Progressive Corporation

Attached is our response for File Number: [redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]November 17, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: 12494468 File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company...

Name: Progressive Gulf Insurance CompanyMr. T[redacted]I received your November 9, 2017 letter. I understand Mr. M[redacted]s frustration with not receiving reimbursement as expected and with the communication difficulties he experienced. I’d like to explain what happened with his payment.Our records show that we mailed Mr. M[redacted] a payment of $283.64 for rental reimbursement on August 4, 2017, to the address on file; I’m sorry to learn that he never received it.In addition to his letter to your office, Mr. M[redacted] sent us an email on November 8, 2017, to let us know about the payment issue. We spoke with him the following day, and at his request, we reissued the payment for pick up at our Service Center in Springfield, Virginia.  This payment cleared on November 13, 2017.I’m glad we could resolve this matter for Mr. M[redacted]. If there’s anything else we can do to help, please call me at [redacted] or [redacted] at [redacted]Sincerely,[redacted]Claims Manager

August 10, 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 Universal Insurance Company[redacted],I’m writing in reply to your follow up inquiry dated August 3, 2015.I have enclosed a copy of the electronic application signed by [redacted], which explicitly states “all regular drivers of the vehicles described in this application, and all children who live away from home who drive these vehicles, even occasionally, are listed below.”On June 3, 2015, [redacted] was driving the policy vehicle when he was involved in a loss. During our claims investigation, both [redacted] and her son, [redacted], told us that [redacted] occasionally drives the policy vehicle. This further supports that he is an occasional driver and represents an underwriting risk.If [redacted] had listed [redacted] as a driver on her policy, the policy rate would have increased by 64.6 percent. As such, failure to list [redacted] on the Application for Insurance represents a material misrepresentation at the time of the application. For this reason, we rescinded the policy and declared it void back to inception, April 3, 2015.If I can be of further assistance, please call me at 1-[redacted].Sincerely,Timothy B[redacted]Timothy B[redacted]Claims Manager6300 Wilson Mills Road [redacted]Mayfield Village, OH 44143Fax: 1-[redacted]

Consumer Relations Department 6300 Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] May 5, 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 April 29, 2016, and an email we received directly from Ms. [redacted] on April 28, 2016. Ms. [redacted]s vehicle was towed to a shop of her choice for repairs on April 1, 2016. The shop wouldn’t allow us to inspect her vehicle until April 11, 2016, when it was deemed a total loss. We tried to move Ms. [redacted]s vehicle to a storage free location when it was released on April 14, 2016, but the shop wouldn’t allow pickup of the vehicle until April 21, 2016, which resulted in additional daily storage charges. In addition to excessive daily storage charges, the shop Ms. [redacted] chose also charges fees that aren’t reasonable and customary in the local market place. I’m sorry for Ms. [redacted]s frustration. While she’s free to choose whatever shop she prefers for repairs to her vehicle, as her insurance company, we’re only obligated to pay for reasonable and customary charges at this shop as dictated by the local marketplace. Due to this, we deducted $525.34 from Ms. [redacted]s total loss settlement in addition to her $500 deductible. If you have any questions, please call me at 1-404-439-7127. Sincerely, 
Roy B[redacted]Roy B[redacted] Claims Supervisor

(The following was copy/paste by Revdex.com staff - [redacted])[redacted]May 26, 2017Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH  44115-2408Attn: [redacted]Re:  File Number: [redacted]       Customer: [redacted]       Policy 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 May 23, 2016. I appreciate the opportunity to respond to Ms. [redacted]’s concerns. I’m sorry for the confusion this has caused.On April 19, 2017, we issued Ms. [redacted]’s six-month rate at $2,956, with $591.20 to initiate the policy. This amount included a discount for accepting Electronic Funds Transfer (EFT) withdrawals from her checking account. She called and requested cancellation effective May 19, 2017. Because of replacing coverage. She only wanted coverage for one month.On April 20, 2017, Ms. [redacted] called and requested the deletion of EFT, removing the discount and resulting in an increase of $395.01 to the policy.On May 19, 2017, we canceled the policy at Ms. [redacted]’s request, resulting in a refund of $43.30. The difference in the refund amounts is due to the rate increase because of the removal of EFT.  I’ve enclosed copies of the Declarations Page and Final Bill for your review.If you have any questions, please call me at 440-620-6942.Sincerely,Annie D[redacted]Annie D[redacted]Consumer Relations Specialist

(The following copy/paste by Revdex.com staff - LST)[redacted]April 21, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floorCleveland, Ohio 44115-2408Attn: [redacted], Trade AssistantRe: File Number: [redacted]Customer Name: [redacted]Claim Number: [redacted]Policy Number: [redacted]Policy Type:...

Personal AutoNAIC Number: [redacted]Company Name: Progressive Advanced Insurance CompanyDear Mr. [redacted],Thank you for your letter dated April 15, 2017. We appreciate the opportunity to clarify the claim details.Ms. [redacted] purchased her policy with us on-line, March 24, 2016. Our investigation consisted of reviewing her Application, Declarations Pages and retrieving an inbound call to Policy Services that occurred on April 6, 2016.In reviewing Ms. [redacted]’s statement, it’s my understanding that she believed she had Collision and Comprehensive coverage for the vehicle we insure, a 2006 Land Rover. While I certainly empathize with Ms. [redacted]’s situation, we’ve confirmed that she didn’t select Comprehensive or Collision coverage when she purchased her policy, nor do we have any record of a request to add this coverage thereafter. Unfortunately, we can’t honor insurance for any coverages that weren’t selected and purchased. I’ve attached a copy of the Application that she electronic[redacted] signed, along with a copy of the most recent Declarations Page.I’m sorry for the frustration that this claim has caused Ms. [redacted]. We do appreciate her business. If you have additional questions, please contact me at 1-[redacted].Sincerely,Michael [redacted]Claims Manager

(The following was copy/paste by Revdex.com staff - LST)[redacted]April 27, 2017Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou [redacted]Re: File Number: [redacted]   Customer Name: Lisa [redacted]  Claim Number: [redacted] Policy Number: 33084059-1  Policy...

Type: Personal Auto   NAIC Code: [redacted]  Company Name: Progressive Premier Insurance Company of Illinois          Mr. [redacted],I’m writing in reply to your inquiry dated April 17, 2017. I understand that Ms. [redacted] is upset that we’re unable to cover her loss. I’m happy to review her claim to see what happened. Ms. [redacted] was driving her 2014 Chevrolet Sonic on March 15, 2017, and her vehicle was rear ended by an uninsured motorist. The two drivers exchanged information, but they did not call the police. Unfortunately, we were not able to confirm the other driver involved in the loss, which means we’re unable to provide Uninsured Motorist Property Damage coverage. We also reviewed the claim to see if we could cover the loss under Ms. [redacted]’s Collision coverage. Unfortunately, her policy has a $1,000 deductible, and the initial estimate is under $1000, so we’re unable to make payment. I wish I had better news for her.I’m sorry for the frustration this caused. If you have any questions, please feel free to call me directly [redacted].Sincerely, Jim [redacted] Claims Manager Attachment

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.  They have now agreed to cover 100% of the damages in my accident after my insurance company also called and threatened to sue them.
Regards,
[redacted]

December 12, 2016 Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]          Policy Number:      [redacted]          Policy...

Type: MotorcycleNAIC Number: 155-16322Company Name: Progressive Direct Insurance Company[redacted],I’m writing in reply to your email dated December 5, 2016. Since the time that [redacted] filed her complaint with your office, we have made the correction to her policy to list the correct drivers on the policy as she requested and have issued the credit. I’m sorry for her frustration with the service she received from us.In her complaint, [redacted] requested that we cancel her policy and issue a refund to her. If she would like to cancel her policy, she can call us anytime at 1-877-280-5587 and let us know what date she would like to cancel the policy.   I’ve enclosed a copy of the Coverage Summary pages to confirm we issued the policy credit. 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]April 14, 2017 Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: Melissa [redacted]Re: File Number: [redacted] Customer Name: Timothy [redacted] Policy Number: [redacted]Policy Type: Commercial LinesNAIC Number:...

[redacted]Company Name: Progressive Northern Insurance CompanyMs. [redacted],I’m writing in reply to your email dated April 10, 2017. I’m sorry for the delay Mr. [redacted] experienced with receiving his refund from us. I hope the following helps explain our position. Mr. [redacted] paid us $1,621.95 on March 28, 2017. On April 5, 2017, Mr. [redacted] advised us that this payment wouldn’t be honored by his bank and made a replacement payment. At this point, his bank hadn’t notified us yet. Once the replacement payment was made, the policy was paid in full and extra monies were on the account. Because Mr. [redacted] advised us of the pending nonsufficient payment, we noted the policy to prevent any automatic refunds to be issued. We did this so we wouldn’t have to bill Mr. [redacted] once we received notification from his bank of the nonsufficient payment. In the meantime, Mr. [redacted] requested some changes to be done to the policy that impacted the premium. On April 10, 2017, we received notification from Mr. [redacted]’s bank that they wouldn’t honor the March 28, 2017 payment for $1,621.95. Because we were waiting for this notification from the bank, we couldn’t give Mr. [redacted] a firm answer of when the refund from the changes would be issued. While we appreciate that Mr. [redacted] was upfront about the March 28, 2017 payment that wasn’t honored by his bank, we had to wait for the official notification from the bank to update the billing on the policy. Once we received notification from his bank, we updated the billing on his policy. A refund draft of $3,297.18 is scheduled to be mailed to Mr. [redacted] on April 20, 2017.If you have any questions, please call me at [redacted]                                                                                                                                                                            Sincerely, Erika [redacted] Commercial Lines SpecialistEnclosure

(The following was copy/paste by Revdex.com staff - LST)[redacted]September 28, 2017 Revdex.com 2800 Euclid Avenue, 4th floorCleveland, OH  44115Attn: [redacted]Re: File Number: [redacted]Customer: [redacted]Claim Number: [redacted]NAIC Number: [redacted] Company: Progressive...

Select Insurance CompanyMr. T[redacted]This is in reply to your September 21, 2017 letter about [redacted] concerns regarding the investigation of her vandalism claim. First, I’m sorry if Ms. E[redacted] feels we have not handled her claim as she would have expected. Our investigation has been factual and we do not agree with Ms. E[redacted]s assertions of bias or unfairness in our handling. Ms. E[redacted] reported this claim to us on September 16, 2017, and stated that her 2005 Toyota Prius was heavily scratched while parked at her residence in San Lorenzo, California. Our investigation has revealed questions regarding the potential that the vehicle damage pre-dated Ms. E[redacted]s policy inception date with our company. We’ve reserved our rights and have recently reached out to Ms. E[redacted] to provide us with additional documentation to substantiate her claim. Our investigation is ongoing.       Thank you for bringing Ms. E[redacted]’s concerns to our attention. Please call me at [redacted] if you have additional questions. Sincerely, Thomas A. S[redacted]Thomas A. S[redacted]Compliance 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. Progressive is negating the fact that I called April 28th,2017. I was told that my policy was not going to cancel! I only called on the 5th because I received an email saying my policy had in fact canceled. I attached proof of this phone call to Progressive since my attempt to talk to the underwriters multiple times is going unnoticed. On April 28th I was told there was NO record of my policy being canceled and I thought it was odd. Progressive is truly handling this situation irrationally and its unappreciated since I have been a valued customer who has always paid what I owed to progressive.
Regards,
Cydney [redacted]

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

March 14, 2016Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted]    Policy Number: [redacted] Policy Type: Commercial Lines NAIC Number: [redacted] Company Name: [redacted]...

[redacted]
Ms. [redacted],I'm writing in reply to your letter dated March 8, 2016. I'm sorry for any confusion and appreciate the opportunity to clarify the situation. On January 4, 2016, we wrote a commercial auto policy based on the information that Mr. [redacted] provided. We listed the business class as towing services, gas stations and auto repair. Mr. [redacted] engages in performing general auto repair and may include incidental towing.  On January 4, 2016, we recapped his policy coverages with him and he acknowledged that he understood and accepted the annual policy rate of $1,975 with 10-pay bill plan option.We issued the policy with Bodily Injury Liability at $25,000 each person, $50,000 each accident and Property Damage Liability at $20,000, Uninsured Motorist at $25,000 each person and $50,000 each accident.Mr. [redacted] rejected Uninsured Motorist Property Damage and Garage Keepers Legal Liability. We provided an insurance company to assist him in obtaining General Liability insurance for his business, CommercialInsurance.net. We provided coverage effective January 4, 2016 to February 29, 2016, the date of cancel. There is no refund due Mr. [redacted], but he has a balance of $57 due March 17, 2016.  If you have any questions, please call me at 1-440-910-1446.Sincerely,Georgette B[redacted] Georgette B[redacted] Commercial Lines RepresentativeEnclosures

August 15, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Casualty Insurance CompanyMs. [redacted],I’m writing in reply to your letter dated August 8, 2016.Ms. [redacted] began her policy on June 28, 2016, over the phone through her agency, [redacted] Family Insurance. At that time, she made a payment of $195.88 from a bank account ending in 6350. The policy was on our Electronic Funds Transfer (EFT) bill plan and a bank account ending in 9193 was provided to automatically withdraw their monthly payments.  On June 30, 2016, Mr. Istel requested to cancel this policy through his agent. Per our guide[redacted]s, when a policy is on EFT and is canceled, we hold the funds for 12 days and refund the money to the EFT account. We sent a refund of $195.88 to the EFT account on July 10, 2016. On July 27, 2016, Ms. [redacted] spoke with one of our supervisors. Our supervisor called out to the agency and the agent advised that several bank account numbers were provided during the quoting of this policy, but that only the account ending in 6350 worked for the payment. Ms. [redacted] advised our supervisor that the account ending in 9193 maybe her husband’s account. She advised she would check and call us back. No further calls were made to us. Ms. [redacted] needs to confirm that the account ending in 9193 isn’t hers or her husband’s account. This account is a [redacted] bank account. Once this is confirmed, she can call us at 1-800-888-7764 for additional assistance. I attempted to call out to Ms. [redacted] today to discuss this situation and left her a voicemail. I’m sorry for any frustration this situation has caused Ms. [redacted]. If you have questions, please call me at 1-440-620-6945.  Sincerely,Stephanie C[redacted]Stephanie C[redacted]Consumer Relations Specialist

November
16, 2015
RevDex.com
2800
Euclid Avenue, 4th
Floor
Cleveland,
OH 44115-2408
Attn:
A[redacted]
 
Re: File
Number: [redacted]
File
Name: [redacted]
Customer
Name: [redacted]
Claim
Number: [redacted]
Policy
Type: Personal...

Auto
NAIC
Number: [redacted]
Company
Name: Progressive Direct Insurance Company
 
 
[redacted],
 
I
am writing in reply to your inquiry dated, November 4, 2015. Thank
you for the opportunity to provide additional information regarding
this situation.
 
The
complaint arises from an accident that occurred on October 16, 2015,
which involved [redacted]’s 17 year old daughter, [redacted], and
our customer,
Jacob
Parham. We spoke to [redacted] on October 17, 2015, and secured his
permission to speak directly to [redacted] to secure a recorded
interview.
 
On
October 19, 2015, we secured [redacted]’s statement and confirmed
she wasn’t injured in the accident.
 
On
October 27, 2015, we informed [redacted] his [redacted] was a
total loss and offered him $3,201 to settle his claim. He advised he
would like to do some research of his own and would get back to us.
It wasn’t until
November
3, 2015, we were aware that [redacted] was injured in the accident,
as this is when we received an email that was sent by [redacted] on
November
1, 2015. His email was inquiring about [redacted]’s injury claim and he
further advised he wasn’t happy with the total loss offer. We
responded to
[redacted] that same day and discussed his daughter’s injury. An offer
of $1,000 plus medical bills incurred was made in an effort to settle
the claim. [redacted] advised he wanted to discuss the settlement
with his wife and would get back to us.
 
On
November 5, 2015, we called [redacted] and he advised us he was
considering hiring an attorney as he wasn’t happy with the total
loss or injury offer. We further attempted to discuss settlements for
both claims, but [redacted] stated he wanted to talk to an attorney,
thus the discussion ended. Later that same day, we contacted [redacted] in attempts to resolve his claim.
 
On
November 6, 2015, [redacted] agreed to settlement for [redacted]’s
injury, but he wanted to wait until a settlement was reached on the
property damage total loss before signing any releases.
 
On
November 11, 2015, [redacted] accepted a revised total loss offer of
$3,879.52 for his [redacted] and an injury settlement of
$3,000 plus medical bills incurred for his daughter [redacted].
 
On
November 12, 2015, [redacted] came into the [redacted] Claims
office and signed documents in exchange for both settlement payments.

 
I’m
sorry for the inconvenience this has caused [redacted]. I If you have
any questions,
please call me at 1-[redacted].
 
 
Sincerely,
 
Julie
C[redacted]
 
Julie
C[redacted]
Claims
Manager

(The following was copy/paste by Revdex.com staff - LST)[redacted]February 9, 2018Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]  Re: File Number: [redacted]   Customer Name: Jamie R[redacted]     Policy Number: [redacted]  Policy...

Type: Motorcycle       NAIC Code: [redacted]     Company Name: Progressive Advanced Insurance Company                 Mr. T[redacted]c,I’m writing in reply to your inquiry dated February 9, 2018. We want to resolve Mr. R[redacted]’s claim, but we need his cooperation before we can consider making payment for the loss. I’m happy to explain what’s going on.  On September 21, 2017, Mr. R[redacted] reported the theft of his 2014 Honda [redacted] Unfortunately, he has not cooperated with the terms of his Policy Contract concerning cooperating with our investigation. We’ve asked for a recorded statement and necessary documents regarding the specific timeline and facts of loss multiple times, but he has not provided them. If Mr. R[redacted] provides the necessary information outlined in the December 19, 2017 letter, we’ll be happy to consider that information as part of his claim file and review our coverage decision accordingly. If you have any questions, please feel free to call me at [redacted]  Sincerely,Scott W[redacted]Scott W[redacted]Claims Supervisor

Apparently Progressive is all out of tricks.  Everything it says in its third response dated 10/25/2016 is simply a bad copy and paste job from its second response dated 7/20/2016 which my 10/19/2016 letter already addressed and defeated.The only new thing Progressive says (i.e., that Progressive did not steer me to a particular repair shop) directly conflicts with New York law.  See, [redacted] v. [redacted], Index No. SC 195/03 ([redacted]., Jul. 18, 2003)(holding that “[redacted]’s ‘take it or leave it’ posture placed the plaintiff in the position of paying the difference between [redacted]’s bill and the [redacted] payment or conceding to use a shop that would accept [redacted]’s labor rate.  This is exactly the circumstance that Insurance Law §2610 [New York’s anti-steering law] was designed to protect against”); [redacted] v. [redacted], 1 Misc.3d 906(A)([redacted] 2003) (recognizing that “This take-it-or-leave-it posture exercised by the insurance industry is essentially economic extortion”); and [redacted] v. [redacted]. Ins. Co. 188 Misc.2d 180 (App. Term 2d Dept. 2001)(holding that insurer’s low-ball estimate “would limit the insured's recovery of benefits to the insurer's estimate of repairs, [which is] precisely the type of ‘steering’ tactics that the Insurance Law and regulations were designed to proscribe [i.e., prohibit]”).Progressive fails to explain how any of this justifies its failure to pay the rest of my now nine-month old property damage claim.The amount that remains owing is $4,461.93 (actual) - $1,455.47 (paid) = $3,006.46.  Progressive’s continuous game-playing, corporate bullying, and flagrant disrespect of the Revdex.com process makes clear it would rather spend hard-earned investor money on legal fees and lawyers rather do the right thing.  What would Flo say about this?  Consumers and investors beware!!!
Regards,
[redacted]

July 8, 2015Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, 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 letter dated July 2, 2015. I appreciate the opportunity to respond to [redacted]’ concerns about her recent claim.We have contacted [redacted] and are working with her to address and rectify her concerns with the repair work completed to her [redacted]. To date, the repair estimate for [redacted]’s vehicle totals $6,639.86. According to [redacted]’ estimate, her vehicle is worth approximately $13,500 and is not close to being a total loss at this time. [redacted]’s shop of choice for her repairs, and us provide a guarantee for the repair work that is completed and we look forward to addressing all of [redacted]’s concerns. As of July 2, 2015, all necessary repairs to the vehicle have been completed and the vehicle was delivered back to [redacted].      I’m sorry for the inconvenience [redacted] incurred.If you have any questions, please call me at 1-[redacted].Sincerely,Scott W[redacted]Scott W[redacted]Claims Manager

March 8, 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 Code: [redacted] Company...

Name: Progressive Specialty Insurance Company      Ms. [redacted],I am writing in reply to your inquiry dated March 2, 2016. Thank you for the opportunity to clarify the situation. On January 14, 2016, Mr. [redacted] reported a claim to us. We denied the claim because an unlisted driver was operating his vehicle at the time of loss. On January 22, 2016, we verbally informed Mr. [redacted] of the denial, and on January 29, 2016, we mailed a denial letter. Because Mr. [redacted] does not have coverage under his policy, we have assisted him in filing a claim with State Farm, which is the at fault party’s insurance company. I am sorry for any frustration Mr. [redacted] may have experienced. If you have any questions, please call me at 1-610-249-0490. Sincerely, Charles A[redacted]Charles A[redacted]Claims Supervisor