Progressive Corporation

July 3, 2015Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted]Customer Name: [redacted]Claim Number: [redacted]Policy Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted]Company Name: Progressive Paloverde...

Insurance Company[redacted],I’m writing in reply to your letter dated June 26, 2015. Thank you for the opportunity to clarify the situation.In review of [redacted]’s policy history, his Collision coverage deductible has been $1,000 since he purchased the policy on December 3, 2014. While he has made changes to his policy since that time, these changes did not involve his Collision deductible. Based on this, we are unable to waive his $1,000 deductible for the damages that occurred in this loss.We have inspected [redacted]’s vehicle and are working with him on finalizing the repairs. Liability is currently under dispute, and our claims representative has encouraged him to use his coverages for repairs.I’m sorry for any inconvenience [redacted] has experienced. If you have questions regarding the policy, please call Anna O[redacted] at 1-[redacted]. If you have questions regarding the claim, please call me at 1-[redacted]Sincerely,Mira M[redacted]Mira M[redacted]Claims Manager

October 30, 2017    Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: Lou [redacted] Re:     File Number:          ...

[redacted]          Customer Name:     [redacted]          Policy Number:        [redacted]          Policy Type:            Personal Auto          NAIC Number:        [redacted]          Company Name:     Progressive Direct Insurance Company Mr. T[redacted]  I’m writing in reply to your email dated October 21, 2017.  I’ve reviewed Ms. M[redacted]’s policy and found that we did in fact advise her we could reduce her coverage to Comprehensive only while she was out of town. I’m sorry that our representative errored in telling her we could offer her this option. We only offer this option to our customers who are away because they are in the military. I understand Ms. M[redacted] was expecting that her payments would decrease. If she incurred any overdraft fees because her account was overdrawn, she can send the documentation to me and I’ll be happy to reimburse her.  Again, I apologize for the frustration we caused Ms. M[redacted]. Please know we’ve forwarded the appropriate feedback to our representative. If you have any questions, please call me at [redacted]
 Sincerely, Lisa [redacted]                  Lisa F[redacted]                     Consumer Relations Specialist

Please see our response attached.Business response copied and pasted below by Revdex.com staff MT 2/1/17:January 30, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, Ohio 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy...

Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMs. [redacted],I’m writing in reply to your January 23, 2017 inquiry. I appreciate the opportunity to address Mr. [redacted]’s concerns and clarify the situation.After reviewing Mr. [redacted]’s complaint and the policy history, I’ve made a business decision to add the Five Year Accident Free Discount onto the policy. A refund in the amount of $83.55 will be mailed under separate cover. The refund is schedule to me mailed on February 6, 2017. Mr. [redacted]’s policy is now paid in full until April 1, 2017, when it expires.I’m sorry for any frustration Mr. [redacted] experienced, it wasn’t our intention.If you have any questions, please call me at 1-440-620-6941. Sincerely,Eva D[redacted]Eva D[redacted]Consumer Relations Specialist

[redacted]May 2, 2017Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: [redacted]Re: File Number: [redacted] File Name: John [redacted] Claim Number: [redacted]Policy Type: Personal Auto NAIC Number: [redacted] Company...

Name: Progressive Northern Insurance Company      Mr. [redacted],I’m writing in response to your letter dated April 26, 2017. Thank you for making us aware of Mr. [redacted] concerns. I understand that he doesn’t agree with our settlement offer for the total loss of his 2003 Saturn Vue. Here’s a summary of our claim handling.On October 4, 2016, Mr. [redacted] was involved in an accident with our customer, Daniel [redacted]. We investigated the claim and accepted liability on Mr. [redacted] behalf.On October 24, 2016, we inspected Mr. [redacted] vehicle and deemed it a total loss. We immediately reimbursed Mr. [redacted] for his out of pocket tow bill expenses and for a copy of the police report. (Both payments cleared on November 2, 2016). In lieu of a rental vehicle, Mr. [redacted] asked that we pay him for the loss of use. We paid him $200 for the loss of use as requested. (This payment cleared on October 31, 2016). Mr. [redacted] 2003 Saturn was appraised using a state approved methodology that considers the year, make, mileage, packages and/or aftermarket options, and the current condition of the vehicle. This information is then used with a market survey of comparable vehicles (same year/make/model) that are currently available for sale, or had been sold within the last 60 days.       On October 25, 2016, our claim representative reviewed our settlement offer withMr. [redacted], but he refused our offer. Mr. [redacted] told us he wouldn’t accept that his vehicle was considered a total loss and wanted us to pay to have the vehicle repaired. We tried to work with Mr. [redacted] to resolve his concerns on October 26, 2016, October 28, 2016, and again on October 31, 2016.  On November 2, 2016, Mr. [redacted] sent an email letting us know that he’d secured an independent appraisal of his vehicle that showed it was valued at $600 more than our valuation. He asked us to “split the difference” and pay him an additional $300 for the settlement of his claim. We asked Mr. [redacted] to send us a copy of this independent appraisal so we could review it, but he refused. On November 2, 2016 and November 3, 2016, we left messages for Mr. [redacted] asking him to call us. We didn’t receive a response.On November 4, 2016, we spoke to Mr. [redacted] and tried to discuss settlement options with him. Mr. [redacted] told us that he was getting an attorney and asked to speak with the vehicle appraiser. On November 8, 2016 and November 9, 2016, our appraiser called Mr. [redacted] and left him messages. Mr. [redacted] didn’t return the calls. On November 10, 2016, we sent Mr. [redacted] an email letting him know that we’d like to review his concerns and resolve his claim. Mr. [redacted] responded stating that he’d gather the information. We tried to reach Mr. [redacted] again on November 17, 2016, November 21, 2016, November 28, 2016, and November 30, 2016, but didn’t receive a response.On November 30, 2016, we sent Mr. [redacted] a letter letting him know that we were closing his claim because we didn’t hear back from him. We’ve explained to Mr. [redacted] that we’d be open to review the independent appraisal on his vehicle’s value. Unfortunately, he’s refused to send us the information. While Mr. [redacted] insists that his vehicle was in “excellent” condition, we have photos that confirm damage to numerous interior components, paint and body damage, and an obvious engine leak. These items impacted the overall value of his settlement.Pursuant to NH RSA Ins. 1002:15, we’re obligated to compensate Mr. [redacted] for the fair market value of his vehicle at the time of the loss. We feel that we’ve done this using a state approved methodology. As explained above, we already compensated Mr. [redacted] for the loss of use of his vehicle. We wouldn’t be responsible for any “extended loss of use of the vehicle” because the delays in settlement have been caused by Mr. [redacted]s refusal to provide the information we asked him to send, despite our numerous attempts to resolve his claim.  At this time, we remain open to discuss settlement of Mr. [redacted] total loss claim. We’re happy to review any additional documentation that he can provide to suggest that our valuation is inaccurate. We’re still willing to honor our previous settlement amount and work with Mr. [redacted] to resolve this claim.I’m sorry for the inconvenience Mr. [redacted] experienced because of this loss. If you have any questions or concerns, please feel free to call me directly at [redacted].Sincerely,Elizabeth [redacted]NH MRR Supervisor

Attached is the response for file #[redacted]

June 5, 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 1, 2015.We appreciate the opportunity to clarify the situation. [redacted] chose to have his policy payments electronically drafted from his checking account on an Electronic Funds Transfer (EFT) bill plan. On March 4, 2015, we sent an EFT notification advising [redacted]i of his March 14, 2015, payment. On March 25, 2015, we removed EFT and the policy increased $17.06.On March 29, 2015, we received a nonsufficient notice for the March 14, 2015, payment. We added a $20 Return Payment fee. That same day, we sent out a Cancel Notice effective April 9, 2015, for $109.13.On April 5, 2015, [redacted] called us and stated he had been a victim of identity theft. He advised that [redacted] had closed his account and that he would call in the next day to make his payment. On April 7, 2015, [redacted] called us and stated that he had not received his new bank account information. He advised that he would make a payment before the cancel date. Page 2On April 9, 2015, [redacted] called us again without a payment and asked us for an extension of this cancel date. We made an accommodation to extend his date to April 16, 2015. On April 16, 2015, he called us and made a payment. We we reinstated his policy. Because the payment collected during this reinstate was the March 14, 2015, payment, he immediately received another bill for April and May. On April 28, 2015, we sent a bill for $ 237.64 due by May 14, 2015. Because this payment was not made, we sent a Cancel Notice effectiveMay 28, 2015. On May 28, 2015, [redacted] called us and we made another accommodation to extend this cancel to May 29, 2015. On May 31, 2015, [redacted] called us and asked for another accommodation. He wanted to make a partial payment originally due on May 29, 2015. He stated his father was in the hospital and that he’s finances were depleting due to those medical bills. We denied his request and are unable to make any further billing accommodations on this policy. [redacted]’s policy would have a normal monthly payment of approximately $118. The policy continued to fall behind during the time it remained active and, therefore, a bill for two months were sent on the last billing cycle. Currently, the policy is canceled and the amount due for $216.62 is valid and due by June 14, 2015. I’m sorry for any inconvenience this situation has caused [redacted]. If you have questions, please call me at 1-[redacted]  Sincerely,[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 have attached pictures from the incident that night, Progressives client [redacted] damaged my car with his wheel as he side swiped me that night. My kids are witnesses to that incident and are old enough to make a statement.  So of course you would not see any damage as my car is low to the ground and his car is really high.  The damaged caused was by his wheel when he ran me off the road that night.  And of course he would deny any wrong doing as he ran from the scene and sped off as if nothing had happened when I honked at him and had to follow him in order to get his tag number.  This needs to be repaired by Progressive as your client caused damage and is lying about it.  
Regards,
[redacted]

[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,
Joseph [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,
Brien [redacted]

April 8, 2016Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted]   File Name:   [redacted]  Claim Number: [redacted]   Policy Type: Personal Auto  NAIC Code: [redacted] Company Name: Progressive Specialty Insurance Company    Ms. [redacted],I am writing in reply to your inquiry dated March 31, 2016. Thank you for the opportunity to clarify the situation. I understand Ms. [redacted]’s frustration during this process, but we have not received documentation indicating the value of her vehicle diminished due to the accident. She is asking for pre-payment toward a potential and unsubstantiated loss.All of Ms. [redacted]’s claims of diminished value are still speculative:If her car would receive less in trade-in than she speculates she is entitled to, then what documentation is there that this diminished value is a result of the accident? If we returned the vehicle to pre-accident condition after repairs, which Ms. [redacted] indicates happened; a diminished value would not exist. What is Ms. [redacted] basing the perceived value of her car on, other than speculation about the trade in value pre and post-accident? Trade-in value does not necessarily equal market value. Market value specifically takes options like mileage, condition, etc. into account. During a trade in, these are not specifically considered. It is appropriate to consider a car’s market value, rather than its trade-in value, if we were to consider a diminished value claim. Ms. [redacted] has not provided documentation that her vehicle is on [redacted], which is the primary basis of Ms. [redacted]’s claim. We will continue to consider Ms. [redacted]’s claim if documentation is provided. At this time, Ms. [redacted] has not proven diminishment of value. If you have any questions, please call me at 1-484-714-3331Sincerely, Bobbi B[redacted]Bobbi B[redacted]Claims Manager

May 13, 2016 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 Premier Insurance Company of Illinois Ms. [redacted], I'm writing in reply to your letter dated May 6, 2016. I'm sorry for the frustration Ms. [redacted] experienced. We want to provide virtu[redacted] perfect customer service on every claim, and I’m sorry that we didn’t meet either of our expectations. From both of our perspectives, there were delays in the claims process and confusion on where we should send the payments. Per our records, Ms. [redacted] submitted a theft claim with a reported date of loss of October 31, 2015. We had to complete an initial investigation to confirm the reported facts of loss. The vehicle was recovered on November 3, 2015. We had to inspect the vehicle and confirm how the vehicle was stolen and consulted with one of our forensic experts. We also had a few material parties that we needed to contact, such as the vehicle’s co-owner, [redacted] and John Lewis, to help confirm the reported facts of loss. Unfortunately, there were some delays in obtaining their phone numbers and reaching them, which delayed the overall claims handling. We also had some delays in obtaining some required total loss paperwork from Mr. [redacted], as initi[redacted] he didn’t complete the paperwork correctly, and we had to resend it to him to make the proper corrections. To clarify, we had to speak to Mr. [redacted] as he’s considered a material party in our investigation; he is the co-owner of the vehicle and does have an insurable interest in the vehicle. We deemed the 2011[redacted] a total loss and resolved the claim as a total loss once we obtained all of the required total loss paperwork on January 8, 2016. We contacted the lienholder, [redacted] Bank, to obtain a letter of guarantee and issued payment to them for $9,819.58, which cleared our bank on January 20, 2016. We also issued a draft of $1,000 to Ms. [redacted], only for custom parts and equipment coverage, which cleared our bank on February 16, 2016. The last draft we issued on Ms. [redacted]’ behalf was $2,618.16, payable to Ms. [redacted] and the co-owner, [redacted]. We’re sorry that we sent Ms. [redacted]’s drafts to her old address. Per Ms. [redacted]’s conversation with Claims Supervisor Jeff G[redacted] on January 19, 2016, she was waiting for the $1,000 and $2,618.16 drafts, and she’d contact us if she didn’t receive them. We didn’t hear back from Ms. [redacted] after attempting to call her several times. We heard from Ms. [redacted] on April 18, 2016, when she told Mr. G[redacted] that all of the drafts were received except for the $2,618.16. Mr. G[redacted] contacted our Draft Control department and learned that [redacted] Bank allowed Mr. [redacted] to endorse and cash Ms. [redacted]’s draft, which cleared on February 1, 2016, without her signature. We’ve since provided Ms. [redacted] with the required missing endorsement affidavits for her to complete in an attempt to retrieve the money from [redacted]. We appreciate Ms. [redacted] sharing her feelings and we apologize again, for how we handled her claim. If you have any questions, please call me at 1-269-459-3457. Sincerely, Kristine Y[redacted] Kristine Y[redacted] Claims Manager

[redacted] [redacted]September 13, 2017Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: Lou [redacted]Re: File Number: [redacted] Customer Name: James [redacted]Policy Number: 911291296 Policy Type: Personal Auto NAIC Number:...

155-37605 Company Name: Progressive Marathon Insurance Company      Mr. [redacted],I’m writing in response to your letter dated September 6, 2017. Thank you for forwarding Mr. [redacted]’s concerns about the balance due on his policy. I’ve reviewed the policy and appreciate the chance to explain what happened and why we referred the balance to collections.On July 20, 2017, we canceled the policy at Mr. [redacted]’s request and sent him a bill for the remaining balance due of $428.72. We charged $2,249.22 for coverage from February 26, 2017 to July 20, 2017, $20 in installment fees and $140.90 for Michigan Catastrophic Claims Association (MCCA) fees, for a total of $2,410.12. Mr. [redacted] paid $1,981.40, leaving a balance due of $428.72.On August 9, 2017, we sent Mr. [redacted] a second bill for $428.72, which explained that failure to pay the remaining balance would result in a referral to collections.On August 18, 2017, Mr. [redacted] did contact us via a Chat session, asking why he had a balance due. We explained the reason for the balance, and let Mr. [redacted] know that he could make payments toward the balance, because it hadn’t been turned over to collections yet. We again explained that we send two notices before we refer to collections. Mr. [redacted] made a payment of $50 that day, and on August 29, 2017, we referred the remaining balance to collections. Then, on September 1, 2017, Mr. [redacted] paid $378.72, satisfying the balance owed. I’m sorry for the misunderstanding. If you have any questions, please call me at [redacted]. Sincerely, Rose [redacted]Rose [redacted]Consumer Relations Specialist

January 19, 2016Revdex.com, Inc.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: [redacted]       Company Name: Progressive Advanced Insurance Company Ms. [redacted],I’m writing in reply to your letter dated January 15, 2016. I appreciate the opportunity to clarify the situation.On August 10, 2015, Mr. [redacted] reported a claim with us. The fact of the loss is that he hit a tire tread (retread) with the front of his vehicle. The damages to the center lower edge of Mr. [redacted]'s vehicle bumper is consistent with the facts of loss as reported. However, the damage being claimed to the left front hub cap isn't consistent with the facts of loss. Therefore, we are unable to pay for this as part of the loss. I'm sorry for the inconvenience caused. If you have any questions, please call me at 1-520-918-8674. SincerelyDavid S[redacted]David S[redacted] Claims Manager

August 8, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Garden [redacted] Insurance CompanyMs....

[redacted],I’m responding to your letter dated August 4, 2016. Thank you for the opportunity to clarify the situation.I have reviewed Mr. [redacted]’ claim and I’m sorry for any breakdown in customer communication and service. It’s our goal to return every phone call we receive in a timely manner and to help our customers swiftly resolve their claim. We will strive to meet this goal on any future contact by The [redacted]’.  In the complaint Mr. [redacted] asked that we return [redacted]s’ calls/messages so that they can take possession of the vehicle and pay out.  On August 4, 2016 we contacted both the salvage yard (Insurance Auto Auctions) and [redacted]. We gave the salvage yard permission to have [redacted] pick up the vehicle and then  advised [redacted] the vehicle was released and ready for pickup. The [redacted] representative [redacted]d they would dispatch the vehicle to be picked up on August 5, 2016.If I can be of any further assistance, please call me at 1-215-530-1577. Sincerely,Michael J. P[redacted]Michael J. P[redacted]Claims Manager

March 31, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive American Insurance CompanyMs....

[redacted], I’m writing in reply to your letter dated March 25, 2016. We appreciate the opportunity to clarify the situation.We resolved this matter with Ms.[redacted]. On March 18, 2016, we received Ms. [redacted]’s initial bank statement showing $367.17 as her Uber/Lyft expense. Because we accepted 80 percent liability for this accident, we reimbursed $293.74 of the $367.17, which represents 80 percent of the total bill. Once we received her bank statement showing an additional rental charge of $91.14, we reimbursed her $72.91 on March 25, 2016. This payment represents 80 percent of her total expense. I’m sorry for any frustration Ms. [redacted] experienced, it wasn’t our intention.If you have any questions, please call me at 1-305-506-2556.Sincerely,Ivy O[redacted]Ivy O[redacted]Claims Manager

Business sent the following email:Attached is a summary of the resolution.Summary copied and pasted below by Revdex.com staff...

MT 3/23/17:March 22, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMs. T[redacted],I’m responding to your letter dated March 16, 2017. Thank you for the opportunity to clarify the situation.We originally deemed Ms. H[redacted]’s vehicle a total loss following our estimate of damages. We met with a representative of Ms. H[redacted]’s preferred shop to see if it was possible for the repairs to could be completed for less than the actual cash value because per our estimate the repair costs were greater than the actual cash value of the vehicle.  Ms. H[redacted], at her own discretion, proceeded with paying for repairs to the vehicle. We completed a post-inspection to verify repairs were completed. The shop repaired the vehicle for less than the value of the vehicle, thus making it repairable. We agreed to reimburse  Ms. H[redacted] for the shop’s repair costs, rental costs and storage charges incurred. There has been no mention of reimbursement of premium prior to this complaint. All issues to date have been addressed and resolved with Ms. H[redacted]. I’m sorry for any inconvenience this situation has caused her and if you have any questions, please call me at 1-440-[redacted]Sincerely,Ryan [redacted]Ryan [redacted]Claims Manager

[redacted]Business responded copied and pasted below by Revdex.com staff 2/1/17:January 25, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Melissa TrahanRe: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Type: Personal...

Auto NAIC Number: 155-14800 Company Name: Progressive Garden State Insurance CompanyMs. T[redacted]I’m responding to your letter dated January 18, 2016. Thank you for the opportunity to clarify the situation.On November 11, 2016, Mr. M[redacted] was involved in an accident in which his vehicle was rear-ended. This impact caused damage to the rear of his 2008 Mitsubishi Outlander. We completed an estimate and paid to repair the vehicle. There was no impact to the front wheel or front suspension components as a result of this loss. It also should be noted there was no rear wheel or suspension damage found to the vehicle, which is obviously closer to the point of impact. Mr. M[redacted] is claiming that damage to both driver and passenger side front struts and tie rods are related to this loss. When Mr. M[redacted] informed us of his concern we conferred with the repair shop and we both agree this damage is unrelated to the loss. We both concluded that the issues are the result of normal wear and tear that occurs to these parts over time.On January 20, 2017, we completed a secondary inspection with Mr. M[redacted] present at the [redacted] dealership that Mr. M[redacted] chose. We obtained photographs to the areas in question and confirmed both grease build up and dry rot in the area. There are no signs of impact anywhere near the front suspension.  During the course of the discussion, Mr. M[redacted] indicated that he has never done any suspension work on the vehicle and that all parts to his knowledge are original.  This is a 2008 vehicle with over 100,000 miles on it. The parts in question are well beyond their normal functional life.  Additionally, the Manager at [redacted] acknowledged that a direct rear end impact would likely not cause front suspension damage.  Our investigation has concluded that all parts being claimed are not damaged from the loss and damage is rather the result of normal wear and tear to these items. The two most common parts of vehicle suspension system that wear out due to use are tie rods and struts. The fact that both left and right tie rods and struts are equally showing problems is also an indicator of wear and not damage from an impact. Typically only one side of a suspension system is damaged in an accident, and within the immediate vicinity of the point of impact. The fact that on a rear end impact no rear suspension components are damaged is an additional factor we considered in the conclusion of our investigation. If Mr. M[redacted] has additional evidence that he would like us to consider, we are more than willing to review it. If you have any questions, please call me at [redacted]Sincerely,Scott W[redacted]Scott W[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.  I only agree and accept, IF I receive my total reimbursement  Revdex.com, you guys have been MOST helpful!
Regards,
Dena [redacted]

September 13, 2016Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]         Claim Number:       [redacted] Policy Type: Personal AutoNAIC Number: [redacted]Company...

Name: Progressive Paloverde Insurance CompanyMs. [redacted],I’m writing in reply to your email dated September 4, 2016.   [redacted] filed this claim with us on July 22, 2016. According to Ms. [redacted]’s statement, she swerved to avoid a collision and went off the road and into a large puddle of water. We promptly inspected Ms. [redacted]’s vehicle on July 25, 2016. Our inspection revealed the only apparent loss related damage was minor flooding and water damage to the carpet of her 2013 [redacted]. We inspected the air cleaner, the undercarriage, the mechanical and electrical components, and the only evidence to support a loss was the water damage to the front floor board carpets on the driver side. We replaced both the carpet and the carpet pad and the vehicle was subsequently delivered back to Ms. [redacted].   After the loss related damages were repaired, Ms. [redacted] contacted us and advised she was having continued issues with her vehicle. She now claimed that water has also damaged her engine and transmission. This vehicle has been inspected by four independent repair facilities, including two [redacted] dealerships. [redacted], [redacted] and [redacted], [redacted], and [redacted] have all inspected this vehicle. In addition to our assessment, these shops have also been unable to find any additional loss related damage to Ms. [redacted]’s vehicle. As Ms. [redacted] admits in her complaint, [redacted] has stated this is an internal transmission issue. Both [redacted] and [redacted] have noted that there was excessive wear present. The oil was very black, required an oil change, and the air cleaner was extremely dirty. It was noted that the vehicle had extremely high miles for the age at over 139,000, and they advised us the vehicle appeared to be in need of maintenance. According to [redacted], the vehicle also needs a transmission due to an internal failure. Relying on the independent assessments of four repair facilities, we subsequently denied payment for any engine or transmission damage as we were unable to find any evidence to support it was related to her claim of driving off the road and into a puddle.I appreciate the opportunity to review Ms. [redacted]’s complaint and our handling of her claim. Considering the information we have received, I respectfully support our handling of this claim.  I'm sorry for any frustration Ms. [redacted] has experienced with this claim. If you have any questions, please call me at 1-610-310-0936.Sincerely,Curtis G[redacted]Curtis G[redacted]Catastrophe Manager