Progressive Corporation

January 4, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: ***Policy Type: Personal Auto NAIC Number: *** Company Name: *** *** ***
*** Ms***,I’m writing in response to your letter dated December 29, I appreciate the opportunity to address Mr***’s concerns about the status of his claim. I thoroughly reviewed this claim and confirmed that we addressed Mr***’s concerns regarding the bumper clips and sensor on December 28, I also see that on December 12, 2016, we completed an authorization for a pickup truck for Mr*** through Enterprise Rent-A-Car.I’m sorry for our delays in getting back to Mr*** and the inconvenience we causedIf you have any questions, please feel free to call me directly at 1-440-910-3192.Sincerely,Jon O*** Jon O***Claims Manager

September 20, 2016Better Business ***, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County
Mutual Insurance CompanyMs***,I’m writing in reply to your letter dated September 6, I appreciate the extra time provided to research this complaint. Unfortunately, I was not able to find any claim or information concerning the accident date of August 10, 2016, that Mr*** refers to in his complaintAs of the March 11, 2016, this policy has lapsed and there is no coverage available at this timeThe last payment received on this policy was on December 12, A payment of $was required in order to renew the policy effective March 11, 2016. If you have questions, please call me at 1-440-395- Sincerely,Rose V***Rose V***Consumer Relations Specialist

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Progressive's "offer", is that the fault determination will remain the same, and the subsequent raising of our rates will progress as planned. That is not acceptable, and in my opinion, borderline fraudulent
Ist, *** never said she looked away for any period of time. And secondly, the Little Elm police report left out critical details of her statement, namely that the door of the vehicle she hit, was not open as she arrived at it's rear, and only opened when
she had no time to avoid a co***ion, and further, she clearly stated that the interior lights were not on, as would be if the door was already open
So I don't accept Progressive's "offer" of no change, no wrongdoing on their part
Regards,*** ***

What Progressive has responded is not true.I never changed my addressMy address was always the sameI don't know what they are talking about. My original quote was with the comprehensive. I asked to not be enrolled in the automatic bill pay because behind my back they were trying to take out way more money then agreed onI got an email that way more money was going to be taken out of my account then agreed onI guess many people just don't pay attention to thisThey said all of their conversations with their sales reps are recordedI made it very clear I did not expect any funny business with the numbers and the sales person assured meI spoke with a manager, Cindi O*** who said she would send me the tape recordingsIt has been over a month nowI have left several messages for her with no response now. I refuse for them to just charge what they want to my name. This has not been resolved and I refuse for Progressive to get away with this

December 5, Revdex.com, IncEuclid Avenue 4th Floor Cleveland, OH 44115-Attn: Lou ***
* Re: File Number: ***
Customer Name: *** *** Policy Number: *** Policy Type: Motorcycle NAIC Number: *** Company Name: Progressive Direct Insurance Company MrT***, I’m writing in reply to your letter dated November 30, I appreciate the opportunity to explain why there was a balance due after cancellation, and the method used to cancel the policy I’m sorry for any frustration MrS*** experienced during his conversations with our Service ConsultantsWe strive to make every service experience a great one On July 20, 2017, MrS*** purchased a policy with us for an annual rate of $1,He submitted a payment of $to initiate the policy binding via the internetHe selected Electronic Funds Transfer (EFT) for his payment method, and elected to reject Underinsured Motorist coverage, higher limits for Uninsured Motorist coverage, Underinsured Motorist coverage, Uninsured Motorist Property Damage coverage and Personal Injury Protection coverage We sent copies of the Application, EFT Authorization form and Rejection forms and advised MrS***, that he needed to sign and return the forms to complete the purchase, or his rate would increase Because we want to retain MrS*** as a valued customer and we understand our customers are busy, on August 14, 2017, we sent another letter to MrS***This letter was a second request to provide the signed documents by August 27, to avoid an increase in his rateBecause we didn’t receive the signed forms for proper rejections of coverage, we changed his policy to reflect the correct coverage, resulting in an increase of $This change was made effective September 6, 2017, revising his rate to $2, On October 4, 2017, we changed MrS***’s bill plan, removing EFT due to not receiving the signed form On October 22, 2017, we added a $late fee On October 23, 2017, we sent a Cancel Notice for nonpayment for the payment of $1,due by November 5, On November 6, 2017, we cancel the policy at MrS***’s request effective November 22, 2017, leaving a balance due of $ As a courtesy, we allowed for an accommodation to accept the signed forms, after the cancellation date, revising the cancellation date to November 5, 2017, and deleting the coveragesThis resulted in a credit of $264, leaving a balance due of $172.27, On November 29, 2017, we received the payment of $ In the Application under “other charges” located in the signature section, and in the Policy Contract, is an explanation of the 90% of prorate method of cancellation, as explained to MrS*** by the Service ConsultantsWe mailed all documents to MrS***’s address that we have on file for his review and signatureBecause we did provide the information regarding our method of cancellation, I’m unable to issue a refund for the $ I’ve included the following documents for your review: ApplicationCoverage Summary PagesLettersBilling SummaryFinal Bill Signed forms submitted by MrS***Policy Notes Again, I’m sorry for the inconvenience this caused MrS*** and hope that he understands why a refund will not be issuedIf you have any questions, please call me at *** Sincerely, Annie D*** Annie D***Consumer Relations Specialist Tell us why here

MrT***,
Attached is our response
Thank you,
*** ***
Consumer Relations Specialist ***

March 7, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: ***File Name: *** ***Claim Number: ***Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Premier Insurance Company of IllinoisMs***,I'm writing in reply to your email dated March 1, 2016.I spoke with Mr*** on March 2, 2016, regarding his concerns and he agreedto settle the total loss of the *** ***He’s scheduled to go to our Romeoffice to sign the title and pick up the draftI’m pleased to say that Mr*** hadno further complaints or unresolved issues at the completion of our phone call.If you have any questions, please call me at 1-678-621-6541.Sincerely,Tony S*Tony S*Claims Supervisor

January 13, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Travel TrailerNAIC Number: ***Company Name: Progressive Northwestern Insurance CompanyMs
***,I'm writing in reply to your email dated December 29, 2015.Claim Representative Shawn A*** completed the initial inspection and estimate on Mr***’s Travel TrailerAt that time, he explained some parts could not be found and offered an alternative for repairMr*** understood and agreed with the recommendationMr*** was staying in the travel trailer and agreed to push off repairs until he was no longer using it for the season. On January 28, 2015, Claim Representative David S*** was contacted by Quality Collision concerning the repairs on Mr***’s travel trailerThe shop manager informed MrS*** that he could not section the front capMrS*** called Duncan RV in Indiana, who handles large repair jobs for usIf they cannot locate a part they have the ability to fabricate the partThey reviewed photos with MrS*** and agreed they could complete the repairs. On February 19, 2015, MrS*** called Mr*** and explained that we cannot locate a front cap and no local shop can complete the repairsMrS*** informed him we can move his travel trailer to Duncan RV and they can complete the repairsMr*** gave permission to move his travel trailer to Duncan RV for repairOn March 23, 2015, MrS*** received an email from Duncan RV advising they now have Mr***’s travel trailer in their shopMrS*** subsequently received an email from Duncan RV advising they could not locate the part and there is not a mold available to fabricate the partThey offered alternatives that were rejected by Mr***They proposed another plan to move it to a shop in California to have the part fabricated and installed. Vinny from Duncan RV called MrS*** and then proposed using a repair kit from 3MMrS*** and Mr*** agreed to have Duncan RV use the kit to complete the repairs. On September 22, 2015, Mr*** contacted MrS*** to advise his travel trailer was not delivered back to him as promisedMrS*** said he would look into it and get back to him on the delivery statusMrS*** contacted Duncan RV and was told it would be delivered to Mr*** on Tuesday, September 29, Mr*** emailed MrS*** on September 29, 2015, advising he received his travel trailerIn the email he stated he was not happy with the repairsHe provided a list of issues to MrS*** On September 30, 2015, MrS*** sent an email to Vinny at Duncan RV with the list of Mr***’s complaintsOn October 6, 2015, Vinny responded asking for pictures of everything Mr*** states was repaired incorrectlyMrS*** completed a re-inspection of the travel trailer on October 16, 2015, and sent the photos to Vinny Vinny was not cooperating with MrS*** in addressing the concernsI spoke to Vinny at Duncan RV and explained to him that he needed to address this issue with Mr*** as soon as possibleHe promised to call Mr*** and discuss his complaints and set up a plan to resolve the repair issues. On January 4, 2016, I called Mr*** and confirmed Vinny called himHe said their plan was to have a three way call with Mr***, MrS*** and VinnyThe purpose of the call was to come up with a plan to address all repair issues and complete the necessary repairs. I’m sorry for Mr***’s frustration with this claimIt is our intention to support him and stay involved in the claim process until his concerns have been addressed and the issues are rectified by Duncan RV.If you have any questions, please call me at 1-570-309-3933.Sincerely, John PekarovskyJohn PekarovskyClaims Supervisor

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
As an auto insurance company, Progressive has the capacity to perform their own investigation and determine my vehicles worth after an accident of this magnitude. Progressive is simply trying to avoid taking responsibility for a loss caused by their insuredThe reason for my wanting to trathe Subaru has nothing to do with the loss of value caused by their insureds negligence. Regardless of how the repairs were performed the vehicle is still worth $less due to the accident alone, not the repairs. Progressive is only offering to consider resolving this issue after I have already taken on the additional loss of trading in my vehicle at $less than what it would have been worth prior to the accident caused by their insured. We have already spoken with an attorney regarding this matter but would prefer to come to an agreement with Progressive without having to file legal action as the legal fees are likely to double the amount being requested for diminished value of this vehicle. I do not think that I am requesting an unreasonable amount for the diminished value of my vehicle, however Progressives intense list of requests are outlandish and clearly an effort to prevent me from trading in my vehicle and therefore allowing them to avoid compensating me for the amount of the loss which I am owed.
Regards,
*** ***

March 7, 2016Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: *** ***Re: File Number: ***Customer Name: *** ** *** ***Policy Number: ***Policy Type: Personal AutoNAIC Number: ***Company Name: Progressive Direct Insurance CompanyMs***,I'm writing in reply to your letter dated February 26, I appreciate you takingthe time to review this matter thoroughly for Mr***.Our letter on July 24, 2015, which I provided previously (pages six and seven),advised what Mr*** could provide to us if he didn’t want us to add his cousin tohis policyMr*** didn’t respond and we added his cousin to the policy effectiveJuly 24, This change increased the policy by $1,We received theexclusion form dated October 9, 2015, and excluded the cousin effectiveOctober 9, This change provided a credit to the policy of $Wecanceled the policy at Mr***’s request effective October 14, 2015, and sent him abill for the unpaid balance dueWe received a $payment on February 7, 2016,which revised the current balance due to $1,194.89.If Mr*** provides copies of *** ***’s driver’s license and/or proof that *** ***had insurance with another company from July 24, to October 9, 2015, I’llmake an accommodation to review it to see if I can revise the canceled policy.Please bear in mind that if *** ***’s driving record shows accidents or violations,the balance owed may actually increaseThis accommodation is only availablethrough April 7, After that date, the accommodation is no longer available.Sincerely,Dona R***Dona R***Consumer Relations Specialist1-440-395-

April 7, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408 Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County Mutual Insurance
CompanyTo Whom It May Concern,I’m writing in reply to your letter dated March 31, I appreciate the opportunity to clarify this situation further. It’s always been our goal to provide exceptional service to our customers and complete a thorough market search to determine the value of a vehicle and I’m sorry this has not taken place in this loss.Claim Manager Kia L*** spoke with Mr*** on several occasions this week to address his concernsI spoke with him on March 31, 2016, to discuss the next steps for resolutionWe spoke of his vehicle value concerns as well as the claim file and completed an updated Total Loss Value in the claim.On April 1, 2016, I contacted Mr*** and left a voicemail to advise him of the updated resolutionI advised him that our claims representative would follow up with him on the draft and complete paperwork required for resolution I’m sorry for any confusion to this matterIf you have any questions, please call me at 1-512-645-3832.Sincerely,Danielle N*** Danielle N*** Claims Manager

Is it possible for me to get a copy of the recording they are referring to? I Spoke with Douglas last week and was told if I send a money order for $110, the claim can be reduced He confirmed receipt of the money order and instructed me to call customer service to get an updated quote I spoke with customer service this morning and nothing has been updated.***

July 29, 2016Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Casualty Insurance Company Ms
***, I’m writing in reply to your letter dated June 25, 2016.We inspected and appraised Mr***’s vehicle on May 19, 2016, at Collision Repair Specialist in StJoseph, MissouriThe inspection revealed prior damage to the front and rear bumpers, hood, and right mirrorWe also identified an active engine and transmission leakWe reduced the original value by $1,due to the condition of the vehicleWe have an outstanding offer of $4,for the negotiable title to the vehicle. We located multiple local comparable vehicles and included them in the appraisal report provided to Mr***Please note, the comparable vehicles had much lower mileage and thus, a value adjustment was made when looking at each comparable. I’m sorry for any frustration Mr*** experienced with his claimI’m happy to discuss the value further with him and attempt to come to an amicable settlementIf you have questions, please call me at 1-314-801-5536.Sincerely,Steve P***Steve P***Claim Manager

July 27, 2016Revdex.com, IncEuclid Avenue 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number: *** Customer Name: *** *** Policy Number: ***
Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Advanced Insurance Company Ms***,I’m writing in reply to your letter dated July 22, I appreciate the opportunity to clarify the situation.On July 21, 2016, Ms*** called to add an SRto *** ***, a listed driver on the policyThis change resulted in an increase of $to the policyThis amount includes the $filing fee. I’m sorry that we did not provide a breakdown of charges to Ms*** and hope that she understands that it wasn’t intentionalThe Declarations Page forwarded indicates the filing feeThis fee isn’t reversible, unless, we made a mistake in the issuance of the filingI’ve included a copy of the Declarations Page for your review.Again, I’m sorry for the confusion causedIf you have any questions, please call me at 1-440-620-6942.Sincerely,Annie G***Annie G***Consumer Relations Specialist

MrT***,
Attached is our response
Thank you,
Rose S***
Consumer Relations Specialist ***

March 30, 2016Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Code: *** Company Name: Progressive
Southeastern Insurance Company Ms***,I am writing in reply to your inquiry dated March 22, Thank you for the opportunity to clarify the situation. We are aware of Ms***’s request for diminished value, and we have not denied her claimWe have asked verbally, and in writing, for her to provide supporting documentation of her claimI have attached the letter for your review.To date, we have only received a summary letter that is speculative of the car’s current (post-repair) value, and the existence of the accident on ***We cannot accurately gauge a potential diminished value claim until Ms*** sells the vehicleOnly then can we prove the value diminished. Ms*** also states she is only considering selling the car because of her post-repair safety concernsIf this is the case, her issue is not with diminished value, but rather quality of repairs and/or workmanshipMs*** chose to have her vehicle repaired at Gilbertsville Auto Body, and should contact them to address her quality concerns I appreciate Ms***’s patience while we review her claimIf you have any questions, please call me at 1-484-714-3331Sincerely, Bobbi B***Bobbi B***Claims Manager

(The following was copy/paste by Revdex.com staff - LST)***From: *** *** ***Date: Sat, Feb 24, at 4:PMSubject: Re: Cleveland Revdex.com re: Progressive CorporationTo: Lou *** ***
Hi *** *** here. Thank you, the response from Progressive actually backs us up two three steps that I've already taken.About three months from the hurricane I received a certified letter of denial from Progressive stating to the effect we are unable to rule out the damage was pre-existing, please notify us of any information supporting your claim, so I sent that information via certified mail. A few weeks later I received a denial (call) . I said to her " okay but that's not true send me something in the mail ". I never heard back or received anything.This brings me to the 1st point: why is my tiny claim taking ten or more person's , telephone, mail, internet contact and two different departments? I am a year old retired businessman with two houses, three cars, two sons and a motorcycle to insure ...something stinks here it's not me and I'm still paying this company money . ??2nd: Who takes pictures of their car ? I happen to have two because the STATE OF FLORIDA required them for my March 15,inspection but they said, (Progressive) "don't have time stamps" The inspection of the car is the time stampalso the pictures show no damage because it was not there before the hurricane. Finally, In the information of my last response to Progressive, I gathered three independent testimonies which were written and signed by people who are familiar with the carAfter a couple of months I came to find out none of them had ever been contacted. So the denial call mentioned above was given without even checking the supporting evidence.That's not right, it's hard to tell how many are denied without the fortitude to fight back and it's too small for a lawyer soooooooo, We contact you.I have receipts and such not sure what you may want or need. *** *** * ***

12677977*** ***

Attached is our follow up response

August 16, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County Mutual
Insurance CompanyMs***,I’m writing in reply to your letter dated August 9, 2016, and the multiple emails the customer has sent us directlyI’d be happy to provide additional information regarding the valid amount due on Ms***’s policy of $66.15. On April 26, 2016, we sent a Renewal Offer to Ms*** for the new policy period effective May 30, 2016, with a minimum payment due by that date for $On May 31, 2016, Ms*** made a debit card payment of $and renewed her policy On June 14, 2016, we sent Ms*** a bill for $50.84, due June 30, We didn’t receive the payment. On July 3, 2016, we sent a Cancel Notice letting Ms*** know we must receive her payment by July 15, 2016, to avoid cancellation of her policy Unfortunately, we never received payment from Ms*** or notification of her intent to keep her policy, so the policy canceled on July 17, We sent a Final Bill for the remaining balance due of $This amount is owed because we provided coverage for the *** SL up to the cancel date of July 15, 2016. Unless our customer’s notify us directly we cannot know if they wished to keep or not keep their policyUsing a survey or a poll to notify us of their intent is not an effective way to notify us of their desire to cancel a policy. Surveys are used to measure the way we are doing business with our customers not to process changes, endorsements or cancel request. I’d be happy to accommodate a revision of her cancel if she is able to provide proof that she did sell or trade in her vehicleIf we don’t receive this information promptly her account will be sent to an outside Collection Vendor for the valid amount due I’m sorry for any confusion to this matterIf you have any questions, please call me at 1-440-395- Sincerely,Rose V***Rose V***Consumer Relations Specialist