Progressive Corporation

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.
From: [redacted]Date: Fri, Aug 7, 2015 at 12:40 PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint #[redacted].To: [redacted]Good Afternoon [redacted],I greatly appreciate your efforts to resolve this issue. I read the attachment to the email that you sent me. Ms. Julie C[redacted] letter to the Revdex.com states the facts and I have no issues with it in ref to their decision.However, my complaint was in reference to the service that I received from  Derek I[redacted], Claims Generalist. Derek was unprofessional, interruptive and bullying during his calls with me in reference to this accident claim.  In fact, speaking with Stacy A[redacted] Senior Customer Claims Representative with [redacted] who is currently handling this accident case now, she stated that when she contacted Progressive Insurance to request information on the case she was hug up on by another progressive representatives. One will expect a much better, professional and curtious service from a reputable insurance company of course! I have never seen anything like it! Progressive needs to revisit their services and make adjustments as needed to serve the people but not to bully them! Thank you again,[redacted]
Regards,
[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 This agent no longer represents Progressive or sells our products.Because the policy includes a state SR-22 filing, we would not be able to null/void the policy without proof that [redacted]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

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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Quote from Progressive: "Ms. T[redacted]At your requests, we made two additional attempts to reach Mr. M[redacted] by phone and two additional attempts by email with no response. Currently we consider this claim closed, but if Mr. M[redacted] presents additional information to support his claim we’ll be happy to review the information provided.Sincerely,Scott [redacted]Scott W[redacted]Claims Manager"The above statement is a flat out lie. The facts have been presented and Progressive will be held accountable for the damages to our vehicle. The vehicle has been well maintained and now it is destroyed. Progressive is refusing to complete the repairs because they provide shoddy incomplete work in order to steal from the customers. All the facts have been presented there is no further need for any documentation. The vehicle has been inspected several times and all parties involved know that this is WRONG. The vehicle was never inspected or repaired completely from the start. In fact the moment we dropped the vehicle the Progressive Claims Center in Rutherford, NJ completely disregarded the damages.  When something happens as a result PROGRESSIVE will be held accountable.Thank-You![redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]February 28, 2018Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]  Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted]Company...

Name: Progressive Direct Insurance CompanyMr. T[redacted]Thank you for sending us Mr. S[redacted]’s concerns with our coverage denial. I hope the following is helpful to explain why we denied his claim.   On October 7, 2017, Mr. A[redacted] bought a policy with us on our website. He chose Bodily Injury Liability, Property Damage Liability, Uninsured/Underinsured Motorist Bodily Injury, and Comprehensive Coverage. He didn’t choose Collision coverage. If a customer indicates that they lease and/or make payments on their vehicle, we provide a recommended coverage package that includes Comprehensive and Collision coverage. Our online quoting system provides a link explaining that their finance company may require Comprehensive and Collision coverage. I’ve included an example of what a customer sees when purchasing a policy online.Mr. A[redacted] signed the Application for Insurance electronically, and we issued several Coverage Summary Pages showing the coverages he requested. All indicate that no Collision coverage was purchased since the policy start date of October 7, 2017. I certainly empathize with Mr. A[redacted]s situation, and I’m sorry we can’t honor the request to pay for the damages to his vehicle. We must honor the type of coverage he chose to purchase. If you have any questions, please call me at [redacted]. Sincerely, Lisa F[redacted] Lisa F[redacted]Consumer Relations Specialist Enclosures

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 just want to add that Revdex.com did an excellent job and I'm extremely happy for your services.
Regards,

(The following was copy/paste by Revdex.com staff - [redacted]July 3, 2017Revdex.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 CompanyMr. [redacted],I’m responding to your letter dated June 19, 2017. Thank you for the opportunity to clarify the situation.Mr. [redacted] reported a loss on May 27, 2016. We completed a liability investigation that consisted of securing a recorded statement from both drivers and a review of vehicle damages. Because there was no police report filed or any witness information provided from either driver, this was the only information available to render a liability decision. This incident, to the best of our knowledge, is a word versus word liability dispute, with no clear independent evidence to render either driver at fault. Our conclusion, therefore, is that neither driver was at fault, and each would handle their damages under their own policy. On July 22, 2016, we contacted Mr. [redacted] and communicated our final liability decision of word versus word. We offered to reduce his deductible by 50% and to assist in setting the repairs to his vehicle. Mr. [redacted] stated he was not in a position to get his vehicle repaired at that time. We informed him that we would contact him in a few weeks to follow up and see if he is ready to begin repairs.  On September 12, 2016, we attempted to contact Mr. [redacted] to schedule repairs, and we were not able to make positive contact. We closed the claim without payment. At that time, our liability decision was that neither driver was at fault for the loss.  On June 21, 2017, we contacted Mr. [redacted] and scheduled his repairs for the damaged caused in the May 27, 2016 accident. Regarding Mr. [redacted]’s complaint about reporting inaccuracies, we do share claim information with [redacted], who in turn shares the information with us and other companies that subscribe to their service. We only report the date of accident, name of the policyholder, name of the driver, and the amount paid under each specific coverage. We do not report fault. Each company uses their own underwriting criteria to evaluate the information shown on the [redacted] report. Our report of the accident to [redacted] and their [redacted] reporting system was valid and accurate. We cannot account for how other companies interpret the information provided using their underwriting guidelines, but we are happy to provide a letter, if needed, giving the details of the incident for Mr. [redacted]’s records and future use.As far as Mr. [redacted]’s concern about his policy price, we’ve reviewed his information about the points listed on his motor vehicle report (MVR) and policy for rating. He did send in a court document that showed he attended court, and a traffic citation was dismissed upon him agreeing to the conditions set forth by the court. Prior to this time, Mr. [redacted]’s MVR showed two speeding citations: April 4, 2014, and November 12, 2014. The court document did not show a date of the dismissed violation so we removed the most recent November 12, 2014 violation, as to benefit Mr. [redacted], because at his recent renewal, the April 4, 2014 violation was beyond our chargeable period. We removed the charge and points from our policy, effective the court dismissal date of November 8, 2016, and credited Mr. [redacted]’s policy accordingly. His current payment is now approximately $86 per month. I’ve included a copy of the current payment schedule for your review and sent copies of the confidential policy documents directly to Mr. [redacted] via USPS mail.It should be noted that I did run Mr. [redacted]’s MVR today, and the November 14, 2014 speeding violation still appears on his record, with a recorded two points being applied by the state of Ohio. We will continue to omit the incident from his insurance driving history as a courtesy, because we’ve already made that commitment to Mr. [redacted]; however, I’ve sent Mr. [redacted] a copy of the MVR for his review, just in case he would like to follow up with the Bureau of Motor Vehicles for Ohio, as he seems to be of the impression that he has no points on his record.I’m sorry for the confusion and frustration this situation has caused Mr. [redacted], and I hope this better explains the situation. If you have any claims questions, please call Brian Norris at 234-208-4025, and if you have any policy questions, please call Nancy Ashmore at 440-620-6943.Sincerely, Sincerely,Brian Norris Nancy AshmoreBrian Norris Nancy AshmoreClaims Manager 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;
Page 2
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

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.

(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]

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

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,

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.All Progressive sent me was a timeline of when they contacted me over the course of my claim. I already have all of that information. They also said that they are offering me the best rate that they have and apologized for my frustration.  I do not believe that they care about my needs as a costumer and do not accept this as a resolution. I come to my own resolution and have decided to cancel my insurance once my policy is up.  Regards,
[redacted]

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

August 23, 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 County Mutual Insurance CompanyMs. [redacted],I’m writing in reply to your follow up dated August 17, 2016. I’m sorry to hear of Ms. [redacted]’s continued discontentment with the current amount due. The amount is valid and due immediately unless proof is sent. If Ms. [redacted] chooses to not send proof, this is her choice, however payment for the services we provided are valid. We do not offer month to month policies. Ms. [redacted] policy started on May 30, 2016, and was supposed to expire on November 30, 2016, before it canceled for nonpayment on July 15, 2016.Typically these accommodations are not granted, but I am willing to work with Ms. [redacted] if she chooses to do so. There is no further follow up after this communication and this offer is valid until September 1, 2016.  If you have any questions, please call me at 1-440-395-6877.  Sincerely,Rose V[redacted]Rose V[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.
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]

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]

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.
,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]

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