Progressive Corporation

February 4, 2016Revdex.com 2800 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...

Southeastern Insurance Company Ms. [redacted],I’m writing in reply to your letter dated January 29, 2016. I appreciate the opportunity to clarify the situation. Our records reflect that Ms. [redacted] used the Roadside Assistance coverage under her policy on the following dates: 03/26/15; 05/10/15; 06/25/15; 07/07/15; 07/13/15; 07/15/15; 10/02/15; 10/03/15; 12/01/15 and 12/02/15. We review all of our policies as they come up for renewal, and claims frequency, including those for Roadside Assistance, can result in nonrenewal of a policy. Based on the dates of service referenced above, we issued a Nonrenewal Notice to Ms. [redacted] on January 14, 2016, effective for February 14, 2016. I’m sorry for any frustration Ms. [redacted] experienced. If you have questions, please call me at 1-440-910-6392. Sincerely, Anna O[redacted]Anna O[redacted]Consumer Relations Specialist

Please see the attached.

(The following was copy/paste by Revdex.com staff - LST)[redacted]September 9, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company...

Name: Progressive Direct Insurance CompanyMr. [redacted]I’m responding to your letter dated September 4, 2017. Thank you for forwarding Mr. [redacted]’s concerns and I’m happy to provide a brief history of his policy to explain what has happened so far.Mr. [redacted] purchased his policy on August 10, 2016. I’ve included a copy of his signed Application for Insurance which discloses his agreement with us about the policy fees and terms of cancellation. This agreement explains the penalty for early cancellation and provides information on the original motorcycle he insured and the coverage he elected.He elected to pay for his coverage using our Electronic Funds Transfer (EFT) auto withdrawal method. His signed agreement provides an explanation letting him know how to terminate the automatic withdrawals and stipulates that we will continue to withdraw funds for coverage, policy changes and renewals, unless otherwise notified by him to discontinue the withdrawals.In September of 2016, Mr. [redacted] contacted us and requested multiple changes of  motorcycles and coverage. At that time, he requested his Comprehensive and Collision deductibles be change from $500/$500 to $1000/$1000. We sent revised Declaration Pages confirming his request.In early July 2017, we sent a Renewal Offer that included a Renewal Bill, Declaration Page and Identification card to the policy address. The Renewal Bill provided the upcoming EFT schedule and explained that we would automatically withdraw the renewal payment on August 10, 2017 to ensure no lapse in coverage.I know Mr. [redacted] would like us to waive the balance due, however, we have filed our cancellation terms with the state and are required to adhere to our filed rules. I’m sorry that Mr. [redacted] was not satisfied with our service and wish him the best in his future endeavors. If he’d like to make payment arrangements, I’d be happy to assist him.If you have any questions, please call me at [redacted]Sincerely,Nancy A[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.
Again, they did not explain how they came to this conclusion, nor do they want to. Like I have asked to everyone along the Progressive "line", how long is a semi truck retread? Do you know how much damage can be  inflicted by this type of tire when it peels off and comes flying at you in the freeway? How is it that the insurance company, who actually is paying for the claim, had no problems for paying for the wheel cover, but "my" insurance company, decided not to? What I see are shady insurance company practices, and still very poor customer service. How come they don't call me, instead of me having call you? Thanks.
Regards,
[redacted]

[redacted] [redacted]June 28, 2017Revdex.com 2800 Euclid Avenue, 4th floorCleveland, OH  44115 Attn: [redacted]Re: File Number: [redacted] Customer Name: Derek [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Universal Insurance CompanyMr. [redacted],I’m writing in reply to your follow-up email dated June 16, 2017.We received a payment of $227.50 on April 11, 2017. This payment was originally due on March 15, 2017. When we didn’t receive Mr. [redacted]s March payment, we issued a Cancel Notice on April 3, 2017, giving him until April 14, 2017 to make the payment.On April 14, 2017, we issued his bill for $237.50 due by April 30, 2017. This was to be the last payment due on the policy period that was to expire effective May 16, 2017. We didn’t receive the payment.We canceled the policy effective May 12, 2017, per Mr. [redacted] request. Since we never received his April payment, he has a balance due after cancel of $210.69, for coverage we provided up to the cancel date. We referred this balance to Credit Collection Services on June 26, 2017. Mr. [redacted] can call us anytime at 800-888-7764 to make the payment. He can also call CCS at 866-945-4973 to make the payment. I hope this helps him to understand why he has an outstanding balance. Please call me with any questions at [redacted].Sincerely,Sharon D. [redacted]Consumer Relations Specialist

April 19, 2016Revdex.com 2800 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...

Paloverde Insurance Company Ms. [redacted],I’m writing in reply to your letter dated April 11, 2016. I appreciate the opportunity to clarify the situation. On December 21, 2015, Ms. [redacted] initiated a policy with us by phone with a six-month rate of $1,144. She completed the purchase of this policy with a credit card payment of $190.71. We fully disclosed the rate and payments to Ms. [redacted] at that time.Ms. [redacted] had a prior policy with us (908119394), which she purchased online at a six-month rate of $749, effective December 8, 2015. We rescinded the policy effective the same date, because her bank did not honor the initial payment of $124.86.In comparing the rates for both policies, Ms. [redacted] qualified for additional discounts under the prior policy, including an Online Quote and Snapshot® Discount, which did not apply to the new policy. The new policy also reflected a lapse in coverage from December 8, 2015, until December 21, 2015, which affected the rate. We canceled policy [redacted] effective January 30, 2016, as Ms. [redacted] did not respond to our request to contact us for the completion of an underwriting review. We’ve also since been notified by the issuing credit card company of a dispute with the initial payment of $190.71 we received from Ms. [redacted]. After reversing this payment, a balance of $190.71 remains for the coverage we provided her until the cancel date of January 30, 2016. I’m sorry for any confusion or frustration this caused Ms. [redacted]. If you have questions, please call me at 1-440-910-6392.Sincerely, Anna O[redacted]Anna O[redacted]Consumer Relations SpecialistEnclosures

March 16, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH  44115 Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Marathon Insurance Company Ms. [redacted], I’m writing in response to your follow up letter dated March 10, 2016.We investigated the claim due to a discrepancy of information found at the inception of the policy. After a thorough investigation, we confirmed that the 2009 [redacted] was not garaged at the policy address provided at the inception of this policy and our customer[redacted], had no insurable interest in the 2009 [redacted]. Therefore, we denied this claim based on fraud and misrepresentation of material facts at the policy inception.If you have any further questions, please call me at 1-269-459-3457.Sincerely,Kristi Y[redacted]Kristi Y[redacted]Claims Manager

March 7, 2016Revdex.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 Marathon Insurance...

Company Ms. [redacted],I’m writing in response to your letter dated February 25, 2016. I appreciate the opportunity to address Ms. [redacted]’s concerns about her policy.On January 26, 2016, Ms. [redacted] did call our Relationship Center advising someone hit her vehicle while parked and wanted to know if her rate would increase with the February 28, 2016 renewal policy. In reviewing Ms. [redacted]’s call, I confirmed that in error, our representative did tell Ms. [redacted] that her rate would not increase as long as the claim was under $1,000. Our insurance program accounts for not-at-fault accidents. Although we do not assess points for not-at-fault accidents, we do consider them in the total rating of the policy. When Ms. [redacted]’s policy renewed, the February 28, 2016 claim did increase the rate an additional $323. Due to our error in telling Ms. [redacted] the claim would not affect her renewal rate, I’ve made an accommodation to remove the January 17, 2016, not at fault accident from this policy period effective February 28, 2016. This change resulted in a credit of $323, reducing the rate from $1,453 to $1,130. Please note, we will add the January 17, 2016 claim to the policy upon the next renewal effective August 28, 2016.I’m sorry for our error and the inconvenience we caused. If you have any questions, please call me at 1-440-620-6944. Sincerely, Rose S[redacted]Rose S[redacted]Consumer Relations Specialist

December 13, 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: 155-11851 Company...

Name: Progressive Advanced Insurance Company        [redacted],I’m writing in reply to your inquiry dated December 8, 2016. I’ve included a timeline to help clarify the situation. On October 28, 2016, [redacted] purchased her policy with us. On November 1, 2016, we sent [redacted] a memo requesting that she contact us by November 15, 2016, to review several items on her policy in order to avoid a premium increase or cancellation. We also sent an email the same day letting her know a memo is available online. On November 15, 2016, we sent [redacted] a memo letting her know that while her policy is pending cancellation, we will not automatically withdraw her payments. On November 16, 2016, because [redacted] didn’t respond to our request to verify policy information, we sent her a Notice of Cancellation or Refusal to Renew via certified mail.On December 4, 2016, we sent [redacted] her Final Bill indicating her coverage ended on December 3, 2016.I reviewed [redacted]’ December 2, 2016 call, which was approximately four minutes long. [redacted] was inquiring about her next payment and payment due dates. Our representative was busy gathering information to answer [redacted]’ billing and didn’t mention the pending cancellation. I’m sorry that we missed an opportunity to remind you of the pending cancellation on December 2, 2016, but we did send you numerous memos concerning your cancellation and we sent a certified letter letting you know when this would happen. I know this isn’t what [redacted] wants to hear, but we’re unable to reinstate her policy. I’ve attached the documents we sent to [redacted] in case she wants them for her records. I’m sorry for any inconvenience this may have caused. If you have any questions, please call me at 1-440-620-6940.Sincerely, Jeff P[redacted]Jeff P[redacted]Consumer Relations Specialist

Response attachedBusiness response copied and pasted below by Revdex.com staff MT 3/22/17:March 22, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Melissa TrahanRe: File Number: [redacted] File Name: Angela G[redacted] Claim Number: [redacted] Policy...

Type: Personal Auto NAIC Number: 155-29203 Company Name: Progressive County Mutual Insurance CompanyMs. T[redacted]I’m writing in reply to your letter dated March 9, 2017. Thank for the opportunity to clarify the situation.On December 5, 2014, Eddie G[redacted] drove a 2014 Toyota Tundra owned by Ponciano G[redacted], when it was involved in a major accident. The damages to the 2014 Toyota Tundra were severe and resulted in it being declared a total loss. Unfortunately, Ponciano G[redacted] was in the hospital at the time of loss and passed away shortly after the accident. He didn’t have a spouse or any other person on his policy. Because we weren’t aware that he was married, we requested verification from Ms. G[redacted] to confirm she was the spouse prior to discussing confidential information with her.I’m sorry that Ms. G[redacted] feels we acted illegally on behalf of Mr. G[redacted]. On March 9, 2015, Security Service Federal Credit Union repossessed the 2014 Toyota Tundra. At that time, Mr. G[redacted] still owed Security Service Federal Credit Union $41,194.58.On March 24, 2015, we issued a payment of $30,641.68 to Security Service Federal Credit. The payout represents the Actual Cash Value (ACV) of Mr. G[redacted]’s vehicle less his $499 deductible. Because the ACV was less than the amount still owed on the loan, it left a negative equity of $10, 513.14, owed to Security Service Federal Credit Union.The title was transferred to Progressive Casualty Insurance Company once we reached a settlement with the lien holder. On May 1, 2015, we sold the salvage to Superstar Auto Parts on a “Parts Only/Junk Title” because the damage to the vehicle was so extensive.We’ve explained to Ms. G[redacted] that our contractual obligation has been fulfilled and that we’ve paid the ACV under Mr. G[redacted]’s Collision coverage to the lien holder. I’m sorry that she feels that any of our interactions were rude as that wasn’t our intention. If you have questions, please feel free to call me at 1-210-774-2789.Sincerely,Mark [redacted]
Mark [redacted]Mark [redacted]Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I will see if the lady by the name of Nicole progressive new agent now on my claim will get the ball rolling for this ordeal unlike first agent Mr. [redacted]! ? Also if so I need to see what the new estimate will determine to get my car back in immaculate condition like it once was before this accident , I attached before and after pitted to this claim response.  Also , I strongly feel the original estimate will not cover the total repairs I need to put my car back to its original state. ......So I will come to a close on this once complaint once progressive truly satisfy my needs with your help and if this does not get the situation resolve may have to result to a higher means of help (State Dept.of Insurance Commerce ) But hopefully I do not have to go that far and they comply with this Revdex.com resolution system.
Regards,
Pamela J[redacted]

March 3, 2016Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted]Customer Name: [redacted]Policy Number: 907044486Policy Type: Personal AutoNAIC Number: 155-21735Company Name: Progressive Premier Insurance Company of IllinoisMs. [redacted],I'm writing in reply to your letter dated February 25, 2016.I’m sorry if I offended Mr. [redacted] by providing the Snapshot details, as I was only trying togive him the most up to date information. I confirmed that we charged the device fee onFebruary 19, 2016, but after we received it on February 24, 2016, we removed this fee.Whenever there’s a policy change that affects the rate, we legally have to issue new policydocuments to the customer. We didn’t make arbitrary changes to Mr. [redacted]’s policy; wemade a coverage change that he requested and we updated the policy when we needed toadd or remove discounts.We removed EFT effective January 31, 2016, which increased the policy a prorated amountof $8.02. The $8.02 is based on this change being effective on January 31, 2016, and goingto the policy’s expiration date of March 5, 2016, which is 34 days. If you divide the $8.02 bythe 34 days, it equals a charge of about $.24 per day. We canceled the policy once wereceived his email cancel request effective February 1, 2016. This means we only chargedhim for the EFT removal for one day, or about $.24. I can understand why the timing of thisis bothersome to Mr. [redacted], but without knowing when he’d send us the cancel request,we wanted to make sure that the scheduled withdrawal didn’t occur on February 1, 2016.I’m not able to add EFT back onto the canceled policy for one day so that Mr. [redacted] isn’tcharged the $.24, so I removed a $1 Installment fee due to the situation.If you have any questions, please call me at 1-440-395-3384.Sincerely,Dona [redacted]Dona [redacted]Consumer Relations Specialist

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. 
Regards,
[redacted] I was able to open and read this on my phone and accept that they will reverse the charges. my bank returned the payment which incurred the fee they tried to charge because they were no longer authorized to draft from my account and  I also notified my bank to allow no further drafts from my account ever.  this company continues to solicit me and if possible I wish to be removed from their mailing list.  thanks so muchh for all you help in this matter. I will contact you again if they fail to do as promised.

March 29, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]...

[redacted] Re: File Number: [redacted]  Customer Name: [redacted]   Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted]  Company Name: Progressive Southeastern Insurance Company Ms. [redacted],I’m writing in reply to your letter dated March 21, 2016. I appreciate the opportunity to clarify the situation. On January 21, 2016, Ms. [redacted] reported a claim for January 15, 2015. In our investigation of the damage, we noted that the right rear tire had significant uneven wear that supported the reported date of loss. We identified that the damage to the right quarter panel and right door was fresh and the exposed bare metal had virtually no rust.While the vehicle was on the lift, our claims representative brought Ms. [redacted] back to show her the damages. We explained that we would need to set up a second claim to provide coverage for the damages to the quarter panel and door. We also made her aware that each claim would have a separate deductible. Mr. [redacted] advised us of his concerns, indicating that the loss happened when        Ms. [redacted] had a dentist appointment and that he had the suspension repairs completed in the summer of 2015. We agreed to research the matter further in an effort to find additional coverage and address his concerns.We contacted Mr. [redacted]’s mechanic at [redacted]’s Automotive to confirm the date of loss and obtain any documentation of body damage to the vehicle. [redacted] stated he recalled there being some body damage and was surprised that Mr. [redacted] was not repairing it. This information supported some related body damage from the original claim. The mechanic also confirmed that he replaced the right rear lower control arm. We paid for this replacement of the lower control arm under the first claim.Our inspection revealed that there was current damage to the right rear lower control arm, which would require replacement. As Mr. [redacted]’s mechanic replaced the lower control arm in the summer of 2015, and it again required replacement in February of 2016, we had clear indication of two separate losses and possibly a third to this vehicle.We contacted [redacted] at [redacted] to obtain any information that would help support the facts of loss as claimed. In speaking to [redacted], he was aware that Ms. [redacted]’s vehicle struck something in the parking garage but was unable to recall any further details.  As Ms. [redacted] stated she had AAA assist her with changing her flat tire after the impact, we contacted AAA in order to confirm the date of loss and any facts of loss or damages they would have noted in assisting her. We contacted AAA on three separate occasions and spoke to three different representatives. AAA was unable to locate any records in 2015 for the [redacted]s in the Indianapolis area where the loss occurred. When we reviewed this information with Mr. [redacted], he then stated that the loss might have occurred eighteen months prior instead of twelve months, as originally reported. This change to the date of loss now conflicted with the information we initially obtained.  We’ve reviewed and investigated every avenue that we could identify or that the [redacted]s provided us, in order to find all applicable coverage for their vehicle. As a result, we’ve provided them with two accurate estimates for two clearly defined losses that they incurred and charged them the appropriate deductible as agreed upon in their policy.I’m sorry for any inconvenience the [redacted]s experienced. If you have questions, please call me at 1-765-479-4193.Sincerely, Brian D[redacted]Brian D[redacted]Claims Manager

July 25, 20**Revdex.com2800 Euclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted]any Name: Progressive Premier...

Insurance Company of IllinoisMs. [redacted],We’re writing in reply to your letter dated July 21, 20**. We’re sorry for any confusion and appreciate the opportunity to clarify the situation. When Ms. [redacted] purchased her policy over the internet, she selected the coverages she wanted on her policy. Our website has safeguards in place to educate consumers about the coverages available; it includes an invitation to chat with a live agent, which gives them an option to have a licensed agent call them at their convenience to discuss the coverage options available and to answer their questions before they purchase a policy. We can’t force a customer to purchase Comprehensive and/or Collision coverage for their vehicle. Our quoting system allows a customer to list a lienholder without Comprehensive or Collision coverage; however, if they do this, they receive a warning that their finance company may require Comprehensive and Collision Coverage, and if they’re considering removing or not adding them, it strongly recommends that they contact their finance company. We’ve attached copies of the Application that Ms. [redacted] signed accepting the coverages she chose and the Coverage Summary that also listed her chosen coverages.We were alerted of a coverage issue on July 21, 20** and spoke with Ms. [redacted] on the same date. During our discussion she stated that while she was taking out the policy online that she had additional questions. She stated that she called the 1-800-Progressive phone number and spoke with a male agent. During this conversation she states that she was told to execute the policy online and that he would call her prior agent on Monday to confirm her prior coverages. Ms. [redacted] states that she never heard back from the policy services representative and no changes were made to her coverage.  As a result of her inquiry, we have requested any recorded calls in reference to the above captioned policy be retrieved, so that we can determine applicable coverages for this loss. We expect to have the results of the call retrieval no later than August 1, 20**.  If you have any policy questions, please call Dona. If you have any claims questions, please call Tony.Sincerely, Dona R[redacted]Dona R[redacted]Consumer Relations Specialist1-440-395-3384Tony S[redacted]Tony S[redacted]Newnan Claims Supervisor1- 678-621-6541

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.From: [redacted]Date: Thu, Dec 31, 2015 at 11:18 AMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint #[redacted].To: [redacted]My original complaint clearly states:"I've been insured with Progressive for about twenty years. My level of membership should be the highest level, or Crown membership. I've been with Progressive for over twenty years. Progressive claims I had a laps in membership for about three months. The three months Progressive is claiming was a result of Progressive's failure to forward my billing to the correct location. As a result I was told I had no coverage. Progressive's failure is causing me to not have a top membership level."Progressive failed to answer the allegations in my letter leaving certain allegations admitted. My complaint alleges:"Progressive claims I had a laps in membership for about three months. The three months Progressive is claiming was a result of Progressive's failure to forward my billing to the correct location. As a result I was told I had no coverage. Progressive's failure is causing me to not have a top membership level."The complaint clearly states the three months laps was "Progressive's failure to forward my billing to the correct location". Progressive never denied this allegation.>>>>>>>>>>>>>>>>>&...⇄ responded:"In reviewing [redacted]’s policy history, his earliest policy effective date was April 8, 1997. He experienced a lapse in coverage from March 13, 2003, until June 9, 2003." >>>>>>>>>>>>>>>>>>...⇄ my initial policy with progressive was around 1993-1994. I purchased a [redacted] new and was insured by Progressive, and has been insured ever since. Obviously, Progressive's records review missed this data, and would have giving me more the twenty years.Finally, Progressive's 30 day policy was not in force when I originally became Progressive insured, therefore I should not be bound by policy changes, unless Progressive can show, clearly, that I was notified of the policy changes by documentation sent to me which allows me to refute the changes. And, the 30 days Progressive is stating never originally stated that there can be no laps in coverage, as I have read Progressives original promotional material.[redacted]

March 9, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMs....

[redacted], I am writing in reply to your inquiry dated March 2, 2016. Thank you for the opportunity to clarify the situation.The complaint arises from an accident that occurred on February 17, 2016, which involved [redacted] and our customer, [redacted]. Ms. [redacted] was exiting a Walgreens parking lot to turn left and head east on Ridge Road in Parma, Ohio.  Westbound traffic in the right lane on Ridge Road had stopped to allow Ms. [redacted] to exit the parking lot. Per Ms. [redacted]’s recorded interview, as she started to exit the parking lot, Ms. [redacted], who was westbound on Ridge Road in the right lane behind the vehicle stopped to allow Ms. [redacted] to exit, decided to change lanes into the left lane and was struck by Ms. [redacted]. Ms. [redacted] stated she was traveling in the left lane and didn’t change lanes prior to the accident occurring. Our liability investigation found Ms. [redacted] to be 20 percent at fault for not taking evasive action to avoid an accident.  Upon further review, we’ve changed our liability decision and agree to pay 100 percent of Ms. [redacted]’s damages. Ms. [redacted] was notified of the decision on March 4, 2016.   I’m sorry for the inconvenience this has caused Ms. [redacted]. If you have any questions, please call me at 1-567-336-4410.Sincerely,Julie C[redacted]Julie C[redacted]Claims Manager

June 9, 2016Revdex.com2800 Euclid Ave., 4th FloorCleveland, OH  44115-2408Attn:  [redacted]Re: File Number: [redacted] File Name: [redacted] Policy Number: [redacted] Claim Number: [redacted] Policy Type: Commercial LinesNAIC Number: [redacted]Company...

Name: United Financial Casualty CompanyMs. [redacted]:I'm writing in reply to your letter dated June 7, 2016. I appreciate the opportunity to clarify the situation.On November 22, 2014, Mr. [redacted] reported that an unknown driver struck his vehicle. This incident occurred during the policy period effective April 23, 2014 to April 23, 2015. For this reason, we did not add the claim for that policy period. On March 20, 2015, we issued a Renewal Offer for the policy period effectiveApril 23, 2015 to April 23, 2016. The claim in question was still open at the time we issued the renewal for this period. We added this accident to Mr. [redacted]’s driving history as an open claim, for informational purposes only. This meant that we had not yet determined fault, and the accident did not have any impact on the rate at that time. We did not close the claim until July of 2015, after this policy period was already in effect. We would follow up to update Mr. [redacted]’s driving record at the next renewal.  When we issued the renewal for the policy period effective April 23, 2016, we updated the accident to an at-fault accident, because we had issued payments for the claim under Collision and Medical coverage over our threshold amount. Typically, when we make a payment under Collision and Medical coverage, it’s because we determined our driver at-fault. However, this was a hit and run situation that should have been listed as a not-at-fault accident.We have changed this incident from an at-fault accident on the present policy period, effective April 23, 2016, which resulted in a credit of $594.I’m sorry for the inconvenience this caused. If you have any questions, please call me at 1-440-910-1103.  Sincerely,Erika C[redacted]Erika C[redacted]Commercial Lines Representative

(The following was copy/paste by Revdex.com staff - LST)[redacted]August 14, 2017Revdex.com2800 Euclid Avenue, 4th FloorCleveland, Ohio 44115Attn[redacted]RE: File Number: [redacted] File Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name:...

Progressive Select Insurance CompanyMr. T[redacted]I’m writing in reply to your August 10, 2017 inquiry. Thank you for bringing the C[redacted]’s concerns regarding the policy cancellation to my attention. I can certainly understand why Mr. C[redacted] is upset. I’d like to apologize for the frustration our cancel notice caused. That’s certainly not what we intended. I’ve reviewed the policy and appreciate the chance to provide some information that will help answer Mr. C[redacted]’s questions.The C[redacted]’s drivers licensing information didn’t cause the policy cancellation. I see the initial payment of $658, processed on August 1, 2017, was returned by the bank unpaid. Whenever the initial payment is returned unpaid by the bank, the policy is null and void. For this reason, we’re not able to reinstate the policy.I’d also like to say I’m very sorry for the negative experience the C[redacted]’s encountered when going through the policy purchase process! It’s a shame that their first experience with us was a negative one. That’s not what I like to hear. I’ve passed along some feedback to make sure this situation doesn’t happen to any other customers going forward.If the C[redacted]’s haven’t already purchased another policy with another carrier, I’d invite them to give us a call at [redacted]. We’d be more than happy to start another policy for them. Since we already have the licensing documentation on this policy, the process should be much easier and less stressful.Please don’t hesitate to contact me at [redacted] with any questions.Sincerely,Eva D[redacted]Eva D[redacted]Consumer Relations Specialist

August 19, 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 Select Insurance CompanyMs. [redacted], I’m writing in reply to your letter dated August 17, 2016. We appreciate the opportunity to clarify the situation.On August 2, 2016, we sent a supervisor and a manager out to complete a re-inspection on Ms. [redacted]’s 2013 [redacted]-[redacted] at her shop of choice, [redacted]-[redacted] Services of [redacted] Park. A follow-up inspection was completed on August 4, 2016. During both inspections, we were not able to identify any additional evidence to support Ms. [redacted]’s claim of water ingestion to the engine.We have advised Mike at [redacted]-[redacted] Service to contact us if they find any new evidence that could support Ms. [redacted]’s claim and we will schedule an additional inspection.At this time, all evidence points to a mechanical failure from wear and tear, and lack of lubrication. We will not be covering these damages per our Policy language.Policy 9611 (07/13), Exclusion #8: damage to any vehicle that is due and confined to: a) wear and tear; and c) mechanical, electrical or electrical breakdown or failure are excluded.If you have any questions, please call me at 1-305-506-2558.Sincerely,William F[redacted] Jr.William F[redacted] Jr.Claims Manager