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Author Topic: Progressive insurance claim question  (Read 4142 times)
Paladin
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« on: August 07, 2010, 03:35:36 PM »

For anyone who has gone with Progressive Insurance, have you ever had to file a claim for repairs? If so, how did it go?
The reason I ask is because my other half writes insurance and has her doubts as to whether they would actually honor a claim and especially if it were a large one and\or with serious injuries. She says there is quite a bit of wiggle room for them to deny if they are so inclined. She was told that are not supposed to write non professionally built coach conversions because the company doesn't like them for many reasons, they can be a Pandora's box in an accident scenario including such things as standards of workmanship and maintenance history. Yes, many get insurance written by not being totally truthful of the type of "rv" being written but that can end up meaning that upon a claim find yourself out in the cold because they were not told what they were really writing a policy for which nullifies the policy.
I know that some agents will write anyway because they want to add the policy in their book especially if it's they can write your home owners, cars etc. Other agents plain decline to write because it's such a gray area.
Some offices, especially in the central/eastern areas apparently are told that it's alright though we can't verify who is telling them this and to be honest we've never been able to get a solid committed answer from the company which also makes us leery, all she has heard is no, do not write them. We're told that some independent offices will write the policy even though the company does not want them and they know it, they apparently gamble on no claims with that policy. This also can apply to other insurance companies too so I guess by extension my question applies to all carriers. I worry a little that some of us may be actually running without coverage and never know it.   

So anyway, has anyone ever filed an accident claim with them and how did it go? We're trying to get a solid answer on the issue because I may go with them since my boat is with them and she can write the policy.

What type of policy have you gotten? Replacement? Agreed?
Any other insurance people out there who can shed some light?
« Last Edit: August 07, 2010, 03:37:15 PM by Paladin » Logged

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« Reply #1 on: August 07, 2010, 03:59:07 PM »

I dropped Progressive because of the wiggle room as your wife described they even had one for the agreed value it was called current and fair market value according to the adjuster at the time of claim.
BTW I been on the other side of the mountain from you in Fairview UT for a few days moved on now too much cold rain and lighting

good luck
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« Reply #2 on: August 07, 2010, 04:07:38 PM »

The reason I ask is because my other half writes insurance and has her doubts as to whether they would actually honor a claim and especially if it were a large one and\or with serious injuries. She says there is quite a bit of wiggle room for them to deny if they are so inclined. She was told that are not supposed to write non professionally built coach conversions because the company doesn't like them for many reasons, they can be a Pandora's box in an accident scenario including such things as standards of workmanship and maintenance history.

I know you're looking for people that have had claims with them, but I think you have a pretty solid professional answer right there already.  Someone you already trust far more than anybody on the Internet has valid concerns that are based on her professional knowledge of the insurance industry. 

Beyond that, I will add that 3 years ago I was insurance shopping and was told by Progressive (hq?, the phone # published on their website) that they only write policies on professionally done conversions.  And I too have heard of various "methods" people use to get the policy anyway.  But you already know the important point - wiggle room.

Every insurance policy has one thing in common.  In the fine print they all say something to the effect that any false or misleading information can lead to policy revocation or denial of a claim.  You could pay every premium on time for years and then have an accident resulting in a large claim.  An adjuster will look it over carefully and if they see anything that makes them doubt it was a professional conversion, they will investigate further.  If it wasn't converted by an actual business that converts/converted buses as a profession, they will report their findings to the insurance company who will then deny the claim and cancel the policy on the grounds that it was made based on false information.
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« Reply #3 on: August 07, 2010, 04:30:39 PM »

I had an auto claim with them.  I was hit in the rear.  Let's just say that if I thought I could have gotten away with it...they would have been dead bodies laying around!  Legally they were within bounds...morally they suck!
Jack
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« Reply #4 on: August 07, 2010, 05:00:37 PM »

As an insurance broker I have had Progressive (with over 30 other carriers I write for) in my agency. I have found them to be very good on claims.  I have been involved with thousands of claims over the years and I can tell you first hand- "they pay well"....  Their commission structure to agents is on the very low side.  So, I am not saying this just because I am affraid to bite the hand that feeds me.

I can tell you that most times if you get hit by another party you can be certain their insurance carrier is "not" going to be on your side.  They are going to be on the side of their clients.  Just a fact. Do not expect the get any red carpet treatment.

I did have my Prevost with them for two years but found a better rate with National Explorer.  Im
certain that both companies pay what they have to pay on claims.

Now, Progressive does not like "home-made" bus conversions nor "home-made" cycles built with
SOS titles.  It is very simple, the longer it takes to settle a claim the more it cost the insurance company. Most parts can be secured a lot faster from a bus company (in general) than have to have a part replaced that was hand made by the owner. If a vehicle is not manufactured by - Marathon, Liberty, Beaver- ect...- they don't want that business period.  Now if an agent tries to distort the truth to get a policy- all will get burned in the end.   Be honest, pay your premium, read your policy and you will be fine.

I could list a bunch of brand name companies that the general public thinks are good companies.
I know better though.  I can list many companies the general public has never heard of who
are tops when it comes to taking care of claims.  Not going to point fingers or name any names.
I do know Progressive does pay and they take full responsibility to close a claim with both parties
being on the same page.  This is 48 years experience in the insurance industry speaking.  Just some
wise FYI....  Anytime your in an accident or have a claim you will never come out ahead or for that fact you will not even break even.  Deductibles, time wasted and so on.  

Tully Lee
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John316
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« Reply #5 on: August 07, 2010, 05:38:42 PM »

Excellent topic. Thanks for bringing it up.

Right now we are insured with Snake farm. They have come out and have taken pics of the bus. They know what it is, and that we have done it. We are paying 900 for it.

However, which company should we use? Progressive is more expensive.

Clifford, who did you use, after you quit progressive?

Tully, who do you recommend?

Does anybody else have any recommendations?

Thanks.

God bless,

John
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« Reply #6 on: August 07, 2010, 05:47:49 PM »

LOL, never heard the term Snake Farm... funny stuff.

I switched to National Explorer RV... Heard good things about them from many people.
The proof however is in the pudding.  You really do not know until you file and claim.
So far I am impressed with the customer service and also the very affordable premium.
My 2 cents.

Tully Lee
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John316
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« Reply #7 on: August 07, 2010, 05:49:46 PM »

Do they insure non-professionally converted bus concerns (I mean, conversions)?

Thanks.

God bless,

John
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Bill in KS
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« Reply #8 on: August 07, 2010, 06:47:10 PM »

My Experience is not bus related, however with Progressive. A very good friend whom owns a body shop has turned them into the state insurance commission at least twice for thier business practises ( it was not a surprise to the state office and he was look'n forward to bust'm again).  They are corner cut'n, underhanded, put non OEM crap on your car, cut the estimate down after you've started the job, want half butt quality work done type of outfit.  I hope I was clear.   I know multiple times my friend whom does stuff to OEM standards has had to call a customer and explain that thier insurance is pull'n this crap and that if they want thier late model car fixed with OEM parts and car properly prep'd for paint ( pull trim, pull door handles & etc) that they will have to pay out of pocket the difference between what Progressive will pay and what OEM parts cost.  I would NEVER have them.   

Bill
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« Reply #9 on: August 07, 2010, 07:22:40 PM »

Just a friendly reminder, let's not take this thread down into bashing.

http://www.busconversions.com/bbs/index.php?topic=26.msg95#msg95
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« Reply #10 on: August 07, 2010, 07:28:31 PM »

My experience was real, I was not bashing them, I was telling it like it was!
They were trying to leave me with a car worth $10,000.00 before their insured hit me with one worth $5,000.00 after it was repaired.  It was within $500.00 of being totaled, they would not total it.
Like my old boss said about another insurance company, "It is easier to get rid of a venerial disease than a claim with____!  I feel that way about Progressive!
Jack
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Paladin
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« Reply #11 on: August 07, 2010, 07:33:35 PM »

I don't think that speaking factually of an insurance carrier you have history with is bashing, it's not a person or even a member. Relating a true story which may inform others to possible troubles with coverage is a good thing in my book!

I'm going to have to look into National Explorer.

Let's do this, if you have had a positive experience with a BUS related policy with your insurance carrier let us know. It sounds like there are more than a few who are curious. Maybe we could get Tully to give us a little write up on the in's, out's and caveats or maybe that has been done already? I'd like to read one because we here in my house are not that well versed in rv insurance, some even want to call it a specialty insurance for what we have. These beasts are not cheap and most of us have quite a bit tied up in them. It would be a sad thing to get burned because you were misinformed or mislead.  
« Last Edit: August 07, 2010, 07:35:33 PM by Paladin » Logged

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« Reply #12 on: August 07, 2010, 08:10:33 PM »

I'm sorry if I stepped out of bounds with my comments.  You are welcome to move my comment to the "Off topic" area or delete it.   I had no intentions of breaking the rules. 

If I was going to use them for conversion coverage I'd recommend finding a shop or two that has dealt with thier adjusters and what kind of corners/costs were cut. 

Bill in KS

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« Reply #13 on: August 08, 2010, 07:13:25 AM »

The trend that I have seen over the last ten years or so in the insurance industry is this:

1) There used to be company loyalty.  The company BRAND meant a lot.  These companies
    wanted a polished name that stood for something.  Something strong and good.

    Today:  No longer that much of an issue.  The public does not put much faith in
                company names anymore.  Most consumers are "price" conscience only.
                Loyalty is no longer part of the equation.  Saving money is.

2) Companies in the past would pay claims or do whatever was needed to make certain
     a claim gets paid.

    Today:  Companies look for ways not to pay a claim or for the loop holes.
                Companies are "tight" on the claims process.  This means pay only
                what they have to pay and nothing more.

Tully Lee
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« Reply #14 on: August 08, 2010, 07:25:17 AM »

Failed to mention one other thing on the claims process:

Let's say a claim is presented on a 2005 Chevy Suburban with 82,000 miles on the clock.
Companies will use a percentage of the actual loss to decide if they are going to repair
or total the car.  Most are in the 70-80% range.  If the vehicles market value is $10,000
and repairs are $8500.00 that would be 85% ratio to repair and vehicle would be declared
a total.  Anything above the 70/80-% range simply puts too much liability on the company
if a future loss takes place.  The client could say the second accident took place because of
vehicle failure (which was due to prior accident/repairs) and that is something the carrier does not want to contend with.

That 1995 Suburban gets into an accident.  Remember it has 82,000 miles on the odometer?
It seems that during the claims process everyone wants a "brand new oem" fender, bumper and such.  Well that bumper or fender on the 1995 Suburban was not new at the time of loss.
It had five years of usage.  That vehicle had 82,000 miles on it.  If the engine locked up during the accident would one expect a brand new zero miles engine to be installed?  We all need to "read" our policies and understand just what we have "before and accident... These are the things we need to be made aware of.

Tully Lee
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« Reply #15 on: August 08, 2010, 09:15:41 AM »

Not to throw a rock at a glass wall here but I've had NO problems with progressive on the bus...i called the #800 number they made me send a copy of the title a few pictures of the bus and an affidavit of what I've done so far..we agreed on a value they set the premium! They have a Great Fulltimers package and they cover our car... just my 2 cents worth!
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« Reply #16 on: August 08, 2010, 09:23:39 AM »

You are doing good Tully these guys need the info you are providing here it is all black and white with insurance co's and their little got you sucker clause hidden some where in the policy

good luck
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« Reply #17 on: August 08, 2010, 02:15:16 PM »

We have had some claims with Progressive on our automobiles. Never had an issue with them paying off promptly and quickly.
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« Reply #18 on: August 08, 2010, 04:51:54 PM »

Tully,  I fully agree. I have no great need to have OEM (Whatever that means, many many OEM parts are not made by OEM companies!!) parts installed on my older vehicles. As you said, none of the other parts are new so why worry about getting new ones now??

My insurance company, on of the best, tells you upfront it will use non-OEM parts when required. My wife just had a used door installed on her wrecked Cad, works fine and looks just as good as the others.

We need to get over this aversion to using foreign on non-OEM parts, in many cases they are probably better since foreign cars seem to be better than the junk we mfg here.
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« Reply #19 on: August 08, 2010, 08:59:28 PM »

As long as the replacement parts are manufactured to the safe specs and standards, I don't have a problem with using them.  Tully's example of the old Suburban is reasonable.  As the car gets older and more used, not only does it have less value, but all of the parts do.  My only question would be that since the car has less and less value, and the insurance company is going to be willing to spend less and less on it, shouldn't my premiums be going down also?  I have not found that to be the case.
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« Reply #20 on: August 08, 2010, 10:05:02 PM »

the other thing to remember is that insurance companies pay out for the "loss of value" that a vehicle has because it has been "repaired" and is no longer original --- so not all are trying to avoid their obligations

Melbo

P.S. I have also had to contest a claim or lack of payment from an insurance company
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« Reply #21 on: August 09, 2010, 06:39:09 AM »

It is true that the value of the vehicle does go down each year. One would think the auto rates would go down.  However, what off-sets that is the labor rate at the body shop, the material rates and the biggest of all- MEDICAL.  Hospital rates are off the charts and there is no end in sight.  Also, attornies filing for "less than honest" people and insurance fraud just keep adding more and more to our premiums.

Tully
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« Reply #22 on: August 09, 2010, 09:49:31 AM »

Insurance is not a lottery, If you approach it that way, you are in for a tough time. It is set up to make the insurance company a proffit, not the claimant. I look at it as a way to minimize my losses - not a way to make some $$$

My experience with State Farm has always been pleasant. I also look at my stuff as for what it is - used. I also acknowledge the fact that it will not be perfect after the fact.
In the cases I have been involved with concerning State Farm, the problems begin when someone tries to 'make money' on the deal. (My brother tried to stick them with doubling the size of his house after a small fire - SF paid up to the value of the house before the fire & then stopped - dearest brother still thinks he was 'owed' a bigger house.  Shocked )

However, "the good hands people" have consistently been very difficult to deal with. Needless to say, I won't recommend them for anything except heartache, frustration & disappointment.
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« Reply #23 on: August 09, 2010, 08:12:56 PM »

I have never filed a claim with Progressive for an accident, so I cant speak to that. But both my bus and my car are insured by them and I have used them for road side assistance with the bus. I had absolutely no problem whatsoever with them and at least for the road side assistance I liked my service.
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« Reply #24 on: August 09, 2010, 08:30:03 PM »

We have had several claims with Progressive and all have been handled to our complete satisfaction. One involved an emergency stop that resulted in water damage and failure to our inverter. The claim was handled promptly and we ask them to upgrade our inverter to a 4500 watt that was just slightly more money but we offered to handle the installation and they agreed with the deal. We switched our two motorcycles and UTV and a travel trailer/toy hauler to them.  Been good to us!
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« Reply #25 on: August 10, 2010, 07:14:41 AM »

There are companies that you will hear will routinely not settle claims in a fair fashion.  I do believe that Progressive is fair and tries to be fair in the settlement
of their claims.  They try to fullfill their obligation each and every time.  At times,
things can go South like anything.   For the most part though, they are towards the top in paying claims and are ethical.

Tully Lee
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« Reply #26 on: August 10, 2010, 07:41:40 AM »

It sounds like nothing to worry about with Progressive. We're going to look into National Explorer as well.

On a side note about companies nor paying or being fair. Back in the day when I did body work there were a few top name companies that we knew would always be tight with the purse strings but as stated, you also have to be fair with expectations.

I have a brother in law who used to be a claims adjuster with a local workers comp company here. He used to deny all claims as a matter of routine. He said that he was representing the company and doing his job, I of course debated that assertion though his supervisor appeared to agree with him. He would always wait and see if the claimant would protest or threaten to go over his head etc and then he would look into the claim. He figured that anyone who would protest might actually have a valid claim. I asked him once about the loss of income and the added stress and expense he put these people through but he didn't care, it was all part of his job he said. I worked in the I.T dept of the company and Michelle was an underwriter there and we were embarrassed by his actions.
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« Reply #27 on: August 12, 2010, 02:23:03 PM »

Melbo, you said, "the other thing to remember is that insurance companies pay out for the "loss of value" that a vehicle has because it has been "repaired" and is no longer original --- so not all are trying to avoid their obligations"

That was my problem with progressive, they DID NOT pay a 'loss of value' on my claim which is why I would not use them.
Jack
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« Reply #28 on: August 13, 2010, 08:23:52 AM »

We had a claim with Progressive over hail damage last July. When I first bought the bus I had it insured for the purchase price, (which was more than fair value), and I paid a premium based on that value. It turns out that they would only pay "fair market value". Since no two buses are alike...... Long story short, I had to provide all receipts and show all changes/repairs/upgrades and still ended up over 3K short of the value I had insured it for. They started well below that. I didn't try to insure it for more than I bought it for. It was part of the contract that I insure it for what I was buying it for, (which was 35K). I didn't try to "make money", but since they totaled it I expected my just due. Apparently they don't do "Agreed Value", any more, (It's called Fair Market Value/Actual Cash Value now). They are more than happy to insure your bus for any value that you want, and charge you a premium reflective of that value, but in a "total loss" situation you WILL have to prove that it is worth what you said.  Progressive's idea of salvage value was very inflated IMHO also.
 The claims process was fast and easy, and the customer service was top notch. My problem was with "perceived value versus salvage value). My nearly flawless low mile '94 Jeep Grand Cherokee Limited had a lower salvage value than my '99 6'X12' enclosed transport trailer. HUH ? Now, since I can't get full coverage until repairs are completed on the bus, I can't get towing, contents, roadside, trailer coverage, full timer, etc... (even salvage value is around 13K). I estimate that I lost somewhere around 7K between the bus, two cars, and the transport trailer. (That's actual cash value versus salvage value), BTW this is the first claim I've EVER made in my life, and it was weather related.
Bottom line I felt my losses were not paid fairly and I ended my association with them. I ended up with GMAC who's rates were MUCH lower. (I was with Progressive for 7+ years so all applicable discounts, that they offer, were applied). I switched everything over. Cars, bus, motorcycles, etc...  Funny thing, on our classic car, ('65 Corvair convertible), GMAC was $200 a year cheaper than Progressive wanted, and on my Gold Wing motorcycle, almost $400 a year cheaper. Even funnier GMAC farmed out the Corvair's insurance to Progressive. HUH ? $200 a year cheaper than direct from Progressive, (before switching over so multi car discount was applied).
BTW I have a full timers policy with GMAC, now, with towing, transport trailer full coverage, 250K/500K limits, the whole boat deal, for under $700 a year.
Don & Sheila
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