Progressive Corporation

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 - [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

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

Attached is our response for File Number: [redacted]

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

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

(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]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

(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

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

(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

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]

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

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

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]

[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  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 Direct Insurance Company [redacted], I'm writing in reply to your letter dated October 20, 2015. A hailstorm damaged [redacted]’s vehicle on June 8, 2014. [redacted] elected to use our service center to manage his vehicle’s repair. They replaced and painted the vehicle’s hood as part of the repairs. The vehicle repairs were completed and the vehicle was delivered on September 30, 2014. On November 20, 2014, [redacted] brought the vehicle back to the service center due to an issue with his windshield washer nozzle not spraying properly and a hood blemish. At the re-work appointment, we noted a small fiber trapped in the clear coat of the hood. They resolved this issue on site by buffing out the fiber along with cleaning the washer nozzle. At that time, they noted several new stone chips already existed on the recently painted hood. On October 2, 2015, [redacted] advised us that the paint on the hood was peeling. When we re-inspected his vehicle on October 6, 2015, we found that the peeling paint was actually stone chips. [redacted] agreed that the majority of chips were in fact stone chips, except for a larger one in the area where the 2014 buffing occurred. I’m sorry for [redacted]’s frustration, but the service center manager and I reviewed this matter and both agree that the impact signature is consistent with a stone chip and is completely unrelated to the 2014 paintwork. If you have any questions, please call me at 1-440-[redacted] Sincerely, Curtis G[redacted] Curtis G[redacted] Catastrophe Manager

May 13, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Manufactured Home NAIC Number: [redacted] Company Name: Progressive Specialty Insurance CompanyMs. [redacted],I would like to inform you that we have reached an agreement with Mr. [redacted] to resolve the claim for roof damage to his 1970 [redacted] manufactured home. I contacted Mr. [redacted] in an effort to resolve the issue for the roof replacement estimate he received on March 1, 2016, from [redacted] Industries in the amount of $4,690. He has a $250 Comprehensive deductible that we applied to the claim. Due to the age and pre-loss condition of the existing roof, we assessed 50 percent depreciation on the materials to be used for the new roof. We verified the cost of those materials with [redacted] to be $4,090. As a result of my conversation with Mr. [redacted], I issued a payment for $2,395 to Mr. [redacted] and have closed his claim. If you have any questions, please call me at 1-216-416-7649.Sincerely,Scott L[redacted]Scott L[redacted]Claims Manager

February 3, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: [redacted] NAIC Number: [redacted] Company Name: Progressive Advanced...

Insurance Company Ms. [redacted],I’m writing in response to your letter dated January 29, 2016. I appreciate the opportunity to address Ms. [redacted]’s concerns about her policy.When Ms. [redacted] purchased her policy on April 2, 2015, she agreed to participate in our Snapshot ® Program. We sent the Snapshot device to Ms. [redacted] and instructed her to plug in the device and begin the monitoring period. On May 11, 2015, we added an initial Snapshot ® Discount to the policy, which resulted in a prorated credit of $25.98, reducing the rate from $631 to $598.On September 5, 2015, we sent Ms. [redacted] a Renewal Offer advising the current policy will expire on October 2, 2015. We sent a bill explaining we must receive a minimum payment of $140.53 by October 2, 2015, to avoid a lapse in her coverage. This amount included a $21.45 balance owed on the expiring policy period.On September 17, 2015, we sent Ms. [redacted] a Reminder Notice again advising the policy will expire as of 12:01 a.m. on October 2, 2015, unless we receive a payment by October 2, 2015. Because we did not receive a payment, the policy expired on October 2, 2015, and did not renew. We sent Ms. [redacted] a Final Bill letting her know the policy ended with a balance due of $21.45 on the expired policy period. We also sent Ms. [redacted] a letter asking her to return the Snapshot device and explained if we did not receive the device, we would charge a $50 unreturned device fee. We included a return envelope to send the device back.Ms. [redacted] did not return the device as requested, which resulted in a $50 fee. On October 21, 2015, we sent Ms. [redacted] a bill for the revised balance due of $71.45.On January 16, 2016, we received a call from Ms. [redacted] asking about the balance due and if she can renew her policy. We explained the reason for the balance due, which did include the $50 unreturned device fee and let Ms. [redacted] know once we received the returned Snapshot device, we would remove the $50 fee. Ms. [redacted] acknowledged that she had the device and advised she would send the device back to get the fee removed. We advised Ms. [redacted] that we would send her another return mailer so she could easily return the device for policy credit. We confirmed her mailing address and explained that because the policy was expired over 90 days, the option to renew the policy was no longer available and she would have to purchase a new policy. We then transferred her call to an agent who provided Ms. [redacted] with a quote for a new policy. On January 27, 2016, Ms. [redacted] called back and did speak to [redacted] about renewing her policy. I reviewed Ms. [redacted]’s call and confirmed that [redacted] was very courteous to Ms. [redacted]. He explained that we sent her a return mailer on September 5, 2015, and again on October 9, 2015, with a letter asking her to return the Snapshot device. [redacted] confirmed the mailing address we had on file was correct and offered to send another mailer to Ms. [redacted]. He also clearly explained to Ms. [redacted] that because the policy expired over 90 days ago, we did not have the option to renew it and she would have to purchase a new policy. Ms. [redacted] asked [redacted] to give her a confirmation number for her call. He explained we do not give a confirmation number for our calls, but we do record each call. He did however, advise Ms. [redacted] that he would document her policy that she called.  To date, we still have not received the returned Snapshot device. Once we do, we will be happy to remove the $50 unreturned device fee from the policy.I’m sorry for the misunderstanding. If you have any questions, please call me at 1-440-620-6944. Sincerely, [redacted]Consumer Relations SpecialistEnclosures

August 7, 2017Revdex.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 Direct Insurance CompanyMr....

[redacted],I'm writing in reply to your email on August 1, 2017. I'm sorry for Mr. [redacted]'s lossand for his frustration with this situation. I hope this helps to explain why we'reunable to cover his claim.Our customer submitted a claim for the fire to her 2002 Chevrolet Cavalier. Due tothis incident, Mr. [redacted] presented a property damage claim.Our claim investigation involved contact with the State of [redacted]Her input was that the cause of the fire to the 2002 Chevrolet Cavalier wasaccidental and due to a fuel issue. Our investigation didn't support any negligenceon our customer for the cause of the vehicle fire, which is why there's no coveragefor Mr. [redacted]’s property damage claim. I know it isn't what he wants to hear, butMr. [redacted]’s recourse is with the vehicle's manufacturer, [redacted].If you have any questions, please call me at [redacted].Sincerely,Jeffery [redacted]Fire & Theft Supervisor