have been resolved if Progressive trained their staff to properly explain their fees or to be able to provide a customer of years with a $"courtesy" credit when warranted
Regards,
Judy ***

Our response is attached.Business response copied and pasted below by Revdex.com staff MT 3/21/17:March 21, 2017Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115 Attn: M*** ***
Re: File Number: *** Customer Name: *** *** Policy
Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance CompanyMsT***I’m writing in reply to your email dated March 14, I’m sorry for MrsR***’s confusion about her billing.We issued her bill on February 6, 2017, for $33.32, due by February 22, That bill included her regular installment fee of $We hadn’t received her payment by the time her next bill was issuedWe issued the bill on March 6, for $134.15, due by March 22, This bill included the $late fee and the regular $installment fee for her March billWe didn’t charge an additional $fee on top of the late fee.We appreciate MrsR*** being a loyal customer since As a one-time accommodation, I’ve waived her March installment feeShe should receive a credit to the credit card she made payment with in seven to business days.Please call me with any questions at 1-440-395-3385.Sincerely,Sharon ** ***Sharon ** ***Consumer Relations SpecialistEnclosures

(The following was copy/paste by Revdex.com staff - LST)***February 13, 2018Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn* *** ***Re: File Number: *** Customer Name: *** ***Policy Number: ***Policy Type: Personal Auto NAIC Number:
*** Company Name: Progressive Advanced Insurance Company MrT***Thank you for your letter and for forwarding MrD***’s concerns about the $balance due after we canceled the policy at his requestI’ve reviewed the policy and am happy to explain what happened.When MrD*** went online and purchased the policy on January 2, 2018, the payment plan he selected offered a low down payment of $to get the policy started, and monthly payments of approximately $156.80, starting on February 2, 2018. Our policies are issued for a six-month period, and while we offer payment plans for the convenience of our customers, the policy is charged on a daily rate for each day it’s activeUsing MrD***’s six-month rate of $860, each month of coverage would cost approximately $144, give or take a few dollars for rounding. On January 29, 2018, MrD*** called and asked us to cancel his policy effective February 2, 2018, which we didWe charged him $for coverage from January 2, 2018, to February 2, MrD*** paid $81.02, leaving a balance due of $We didn’t charge MrD*** any extra fees for canceling his policy, and we didn’t add any other charges to his policyThe cancellation provisions are outlined on page and of the Policy Contract we sent to MrD***I’ve enclosed a copy for your review.I’m sorry to see that MrD*** chose not to continue his policy with usIf you have any questions, please call me at 440-620-6944. Sincerely, Rose S*Rose S*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 - LST)***April 27, 2017Revdex.com, IncEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: Lou ***Re: File Number: *** Customer Name: Chuckwudi *** Claim
Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Select Insurance Company Mr***,I’m writing in reply to your letter dated April 17, I appreciate the opportunity to clarify the situation.I’ve reviewed this claim and clarified liability with Mr***We were able to address his concerns regarding his deductible, and vehicle repairs I’ve also advised Mr*** that if he has any questions in the future to please contact me. Thank you for bringing Mr***’s concerns to our attentionIf I can be of further assistance, please call me at *** or you can email me at ***@progressive.com and cc: [email protected]. Sincerely,Jon *** Claims Manager

August 4, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** ** *** Policy Number: *** Policy Type: Travel Trailer NAIC Number: *** Company Name: Progressive County
Mutual Insurance CompanyMs***,I’m writing in reply to your letter dated July 29, I appreciate the opportunity to clarify the situation. On June 26, 2016, Mr*** reported a claim to us stating that there was water damage to his travel trailerWe inspected the damage on July 19, 2016, and found water leakage and seepage coming from the left window sealThis type of damage is specifically excluded from coverage as stated in Mr***’ Policy Contract (Texas Personal Travel Trailer Policy form edition 06/10)As a result, we’ve denied this portion of Mr***’ claimThe remaining damage was below his deductibleThis decision has been explained to Mr*** verbally and in writing. On July 29, 2016, I directly followed up with Mr*** and explained the Policy Contract and reason for the partial denial, Mr*** is in agreement with the partial denialHis primary concern was misinformation he received regarding the source of the leakHe was told that the source was from roof seams, which was incorrectWe are in agreement that the source of the leak is the windowI clarified the reason for the partial denial and Mr*** is no longer disputing the final resolution of the claim. I’m sorry for any miscommunicationIf you have additional questions, please call me at 1-440-910- Sincerely,Charlene M***Charlene M***Catastrophe 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
Regards,
*** ***

(The following was copy/paste by Revdex.com staff - ***)***September 1, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, Ohio 44115Attn: *** ***RE: File Number: *** File Name: *** *** Policy Number: *** Claim Number: *** Policy Type: Personal Auto NAIC
Number: *** Company Name: Progressive Universal Insurance CompanyMr***,I’m writing in reply to your August 26, inquiryThank you for forwarding *** ***’s concerns regarding the delay in handling him claimI understand that being involved in an accident is never a good experience, and I’m very sorry for any added stress *** *** is experiencing during the claim handling processThat’s certainly not what we intend! I appreciate the chance to provide some additional information regarding the actions we’ve taken on the claim to date.*** *** reported that an unknown vehicle rear-ended his GMC Canyon on July 6, The file was assigned to MsRickydra K*** on July 6, 2017, and *** *** was contacted that same dayWhen MsK*** spoke with *** ***, he indicated that he wanted to wait to see if the other insurance carrier would be known rather than using his own coverage for this accidentHe also advised MsK*** that he was told by police that police reports can take months to become available.On July 7, 2017, MsK*** ordered a copy of the police report through ***.On July 20, 2017, *** *** provided us with a *** *** plate number belonging to the at fault party that hit his vehicleWe completed all searches allowed by the state of New Hampshire and were unable to locate any valid insurance information or contact information for the party responsible for the damage to *** ***’s vehicle On July 22, 2017, MsK*** transferred to another department and the claim was re-assigned to MsVictoria L*** to complete the investigation.On August 2, 2017, the police report still hadn’t been received by usMsLewis called *** *** to provide him an update on his claim On August 3, 2017, *** *** called in and requested to speak to a supervisorHe spoke with MsSharon H***At that time, *** *** advised us the police report had been available for weeks and wanted to know why we didn’t have a copy of itAt that time, MsH*** put in a second request for the police reportMsH*** mistakenly told *** *** that we hadn’t ordered the police report yet, but the report was ordered the day after the accident was reported to usI’m very sorry for the misunderstanding with this information.MsL*** let *** *** know we would continue to monitor for the police report and follow up with him by Monday, August 7, On August 7, 2017, MsL*** attempted to locate the police report online to expedite the process, but there is no way to order a police report from the *** *** *** onlineMsL*** called *** *** to update him and let him know he could pick up the report and send it in if he wanted to, and that we’d be glad to reimburse him for the cost MrTalbot declined this option.On August 14, 2017, MsL*** spoke with *** *** and explained that we’re still waiting on the police reportShe followed up with him again on August 21, On August 23, 2017, MsL*** spoke with our representative in the *** *** *** office who advised us that due to a new process in *** *** police reports are taking up to days for insurance companies to receive As of today, August 28, 2017, we haven’t received a copy of the police report from the *** *** ***We’ve made several efforts to retrieve the police report to help *** *** with the other insurance carrierWe apologize for the delays in obtaining this report and we will continue to monitor the claim until we can fully resolve *** ***’s claimIf *** *** would like to use his own policy, we can assist him with repairs to his GMC Canyon, and subrogate the other carrier once their information has been receivedAs soon as we get a copy of the police report, we’ll file a claim with the other insurance company on *** ***’s behalf, and MsL*** will work with that company to make sure *** ***’s needs are met.Please don’t hesitate to contact me at *** with any questions.Sincerely,Melissa S*Claims Supervisor

May 19, 2016Revdex.com, IncEuclid 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 writing in reply to your email dated May 2, 2016.I'm sorry to hear that Mr*** has been the victim of identity theftHe will need to provide a written request stating he's been a victim of identity theft, with his name, date of birth, social security number, driver's license number, address and phone numberHe also needs to provide us with a copy of his police reportHe can send the documents to my attention at Progressive Insurance, Wilson Mills RdN71B, Mayfield Village, OH He can also fax the documents to me at 1-888-569-He should reference the policy number above on all documents that he sends.Please call me with any questions at 1-440-395-3385.Sincerely,Sharon DS***Sharon DS***Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - ***)***July 2017Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Northwestern Insurance CompanyMr***,I'm writing in reply to your email on July 19, I reviewed the additional documentation that Mr*** provided.Mr*** sent us information showing the cost and labor time needed for a new bedside and bumperIn addition, he included photos of his bed side and rearbumper.We're not disputing there's damage to the rear bumper, and our estimate reflects a new bumperHowever, the damage related to the loss doesn't warrant a new box sideThe reason the vehicle needs a new box side is because of unrelated prior rust and it isn't due to this loss.I know this isn't what Mr*** wants to hear, but after reviewing the additional documentation he provided, we're still unable to add any additional monetary allowances or repairs to our estimateOur estimate is fair, accurate, and covers the damages related to the loss on September 8, 2016.If you have any questions, please call me at ***.Sincerely,Dan ***Claim Manager

*** *** *** *** ** *** *** * ***)***September 5, 2017Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: Lou ***Re: File Number: *** Customer Name: William C*** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company
Name: Progressive Mountain Insurance CompanyMs***,I'm writing in reply to your email on August 30, We do value Mr*** as a customer and I'm sorry for all the issues he's had with the Chevy Trailblazer.I reviewed his policy to see what happened, and this is what I found. We reviewed Mr***'s call on June 17, We confirmed that we added the Chevy Trailblazer to his policy based on the information he providedWe sent the vin he gave to us at that time for this vehicle to the state. When the state notified us that the information didn't match their records, we sent a letter to Mr*** on June 28, We let him know that he needed to correct the information, contact the state to correct their records, and what could happen if he doesn't do that.I confirmed that as soon as we received the right information, we fixed the policy and sent that information, going all the way back to the date he added the vehicle, to the stateI know it's not what Mr*** wants to hear from us again, but we're unable to reimburse the $impound fee because we didn't make an error.If you have any questions, please call me at ***Sincerely,Dona ***Dona ***Consumer Relations Specialist

MsT***,
Attached is our response
Thank you,
*** ***
Consumer Relations Specialist ***Business response copied and pasted below by Revdex.com staff MT 3/2/17:February 22, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn:
Melissa T***Re: File Number: *** File Name: *** *** Claim Number: ***Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Direct Insurance Company MsT***I’m writing in response to your letter dated February 16, I appreciate the opportunity to address MrV***’s concerns and clarify the situation with his claim.This accident occurred on November 21, 2016, at the intersection of Arlington Street and South Street in Framingham, MassachusettsArlington Street ends at a “T” intersection with South Street, and there are no traffic controlsMrV*** states they were stopped at the end of Arlington Street while our customer, *** *** ***, came from South Street (from their right) and turned left onto Arlington StreetMrV*** further alleges that MsP*** went left of center and struck them while they were stationaryMsP*** states that they were turning left onto Arlington Street, and MrV*** pulled forward into them. We conducted a thorough investigation, which included statements from both drivers and one passenger in MrV***’s vehicle, a review of the scene, photos of both vehicles and a conversation with the responding police officerThis was a word versus word situation, and the physical evidence indicated our customer’s vehicle was at an angle consistent with making the left turn onto Arlington Street with the right of wayThere was no police report written, and the witnesses MrV*** referred to were in his vehicle and were not impartial. We found MrV*** to be at fault; therefore, he’s not entitled to recovery for his property damageWe’re currently attempting to recover our customer’s damages through the subrogation process. I’d like to note that because MrV*** has retained an attorney, we’re unable to speak with him directly. I’m sorry for the inconvenience this has caused; however, I feel the outcome is accurate based on the evidenceIf you have any questions, please feel free to call me at 1-860-616-6723. Sincerely, Richard O***Richard O***Claims Manager

responses attachedBusiness response copied and pasted below by Revdex.com staff MT 2/21/17:February 21, 2017Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Direct Insurance CompanyMsTrahan,I'm writing in reply to your letter dated February 16, I reviewed*** ***’s response letterI certainly understand her frustration withthis matter and I’m sorry.Under our policy contract, Part 1, Liability To Others, our insuring agreement statesthat we will pay for property damage for which an insured person becomes legallyresponsible because of an accidentBased upon the facts of the accident, as statedin my previous responses, our driver, *** *** isn’t legally responsible forthe damages to *** ***’s vehicle.As she may not have received it yet, I’ve enclosed a copy of our response fromFebruary 14, 2017, on behalf of Tricia Griffith, president and chief executive officerof The Progressive Corporation.If you have any questions, please call me at 1-651-234-5354.Sincerely,Jason GroveJason GroveClaims Manager February 14, 2017Robin SchluesslerEddy St.Hastings, MN 55033Re: Claim Number: *** NAIC Code: *** Company Name: Progressive Direct Insurance CompanyMsSchluessler,I'm writing on behalf of Tricia Griffith, president and chief executive officer ofThe Progressive CorporationThank you for your letterI’m very sorry for theunfortunate situation and the inconvenience it has been to you.We’ve reviewed your situation and, based on the statements that you’ve providedto us and statements from our customer, *** ***, we’ve determined thathe’s not liable for the damages caused in this lossThe third, unknown vehicle isthe proximate cause for failure to maintain a safe distance and driver inattention.I understand this is a very difficult situation for you, but we aren’t able to assist youin paying for any of the damages to your vehicleIf you have any questions, pleasecall me at 1-860- 616-6749.Sincerely,Jason GroveJason GroveClaims Manager

August 26, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: United Financial Casualty CompanyMs
***, I’m writing in reply to your letter dated August 12, 2016.I’ve reviewed Mr***’s policy and its recent cancellationI’m sorry the process did not meet his expectationsI could not review the call where Mr*** requested to cancel his policyHowever, I did speak with our representative who processed his cancellationShe did not recall a conversation about the Cancellation fee As an accommodation to Mr***, I’ve waived the $Cancellation fee and also two Installment fees totaling $Due to our billing system, Mr*** will receive three drafts for the amounts of $30.44, $19.56, and $10.I’m happy to answer any questionsYou can call me at 1-440-395-0209.Sincerely, Michael F* Michael F* Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - ***)***The business offered me a low amount I $700, then I contacted Revdex.com, the business replied with the same low amount of $and they will not raise it, then I responded on Revdex.com system, then Dan *** called me stating he will not offer the $I was requesting to fix the truck, he agreed to increase the amount to $to help me fix my truck, I counter offered at $1800, he agreed, I thought it was fair and we came to a solution, he said he would start the paper work and call me back, he has not called me back yet, maybe because Revdex.com is closing the case as if the business resolved everything and I'm being difficult and still not satisfiedWe finalized everything at the beginning of the week on Monday