Big +1 for Progressive.

[Irving]

I know someone trying right now to get out of progressive because of this:
http://www.google.com/url?sa=t&sourc...CI-gP2AxFyK_bA

1) There is no trying to get out of a policy, you just cancel and move on.
2) Every other company will be the same.
3)

Carrying Progressive insurance and getting into an accident does not entitle you to the value of your insurance policy.

No shit it doesn't. People are absolutely stupid about insurance.

[00tec]

1) There is no trying to get out of a policy, you just cancel and move on.
2) Every other company will be the same.
3) No shit it doesn't. People are absolutely stupid about insurance.

He is currently shopping for a different policy. Apparently some agencies don't like to cover what they consider a "farm".

[Irving]

I know someone trying right now to get out of progressive because of this:
http://www.google.com/url?sa=t&sourc...CI-gP2AxFyK_bA

I looked into this some more, and as usual, the general public knows dick about what they are talking about and are throwing a fit over things they are making zero effort to understand.

First, the driver that killed this comedian's sister was insured by, and defended in court by Nationwide.

Second, as I quoted before, of course you aren't entitled to the policy limit just because someone else didn't have enough insurance to cover your damages. The way that UIM (under insured motorist) coverage works is that your UIM coverage will make up the difference between what the other guys was able to pay, and what is left of your damages/injuries. When this kind of situation happens, your insurance company is now saddled with whatever liability the at-fault person had in causing your damages. The company treats it just like they do every other claim, where they will only pay what they feel they are liable for. Just because they now have to pay for the difference, doesn't automatically mean that they are going to stroke you off a check for your full policy limits.

When there is a disagreement about the amount an injury/death is worth, then you basically have to bring suit against your own company. Suing your own company is apparently against the law in Maryland, so they had to sue the at fault driver (why they wouldn't do that in the first place is beyond me).

Progressive probably did try to short this poor dead girl on the settlement amount, and ended up in court over it. Now, they've got a jury full of people looking at pictures of a dead girl, and an attorney hired by the family telling them how bad Progressive is. The jury gets their emotions up and slaps Progressive with some $760,000 for bad faith. Progressive would have ended up paying a lot less money if they had kicked a little more money the family's way in the first place.

Long story short, this comedian is probably pretty upset and ran his mouth about Progressive defending the at-fault driver, when that is not at all what happened.

[00tec]

I looked into this some more, and as usual, the general public knows dick about what they are talking about and are throwing a fit over things they are making zero effort to understand.

First, the driver that killed this comedian's sister was insured by, and defended in court by Nationwide.

Second, as I quoted before, of course you aren't entitled to the policy limit just because someone else didn't have enough insurance to cover your damages. The way that UIM (under insured motorist) coverage works is that your UIM coverage will make up the difference between what the other guys was able to pay, and what is left of your damages/injuries. When this kind of situation happens, your insurance company is now saddled with whatever liability the at-fault person had in causing your damages. The company treats it just like they do every other claim, where they will only pay what they feel they are liable for. Just because they now have to pay for the difference, doesn't automatically mean that they are going to stroke you off a check for your full policy limits.

When there is a disagreement about the amount an injury/death is worth, then you basically have to bring suit against your own company. Suing your own company is apparently against the law in Maryland, so they had to sue the at fault driver (why they wouldn't do that in the first place is beyond me).

Progressive probably did try to short this poor dead girl on the settlement amount, and ended up in court over it. Now, they've got a jury full of people looking at pictures of a dead girl, and an attorney hired by the family telling them how bad Progressive is. The jury gets their emotions up and slaps Progressive with some $760,000 for bad faith. Progressive would have ended up paying a lot less money if they had kicked a little more money the family's way in the first place.

Long story short, this comedian is probably pretty upset and ran his mouth about Progressive defending the at-fault driver, when that is not at all what happened.

He may have had Nationwide, and had them represent him in court, but Progressive was also there on his behalf, despite what they said publicly. It would seep pretty strange that they filed this.


You may have to click the I agree thing, then follow the link again.
Progressive was able to intervene as party DEFENDANT.
http://casesearch.courts.state.md.us...9&detailLoc=CC

[Irving]

He may have had Nationwide, and had them represent him in court, but Progressive was also there on his behalf, despite what they said publicly. It would seep pretty strange that they filed this.


You may have to click the I agree thing, then follow the link again.
Progressive was able to intervene as party DEFENDANT.
http://casesearch.courts.state.md.us...9&detailLoc=CC

When the UIM coverage kicks in, Progressive essentially has to play the part of the at fault party. In that situation, they become both parties. It is a thin line to walk. They should not have put themselves in that position in the first place. See how it says "Interested party" at the top? Because Progressive now has to pay the rest of the liability, they are certainly interested in how much the damages/injuries are going to be.

[Irving]

It was taken care of quickly because you went through your own company and had the proper coverage. Have you even spoken with the other guy's company? If the accident happened like you said, and points of impact side with your story, that should be a pretty difficult one for them to dispute.

[DSB OUTDOORS]

I"m not a big Progressive fan myself. They screwed me years back and I dropped them as fast as I could. I'm glad your alright, and they are making good as they should!!

[Larry Ashcraft]

Apparently some agencies don't like to cover what they consider a "farm".

Has he tried Farm Bureau? That's who we have and we've been very satisfied with their claims service.

[airborneranger]

I hope the other insurance company doesn't play bullshit games. Right before I deployed, my wife was T-boned by some ass-clown. At first, they refused to do anything until they received the police report. Now that they have it (their driver was blamed and ticketed), they are STILL refusing to accept liability! WTF!!

Progressive offered me the same deal as you - pay the deductible and I will get it back. Since our vehicle is still drivable, I am not going to do that. I have been calling the other insurance and they still won't answer their phones. Needless to say, I am a bit pissed.

[Irving]

I hope the other insurance company doesn't play bullshit games. Right before I deployed, my wife was T-boned by some ass-clown. At first, they refused to do anything until they received the police report. Now that they have it (their driver was blamed and ticketed), they are STILL refusing to accept liability! WTF!!

Progressive offered me the same deal as you - pay the deductible and I will get it back. Since our vehicle is still drivable, I am not going to do that. I have been calling the other insurance and they still won't answer their phones. Needless to say, I am a bit pissed.

Police don't get to decide liability. You only get your deductible back IF the other company accepts liability and your company recovers it through subrogation.