Re: My new Pontoon! ***UPDATED***
Re: My new Pontoon! ***UPDATED***
Well...back on Sept. 16th boat was damaged by buzzards...they tore the seats up...been dealing with Progressive and I can tell you what a pain...I will never have progressive insurance after all the research we've done and our experience.
Here's a quick summary
Well...Here's the summary of the ordeal with the insurance. It was with PROGRESSIVE and my word to anyone who has it is to switch...they have low premiums for a reason.....they are terrible at claim coverage and will do whatever to not have to pay the claim.
Here is a link that you might want to research if you have Progressive
Actual customers experience with claims
http://www.my3cents.com/search.cgi?...&ordertype=desc&subtype=&uid=&mtype=&product=
Here is my story
They denied the claim twice...in 2 sections where they have animal listed they also listed (including birds)...but in the section for comprehensive they didn't include the phrase (including birds)....so if a bird is an animal, why call it out in 2 sections and not all. The adjuster was extremely rude, mentioned to me that everyone in his office considered a bird an animal. We found many definitions of animal and in a lot birds were called out separately (even in the insurance industry). I asked him to see their definition of animal in the insurance jacket...he said it wasn't in there. Basically he stated all he would send me is the letter of denial.
My wife got involved and contacted the adjuster. He was extremely rude to her, told her that her conversation was asinine. He refused to look at any references regarding dictionary terms, definitions within their own industry, and was very condescending. Wife called his supervisor and he stated he seriously doubted the adjuster talked to her that way and told her she should take a poll to see if a bird is an animal. At that point my wife started researching Progressive and definitions more. She also started contacting the office manager, district manager and regional manager to tell of her experience with the adjuster.
Jobvent.com - second highest in complaints?approximately 105 pages. This is a corporate sore point and has been addressed in their corporate management meetings
o Claims adjusters volunteering that they have been reprimanded for not aggressively denying claims
o Unethical practices such as going to an ER room to get a statement because a corporate contest was going on?and they wanted to try and settle a claim before the injured could speak to an attorney
o Deny, and delay are tactics
She also found cases where terms are ambiguous (and the definition of animal regarding bird is ambiguous - has multiple definitions and the courts rule in favor of the insured).
In a nutshell she finally got in touch with the office manager on his vacation and he mentioned he would pay the claim in full and have the adjuster call her. Well, the adjuster called me and stated they were going to pay the claim but consider the boat a total loss because he didn't think the boat was worth what we had agreed value on. I mentioned he needed to contact my wife...he left a voice mail stating they were going to give us a check and then they would own the boat...she called the manager back and stated NO....you told me you were paying the claim in full and had a run around with him...he finally relented and stated he'd mail the check...she said NO, I'll be there shortly to pick it up and the boat will not be considered a total loss.
When she arrived at the office to pick up the check, all of them were behind what appeared to be bullet proof glass, real thick like a corner store in a bad neighborhood with just a small slot to slide documents.....now why would an insurance company need that...do they tick off that many people...heck, most of our banks don't even have that kind of security!
