Do you know that Progressive Insurance is a greedy deceptive insurance company?
The reason I ask this is because I deal with progressive claims and some people are suckered into their low rates because they deceptively get customers to waive their rights to PIP (personal injury protection.) They give people an ,000 PIP deductible. That means the ,000 that auto insurance is responsible to pay when you get into an auto accident has to come out of your pocket. So I ask that question to see if anyone else has any horror stories about Flo and her awesome company.
Tagged with: auto accident • auto insurance • flo • google • horror stories • insurance • personal injury protection • pip • script type • text javascript
Filed under: New York Herniated Disc Lawyer
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I have medical insurance – don’t really need that.
^ tell me if I’m wrong with this
My employer will still pay me if I’m hospitalized as long as I have a doctor’s note
You need to post what state your talking about. And, if you think they are unfair you can file a complaint with the Insurance Commissioner or Department of Insurance in your state.
People do get what they pay for in the quality of service and claims. People don’t think about that when they are just looking for the cheapest price. And, often they can get a cheaper price at the best companies but do not even try shopping there. I have seen that a lot.
Below is a link to the Department of Insurance. Just click on your state.
For anyone who does not need the PIP protection, and would not be able to use it if they had it, waiving it to save money is the smartest thing to do. If they want with another company that did not do what Progressive does, then they would be suckered into paying higher rates for something that they do not need and cannot use.
Sounds like you did "do it yourself" insurance, and you did it to yourself, all right.
Progressive is a GREAT online company. They give professional service, and let people buy the coverages they want to buy. They presume you’re an adult, and can take responsibility for your own choices. They ALSO write policies through local agents.
You can’t waive your PIP coverage, without SIGNING something. As an adult, you are responsible to READ papers before you agree to them. You AGREED to this to save money, then AFTER the accident, you changed your mind.
Sounds like you went to McDonalds for a $5 happy meal, then got all upset that they didn’t deliver a Ruth Chris steak dinner.
Progressive doesn’t have a particularly high complaint ratio, with ANY state, that I know of.
But the vast majority of people who COMPLAIN about insurance companies, fall into two categories:
1. Either they tried to pull a fast one on the insurance, and got caught (with a denied claim) or
2. They didn’t buy the right coverage.
So clearly, you’re #2. There’s NO WAY, with this type of complaint, that you should be buying insurance WITHOUT a local agent. It won’t cost you any more money, and you’ll get someone saying to you, hey, waiving your PIP coverage is a really crappy idea. If you want to do it you can, but it’s going to come back to bite you in the rear.
*** Regarding Huntsmans comments that you don’t need PIP if you have health insurance – that’s not always correct. In some states, the health insurance carrier is allowed to DENY the portion of the claim covered by PIP if the injury is related to an automobile accident. As always, it’s POLICY AND STATE SPECIFIC. So don’t go hanging your hat on that. Also, PIP covers things that are NOT covered by medical insurance, like lost wages, and services you have to hire because you’re not able to perform them yourself.
You got some really great advice from the other posters.
I sell auto insurance with Allied – which is in the Nationwide Group – and with Progressive. Unless you know a lot about insurance don’t buy your own policy online. Yeah, you can "name your own price" but you’ll pay dearly later if you get it wrong. You clearly need an agent who will educate you on the coverage options so you can make the right choice for you.
I have people call me all the time who just want "Coverage." They seem to think I can waive a magic wand they’ll automatically have the best insurance. I educate first. Give prices after — whether they like it or not. No one will ever be able to come back later and say "But you didn’t tell me!"
Btw, I think Flo is adorable.