Progressive Corporation

(The following was copy/paste by Revdex.com staff - LST)[redacted]September 22, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]  Policy Number: [redacted] Policy Type: Personal Auto  ...

NAIC Number: [redacted] Company Name: Progressive Casualty Insurance Company Mr. [redacted],I’m writing in reply to your letter dated September 16, 2017. I appreciate the opportunity to explain the reasons why Mr. [redacted]’s policy has changed in rate and what we can do to help him. I hope the following information is helpful to both you and to Mr. [redacted].As with all our new business, our process is to verify the information provided to us during an Application. We asked Mr. [redacted] to contact us before September 23, 2017, to verify household members that he indicated should not be covered on our policy, by providing a copy of their insurance declaration page showing that each one of those drivers have bodily injury and property damage liability coverage with another company. If proof hasn’t been sent, we may be required to add these drivers or cancel the policy. The other policy verification is required by October 3, 2017. This is a general verification to ensure that we are adequately rating his policy. We want to make sure that all the information that he provided to us is accurate and that the rates he is paying is the lowest possible for him. I wanted to clarify that Mr. [redacted]’s policy was originally sold at $2,959 for six months, and on August 31, 2017, we adjusted the Personal Injury claims from 0 to 1, based on total number of accidents resulting in injury within the last 59 months. This change caused an additional increase of $546 to the policy. The total cost of the policy, as of today, is $3,350.I understand how confusing insurance can be, and I’d be happy to help Mr. [redacted]. If he is able to provide the information that we need, I’d be happy to make certain the cost of his policy is fair and adequate. I can be reached at [redacted]. Sincerely,Rose V[redacted]Consumer Relations Specialist Sr.

(The following was copy/paste by Revdex.com staff - [redacted]May 30, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, Ohio 44115Attn: [redacted]RE: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMr. [redacted],I’m writing in reply to the pictures you sent in on behalf of Ms. [redacted].I’ve reviewed the additional information and pictures provided. Based on my review of the pictures, my liability decision remains the same. The pictures fail to prove any negligence on the part of our customer, and don’t prove he was involved in this accident.I’m sorry that Ms. [redacted] disagrees with our decision. Based on the facts of the accident, I feel that we’ve made an accurate decision.Please don’t hesitate to contact me at 1-913-201-4633 with any questions.Sincerely,Kevin V[redacted]Kevin V[redacted]Claims Manager

[redacted],
Attached is our response.
Thank you,
Rose S[redacted]
Consumer Relations Specialist
1-440-[redacted]Business response copied and pasted below by Revdex.com staff ** 2/7/17:February 7, 2017Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Advanced Insurance Company       [redacted], I’m writing in reply to your follow up letter dated February 3, 2017.As [redacted] requested, we’ve canceled the policy effective January 31, 2017, and will refund $143.20 to his bank account on February 12, 2017. He should see the refund in his account within two or three days after that date.I’m sorry for the inconvenience [redacted] experienced. If you have any questions, please feel free to call me at 1-440-[redacted].Sincerely,Rose S[redacted]Rose S[redacted]Consumer Relations Specialist

(The following copy/paste by Revdex.com staff - LST)[redacted]April 14, 2017 Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: Melissa [redacted]Re: File Number: [redacted] Customer Name: Patrick T. [redacted]         Claim Number:    ...

 [redacted]         Policy Number:      [redacted]         Policy Type: Personal Auto         NAIC Number:       [redacted]Company Name: Progressive Direct Insurance CompanyMs. [redacted],I’m writing in reply to your email dated March 31, 2017. Thank you for the opportunity to address Mr. [redacted]’s concerns. This is an unfortunate situation where Mr. [redacted] chose a shop for repairs where the shop owner passed away while his Lexus was under repair. This caused extensive delays and as Mr. [redacted] stated, what should’ve been a two week repair caused Mr. [redacted] to max out his 30 day rental coverage and pay out of pocket for additional days. We’ve been working with the shop and Mr. [redacted] regarding his repair concerns. We’ll also continue to work with him on the rental issue to reach a resolution. We’ve been unable to reach Mr. [redacted] and ask him to call Property Damage Supervisor Eric [redacted], at [redacted], so we can help him resolve his concerns. Sincerely, Fred [redacted]Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
Regards,
Victoria [redacted]

October 21, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Numbers: [redacted] and [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive...

Advanced Insurance CompanyMs. [redacted],I’m writing in reply to your letter dated October 13, 2016.Mr. [redacted] had policy 907961061 with us from November 20, 2016 to July 19, 2016. He began policy [redacted] on September 14, 2016. At that time, his proof of prior insurance was listed as a 1 to 31 day lapse. Because of this, we requested proof of his prior insurance. Because Mr. [redacted] had over a 31 day lapse, he is unable to provide the requested proof. After reviewing Mr. [redacted]’s policies and his inquiry to the Revdex.com, I’ve made an accommodation to honor the current prior insurance status of a 1 to 31 day lapse. We no longer need proof of his previous insurance and his price won’t change based on his prior insurance.  I’m sorry for any frustration this situation has caused Mr. [redacted]. If you have questions, please call me at 1-440-620-6945.  Sincerely,Stephanie C[redacted]Stephanie C[redacted]Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - LST)[redacted]May 26, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Lou Re: File Number: [redacted] Customer Name: Theresa [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC...

Number: 155-29203 Company Name: Progressive County Mutual Insurance CompanyMr. [redacted],Thank you for your letter dated May 22, 2017. I understand Ms. [redacted]’s concerns regarding the return of her deductible. On May 25, 2017, I tried to contact her, but was unsuccessful.I have good news! I’ve reviewed the claim with our Subrogation Department and confirmed that we’ve received most of the damages owed, allowing us to reimburse Ms. [redacted] directly for the deductible she paid to the repair facility.On May 25, 2017, we mailed a draft for $249 to her residence. She should receive it within the next 10 days.I’m sorry for the inconvenience that Ms. [redacted] experienced as we sought recovery. If you have any questions, please feel free to call me at [redacted]Sincerely,Theron [redacted]Claims Manager

Response attachedBusiness response copied and pasted below by Revdex.com staff MT 4/14/17:April 13, 2017Revdex.com, Inc.2800 Euclid Avenue 4th FloorCleveland, OH  44115-2408Attn:  Melissa T[redacted]Re:  File Number:   [redacted]       File Name: [redacted]...

[redacted]       Claim Number: [redacted]       Policy Type: Personal Auto       NAIC Number: 155-10067       Company Name: Progressive Hawaii Insurance CorporationMs. T[redacted]
I’m writing in reply to your letter dated April 7, 2017. I appreciate the opportunity to clarify the situation.On March 21, 2017, we received report of a claim that occurred on March 18, 2017 in Memphis, Tennessee, that involved Ms. W[redacted]’s 2015 Toyota Camry, driven by [redacted] There is no question regarding the liability in this claim. On April 3, 2017, we inspected the vehicle and deemed it a total loss. There was a delay moving her vehicle from Memphis, Tennessee, to the shop of her choice in Batesville, Mississippi due to the tow vendor being down one tow truck as they had an unrelated accident. We apologize for that delay and paid $260 for loss of use.     We discussed the value and emailed the settlement report to Ms. W[redacted]. She hasn’t disputed the accuracy of her vehicle evaluation. She stated in her complaint that the payoff to her lienholder was the same as the settlement offer of $14,895.37. The actual payoff to her lienholder is $25,658.54. Ms. W[redacted] has refused to allow us to move her vehicle to a storage free location while we attempt to resolve her total loss, so we mailed a Mitigation of Damages letter to her on April 5, 2017. As of April 13, 2017, Ms. W[redacted]’s lienholder is now involved. I’m sorry for Ms. W[redacted] loss and any additional stress this has caused her.  If I can be of further assistance in this matter, please don’t hesitate to call at [redacted] Sincerely,Annie D[redacted]Annie D[redacted]Consumer Relations Specialist

May 26, 2015Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance...

Company
[redacted],I’m writing in reply to your letter dated May 19, 2015.On November 5, 2014 [redacted] bought a six month auto insurance policy with us via the internet for $884 and made an initial payment of $149.11. He opted to have his payments automatically withdrawn from his checking account with an Electronic Funds Transfer (EFT) bill plan. [redacted] changed his due dates on the automatic scheduled payments starting in December to April of 2015, from the 5th of each month to the 15th of each month. On December 12, 2014, he removed himself from the EFT bill plan and requested an invoice via the United States Postal Service (USPS). At the time of this change, his December 15, 2014, invoice was still due. On December 21, 2014, we issued a Cancel Notice with an effective date of January 2, 2015, for $148.33. On this same day, [redacted] made this payment via the internet. On January 2, 2015, we issued an invoice for $152.33 due by January 18, 2015. Because he didn’t make this payment on time, on January 23, 2015, we added a $5 late fee to his policy.On January 25, 2015, we issued a Cancel Notice for $152.33 with an effective date of February 6, 2015. [redacted] made this payment on February 5, 2015, via the internet. On February 19, 2015, he called us and made coverage changes to the [redacted] and the [redacted]. We added $407 to the policy.On February 27, 2015, we issued an invoice with an effective date of March 15, 2015, for $508.16. Because he didn’t make this payment on time, on March 20, 2015, we added a $5 late fee. On March 22, 2015, we sent a Cancel Notice and asked that he make a payment by April 3, 2015. On April 3, 2015, [redacted] contacted us via on line chat and asked to cancel his policy voluntarily effective April 3, 2015. We advised [redacted] of his new amount due of $579.97. We made an accommodation to waive the $50 Cancel Fee applicable to his policy and a $5 late fee. We advised him of his new amount due of $524.97On April 26, 2015, we sent a Collection Letter and asked that he make a prompt payment to the policy for the amount due of $524.87 to avoid further collections.On May 15, 2015, because he never made this payment, the balance was sent to our outside vendor [redacted] can reach them directly at 1-866-[redacted] to make any payment arrangements. I’m sorry to hear of any dissatisfaction with us, I show we did make numerous attempts to speak to [redacted], however; he refused to allow us to contact him via telephone. Each time, he stated he was at work and unable to receive calls. We also advised him when he communicated with us via chat, that supervisors do not use chat for any escalated issues. On several occasions we asked him to call us directly or allow us to call him. He refused to do this each time. Below are the chat dates where we addressed his balance due.  December 2, 1014December 18, 2014January 2, 2015February 19, 2015March 3, 2015March 13, 2015March 16, 2015, call was disconnectedMarch 23, 2015March 24, 2015April 3, 2015May 18, 2015Currently, this amount is valid and due immediately. He would need to contact the collection agency to make any payment arrangements. If you have questions, please call me at 1-440-[redacted].  Sincerely,[redacted]Consumer Relations Specialist

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.  I have worked with [redacted] and the issue is resolved to my satisfaction.Thank you for your assistance .
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Here is the Original  Comps  I sent to Progressive representative , Jessica L [redacted]. These are comps in local market with 50 miles distance and I think fair market value of the car. Comp1.  Used 2001 Toyota RAV4 4WDMileage: 156,863Price : $6995 Dealer:[redacted] [redacted]
[redacted] 
[redacted]
[redacted]Comp2.Used 2001 Toyota RAV4 2WDMileage: 191,623[redacted]
 
[redacted]
 
[redacted]Price : $3900VIN:[redacted] Comp3.2001 Toyota RAV4 Base 4WD Mileage: 195,966 Price :$5,990 Dealer:[redacted]
[redacted]VIN:[redacted] Comp4. Used 2002 Toyota RAV4 AWDMileage: 191,284Price :$6900Dealer :[redacted]
 
[redacted]
 
[redacted]VIN:[redacted]COMP5. USED 2001 TOYOTA RAV4 4WDMILEAGE: 175,257PRICE : $6910DEALER :[redacted]
 
[redacted]
 
[redacted]VIN:[redacted]

May 19, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Casualty Insurance CompanyMs....

[redacted],I’m writing in reply to your letter dated May 12, 2016. Mr. ** began his policy on March 18, 2016, through his broker, The Visionary Insurance Brokerage. At that time, he made a payment of $360.81 and signed his Application. On the Application, there is a section of three questions that we ask. One of them is “Have all the household residents 16 years of age or older, all regular operators of the vehicles described in this application, and all children who live away from home who drive these vehicles, even occasionally, been disclosed in the ‘Drivers and household residents’ section?” Mr. ** answered yes to this. On March 29, 2016, we sent him a notice requesting that he call us to verify information on his policy by April 12, 2016. We didn’t receive a call, so we sent him a Cancel Notice. It stated that he needed to call us or his policy would cancel effective May 8, 2016. Mr. ** called us on April 18, 2016, and we discussed his policy with him. We found that he lived with his parents and sisters. Because they are family household members, they need to be listed on the policy. That same day, effective March 18, 2016, we added [redacted], and [redacted] to the policy. This increased the policy $1,480 for the six months. [redacted] and [redacted] were added as Mr. **’s parents and we requested proof of other insurance in order to change them from rated drivers. [redacted] and [redacted] were both added as other relation, list only, and never licensed. We sent Mr. ** and email requesting that he provide other insurance proof for his parents. Unfortunately, we never received this requested proof. Mr. ** canceled his policy effective April 28, 2016. After cancel, there is a valid balance due of 445.31. He made this payment on May 11, 2016. If Mr. ** would like to provide proof that his parents had other insurance, he can email it to me at [email protected] or fax it to me at 1-888-569-8942. Once received, I’ll review the proof and update the policy accordingly. I’m sorry for any inconvenience Mr. ** has experienced. If you have questions, please call me at 1-440-620-6945.  Sincerely,Stephanie C[redacted]Stephanie C[redacted]Consumer Relations Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Why is it taking so long to release my funds! I have a business to run and cannot wait until the 21,22 date or more to receive my check!I request my check be mailed asap! I did my part they got paid and no more changes are going to be done at this time as they can see!so there is no reason to continue to hold my refund! 
Regards,
Timothy [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
Doretha [redacted] Progressive did not address my complaint. I never mentioned that I wanted to be reimbursed for my rental. I am well aware that the rental car is covered under the insurance policy. Maybe he should try reading my complaint again and not make any rediculous assumptions.

June 17, 2015Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive County Mutual...

Insurance Company[redacted],I’m writing in reply to your letter dated June 10, 2015.I’m sorry to hear of [redacted]r’s dissatisfaction with our application process. On April 15, 2015, [redacted]r bought an automobile policy with us through an agency, [redacted]. The policy was originally sold with [redacted]r, her spouse [redacted] and a [redacted]t and [redacted]. During our application review, we found that there might have been additional drivers in the household. Often times these drivers are teenagers or adult children or other relatives who may have other permanent addresses. On May 8, 2015, as part of our verification process, we sent out a memo and asked that [redacted]r verify any additional drivers by May 21, 2015. Because we didn’t hear from her, we added her son, [redacted] to the policy. The Paperless Discount also required consent to the terms and conditions. [redacted]r had approximately 42 days to consent from the time the policy was purchased. On May 31, 2015, we removed the discount and on June 5, 2015, we reapplied the discount. As of the date of this letter, it appears [redacted] has been in contact with her agent and the policy is back to its original form. There are three remaining payments due for July, August and September. These payments are scheduled to be $148.11.If you have questions, please call me at [redacted].  Sincerely,Rose V[redacted]Rose V[redacted]Consumer Relations Specialist

[redacted]Attached is our response.Thank you,Rose S[redacted]Consumer Relations Specialist[redacted]

Please see our response attached.Business response copied and pasted below by Revdex.com staff MT 4/20/17:April 18, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, Ohio 44115Attn: Melissa T[redacted]RE: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: 155-21735 Company Name: Progressive Premier Insurance CompanyMs. T[redacted]I’m writing in reply to Mr. S[redacted]s response to my letter dated April 12, 2017. One we received Mr. S[redacted]s rebuttal, we were glad to take another look at his claim. Based on the statements provided from all parties, the scene layout, and location of damages, we’re standing by our liability decision. We’ve offered to pay Mr. S[redacted] his total damages, less the 20 percent responsibility assigned to him, which amounts to $902.98. Mr. S[redacted] chose to reject our offer. We’ve tried to contact Mr. S[redacted] multiple times to discuss his concerns but have been unsuccessful.I’m sorry for the inconvenience Mr. F[redacted] experienced because of this claim. I know he was hoping for a different answer, and I really wish I had better news for him. If you have any questions, please call me at 1-440[redacted] Sincerely,Ryan L[redacted]Ryan L[redacted]Claim Manager

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I was with my wife on several occasions when the beeping from the snap shot device occurred.  As a police officer I can confirm it was in no way hard braking of any sort, nor was there any weather conditions that would make this occur.  Further as this was only one third of the graded criteria I am amazed that this would be considered a 98% reduction in what they started was a possible 30% discount...I am truly amazed at this as my wife is a 58 yoa female with a perfect driving record.  Since I put this complaint up I have received comments from several others who have the same complaint.  I am saddened that a company would use this as a sales pitch and then be so totally false in their statements,  I for one am willing to inform others and cancel my policy.  
Regards,
[redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]June 1, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]Claim Number: [redacted]Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Advanced Insurance CompanyMr. T[redacted],Thank you for your follow up email dated May 25, 2017. Unfortunately, we don’t have any record of Ms. [redacted] requesting Physical Damage coverage in writing, online, or over the phone. Through our investigation, a record of her discussing and/or requesting the coverage wasn’t found.I’ve provided you with the most relevant information we have on record to show the coverage that Ms. [redacted] requested. These records are her electronic[redacted] signed Application and a copy of her Coverage Summary.    If you have any questions, please call me at [redacted]. Sincerely, Michael D[redacted]Claims Manager