Progressive Corporation

(The following was copy/paste by Revdex.com staff - LST)***November 21, 2017Revdex.com, IncEuclid 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 CompanyHello MrT [redacted] Thank you for your letter dated November 15, I hope the following information helps MrS [redacted] to understanding our decision.I’m very sorry that Claims Representative Cynethia [redacted] failed to provide MrS [redacted] with the excellent level of service that we want to provide all customersThere’s no excuse for not returning phone calls or lack of follow up on a claimThis is unacceptable and not the level of service that any customer should receiveI’ve provided feedback about MrS***’s experience to her supervisor for coaching purposesWe’ve completed a thorough liability investigation into the loss between Jonathan W [redacted] (the driver of our customer’s vehicle) and MrS***Our investigation included detailed recorded statements from MrW [redacted] and MrS***, an analysis of the scene and a review of the points of impact to both vehicles.On October 11, 2017, we obtained a statement from MrW [redacted] regarding this lossHe stated that he was traveling westbound on Parker Road in the left laneThe left lane splits into two lanes, both requiring a left turn at the intersectionMrW [redacted] continued straight, turned on his right turn signal to indicate he was going to continue forw [redacted] and stay in the right of the two left turn lanesMrW [redacted] continued forw [redacted] into the right lane of the two left hand lanesNo lane change needed to be made because MrW [redacted] had control of the laneSuddenly, MrS [redacted] changed lanes in front of MrW [redacted] in an attempt to enter the turning laneMrS [redacted] indicated that the loss occurred further along West Parker Road where the lane MrS [redacted] had control of already split into two lanesMrS [redacted] states he was in that right lane of the two left turn lanes when MrW [redacted] changed lanes and struck MrS***.Both drivers stated they had control of the lane and the other changed lanes into their vehiclesThere’s no police report or witnessesThe points of impact support MrWard’s statement that the middle to rear left side of MrS***’s Fstruck the front right of MrMoya’s (our customer) Chevrolet MalibuThis would support MrS [redacted] not seeing the Malibu due to being in a larger vehicle and the Malibu being slightly behind MrS***On November 2, 2017, MsJ [redacted] called MrS [redacted] and left a voicemail on his cell phone and sent him an email advising him of our liability decision.I know this isn’t the answer that MrS [redacted] wanted and I’m sorry I don’t have better newsIf you have any questions, please call me at [redacted] Sincerely, [redacted] *** [redacted] ***Claims Manager

(The following was copy/paste by Revdex.com staff - LST)***January 30, 2018Revdex.com [redacted] ***Cleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] *** Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Classic Insurance Company MrT [redacted] I received your January 6, letterThank you for your patience while I looked into MsH***’s concerns related to her request to reduce the coverages for her vehicleI’ve reviewed the policy history and calls made to us during that time, and I’d like to explain what took placeOn October 29, 2015, MsH [redacted] called to ask about her options for coverage while she had her Ford Mustang in storageAt that time, we offered Comprehensive only coverage and the addition of Roadside coverage, which MsH [redacted] acceptedThe resulting credit would have paid the policy in fullMsH [redacted] also signed up for Paperless documents during this call, which allowed her to receive notifications about the activity on her policy by email and to access the documents issued for her policy onlineAlthough she mentioned having moved out of state at the beginning of the conversation, we didn’t secure her new address or make any changes to the address at that pointLater that same day, MsH***’s agent, Donna, from *** Insurance Services, called with concerns about the coverage change MsH [redacted] had made to the policyIn review of the guidelines, we confirmed that for the State of Oregon, Comprehensive only coverage would only be acceptable for MsH***’s policy if she were a military risk, which Donna confirmed didn’t applyWe let Donna know that we could allow Physical Damage Only, which would require Collision in addition to the Comprehensive coverage, and she asked that we make this changeWe issued a Declarations Page, confirming the change, along with a letter and a state mandated form for MsH [redacted] to sign and return, acknowledging her selection of Physical Damage only coverageBased on the Paperless option chosen by MsH***, we notified her by email at [redacted] of the documents available for her review onlineOn November 24, 2015, because we hadn’t received the signed Physical Damage Form from MsH***, we changed the coverages back to what she had originally, prior to any of the changes made on October 29, We issued a Declarations Page, confirming the change, along with a letter explaining the reason for the change and another Physical Damage Form for her signature, should she still want to reduce her coverageWe also sent MsH [redacted] an updated Payment Schedule, showing the next scheduled withdrawal of $for December 26, Using her chosen method of communication, we notified her by email of the documents available for her review onlineOn December 25, 2015, MsH [redacted] called to get additional information about the payment scheduled for withdrawal the following dayWe went over the changes made, informed her of the notifications sent by email and explained the amount dueMsH [redacted] then chose to reduce her coverage to include liability and Comprehensive onlyWe let her know that this would decrease her payment withdrawal scheduled for the 26th to $At this point, we also updated the policy address to reflect her new address in Dothan, AlabamaOn January 25, 2016, MsH [redacted] discontinued the automatic payments for her policyOn February 1, 2016, we hadn’t received MsH***’s payment due for January and sent her a Cancellation Notice for February 12, 2016, via U.SMail, to her updated Alabama address.On February 12, 2016, at 12:a.m., we canceled MsH***’s policy for nonpaymentIn my review of the policy, I do see where we had some opportunities when it came to providing MsH [redacted] with accurate information about the coverage options based on her p***icular situation and the state requirementsHowever, we did provide proper notification based on her choice for Paperless documents, and we do require payment on the policy to continue coverageI’ve enclosed policy documents for your review While I wish I would’ve had the opportunity to help MsH [redacted] more when this first happened, because of the amount of time that has passed, I can’t offer to eliminate any gaps in her coverage, as she’s requestedI hope she can understand thisI appreciate her bringing her concerns to our attention, and I’m very sorry for the frustration caused by this experiencePlease call me at [redacted] if you have any questionsSincerely, Anna O***Anna O***Consumer Relations Specialist

August 7, RevDex.com Euclid Avenue - 4th floor Cleveland, OH Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Northwestern Insurance Company [redacted] , I'm writing in reply to your email dated August 4, Ms Shirley canceled her policy effective July 20, 2015, therefore; on July 23, 2015, we issued her a $refund to her Electronic Funds Transfer (EFT) account number that is currently listed on her policyEven though [redacted] ’s last method of payment was a credit card, policies on the EFT method of payment are programmed to issue refunds to the EFT bank account on file If [redacted] ’s EFT account is closed, she must contact the financial institution to obtain the refund directly from them I’m sorry for the misinformation we provided to [redacted] regarding the refund methodIf you have any questions, please contact me at [redacted] Sincerely, Lisa F [redacted] Lisa F [redacted] Consumer Relations Specialist

July 29, 2015Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: 10691817Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Direct Insurance Company [redacted] ,I’m responding to your letter dated July 22, 2015.I’m sorry for any confusion, but having an excluded driver on the policy and a customer’s marital status are separate issues and rating factorsWe look at the overall combination of many factors on the policy, and in this case, the combination of changing [redacted] ’s marital status and removing his excluded ex-wife, lowered the rate on the policy.It is correct that [redacted] received the benefit of a lowered rate by virtue of his marital status, because a single driver is rated different that a married driver A customer is required to list all household members on their policyThey can chose to list them as a rated driver or exclude them from coverageAn excluded driver on [redacted] ’s policy did affect the rateBased on our past loss experience, policies with excluded drivers tend to have an increased chance of loss over other policies, and therefore, we rate them differentlyIt is the customer’s responsibility to promptly notify us of any changesBecause we didn’t make an error, we aren’t backdating the removal of [redacted] any further back than we’ve already done.If you have any questions, please call me at 1-440- [redacted] .Sincerely,Dona R [redacted] Dona R [redacted] Consumer Relations Specialist

Revdex.com Euclid Avenue - 4th floor Cleveland, OH 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 County Mutual Insurance Company Ms [redacted] , I'm writing in reply to your letter dated October 12, We value Mr [redacted] as a customer and we appreciate his service to our countryMr***’s [redacted] was in a loss on May 8, It went to [redacted] Paint and Body in [redacted] , Georgia for repairsIt appears from our conversations with Mr [redacted] and his complaint that he feels the repairs were “immaculate”, but there’s a drivability concern based on vibration and/or noise heard when driving [redacted] Paint and Body related the concerns partially to a tire balancing issue related to the old wheels and tires Mr [redacted] put back on the vehicleThe shop balanced those for him and the vibration has been resolvedThe remaining issue is that Mr [redacted] feels the vehicle isn’t safe to drive based on a noise he’s hearingIn an effort to resolve his concerns, [redacted] sent his vehicle to two independent dealerships and an independent mechanic for a diagnosisNone of these three shops was able to identify the “noise” as damages related to the lossAs of October 13, 2016, we offered to tow Mr***’s car to another shop of his choice for an additional diagnosticIf the shop’s diagnostic findings reveal any potential related damages, we’ll complete a supplemental investigation to address the findings and make a determination if it’s part of the covered lossI'm sorry for any inconvenience Mr [redacted] experienced with his claimIf you have any questions, please call me at 1-678-621-Sincerely, Robert LW [redacted] Robert LW [redacted] Managed Repair Claims Manager

I do not accept the response made by Progressive Corpto resolve this complaint (Complaint ID: [redacted] ).Notice that Progressive’s response raises no question of fact.Progressive doesn’t deny playing games in the manner described in the complaint, it doesn’t deny that my property damage claim was/is supported by proper written estimates, it doesn’t deny that its own belated estimate was inaccurate and incomplete, and it freely admits that it used that inaccurate and incomplete estimate to low-ball me!Clutching at straws, Progressive now proposes to resolve this complaint by letting it re-verify the extent of the damage already established by my proper written estimates This is an old trick long prohibited by New York law, a fact which Progressive conveniently forgets to mention See, NYCRR §216.10(e)(1) incorporating NYCRR §§216.7(b)(1), 216.7(b)(8) (collectively, prohibiting insurers from raising “disputes as to the existence of damage or the chosen manner or repair” where the insurer fails to properly inspect the damages “prior to repair” and “within six business days” of its receipt of the notice of claim).Here, despite my car being available for inspection during business hours for the entire six-business-day period, Progressive admits that it failed to perform a timely inspection, and that the untimely inspection it clings to was neither accurate nor complete.Progressive says it’s sorry for the frustration it caused me It should be, but that doesn’t excuse the fact that it caused me that frustration by willfully disobeying New York’s laws conveniently all to its favor and all to my detriment I refuse to accept that apology Regards, [redacted]

January 22, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Aisha [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMs [redacted] ,I’m writing in reply to your letter dated January 14, I appreciate the opportunity to clarify the situationIn review of our records, we’ve identified that the calls Mr [redacted] has been receiving are related to his prior policy ( [redacted] )This policy canceled for nonpayment on December 20, 2015, with a remaining balance of $We placed these calls to Mr [redacted] to alert him to the outstanding balanceWhen placing outbound alert calls, we’ll attempt to reach a live person three timesOn the third attempt, we leave a messageThe message advises the customer to use the provided PIN to retrieve the message about the policyWe do not show that Mr [redacted] called to retrieve this messageBecause he called our Relationship Center in reference to his active policy, our consultants were unable to determine the reason for the callsWhen Mr [redacted] initially called us with his concerns, we did honor his request to opt out of notification/reminder calls on his active policyAfter determining the source of the subsequent calls he received, we’ve taken the necessary steps to prevent these calls going forward as wellAt this time, Mr [redacted] still owes a balance of $for the coverage we provided under his prior policy until December 20, I’ve enclosed the Final Bill for reference I’m sorry for any frustration this has caused Mr [redacted] If you have questions, please call me at 1-440-910-Sincerely, Anna O***Anna O***Consumer Relations Specialist

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12148408, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.MrT [redacted] Anna Ortiz would not have received a notification about my new policy with [redacted] 's, because I do not have a [redacted] 's insurance policyThe last contact I made with you I attached a declaration of coverage from [redacted] I will attach it againPlease note the date that the policy begins and then note the dates that Progressive references Regards, Christian ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12162893, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regardless of how you view this ticket, you are wrong about its meaningI will not be contacting Arizona about thisIn order to avoid your making further errors, I suggest you contact them yourselves to gain a better understanding of the meaning of the ticket Regards, Andrew [redacted]

June 9, 2015Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] *** Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Code: [redacted] Company Name: Progressive Preferred Insurance Company [redacted] ,I’m writing in reply to your letter dated June 3, I appreciate the opportunity to clarify the situation [redacted] reported a claim to us for an accident to his [redacted] on March 21, [redacted] elected to have his vehicle repaired at one of our network repair facilities, [redacted] The repairs to [redacted] ***’ vehicle were completed on April 3, On April 3, 2015, after picking up his vehicle, [redacted] contacted us regarding issues with the vehicleThe issues were a mismatch in the paint on the hood, and a vibration while drivingWe put [redacted] back into a rental vehicle while we investigatedWe determined that there was a poor prior paint job to the right fender causing a color mismatch to the hoodWe agreed to pay to blend the hoodWe also inspected the engine for the vibration [redacted] felt while drivingBoth the shop technician and our Claims Supervisor Mike C [redacted] were unable to duplicate the vibration during subsequent test drivesOnce the blend was completed to the hood, the vehicle was returned to [redacted] ***.On April 10, 2015, [redacted] stopped by [redacted] to discuss an issue she was having while driving the [redacted] our Claims Supervisor Mike C [redacted] was there at the time, and took a test drive with the customerThey were unable to duplicate the issueMrC [redacted] informed [redacted] to let us know if the issue arises again [redacted] thanked MrC [redacted] for his time and drove away with the vehicle.On June 1, 2015, [redacted] and [redacted] called us to advise there was additional damage to his vehicle from this loss, such as a broken oil dip stick, dented oil pan, and a sunroof that flew offI contacted [redacted] and [redacted] and worked with them to set up an inspection at a shop of their choice to review the additional damagesOn June 3, 2015, we sent Our Claims Representative Glen S [redacted] to re-inspect the [redacted] at [redacted] ***yUpon the re-inspection, we determined that the damage to the oil pan and oil dip stick were not related to the accident on March 21, We found evidence that there was a subsequent accident to [redacted] ***’ vehicleThis evidence included new damage to the underside of the vehicleThe damage from the subsequent accident was to parts that were recently replaced from the March 21, accidentAs for the sunroof, delamination occurred with the aftermarket sunroof, causing the glass to come loose from the frame and eventually fly off the vehicleThis issue is not a direct result of the accident on March 21, 2015, but more in line with wear and tear.We advised [redacted] of our findingWe told him he can report another loss for the new damage to the oil pan and oil dip stickA new claim would be subject to another deductible as outlined in his policy contract.I’m sorry for any frustration this may have causedIf you have any questions, please call me at 1- [redacted] Sincerely, Jeremy W***Jeremy W*** Claims Supervisor

Consumer Relations Department Wilson Mills Road, N71C Mayfield Village, OH Fax: [email protected] December 5, Revdex.com, IncEuclid Avenue 4th Floor Cleveland, OH 44115-Attn: *** [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Premier Insurance Company of Illinois Ms [redacted] , I’m writing in reply to your email on November 30, Frustratingly, Mr [redacted] s version of events is fairly accurateWhile we strive to make the experience for our customers efficient and hassle free, some miscommunication up front sent Mr [redacted] s claim down the wrong pathWe reached out to Mr [redacted] and spoke with him on multiple occasions between November 29, 2016, and December 1, We agreed with him that our service fell short of not only his expectations, but ours as wellWe apologized for any inconvenience or frustrations we causedWe considered his request to waive his deductible and felt it warranted due to the circumstancesWe communicated this to Mr [redacted] on December 1, If you have any questions, please call me at 1-440-910-Sincerely, Sam D [redacted] Sam D [redacted] Centralized Claims Manager

Attached please find our response and supporting documentation

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 letter submitted by the company was more of a message from them because my voicemail is full I do not wish to close the complaint until the issue is actually resolved I will call the number left in the message and speak to the claims manager today If resolved I will follow up with Revdex.comI am also in contact with Kelly who said she was successful in contacting the bank and will send them a check I was hoping to have the entire loan paid off Will speak with the claims manager to see what they can doI am very happy with the response received so far and hope to have this fully resolved shortly Thank you Regards, [redacted] ***

April 18, 2016Revdex.com, IncEuclid 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: Mountain Laurel Assurance Company Ms [redacted] ,I’m writing in reply to your letter dated April 11, I appreciate the opportunity to clarify the situation.On March 15, 2016, we received report of the claim from Ms [redacted] that she struck a [redacted] driven by [redacted] , while driving her [redacted] She stated that she was traveling on Highway at approximately mph, when another vehicle (1), travelling in front of her, swerved to avoid striking Mr [redacted] ’ vehicleMs [redacted] could not stop in time and struck the [redacted] We are still trying to verify the facts of loss and make contact with the Mr [redacted] .Per the police report Ms [redacted] provided, both parties were noted as contributing for “following too closely” and there isn't any applicable insurance carrier for the [redacted] We have advised Ms [redacted] on several occasions that the coverage she chose to insure her [redacted] with is Bodily Injury, Property Damage and Uninsured Motorist Bodily Injury coveragesMs [redacted] doesn't have Collision coverage on her policy that would be applicable in this loss for damages to her vehicleShe doesn't dispute that she did not have this coverage for this loss, therefore, because this coverage isn't available on her policy, we are not reimbursing Ms [redacted] for the damages as a result of this lossI'm sorry for the inconvenience Ms [redacted] has experiencedIf you have any questions, please call me at 1-440-910-3177.Sincerely,Jennifer B***Jennifer B***Claims Manager

January 11, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: MotorcycleNAIC Number: [redacted] Company Name: Progressive Premier Insurance Company [redacted] ,I'm writing in reply to your letter dated January 7, 2016.After my telephone conversation with [redacted] on December 14, 2015, Irequested any additional information he had because he advised that he possessedadditional documentation that might alter our liability decision.We received the documentation via US Mail on December 21, 2015.I reviewed the additional information provided and determined that there’s nothingto support a change in our liability decisionI mailed a letter to [redacted] onDecember 24, 2015, advising that we reviewed his additional information and we’reunable to alter our liability decision at this point (copy enclosed).We remain willing to review any information that [redacted] provides to help us with our investigation, but we can’t alter our liability decision unless warranted.If you have any questions, please call me at 1- [redacted] .Sincerely,Sam [redacted] H***Sam [redacted] H***Claims Supervisor

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 was unable to control the shop's policiesIt is a registered [redacted] repair shop and I have received subpar service from progressive choice shops beforeWhy am I responsible for the shops bad business practices? Progressive has lawyers on staff and could dispute the charges, but chose not toThe shop in question has even been sent vehicles by Progressive in the pastI was penalized for trying to get the best service for my ** Regards, [redacted] ***

January 19, 2016Revdex.com, IncEuclid 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, I appreciate the opportunity to clarify the situation.On September 28, 2015, Mr [redacted] reported that his Ford Fwas stolen from a shop where he had left it for repairs and it had been burntAs 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 vehicleThe investigation supports that Mr [redacted] misrepresented the facts of loss regarding this incidentOur 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] reportedThe vehicle had been towed into the shop on September 14, It had not been left there just over the weekend, but had been there for a couple of weeksThe 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 misrepresentedPART 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 hours or as soon as practicable.A person seeking coverage must:cooperate with us in any matter concerning a claim or lawsuit;provide any written proof of loss we may reasonably require;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;promptly call to notify us about any claim or lawsuit and send us any and all legal papers relating to the claim or suit;attend hearings and trials as we require;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;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;submit to medical examinations at our expense by doctors we select as often as we may reasonably require; andauthorize 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:made incorrect statements or representations to us with regard to any material fact or circumstance;or fraudulently concealed or misrepresented any material fact or circumstance;at the time of application or to obtain a renewal of this policyHowever, 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 claimHowever, this will not apply to: 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: acooperates in any investigation relating to the accident or loss; and bdid not cooperate in, direct, or contribute or consent to the concealment, misrepresentation or fraudulent conduct; and 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 oathHowever, we did not request an examination under oath in this caseGiven the material misrepresentation that Mr [redacted] presented during our investigation, we denied his claimI'm sorry for the inconvenience causedIf you have any questions, please call me at 1-623-687- Sincerely,Jessica H [redacted] Jessica H [redacted] Fire and Theft Supervisor

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 I have considered the offer by Progressive Insurance, and I DO NOT accept the offer to pay 80% of the damages to my vehicleThe City of [redacted] police report and the [redacted] County police report both state that their policy holder is COMPLETELY AT FAULT! He was also issued a ticket for Unsafe Lane Change!!! I will accept nothing less than 120% liability on the part of Progressive Insurance! I am requesting 20% for lost wages, time and gas traveling unnecessarily to obtain bodily damages assessment at Progressive locationIt was a complete waist of time, gas and time off from work! Regards, [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 ---------- Forwarded message ----------From: [redacted] Date: Tue, Jun 7, at 6:PMSubject: Complaint [redacted] To: "[email protected]" Hello, I would like to close this complaint as I received a phone call from progressive stating that this matter is being addressedThanks [redacted] ***Program CoordinatorJFM Inspirations LLCPhone: (480) 343-0086Fax: (602)374-

(The following was copy/paste by Revdex.com staff - ***)***July 12, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 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, Thank you for forwarding [redacted] ’s concernsI appreciate the chance to provide the following information.I know that [redacted] feels it’s unreasonable for us to request additional information from herHowever, 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 rateAlthough [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 informationIf 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 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