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Progressive Auto Insurance Complaint - Get a Lawyer! - Claim

Claim - Complaint
Review by vgodonnell on 2006-10-15
SACRAMENTO, CALIFORNIA -- In late February of 2006 I was rear ended by a driver who was covered by Progressive Insurance. The woman who hit me admitted that she was at fault and we each filed claim regarding the incident.
As a result of the accident I was injured and required therapy to treat these injuries.
At this time I have completed my therapy sessions and have amassed over $2,100 in medical bills as a result. Progressive Insurance is stating that they are only going to pay for the first 6-8 weeks of medical bills and are offering me a little over $1,300 because they claim that "soft tissue damage heals in 6-8 weeks". They do not care that a medical professional deemed it necessary for my treatments to continue beyond their arbitrary time frame.
In addition, the agent assigned to this claim literally adds insult to injury. Whenever I speak with her she is rude, condescending, talks over me, cuts me off and refuses to allow me to speak with her supervisor. Whenever I ask to speak with her supervisor she asks why and I let her know that what she is offering me is unsatisfactory and I want to discuss the claim with her supervisor. The agent tells me thats what she is there for. Its a maddening circle.
At this point in order for my medical bills to be paid in full I will have to consult an attorney to bring a lawsuit against the woman who hit me as well as Progressive Insurance, and as everyone knows bringing a lawyer to the table will drive up the settlement amount exponentially... it would be much more economical on behalf of Progressive Insurance to pay out the additional $800 than to have this become a lawsuit. But, the impression I get from my personal experience as well as from reading reviews on this site as well as others is that Progressive Insurance doesn't give a damn about people. All they care about is their bottom line. Understandably, they are in business to make money, but the idea that the victim of one of their insured should be left with $800 in medical bills is absolutely ludicrous.
On their website, Progressive Insurance boasts about their extensive art collection that is housed at all of their facilities in addition to their corporate office. I find it admirable that this company would support the arts, after all I am an artisan myself, but before they purchase their next piece they should take care of those who are injured at the hands of their insured.
If I am ever again hit by a driver who is insured through Progressive I will take the following actions:
1. call the police for an accident report
2. call for an ambulance to the emergency room regardless of how I feel at the time of the incident
3. GET A LAWYER to talk to Progressive Insurance on my behalf. I will NOT be bullied by another one of their representatives again.

This is my second complaint against this company regarding this claim, although it is my first "public" one. Previously I complained to my states Insurance Commisioners office. Their response was to speak with the claim adjustors manager. I received a letter from the manager and left her voicemails in response, but never received a single return call from the manager.

I will be following up this commentary with the following...
- Addressing this issue on the "contact us" page of Progressives website.
- Repeating this entry on every site such as this one that I can find.
- Blogging about it extensively on my personal blog
- Making another complaint to my state Insurance Commissioners office since the manager is being completely unresponsive.

If you are a customer of Progressive Insurance, or considering becoming one, you may want to think about investing in prepaid legal assitance because if you were to be found at fault in an accident and people were injured you could very likely be sued because Progressive will not pay out full medical costs of those who are injured.
Comments:
Posted by spiderman2 on 2006-10-15:
Good luck to you. It sounds like it was definately time to hire a lawyer. Remember, insurance companies are not your friend. They will try to get buy with paying as little as possible. It isn't just Progressive either, it is all of them.
Posted by Skye on 2006-10-15:
PLEASE hire an attorney. I am still in treatment 5 years later due to being rear ended also. You did nothing wrong. Good luck and I hope you are feeling better. I know how you are feeling. I have already settled, but still by policy clause, entitled to 5 more years of treatment, which I have in writing. I see a chronic pain doctor once a month, and have had surgeries, as well as every treatment out there.
Posted by Skye on 2006-10-15:
Wanted to add one more thing, somethings I had to pay out of my pocket, but send in my receipts and get reimbursed every time.
Posted by Skye on 2006-10-15:
One more thing, sorry, also, my lawyer got paid when I got paid. I did not have to pay him ANYTHING up front. Many good lawyers here in Colorado, who are not ambulance chasers. NO upfront retainers what so ever.
Posted by chinmusic on 2007-02-20:
Insurance companies only listen to lawyers!
Posted by noel777 on 2007-07-14:
You are absolutely correct about Progressive. I too was rear ended and suffered injuries. I went to physical therapy for 6 months and they refused to pay my bills, claiming that neck pain was only "soft tissue strain" that should have cleared quickly, and that because I didn't complain of back pain when I went to the emergency room, that it was caused by something else. I was initially offered #3,200, and got a lawyer. We filed a claim in court and went through all the motions. When Progressive got the message that I was willing to go all the way with my case, they went ahead and settled ,my case for $15,000, but it took two years after the accident. My advice is that if you have the patience, file a case in court, and go through the motions, and don't be afraid to go to court. It's unlikely that you'll lose, and chances are they're settle
Posted by Tinee on 2007-07-20:

Be careful on the lawyer. My kids were on a school bus when a progressive insured car t-boned them sending my oldest to the ER by ambulance. She suffered bruised ribs and neck sprains. They called to settle the next day. ER charges plus $1000. I knew my kid was still and would likely need further treatment. We declined, progressive wouldn't pay any medical and the bills kept coming and eventually went to collections. We were up to nearly 10,600 in bills. They said if we would settle for 10,000 then they would pay off the medical centers and the other 600 we could suubmit to my insurance. I got an attorney to avoid the negative credit and collections that were bombarding me. Two plus years later we went to court because Progressive wouldn't even agree to pay the extra 600.
They brought in a high dollar attorney and made the sale to the jury that my kid made up all injuries except the ambulance trip and the ER fees. The jury found in my favor for 4500, now if am stuck having to pay nearly 7000 out of my pocket for the remaining medical. My work insurance won't cover it because it happened over two years ago. Progressive is a fraud and don't give a damn about anything but there bottom line.
Posted by Lidman on 2007-10-02:
Because so many millions of Americans finally realize that something is seriously wrong with the way the government is handling our affairs, people are continually asking: "Do you think there is still time to turn it around?"

When you ask, "Still time before what?" they usually reply: "Before total disaster overtakes us!"

For those who wonder about such things the answer is this: "Yes, there is still time, but not much."

The next question is: "What can we do to get America turned around and regain our national sanity?"

The answer is: "Elect a President and a majority in Congress who still believe in the Constitution and will fight to return America to her original moorings."

Think, Learn and acted!
Posted by Lidman on 2007-10-02:
"Progressive is a fraud and don't give a damn about anything but there bottom line" People they are all like that, WAKE UP!!!

Here in NC Blue Cross was aloud to write their own legislation, which is now the law in NC who do you think it protects?

Wake up before it’s to late and learn the Constitution then maybe we the people can take back our country? Or go for the "issue" and not the big picture and we can become slaves to a dictator, your choice.
Posted by dianec on 2007-10-02:
vgodonnell--So sorry to hear about your terrible experience with Progressive. Skye and others have some good info. FYI--years ago I had a neck injury from a drunk rear-ending my car at a red light. The police knew this prominent business man and didn't even issue him a ticket. I was only 20 at the time but my grandfather advised me to go to his attorney so all my bills would be paid. They were and I ended up with a small amount for my trouble. It would have never paid for the future treatments I would need for my neck pain through the years though. The only thing that has helped me (immensely) over the years is chiropractic (activator.com) and acupuncture. These treatments have helped eliminate my pain--for long periods of time and have been a true life saver. Hope you feel better soon. Let us know if you are ever able to get them to pay the rest of the bills. For the most part, I truly believe the insurance companies are just scam artists.
Posted by Progressive is Bad on 2012-04-26:
Yep I was involved in an accident with a Progressive insured driver. They started hounding me to sign HIPA releases a few days after the accident. I got an attorney, not because I want thousands of dollars from these people, but because I don't want to get completely screwed. They need to be put out of business.
Posted by Dustin on 2013-03-11:
Progressive is HORRIBLE!!! My dad's truck was stolen a few months ago and from the start HE was the criminal. They ultimately denied his claim and he has to continue to make the payments AND to add insult to injury he has to keep full coverage. He still owes thousands of dollars on the truck. He lost items in the truck that were more valuable than the truck itself, he had no motive to have his own truck stolen. On top of that he had owned it for less than a year..
Posted by BEARKILLER3 on 2013-04-22:
It seems to me that anybody who got rear ended it was by a progressive ins co. I also got rear ended by a progressive customer, i swear they send you too a 8 hr class to tell you what to do next, is to go out and rear end someone, they must get a discount or something, the sad thing is progressive screws up a lot of peoples life for no reason, ive been driving for more than 25 yrs and never smashed into someone, the loop hole is that these ins co. can total your car out no matter what the damages are and pay you the blue book price, and it doesnt matter how much work you put into your car, take or leave it, or the state has rcw laws that protect ins co from getting the shaft, and can shut the case on the whole thing, and screw your life up forever, and not assume any responsibility for nothing, thats whats wrong, I just hope one of theses days ins. co finally get rear ended and screw there life up and see how they like it.

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