Progressive Corporation

March 24, 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: Boat NAIC Code: [redacted] Company...

Name: Progressive Southeastern Insurance Company    Ms. [redacted],I am writing in reply to your inquiry dated March 18, 2016. Thank you for the opportunity to clarify the situation. On March 14, 2016, Mr. [redacted] reported the claim to us. On the same day, we secured a statement from him about the incident. We assigned Claims Representative Russ [redacted] to the claim. Mr. [redacted] stated that on March 12, 2016, he was out on Lake Gaston when his boat struck a submerged object, either debris or a submerged stump. Our representative completed an inspection of the boat that same day and took pictures of the damages to the propeller and lower gear case. Mr. [redacted]’s inspection of the boat revealed only one propeller blade separated from the propeller hub. He also noted a scraping impact to the cavitation plate directly above the propeller mounting area. The damage identified is consistent with the failure of only one propeller blade, neither of the other two blades show any sign of impact damage. The damage to the gear case appears to be from the impact between the failed blade and the case itself when the blade separated from the propeller hub. Additionally, there is no damage located to the hull of the boat or to the front of the lower gear case, which we expect if the boat struck a submerged object while moving forward. The damage was limited to the propeller blade and rear-facing portion of the gear case only. Mr. [redacted] collaborated with his supervisor, and they determined the propeller failed structurally, which very likely felt like an “impact” while under power. Our policy contract specifically excludes coverage for the failure of the propeller blade. Pages 16-18 state the following.  “Coverage under this Part IV will not apply for loss: 8. caused directly or indirectly by:   a. wear and tear;  b. gradual deterioration of any kind including, but not limited to, weathering, rust,  corrosion, mold, wet or dry rot, osmosis, delamination, or blistering;  c. dock rash or other gradual marring or scratching;  d. mechanical, electrical, or structural breakdown; or  e. any design, manufacturing, or latent defect;of any watercraft. This exclusion does not apply:  a. if the damage results from the theft of a covered watercraft; or  b. to ensuing loss caused by consequential sinking, burning, explosion or collision of a covered watercraft; 9. due and confined to:  a. wear and tear;  b. mechanical, electrical, or structural breakdown; or  c. any design, manufacturing, or latent defect;      of any trailer;”Based on this coverage exclusion, Mr. [redacted]  completed an estimate for the replacement of the lower unit gear case due to the damage sustained from the impact with the failed propeller blade. On March 17, 2016, we issued payment to Mr. Hoffman, less his $500  Collision deductible. Unfortunately, there is no coverage available for the failed propeller blade. On March 18, 2016, we sent a letter and verbally informed Mr. [redacted] of our decision.  If you have any questions, please call me at 1-240-500-3508. Sincerely, Syd P[redacted]Syd P[redacted]Claims ManagerAttachment

April 18, 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 Specialty...

Insurance CompanyMs. [redacted],I’m writing in reply to your letter dated April 11, 2016.Ms. [redacted] began her policy on March 11, 2016, through [redacted] & [redacted] of NY, Inc. At that time, she made a payment of $73.85 and signed her Application. I’ve included a copy of her signed Application for your review. At the top of the page that she signed, we disclosed the $50 Cancel fee. Please note that we’ve previously sent this to Ms. [redacted] per her request on March 31, 2016. On March 15, 2016, Ms. [redacted] changed her billing preference from Electronic Funds Transfer (EFT) to direct invoice. This increased the policy $27.38 due to the loss of the EFT Discount. Ms. [redacted] requested to cancel her policy effective April 14, 2016. She has a $62.09 balance after cancellation. I’ve included a copy of the Final Bill we sent her for your review. This includes the breakdown of the amount due. When Ms. [redacted] signed up for her policy, she also signed up for our Snapshot® program. We sent her the Snapshot device and, when her policy canceled, we asked that she send it back to us or we would charge her a $50 Snapshot Device fee. We received the device on April 11, 2016, and no fee was charged. The balance of $62.09 is a valid amount due after cancel. I’m sorry for any frustration Ms. [redacted] has experienced. 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]September 25, 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 researched the policy regarding Mr. [redacted]’s concern that he didn’t request to change his Comprehensive and Collision deductibles.Mr. [redacted] called us on August 14, 2016 around 3:42 p.m. I reviewed the recorded conversation to verify if Mr. [redacted] requested to remove his 2015 Harley Switchback and added a 2016 Harley Road King in its place. He initially requested the same coverage, including the $500/$500 Comprehensive and Collision deductibles. But, when our representative told him it would be a pro-rated increase of $172 and would increase his payments, he requested other options. Our representative offered to quote the change with $1,000/$1,000 deductibles; which only caused a pro-rated increase of $18 and Mr. [redacted] confirmed his acceptance of the change. As included in our prior response, we sent a Declarations Page confirming the new motorcycle and coverage change. Upon Mr. [redacted]s written request, we can provide a compact disc recording or written transcript of the call.I’m unable to waive the $71.74 balance due and we respectfully request payment. If you have any questions or need additional information, please feel free to call me at [redacted].Sincerely,Nancy A[redacted]Consumer Relations Specialist

Revdex.com
2800 Euclid Avenue, 4th Floor
Cleveland, OH 44115
Attn[redacted]
Re: File Number: [redacted] 
Customer Name: [redacted]
Policy Number: [redacted] 
Policy Type: Personal Auto
NAIC Number: [redacted]  
Company Name: Progressive Casualty...

Insurance Company

Mr. T[redacted],
Thank you for your October 7, 2017 letter and for forwarding Mr. D[redacted]’s concerns about his bill. I can certainly understand how frustrating it must have been for him to receive a bill for a higher amount that what he was expecting. I’ve reviewed the policy and am happy to explain what happened.
On July 17, 2017, Mr. D[redacted] called and asked us to remove the 1994 Mazda truck from his policy and add a 2009 GMC Yukon. Mr. D[redacted] is right. During this conversation, our representative did tell him his payment for September would be $534.59, and his remaining payments would change to approximately $362, which was incorrect. When we processed the vehicle change, we sent Mr. D[redacted] a bill for $634.59, due September 1, 2017, which should’ve been the right amount based on the change in vehicles.
On September 1, 2017, Mr. D[redacted] made a payment of $546.70. Because this was not the full amount due, we sent him a Cancel Notice, letting him know that we must receive the remaining $87.89 by September 21, 2017, to avoid cancellation.
Because this was our mistake, we’ve reinstated Mr. D[redacted]’s policy and let him know that we’ve corrected his payments to $384.63 as initially quoted for the remainder of this policy period.
I’m sorry for our mistake and the frustration we caused. If you have any questions, please call me at [redacted].
Sincerely,
Rose S[redacted]
Rose S[redacted]
Consumer Relations Specialist
Enclosures

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.The insurance company’s response is unacceptable. The truck bed needs to be leveled, squared and realigned. I should not have to pull out a penny to have this done. If the insurance company feels that is how much it will take to get the truck bed leveled, squared and realigned then they can go ahead and have the truck bed squared, leveled and realigned. Call me when it’s done to pick up the truck. If they can’t, then I cannot accept anything less then $2200 for me to get it done. I’m sending some estimates of prices for the actual parts & materials, along with some articles, prices and/or information by reputable organizations in the business of auto body prices. Please feel free to contact me at the information below if you have any questions. Thank you for your attention to this matter.[redacted] [redacted]

December 2, 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: 155-24279 Company Name: Progressive Max Insurance...

Company[redacted],I’m writing in reply to your letter dated November 27, 2016.[redacted] began her policy on[redacted] on March 30, 2016, and didn’t speak with us before the quote was purchased. Both her and her husband’s driver’s licenses were listed as suspended. A 2010 Nissan Rogue was listed on the policy with Liability and Physical Damage coverages. The 2010 Nissan also had a lienholder listed.We can sell a policy to customers that have suspended licenses. It’s the customer’s responsibility to know the requirements for having a vehicle registered in their state. Unfortunately, don’t know all the DMV rules for registrations. In addition, because the 2010 Nissan had a lienholder, they would most likely need to keep Physical Damage coverages on the vehicle to satisfy their lienholder’s requirements. [redacted] needs to check with her lienholder to confirm this information.Based on the information that [redacted] provided, we’re unable to honor her request to refund her money back to March 30, 2016. We provided coverage on this vehicle from March 30, 2016, until we canceled her policy effective July 30, 2016. If [redacted] has proof that her vehicle wasn’t registered from March 30, 2016 to July 30, 2016, and her lienholder doesn’t require that she maintain continuous insurance coverage on the vehicle, we could look into backdating the cancellation of her policy. She can fax any proof she has to me at 1-888-569-8942. Once received, I will review for acceptability. If we backdate the cancel of her policy, and her lienholder does require continuous proof, we wouldn’t be held responsible for any fees she encounters. Based on the current information, there is a balance due for coverage of $121.94. This balance is due because we attempted to take a payment from her checking account on June 30, 2016. This payment wasn’t honored by her bank, so we sent a Cancel Notice stating that she needed to make a payment of $218.28 or the policy would cancel on July 30, 2016. This balance wasn’t paid, and the policy canceled for nonpayment on July 30, 2016. The $121.94 is a valid amount due. If you have questions, please call me at 1-440-620-6945.  Sincerely,Stephanie C[redacted]Stephanie C[redacted]Consumer Relations Specialist

April 26, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 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 County Mutual Insurance Company To Whom It May Concern,I’m writing in reply to your letter dated April 20, 2016. I appreciate the opportunity to clarify the situation. On November 30, 2012, Ms. [redacted] called us and requested that Rental coverage be removed from her policy. When, Ms. [redacted] added the 2007 [redacted] on December 3, 2012 she elected not to add rental. Because Ms. [redacted] felt this change was made in error, we needed to pull the call history in order to determine what happened and make the appropriate decision regarding coverage. Ms. [redacted] is no longer disputing the lack of Rental reimbursement coverage on her policy.We’ve inspected her car and presented an offer to settle her claim on April 20, 2016. This offer is based on the value of her vehicle at the time of the loss. We’re waiting for her to sign the necessary title paperwork and release the salvage vehicle to us so that we can settle her claim. We’re prepared to pay her claim when she is ready to move forward. To avoid further frustration, we’ve given Ms. [redacted] a single point of contact while we work with her to resolve this matter.I'm sorry for any inconvenience she’s experienced. If you have any questions, please call me at 1-610-310-0936.   Sincerely,Curtis G[redacted]Curtis G[redacted]Catastrophe Manager

October
20, 2015
 
RevDex.com 2800 Euclid Avenue, 4th floorCleveland,...

OH
44115
Attn:
[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
writing in reply to your email dated October 13, 2015.
 
Your
[redacted] was opted out of Snapshot as a non-installer on August
28, 2015. The fee for this device (ID [redacted]), was charged on October
12, 2015, and I reversed it October 19, 2015. In reviewing the
history, the original device (ID [redacted]), was replaced on July 14,
2015, and charged on August 28, 2015. We received it back resulting
in a fee reversal on September
14, 2015.
On
October 19, 2015, one of our representatives opened fleet claim
number [redacted],
for
the alleged vehicle damage and applied the average discount
percentage since we had not received any data.
I'm
sorry for any inconvenience [redacted] has experienced. If you have
any questions, please call me at 1-440-[redacted].
 
Sincerely,
 
Sharon
** S[redacted]
 
Sharon
** S[redacted]
Consumer
Relations Specialist

(The following was copy/paste by Revdex.com staff - [redacted]July 12, 2017Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: [redacted]
Re: File Number: [redacted] File Name: [redacted] Quote Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted]...

Company Name: Progressive Michigan Insurance Company      Mr. [redacted],I’m writing in response to your letter dated July 6, 2017. Thank you for forwarding [redacted]’s concerns. I appreciate the chance to provide the following information.I know that [redacted] feels it’s unreasonable for us to request additional information from her. However, we need this information so we can verify the address where she keeps her vehicles and make sure we’re providing her with a correct rate. Although [redacted] doesn’t own her home and is renting, there’s some additional documents we will consider, such as a paycheck stub that includes her address and the withholding information. If one of these documents are not available, [redacted] can also send “two” of the following: A driver’s license issued within the past six months A renter’s insurance declarations page dated within the last 30 days  A utility bill in her name (gas, electric, water, internet, home phone)Unfortunately, if [redacted] is unable to provide the documents needed, we won’t be able to offer her a policy at this time.If you have any questions, please call me at [redacted]. Sincerely, Rose S[redacted]
Consumer Relations Specialist

The claim number is [redacted], and the other party to the claim would be listed as my wife, [redacted] [redacted]-[redacted]. Thank you!

Re:     File Number:           [redacted]                Claim Number:        [redacted]           On Behalf of:           [redacted]                                               Policy Type:             Personal Auto           NAIC Number:         155-29203           Company Name:      Progressive County Mutual Insurance Company       Mr. [redacted]   Attached is our response. Please call me with any questions at [redacted] Sincerely, [redacted]

January 28, 2016Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto  NAIC Number: [redacted] Company Name: Progressive...

County Mutual Insurance CompanyMs. [redacted],I’m writing in reply to your letter dated January 21, 2016. I’m sorry for any confusion concerning the damages to Mr. [redacted]’s vehicle.  We’re still in the process of completing an accurate and thorough coverage liability investigation to this claim. Ms. [redacted] is correct in stating that this policy is active however, this does not automatically guarantee any payout. We need to establish whether the damage to the vehicle involved is directly related to a sudden, direct and accidental loss. We need to also establish that the damage to the vehicle involved happened within the policy period and not before. We’ve completed an inspection to the vehicle in question. The inspection revealed four separate damage areas all with different possible facts of loss scenarios ranging from hail to old dents that are rusted out.  In order to accurately complete our investigation we need to speak to our customer to confirm how the damage occurred, how many losses are involved and if the losses occurred within the policy period. We’ve attempted to reach our customer, but have had no success. We have since reserved our rights to deny coverage if there is no cooperation from our customer. Our customer is under contract with us and under this policy contract it is clear what our customer’s duties are: Per the [redacted] Policy Part IV – Duties in case of an accident or lossA person seeking coverage must:Cooperate with us in any matter concerning a claim or lawsuitPromptly call to notify us about any claim or lawsuit and send us any and all legal papers relating to the claim or suit.  Without the cooperation of our customer in confirming and clarifying the aforementioned issues, we will be forced to deny coverage for the loss or losses being requested.  I’m sorry for any confusion. If you have questions, please call me at 1-915-519-3033. Sincerely,Alejandro A[redacted] Alejandro A[redacted]Claims Manager

[redacted]May 25, 2017Revdex.com, Inc.2800 Euclid Avenue 4th FloorCleveland, OH  44115-2408Attn:  [redacted]   Re:  File Number: [redacted]        Customer Name: Andrew [redacted]     ...

 Policy Number: [redacted]       Policy Type: Motorcycle       NAIC Number: [redacted]       Company Name: Progressive Advanced Insurance Company Mr. [redacted]I’m writing in reply to your letter dated May 19, 2017. Thank you for allowing me the opportunity to address Mr. [redacted] concerns. I’m sorry for the frustration that this caused him.On May 8, 2017, we issued an annual policy for $172, which included the November 15, 2016 speeding violation in the rating. We consider the ‘Speed not to impede traffic’ as a speeding violation. If Mr. [redacted] feels that this isn’t correct, he must contact the Arizona Department of Motor Vehicles for a correction.In accordance with our filed rating plan, we’ll apply a surcharge to any accidents or moving violations occurring within the 35-month period prior to the inception date of the policy and at renewal. The only way that we’ll remove a violation, is to receive a motor vehicle report, confirming that the violation has been deleted from a customer’s driving record. Because this violation is considered a part of Mr. [redacted] driving record, a refund isn’t due.If you should have any questions, please call me at [redacted].Sincerely,Annie [redacted]Consumer Relations Specialist

August 10, 2016Revdex.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 Advanced Insurance Company      Ms. [redacted],I’m writing in response to your letter dated August 4, 2016. I appreciate the opportunity to address Ms. [redacted]’ concerns.On October 3, 2015, Ms. [redacted] reported the incident to us. We determined the 2009 [redacted] was not a total loss, and we wrote an estimate to have the vehicle repaired. We reached an agreed price with Ms. [redacted]’ shop of choice, [redacted] of [redacted], to repair the vehicle, and they agreed the vehicle was repairable. [redacted] of [redacted] completed the repairs in late October of 2015. In March of 2016, Ms. [redacted] contacted us and complained that her car was having difficulties accelerating. She took her car back to [redacted] of [redacted] for diagnosis. The service manager there explained that since she has a [redacted] transmission, which is a sealed transmission, it is highly unlikely that water intruded into the transmission. It was their opinion that any issues Ms. [redacted] was having with her car were not related to the October incident. In July of 2016, Ms. [redacted] complained that her door locks were engaging and disengaging on their own and again stated the vehicle was not accelerating correctly. She took her vehicle to [redacted] in Fredericksburg for diagnosis and repair. The service manager there has been unable to duplicate the problems Ms. [redacted] described with her transmission. He indicated that they drove the car on a 60 mile round trip on the interstate, and they were unable to duplicate any problem with the transmission.We asked the service manager if he believed that water could intrude into a [redacted] transmission. He explained that it was his opinion that it could not. He advised that if water did penetrate the transmission in some way there would be far more problems than what Ms. [redacted] has described. He went further to say that the [redacted] transmission on this year, make and model is known for having problems like the ones described by Ms. [redacted]. A quick internet search confirmed what the service manager told us about these transmissions. He feels any problems Ms. [redacted] described are unrelated to this water incident from October 2015. The car has been driven 9,469 miles since it was first in the shop last October. We’ve agreed to cover the locking problem with the door, because it is possible that was caused by the water incident. We arranged to meet Ms. [redacted] at [redacted] on Wednesday, August 10, 2016, to review the transmission complaint in person. We also received permission from her to obtain a transmission fluid sample from her vehicle to confirm or rule out any water that may have gotten into the unit. I’m sorry this has been a difficult process for Ms. [redacted]. If you have any questions, please call me at 1-540-759-3372. Sincerely,Andrew L**Andrew L**Claims ManagerEnclosure

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

October 21, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Universal...

Insurance Company Ms. [redacted],I’m writing in reply to your letter dated October 15, 2016. Thank you for the opportunity to clarify the situation. On August 2, 2016, Ms. [redacted] purchased a six-month Oregon policy, effective until February 2, 2017. At that time, she elected automatic payments for her policy, which we scheduled for withdrawal on the second day of each month. On September 13, 2016, Ms. [redacted] called to obtain a quote for a new policy in another state. On October 2, 2016, we withdrew the monthly payment of $133.59 as scheduled.On October 4, 2016, Ms. [redacted] called to cancel her policy effective the same date.On October 7, 2016, Ms. [redacted] called to dispute the withdrawal of her October payment, indicating that she had previously requested to cancel her policy on September 13, 2016. She asked that we reimburse her for overdraft fees she incurred with her bank because of our error. In response to Ms. [redacted]'s concerns, we completed a review of her call to us on September 13, 2016. During the call, she stated that she could not purchase the new policy we quoted for her and wanted to keep her current policy active. She indicated that she would call us back if she decided to purchase another policy. We did not receive a request from Ms. [redacted] to cancel the policy until October 4, 2016, at which point we had already submitted the scheduled October payment to Ms. [redacted]'s bank for withdrawal.Ms. [redacted] then stated that she had actually obtained other insurance on September 16, 2016. Based on this information, we revised the cancellation date of her policy from October 4, 2016, to September 16, 2016. However, we declined to reimburse her for any overdraft fees.On October 11, 2016, Mr. [redacted] called to make a second request for reimbursement of the overdraft fees charged by his bank. He indicated that we withdrew two payments from his bank account in October for $133.59. We called out to Mr. [redacted]'s bank to clarify his payment concerns. US Bank confirmed that they completed our first attempt for payment withdrawal on October 4, 2016, with a second attempt on October 11, 2016. Our bank will automatically attempt to present a payment a second time should the first attempt be unsuccessful. US Bank did not honor either attempt for the payment withdrawal of $133.59. We again declined to reimburse any overdraft fees for Mr. [redacted]. On October 14, 2016, Ms. [redacted] called to make another request for reimbursement of overdraft fees. She stated that she notified us of her request to cancel, but we still attempted to withdraw the October payment multiple times. When Ms. [redacted] requested to cancel her policy on October 4, 2016, we had already submitted the payment withdrawal request to her bank two days prior. We are unable to prevent a second attempt from occurring if the first attempt for payment is unsuccessful. We again explained to Ms. [redacted] that because an error had not occurred on our part, that we would not be able to reimburse her for any bank fees. She then disconnected the call. I'm sorry for the financial difficulty this situation has caused the [redacted]s. While I cannot offer to reimburse the overdraft fees as they’ve requested, as a courtesy, I've waived the fee charged for the returned October payment, which will result in a refund of $10.24 to the bank account we have on file for them.  If you have any questions, please call me at 1-440-910-6392. Sincerely, Anna O[redacted]Anna O[redacted]Consumer Relations Specialist

March 1, 2016Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted]   Customer Name: [redacted]   Policy Number: [redacted] Policy Type: Personal Auto  NAIC Code: [redacted]  Company Name: Progressive Advanced Insurance Company    Ms. [redacted],I am writing in reply to your inquiry dated February 12, 2016. Mr. [redacted] has four previous policies that canceled with a balance owed. I have listed all pertinent information for Mr. [redacted]’s review. If Mr. [redacted] feels we reported these in error, he may contact the Credit Bureau and dispute the charge. Policy number Policy type Amount due Sent to collections 18361009-0 Motorcycle $85.27 Yes 26591566-0 Motorcycle $18.50 No21360811-1 Auto $193.32 Yes [redacted] Auto $486.45 Yes If you have any questions, please feel free to contact me at 1-440-620-6940.Sincerely, Jeff P[redacted]Jeff P[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.Once again progressive refuses to help in any way, shape or form, concerning the damage to the trailer. They have not even offered to cover a cleaning and keep telling us that the damage was not covered in our policy. If we had known going into purchasing this policy that they covered nothing outside of a collision, we would have selected another insurance company. GAP coverage is standard coverage for any new vehicle that you purchase through financing with insurance and would cover our loss under these circumstances, why they do not offer it on a trailer that is almost as much as a car is ridiculous and opens up new camper owners to financial losses like the one we are currently experiencing. We had to purchase our policy online, we didn't have an agent to walk us through what was covered and what wasn't. Not only that our policy documents weren't online when we logged into our policy so we couldn't review them. They didn't even send us a renewal contract. Our policy lapsed and I had to contact them to renew. This trailer was financed, it's required to have insurance, Progressive should know that considering they are an insurance company but they completely let our policy expire without contacting us. Their service has been horrible from the start, and now they are refusing to take any responsibility. Going to my storage facility for responsibility for the damage is asinine, it's an outdoor facility, they can't promise to control wild animals, especially mice. It's almost impossible to keep mice out of anything. As a matter of fact after our camper was destroyed I went online to a lot of different camper blogs to see if other people have had the same experience and I read multiple stories of camper owners going to extremes to keep mice out but they still got in. This should be standard camper insurance coverage. It is if you insure your camper with [redacted] Farm! The whole reason we purchased insurance in the first place was to cover our camper for any unforeseen damage or loss, especially something that is beyond our control. We weren't given any options to the coverage level we got to select for the camper, it was a standard camper policy, we would have gladly paid extra for more comprehensive coverage, but none was offered. Progressive has a responsibility in this case whether they want to admit it or not, most companies would be going above and beyond in a situation like this. I know [redacted], who is our insurance company on ours cars and home would. They are a top rate company with stellar reviews and customer satisfaction and it's why we use them. They stand by their customers and have high standards, they always are amazing whenever we need anything. They even contacted Progressive on our behalf on more than one occasion concerning this issue because they thought it was a unfair and wrong that Progressive denied our claim. Not all Insuance companies deserve the bad public image that they get but Progressive certainly does. They are not interested in caring for their customers at all and it shows. 
Regards,
[redacted]

August 12, 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 Number: [redacted]       Company Name: Progressive Advanced Insurance Company Ms. [redacted],I’m writing in reply to your letter dated August 5, 2016. The following is a summary of our investigation. On May 11, 2016, we received report of the accident from Ms. [redacted]. She reported that our customer Ginger Grass rear-ended her vehicle. After an investigation of the loss, we determined Ms. Grass 100 percent liable for the loss.On May 17, 2016, we inspected Ms. [redacted]’s 2008 [redacted].We paid the body shop to pre-fit the aftermarket bumper cover listed on the estimate to ensure it fit correctly per their request. The body shop painted the aftermarket bumper cover and installed it on Ms. [redacted]’s vehicle without verifying if it would fit properly, as they had requested and been paid to do. Ms. [redacted] picked up her vehicle from the body shop and then contacted us and advised that the bumper did not fit properly.  On May 23, 2016, we inspected Ms. [redacted]’s vehicle at her residence and agreed that the bumper did not fit properly. We issued payment for the difference in the cost of the part to have the bumper cover replaced with an original equipment part from [redacted]. If there was a problem with the part, the shop was aware that they should notify us before replacing it, which they failed to do. We have paid to have Ms. [redacted]’s vehicle repaired to pre-loss condition. With respect to your claim of diminished value, please be advised that a claims history search for Ms. [redacted] 2008 [redacted] shows it had been involved in two losses prior to the subject incident.  Due to your vehicle having been involved in these two accidents prior to this loss, there is no evidence that this specific incident diminished the value of your vehicle.I'm sorry for the inconvenience Ms. [redacted] has experienced. If you have any questions, please call me at 1-623-299-4760.  Sincerely,Brian Van V[redacted]Brian Van V[redacted]Managed Repair Manager

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 14, 2016. I appreciate the opportunity to clarify the situation.On September 28, 2015, Mr. [redacted] reported that his 2001 Ford F150 was stolen from a shop where he had left it for repairs and it had been burnt. As part of our investigation, we obtained a recorded statement from Mr. [redacted] regarding the facts of loss, the condition of the vehicle prior to the loss, and a timeline of when he last saw the vehicle. The investigation supports that Mr. [redacted] misrepresented the facts of loss regarding this incident. Our claims representative went by the shop that has cameras on the outside of the building and confirmed that the vehicle wasn't drivable as Mr. [redacted] reported. The vehicle had been towed into the shop on September 14, 2015. It had not been left there just over the weekend, but had been there for a couple of weeks. The video from the shop also confirmed the condition of the vehicle as having a spare tire on it at the time the vehicle was dropped off, which Mr. [redacted] also misrepresented. PART VI - DUTIES IN CASE OF AN ACCIDENT OR LOSSFor coverage to apply under this policy, you or the person seeking coverage must promptly report each accident or loss even if you or the person seeking coverage is not at fault.  You or the person seeking coverage must provide us with all accident/loss information including time, place, and how the accident or loss happened.  You or the person seeking coverage must also obtain and provide us the names and addresses of all persons involved in the accident or loss, the names and addresses of any witnesses, and the license plate numbers of the vehicles involved.If you or the person seeking coverage cannot identify the owner or operator of a vehicle involved in the accident, or if theft or vandalism has occurred, you or the person seeking coverage must notify the police within 24 hours or as soon as practicable.A person seeking coverage must:1. cooperate with us in any matter concerning a claim or lawsuit;2. provide any written proof of loss we may reasonably require;3. allow us to take signed and recorded statements, including sworn statements and examinations under oath, which we may conduct outside the presence of you or any other person claiming coverage, and answer all reasonable questions we may ask as often as we may reasonably require;4. promptly call to notify us about any claim or lawsuit and send us any and all legal papers relating to the claim or suit;5. attend hearings and trials as we require;6. take reasonable steps after a loss to protect the covered auto, or any other vehicle for which coverage is sought, from further loss.  We will pay reasonable expenses incurred in providing that protection.  If failure to provide such protection results in further loss, any additional damages will not be covered under this policy;7. allow us to have the damaged covered auto, or any other damaged vehicle for which coverage is sought, inspected and appraised before its repair or disposal;8. submit to medical examinations at our expense by doctors we select as often as we may reasonably require; and9. authorize us to obtain medical and other records.  PART VII - GENERAL PROVISIONSFRAUD OR MISREPRESENTATIONThis policy was issued in reliance upon the information provided on your insurance application.  We may void this policy at any time, including after the occurrence of an accident or loss, if you:1. made incorrect statements or representations to us with regard to any material fact or circumstance;or  2. fraudulently concealed or misrepresented any material fact or circumstance;at the time of application or to obtain a renewal of this policy. However, we will provide liability coverage under Part I – Liability To Others to the extent required by the financial responsibility law of the State of [redacted] for an accident that occurs before this policy is declared void.We may deny coverage for an accident or loss if you or a person seeking coverage has knowingly concealed or misrepresented any material fact or circumstance, or engaged in fraudulent conduct, in connection with the presentation or settlement of a claim. However, this will not apply to: 1. any property interest of you or a relative that is impaired as the result of an act of domestic violence as defined by [redacted] law, provided the person claiming the property interest: a. cooperates in any investigation relating to the accident or loss; and  b. did not cooperate in, direct, or contribute or consent to the concealment, misrepresentation or fraudulent conduct; and 2. liability coverage to the extent required by the financial responsibility law of the State of [redacted] for bodily injury or property damage sustained by persons who did not participate in the concealment or misrepresentation of a material fact or circumstance, or fraudulent conduct.Mr. [redacted] mentions in the complaint that he was waiting for his appointment to complete an examination under oath. However, we did not request an examination under oath in this case. Given the material misrepresentation that Mr. [redacted] presented during our investigation, we denied his claim. I'm sorry for the inconvenience caused. If you have any questions, please call me at 1-623-687-3026.  Sincerely,Jessica H[redacted]Jessica H[redacted]Fire and Theft Supervisor