Progressive Corporation

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]

(The following was copy/paste by Revdex.com staff - [redacted]April 23, 2018Revdex.com[redacted]
Re: File Number: [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] Company Name: Progressive Specialty Insurance CompanyMr. [redacted]
Thank you for forwarding [redacted] additional concerns.I can understand that [redacted] is disappointed in the behavior of this agent. I’ve tried multiple times over the last weeks to contact the agent, Darryl [redacted], at Insurance Planning Systems, but have not had a response. This agent no longer represents Progressive or sells our products.Because the policy includes a state SR-22 filing, we would not be able to null/void the policy without proof that [redacted] did not request this policy  or provide a payment to [redacted] to start the policy. If [redacted] feels this is true fraud, and he didn’t request the policy, policy changes or provide a payment to start the policy,  he may want to consider filing a police report to purse the fraud or identity theft.If the vehicles on the policy had coverage elsewhere for the active policy period, and we were providing duplicate coverage on the same vehicle, for the same time period, if  [redacted] provides proof of other coverage, then we’ll remove the vehicles from the policy and calculate any applicable credit.I’ve provided the policy documents and corresponding accounting history for each policy listed. The accounting history reflects the payments received by us and shows that they were applied to the policy premium.[redacted] may want to follow-up with [redacted] directly. Given that a total of five policies were purchased and cancelled over the past two years, it appears obvious that they maintained a business relationship for insurance services. Also, the need for an SR-22 filing is quite specific to the situation of having an accident without insurance, and not a typical scenario for fraudulent policies.At this time, we can take no further action unless additional information is provided by [redacted] to substantiate his allegations of the policies being issued fraudulently. If you have any questions, please call me at [redacted]  Sincerely,Nancy [redacted]Nancy [redacted]Consumer Relations Specialist

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

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

August
26, 2015
 
RevDex.com, Inc.
2800
Euclid Ave, 4th
floor
Cleveland,
Ohio 44115-2408
Attn: [redacted]
 
Re: File
Number: [redacted]
File
Name: [redacted]
Claim
Number: [redacted]
Policy
Type: Personal...

Auto
NAIC
Number: [redacted]
Company
Name: Progressive Specialty Insurance Company
 [redacted],
 
I’m
writing in reply to your letter dated August 19, 2015.
 
On
June 20, 2015, both drivers involved reported this claim to us. [redacted] reported that he was in the process of entering the main
travel isle of the parking lot of the [redacted] in [redacted], when the left front of his vehicle was struck by the
other vehicle involved in the accident. This vehicle was traveling
west in the parking lot. We assigned the claim to Claims
Representative Kathryn D[redacted] of our [redacted] office for
handling.
 
As
part of her liability investigation, Ms. D[redacted] contacted [redacted] and explained the claims process as well as the steps she
would take to investigate liability and determine who was responsible
for the accident. Ms. D[redacted] explained that the law of modified
comparative negligence governs [redacted] automobile accidents and
that she would need to complete a thorough investigation to determine
what if any percentage of liability would rest with either party. [redacted] expressed his expectation that liability would rest solely
with the other driver due to their arrest after the accident. Ms.
D[redacted] confirmed [redacted]’s version of the accident and set up
an inspection of his vehicle. She also explained that she would need
to speak with the other driver, contact the Hotel Manager to see if
their security camera captured the accident, and obtain a copy of the
police report prior to finalizing liability.
 
The
other driver involved in the accident is also insured with us and
reported that he was traveling west in the main travel isle when he
was struck by [redacted]’s vehicle, which was attempting to enter
the travel isle. We assigned this customer’s claim to
Claims
Representative Frank M[redacted] in our [redacted] office for
handling.
 
Mr.
M[redacted] contacted [redacted] to introduce himself and update him on
the steps he would take to finalize liability. Mr. M[redacted] explained
that once we finalized liability he should be in a position to
finalize what portion of his deductible would be returned.
 
Below
are the investigative tasks completed to determine liability:
 
We
obtained statements from both drivers.

We
inspected both vehicles involved in the accident.
We
reviewed photos provided by both parties.

We
reviewed aerial photos of the accident scene from Google Map.
We
reviewed the police accident report.

We
confirmed with the general manager of the [redacted] that their
security camera did not capture the accident.

 
Mr.
M[redacted] finalized his liability position on July 15, 2015, utilizing
each driver’s statement, the points of impact to each vehicle,
photos supplied by each party, and the police report. He also
reviewed aerial photos of the accident location available on Google
Maps. After reviewing the available information, the investigation
confirmed that the other vehicle involved in the accident was
traveling west in the main travel isle of the parking lot when it was
impacted in the right rear quarter panel by [redacted]’s truck.
Mr. M[redacted] found that the physical evidence, which included and
inspection of both vehicles, confirmed that [redacted]’s vehicle was the striking vehicle and the proximate cause
of the accident.
Mr.
M[redacted] decided that responsibility for the accident would rest with
[redacted] for driver inattention and failure to yield the right of
way.
 
We
explained our liability decision to [redacted] and advised that the
other driver’s arrest did not appear to contribute to the accident
because the points of impact to the vehicles confirmed that [redacted] pulled forward to enter the travel isle causing the
accident.
Mr.
M[redacted] explained to [redacted] that he would be unable to reimburse
his deductible because we found him more than 50 percent responsible
for this accident.
 
[redacted]
negligence law 7201 outlines that if a party holds greater negligence
than the other party involved in the accident, they are unable to
recover from that party.
[redacted]’s policy with us only waives Collision deductibles if you
are involved in an accident with another one of our customers and the
applicable deductible is $250 or less, which is outlined on page 39
of his policy.
 
I’m
sorry for any frustration [redacted] has experienced. If you have
questions, please call me at 1-[redacted].
 
Sincerely,
 
Louie
*. C[redacted]
 
Louie
** C[redacted]
Claims
Manager

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.
I did contact [redacted], the lien holder and I forwarded their response to Jeremy [redacted]. I also explained the situation to [redacted] explicitly. I think it is good customer service that they should be held partially responsible, and [redacted] as well. They are or should be in contact with one another. Everyone dropped the ball, and I am left to pay the entire repairs out of pocket for their lack of communication. I paid $5,000 and [redacted] is paying their 20%, and Progressive should followup with the remainder. This is the email I sent to Jeremy and [redacted]/ This is the first email:Jeremy, I contacted [redacted] about this is and enclosed is a copy of the response.To [redacted] Auto 04/14/17I was in an accident on March 29, and I was hit in the front passenger side oft the truck. The other person's insurance is only going to cover 20% of the damages to my vehicle, and my insurance company is researching whether I have comprehensive and collision coverage. From my understanding that it is required to have full coverage on a vehicle when paying for the vehicle. Is there a loan that is available just in case?This is the second response that I sent to Jeremy and the response I received from [redacted].This is the correct response that I received from [redacted] on April 18, 2017. Somewhere, someone has dropped the ball and I have contacted the lien holder. Progressive and [redacted]  never communicated to ensure that had full coverage nor did [redacted] force their own insurance on their property.I would like to be made partially whole. I had to do this research on my own.From [redacted] Auto 04/18/17Hello,We received your inquiry about a loan if the Insurance Company will not cover the damages on the vehicle. Please be informed that we only offer auto loans. We require full coverage when financing an auto loan.For further assistance, please call us at 1-[redacted]-[redacted] (2559), Monday to Friday, 8 am to 11 pm ET and Saturday and Sunday, 9 am to 7 pm ET.Enclosed is the evidence that THEY dropped the ball.
Regards,
[redacted]

March 4, 2015Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: Unknown         Company Name: Progressive Group of Insurance CompaniesMs. [redacted],I’m writing in reply...

to your email dated February 27, 2016. Thank you for the opportunity to reply to Mr. [redacted]’s concerns.Based on the information Mr. [redacted] provided in his complaint, I am unable to locate a policy in his name that we have forwarded to [redacted] and [redacted], our outside collection agency. If Mr. [redacted] can provide additional information such as the entry as it appears on his credit report, the policy number, any previous addresses Mr. [redacted] has had, his driver’s license number, social security number and date of birth, we will gladly review our records again.In his complaint, Mr. [redacted] states he is a victim of stolen identity. If Mr. [redacted] believes a policy was purchased in his name without his authorization, we require a copy of the police report. I’m sorry for Mr. [redacted]’s frustration in this matter. If you have any questions, please call me at 1-440-395-0314.  Sincerely,Lisa F[redacted]Lisa F[redacted]Consumer Relations Specialist

(The following was copy/paste by Revdex.com staff - LST)[redacted]From: [redacted]Date: Thu, Jun 22, 2017 at 11:48 PMSubject: complaint: 12182937To: [redacted]@cleveland.Revdex.com.orgI Want to thank Revdex.com for all your help got my car back today and it was in excellent condition as it once was, I am satisfied with the outcome of the body work. [redacted] even offered a life time warrant on their work completion. I still say it was terrible  I had to go through this extent to get service , however it worked out in the end........Thanks,Ms. [redacted]

Consumer Relations Department 6300 Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] April 14, 2016 Revdex.com 2800 Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: Aisha [redacted] Re:...

File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Northern Insurance Company Ms. [redacted], I’m writing in reply to your letter dated April 8, 2016. We received report of the claim on February 21, 2016. When we spoke with Mr. [redacted] the following day, he voiced his concern that his policy wasn’t showing that it included Collision coverage for his 2008 Chrysler. We’re committed to thoroughly investigating claims and fulfilling our contractual obligations to our customers. We investigated the coverage issue and took Mr. [redacted]’ concerns very seriously. We requested a copy of the recorded call from February 2013, which is when he spoke with our Policy Services Department to add the loss vehicle to his policy. Unfortunately, due to the age of the call, it took time to locate. When we were able to review the call on March 10, 2016, we confirmed that Mr. [redacted] did in fact request full coverage for the vehicle. At that time, we promptly cleared coverage and moved forward with the claim. When I spoke with Mr. [redacted] to address his concerns I agreed to waive his deductible and reimburse his out of pocket rental. We’re sorry for the frustration and inconvenience we caused Mr. [redacted] with adding the vehicle to his policy and for his claims experiences. If you have any questions, please call me at 1-207-245-6556. Sincerely, TJ M[redacted] TJ M[redacted] Claims Manager

May 26, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Garden State Insurance CompanyMs....

[redacted],I’m responding to your letter dated May 18, 2016. Thank you for the opportunity to clarify the situation.On May 15, 2016, another vehicle that was also insured with Progressive struck Ms. [redacted]’ vehicle. Ms. [redacted] was advised on May 17, 2016, that she could use her own coverage to complete the repair process or she could wait for the outcome of the liability investigation on the striking vehicle’s policy. Ms. [redacted] chose to wait for the outcome of the liability investigation on the other party’s Progressive policy and on May 20, 2016 the liability investigation was completed. We are currently handling the repairs to Ms. [redacted]’ vehicle under the at fault parties policy.  If you have any questions, please feel free to contact me at 1-610-249-0507.Sincerely,Peter S[redacted]Peter S[redacted]Claims Manager

Consumer response. See attached document.  In response to the letter sent on January 31st from Progressive Auto insurance/Revdex.com. The letter indicated that payment was received on January 4th our concern is how the payment was received on January 4th and cleared my bank in the same day. Also the letter stated that it was entered in on the 29th of December so they received it before the date stated. The automated system that we have recorded started the payment was received on the 29th so if it was received on the 29th the postmark date was before the 29th. We also spoke with one of their supervisor Ms.Kathy [redacted] and she indicated that the payment went to a bank and was sitting in a lock box..We have attached a copy of the bank statement and a copy of the check.

I am not insured by Progessive.  I am the claimant Progessive claim number [redacted] date of loss 7/26/17.  Progressive insured is [redacted]. Progressive is acting in bad faith. I submitted an inherent DV Claim for $4,500.00.  Progressive  adjuster Richard [redacted]...

provided comp vehi[redacted]  [redacted]  [redacted] Anderson offered me $2,500.00 on March 12th, but again couldn’t provide me with documentation as to how they came up with that figure.  In Texas I can file a small claims case for a maximum of $10,000.00.  I told both Richard and John that I would persue that $9,612.50 plus loss wages for a total of $10,000.00 using the comp vehicles they provided me.  I am willing to negotiate with Progressive for $5,000.00.  That is my final offer.  Next step litigation with Mr [redacted] for the full $10,000.00 which after providing Progressive’s documentation I have been advised by my retained counsel I will win in small claims court. I have also reached out to a couple local media outlets and they have expressed an intrest in my claim  Regards,

August
7, 2015
 
 
RevDex.com
2800
Euclid Avenue - 4th
floor
Cleveland,
OH 44115
Attn:
[redacted]
 
Re: File
Number: [redacted]
Customer
Name: [redacted]
Policy
Number: [redacted]
Policy
Type: Personal...

Auto
NAIC
Number: [redacted]
Company
Name: Progressive Northwestern Insurance Company
 
 
[redacted],
 
I'm
writing in reply to your email dated August 4, 2015.
 
Ms.
Shirley canceled her policy effective July 20, 2015, therefore; on
July 23, 2015, we issued her a $64.09 refund to her
Electronic Funds Transfer (EFT) account number that is currently
listed on her policy. Even though [redacted]’s last method of
payment was a credit card, policies on the EFT method of payment are
programmed to issue refunds to the EFT bank account on file.
 
If
[redacted]’s EFT account is closed, she must contact the financial
institution to obtain the refund directly from them.
 
I’m
sorry for the misinformation we provided to [redacted] regarding the
refund method. If you have any questions, please contact me at
1[redacted].
 
Sincerely,
 
Lisa
F[redacted]
 
Lisa
F[redacted]
Consumer
Relations Specialist

January 5, 2016  Revdex.com 2800 Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: [redacted] Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive...

Direct Insurance Company Ms. [redacted], I'm writing in reply to your letter dated December 29, 2015. Mr. [redacted] presented a property damage claim for Diminution of Value (DOV) to his 2015 GMC Durmax on November 18, 2015. At that time, he’d obtained a quote from a dealership to get their opinion on the truck’s value since it was involved in an accident. Mr. [redacted] advised Claims Representative Sara O[redacted] that the dealer indicated his vehicle’s value after being involved in an accident was $43,000. He also advised he paid $67,500 for the vehicle 15 months prior to the accident. Dealerships are in the business to make a profit and will quote an amount based on trade-in value, which represents a wholesale vehicle value, not a retail sales value. Ms. O[redacted] reviewed the claim with her immediate supervisor and several other managers, including myself, in our Denver claims branch. Our position is that Mr. [redacted] hasn’t incurred a DOV to his vehicle since the dealer’s opinion is speculative and his loss hasn’t been proven or realized. However, as a courtesy and in an effort to compromise, we offered to resolve his DOV claim for $1000, which he declined. There are additional factors to consider with respect to a DOV claim. The value of a vehicle depreciates on a daily basis through normal wear and tear and mileage placed on the vehicle. To our knowledge, Mr. [redacted]’s vehicle was repaired to pre-loss condition using all GM parts at a repair facility that he selected.  In a conversation on December 4, 2015, with Ms. O[redacted]’s supervisor, Audrey W[redacted], Mr. [redacted]’s wife acknowledged that the dealership likely didn’t give an accurate account of the value since they wouldn’t put the information in writing. Mr. [redacted]’s wife also advised Ms. W[redacted] that he was considering getting an appraisal of the vehicle. Ms. W[redacted] clearly advised Mrs. [redacted] that we wouldn’t reimburse him for the cost of the appraisal, nor could she guarantee that it would change our position. Mr. [redacted] hasn’t provided any additional documentation regarding his DOV claim. I'm sorry that Mr. [redacted] doesn’t agree with our decision not to consider the amount he feels we owe for the DOV to his 2015 GMC Durmax. We stand ready to settle Mr. [redacted]’s claim for $1, 000 as previously offered. If you have any questions, please call me at 1-303-334-1822. Sincerely, Jennifer G[redacted] Jennifer G[redacted] Claims Manager

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.  I have found better coverage that includes comp, collision, and roadside, along with the minimums required by the State of Illinois, for $24.37 a month.  I no longer need the help of the Revdex.com.  However, I do intend to tell my story about the unfair treatment by Progressive to anyone and everyone I come in contact with.Thank you for your assistance.  Please inform Progressive I will be informing my state AG office/Insurance Division to withdraw my complaint with them; however, I will ask they keep in on record.
Regards,
[redacted]

November 22, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted]   Customer Name: [redacted]   Claim Number: [redacted] Policy Number: [redacted]  Policy Type: Personal Auto NAIC...

Number: 155-21727  Company Name: Progressive Universal Insurance Company [redacted],We’re writing in reply to your letter dated November 14, 2016. We appreciate the opportunity to clarify the situation. On June 13, 2016, [redacted] purchased a six-month policy with us for his 2001 Ford Explorer using our self-directed website. At that time, he provided his bank account information to have his monthly payments withdrawn automatically via Electronic Funds Transfer (EFT). On July 21, 2016, we received notification from the bank that they would not honor the July payment we attempted to withdraw because they could not locate the account using the information [redacted] provided at the time of his policy purchase. Because of this, we removed the EFT billing option from the policy and applied a $20 returned payment fee. On July 22, 2016, we received a credit card payment from [redacted] to satisfy the July payment. On August 1, 2016, [redacted] called about his concerns with the Snapshot® device. We informed him that we would end his participation in our Snapshot Program and asked that he return the device to us. We offered to set up a claim for him at that time, which he declined. As a courtesy, we waived the $20 returned payment fee.On September 16, 2016, we applied a $50 fee for the unreturned Snapshot device.On October 16, 2016, [redacted] called to cancel his policy. We explained that a balance of $65.13 remained on the policy because of the Snapshot device fee of $50 and an additional $15.13 for the coverage we provided until the date of cancel. [redacted] stated that he returned the device and expressed that he did not want any further communications from us. On October 25, 2016, after receiving the Snapshot device, we reversed the $50 fee. This left a remaining balance of $15.13. On November 14, 2016, after receiving your letter, we set up a claim on [redacted]’s behalf to investigate any possible vehicle issues related to the Snapshot device. We’ve attempted to contact [redacted] several times to discuss the claim via email and telephone. We need to speak to him to explain the claims process and to gather additional information regarding the claimed damage to his vehicle. The claims representative assigned to [redacted]’s claim is Deanne M[redacted], and he can reach her directly at 1-440-910-2172. We received two payments via credit card from [redacted] in August and did not update the EFT account information or attempt any further payment withdrawals via EFT after removing this billing option from the policy in July. However, in consideration of [redacted]’s billing concerns, we’ve waived the balance of $15.13. We will continue our attempts to contact [redacted] regarding his claim and anticipate an amicable resolution. I’m sorry for any frustration caused. If you have policy questions, please call Anna O[redacted] at 1-440-910-6392. If you have claim questions, please call Meegan S[redacted] at 1-440-910-7896.Sincerely,Anna O[redacted] Meegan * S[redacted]Anna O[redacted] Meegan *. S[redacted]Consumer Relations Specialist Claims Supervisor

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.
,First of all my policy expired Jan 2 2016 so the fact it's says 90 days shows how much effort has been put into this, and [redacted] was not polite at all. Let's review that call together. My bill should be zero. And we can all move on. 
Regards,
[redacted]

July
21, 2015
 
RevDex.com
2800
Euclid Avenue, 4th Floor
Cleveland,
OH 44115
Attn:
[redacted]
 
Re: File
Number: [redacted]
Customer
Name: [redacted]
Claim
Number: [redacted]
Policy
Number: [redacted]
Policy
Type: Personal Auto
NAIC
Number: [redacted]
Company
Name: Progressive Garden State Insurance Company
 
 
[redacted],
 
I’m
writing in response to your follow up letter dated July 14, 2015.
 
As
stated in my original response, we are working with [redacted] to
address and rectify her concerns with the repair work completed to
her [redacted]. As of our last conversation with [redacted],
we had offered to pay for a safety check of her vehicle at the shop
of her choice. We are waiting to hear back from her regarding this,
as she wanted to speak with her fiancé before committing to a safety
inspection.
 
In
response to [redacted]’ other concern, Chris ** S[redacted] is the
manager for this territory and is [redacted]’ primary point of
contact for resolution of this claim. I, as well as Mr. ** S[redacted]
direct manager, will continue to oversee the resolution of the claim
and will remain available for any questions or concerns. I reached
out to [redacted] this morning to explain my role and how I can be
of assistance in resolving her claim concerns.

If
you have any questions, please feel free to call me at
1-[redacted].
 
Sincerely,
 
Scott
W[redacted]
 
Scott
W[redacted]
Claims
Manager

December 21, 2015Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted]Company Name: Progressive...

Direct Insurance Company[redacted],I’m responding to your letter dated December 16, 2015. Thank you for the opportunity to clarify the situation.[redacted]’s most recent policy period was from December 11, 2014 to June 11, 2014. I have enclosed a copy of her entire accounting history. Please review this time period on the documents enclosed. Multiple times during this period [redacted] had issues with late payments and payments that were not honored by her bank. We did issue a credit to the policy for a rate change in May of 2015 when she changed the policy address. This credit    (-$54.61) updated her final installment bill for the policy from $403.13 to $348.50. A corrected invoice was issued on May 6, 2015 for the amount. [redacted] made a payment via credit card on May 14, 2015 for $39.64 and we issued a credit of -$15(courtesy waive of a $10 late fee and $5 installment fee) which reduced the final payment balance to $318.86.The balance due of $318.86 was to pay for coverage provided until the policy expiration date of June 11, 2015. A final invoice was sent on July 1, 2015, requesting payment. Because we didn’t receive payment, the balance was turned over to our collection vendor.If [redacted] obtained other insurance coverage prior to June 11, 2015, and she provides documentation of the coverage, we will revise our policy cancellation date and credit the remaining balance accordingly. She can fax the information directly to me at 1-[redacted], please be sure to note her policy number on the documents.We respectfully deny her request to remove the balance due as it is valid. If she’d like to make payment arrangements with our collection vendor, they would be happy to speak with her to make arrangements. She can contact Credit Collections Services at 1-[redacted].I’m sorry for any inconvenience this has caused [redacted]. If you have any questions, please call me at 1-[redacted].Sincerely,Nancy A[redacted]Nancy A[redacted]Consumer Relations Specialist

Consumer Relations Department
6300 Wilson Mills Road, N71C
Mayfield Village, OH 44143
Fax: 1-888-569-8942
[email protected]
April 14, 2016
Revdex.com, Inc.
2800 Euclid Avenue, 4th Floor
Cleveland, OH 44115-2408
Attn: [redacted]
RE: File Number: [redacted] Customer Name: [redacted]
Claim Number: [redacted] Policy Number[redacted] Policy Type: Personal Auto
NAIC Number: [redacted] Company Name: Progressive Southeastern Insurance Company
Ms. [redacted],
I’m writing in response to your follow up letter dated April 7, 2016.
Mr. [redacted] does have an Agreed Value policy of $19,000. While this fact is not in
dispute, the damages to his [redacted] are excluded under his motorhome policy
form #[redacted] (08/10).
As Mr. [redacted] states in his correspondence on April 5, 2016, he wasn’t aware of the
need to apply UV protectant to the roof and wasn’t provided the owner’s manual
when he purchased this used vehicle. While I understand that Mr. [redacted] was
maintaining the roof to the extent he thought necessary, the condition of the roof
at the time of our inspection revealed it hadn’t been properly-sealed/serviced and
had already allowed water to enter the unit. I’ve enclosed some additional pictures
for your review that support this, showing the dry-rotted wood under the rubber
roof membrane, dark water staining inside the unit and the soft/sagging ceiling
panels inside the unit. Again, our position is that this roof is beyond its life
expectancy and in need of replacement.
Mr. [redacted]’s motorhome policy, form #[redacted] (08/10) states on page 20-22;
“Coverage under this part IV will not apply for loss:
8. to any vehicle that is due and confined to:
a. wear and tear;
b. prior loss or damage;
c. manufacturing defects;
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d. improper or lack of routine maintenance, or failure to perform
maintenance as prescribed by the manufacturer;
e. contamination, pollutants, odors, sewage, or waste;
f. freezing;
g. gradual accumulation of snow or ice on a vehicle;
h. scorching, marring, scratching, or breakage of internal equipment or
furnishings whether permanently attached or not. However, this exclusion does not
apply to:
(i) scorching, marring, scratching or breakage caused by malicious mischief,
vandalism, riot, civil commotion, fire, or lightning; or
(ii) breakage of glass which is permanently a part of or attached to the covered
vehicle ;
I. mechanical or electrical breakdown or failure; or
j. road damage to tires.
This exclusion does not apply if the damage results from the theft of a vehicle;
9. to any vehicle caused directly or indirectly by any of the following:
a. water leakage or seepage unless caused by any other loss covered
under this Part IV;
b. wet or dry rot;
c. rust or corrosion;
d. dampness of atmosphere or extremes of temperature; or
e. deterioration
If you have any questions, please feel free to contact me at 1-240-500-3508.
Sincerely,
Syd P[redacted]
Syd P[redacted]
Claims Manager