Very upsetting day today......my poor z =[

b1adesofcha0s · 10-01-2011, 06:54 AM

Good to hear man, good luck

kayess · 10-11-2011, 06:28 PM

*Quick update for people following this thread, again thanks for the support everyone!*

Last Friday we met with the investigator and provided the information they asked. I recorded the whole conversation as they did also. He stated that Progressive has no recollection of me having full coverage pretty much. We did our side of the battle and wanted an explanation on the email document, which they are clueless on still. They said they are going to get back to me once the report is completed. I did my part by having progressive fill out the insurance bureau complaint form for the state of VA, they were shocked to see i was aware of the bureau.

*Side note which may help me*
I found out that VDOT has opened their claim service for the people who were directly affected by the Reston Park and Ride Flood. They have not fully disclosed that they will honor any claims and suggest that its not their fault but will still have the claim assets and possible something is better then nothing.

Check the link below:
WAS YOUR VEHICLE DAMAGED AT THE RESTON PARK N RIDE?

I am currently perusing both insurance for their mistake and VDOT now, lets see what happens.

b1adesofcha0s · 10-11-2011, 06:32 PM

Good luck, hope everything works out for you

SPOHN · 10-11-2011, 06:33 PM

Hate that it's taking this long. But I feel it's in your favor.

onzedge · 10-11-2011, 06:38 PM

Hang in there, man.

11Thumper · 10-11-2011, 07:42 PM

kayess, I really wish you the best in this matter.

I do feel MacCool has provided some good insight for everyone to consider. Based on what I've read (mind you, just what I read on my computer screen) it seems like you were under the impression that you had full coverage at the time of the incident, but perhaps that was not the case. If that plays out to be the actual circumstance surrounding your claim with the insurance company, you'll unfortunately suffer a substantial monetary loss as a result. A painful and unfortunate learning experience.

However, if fault lies with the insurance company and a mistake they made on their end (for example, dropping full coverage without your permission) you should be in a better position. The fact still remains that you (as the provider of insurance coverage for the vehicle) are responsible for ensuring full coverage is maintained until the title is released to you with no lien holder. If you received an updated declaration in the mail and failed to review it properly that is not an excuse the court will allow.

Since you have other vehicles on the same insurance policy...

Did you happen to call and make changes to the policy for one of the other vehicles? Could it have been a simple clerical error? Still, you're responsible for reviewing the changed policy.

In your most recent post you stated "Last Friday we met with the investigator". Who are "we"? Did you have a lawyer with you? If you honestly feel you're in the right then you need legal representation every step of the way on this. If found in your favor the insurance company will likely have to pay the legal fees you incur. However, if you lose the case the lawyer fees are sure to be on your dime.

Regardless, I wish you the best.

kayess · 10-11-2011, 10:19 PM

Sorry for missing information, "We" is: my sister, lawyer, and myself. I was given the assumption that i was fully cover by progressive, which is what i intended to purchase.

No changes were made, i asked if they could provide me the exact date and address the deceleration page was sent, they told me they need to pull that information up as they didn't have that on hand...Really? You're trying to investigate me without proper information for yourself? *Just a thought*

What stuck me odd today is that i received an email from progressive stating my insurance has dropped about roughly $30+ for my coverage on the Z.

I'm fully aware of the legal fees, i believe im being wronged by the company, when i ask for explanations, i get an around the bush answer.

And all the information MacCool has brought up has really taught me a lot regarding insurance companies and i agree with you 11Thumper.

Thanks, 370z forum member luck is stacking on my side

gurneyeagle · 10-12-2011, 06:47 AM

Sounds like you have things under control to the best of your ability. Also sounds like Progressive is beginning to squirm a bit too. That's always a good sign. I struggle with believing they don't have all their paperwork in hand.

Hang in there kid, we are all pulling for you.

11Thumper · 10-12-2011, 12:29 PM

Quote:

Originally Posted by gurneyeagle

Hang in there kid, we are all pulling for you.

That's for sure!

Mt Tam I am · 10-12-2011, 03:26 PM

Years ago my 280Z was flooded. Took a final exam and retuned to a mess. I did not have insurance and tried to dry out the car myself. Long term was terrible. You are doing it correctly.

Waiz · 10-12-2011, 03:59 PM

Just read the whole thread, best of luck OP!

PapoZalsa · 10-12-2011, 08:52 PM

I still say that the insurance and financial company drop the ball.

Hope everything is fix soon!

11Thumper · 10-13-2011, 12:05 AM

Quote:

Originally Posted by PapoZalsa

I still say that the insurance and financial company drop the ball.

Hope everything is fix soon!

Because?

PapoZalsa · 10-13-2011, 07:56 AM

Quote:

Originally Posted by 11Thumper

Because?

Because if you have a good insurance company they willl take care of you, they know the coverage for a financed vehicle.

Just one example: I went overseas for 2 yrs, I had a car that still had a lienhold with a FCU. The car was going to be parked and garaged. My insurance company would not let me drop coverage or increase my deductible without the FCU authorization because they knew that a financed vehicle need to meet certain requirements for coverage.

Also anytime that I have changed deductible the insurance has notified the FCU and the FCU has sent me a letter if it doesn't meet the requirements.

That is having a good Insurance company!

semtex · 10-13-2011, 09:42 AM

Quote:

Originally Posted by PapoZalsa

Because if you have a good insurance company they willl take care of you, they know the coverage for a financed vehicle.

Just one example: I went overseas for 2 yrs, I had a car that still had a lienhold with a FCU. The car was going to be parked and garaged. My insurance company would not let me drop coverage or increase my deductible without the FCU authorization because they knew that a financed vehicle need to meet certain requirements for coverage.

Also anytime that I have changed deductible the insurance has notified the FCU and the FCU has sent me a letter if it doesn't meet the requirements.

That is having a good Insurance company!

Hmmm...I'm not so sure about this. You don't really think their refusal to let you drop coverage was motivated by a benevolent concern for your well-being, do you? Maybe I'm being too cynical, but I'd be more inclined to say that their sole motivation was continuing to receive your money, and your FCU lien requirements simply gave them a justification for saying no to you. I think they were taking care of themselves, and taking care of you just happened to coincide with that.

10-01-2011, 06:54 AM	#1 (permalink)
b1adesofcha0s A True Z Fanatic Join Date: Jan 2011 Location: MD Posts: 40,963 Drives: HypeTrain Choo Choo! Rep Power: 143	Good to hear man, good luck __________________ Project: b1adeZmobile (2009 370Z) \| Uprev Tune by AAM Competition \| Berk Exhaust Project: b1adeZmobile 2.0 (2014 C7 Z51) \| Corsa Xtreme Exhaust

10-11-2011, 06:32 PM	#3 (permalink)
b1adesofcha0s A True Z Fanatic Join Date: Jan 2011 Location: MD Posts: 40,963 Drives: HypeTrain Choo Choo! Rep Power: 143	Good luck, hope everything works out for you __________________ Project: b1adeZmobile (2009 370Z) \| Uprev Tune by AAM Competition \| Berk Exhaust Project: b1adeZmobile 2.0 (2014 C7 Z51) \| Corsa Xtreme Exhaust

10-11-2011, 06:33 PM	#4 (permalink)
SPOHN A True Z Fanatic Join Date: Feb 2010 Location: Covington, GA Age: 47 Posts: 14,844 Drives: Waiting on next Z Rep Power: 223	Hate that it's taking this long. But I feel it's in your favor. __________________

10-11-2011, 06:38 PM	#5 (permalink)
onzedge A True Z Fanatic Join Date: Apr 2010 Location: Battle Lake MN Age: 65 Posts: 183,964 Drives: 370Z 240Z Rep Power: 2684738	Hang in there, man. __________________ Koni\|Swift\|Michelin\|Motordyne\|Berk\|RJM Performance\|Gates\|SPL\|Motul\|Technafit\|Ate Super Blue\|Hawk Tommy Kaira\|Momo\|Optima\|Hella\|Hotchkis\|Red Line\|ZSpeed\|Stillen\|B&M\|H&R

10-11-2011, 07:42 PM	#6 (permalink)
11Thumper Track Member Join Date: Mar 2011 Location: Bay Area, CA Posts: 754 Drives: '11 370Z, '01 S2k Rep Power: 19	kayess, I really wish you the best in this matter. I do feel MacCool has provided some good insight for everyone to consider. Based on what I've read (mind you, just what I read on my computer screen) it seems like you were under the impression that you had full coverage at the time of the incident, but perhaps that was not the case. If that plays out to be the actual circumstance surrounding your claim with the insurance company, you'll unfortunately suffer a substantial monetary loss as a result. A painful and unfortunate learning experience. However, if fault lies with the insurance company and a mistake they made on their end (for example, dropping full coverage without your permission) you should be in a better position. The fact still remains that you (as the provider of insurance coverage for the vehicle) are responsible for ensuring full coverage is maintained until the title is released to you with no lien holder. If you received an updated declaration in the mail and failed to review it properly that is not an excuse the court will allow. Since you have other vehicles on the same insurance policy... Did you happen to call and make changes to the policy for one of the other vehicles? Could it have been a simple clerical error? Still, you're responsible for reviewing the changed policy. In your most recent post you stated "Last Friday we met with the investigator". Who are "we"? Did you have a lawyer with you? If you honestly feel you're in the right then you need legal representation every step of the way on this. If found in your favor the insurance company will likely have to pay the legal fees you incur. However, if you lose the case the lawyer fees are sure to be on your dime. Regardless, I wish you the best. Last edited by 11Thumper; 10-11-2011 at 08:06 PM.

10-11-2011, 06:28 PM	#2 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 16	Quick update for people following this thread, again thanks for the support everyone! Last Friday we met with the investigator and provided the information they asked. I recorded the whole conversation as they did also. He stated that Progressive has no recollection of me having full coverage pretty much. We did our side of the battle and wanted an explanation on the email document, which they are clueless on still. They said they are going to get back to me once the report is completed. I did my part by having progressive fill out the insurance bureau complaint form for the state of VA, they were shocked to see i was aware of the bureau. Side note which may help me I found out that VDOT has opened their claim service for the people who were directly affected by the Reston Park and Ride Flood. They have not fully disclosed that they will honor any claims and suggest that its not their fault but will still have the claim assets and possible something is better then nothing. Check the link below: WAS YOUR VEHICLE DAMAGED AT THE RESTON PARK N RIDE? I am currently perusing both insurance for their mistake and VDOT now, lets see what happens.

10-11-2011, 10:19 PM	#7 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 16	Sorry for missing information, "We" is: my sister, lawyer, and myself. I was given the assumption that i was fully cover by progressive, which is what i intended to purchase. No changes were made, i asked if they could provide me the exact date and address the deceleration page was sent, they told me they need to pull that information up as they didn't have that on hand...Really? You're trying to investigate me without proper information for yourself? Just a thought What stuck me odd today is that i received an email from progressive stating my insurance has dropped about roughly $30+ for my coverage on the Z. I'm fully aware of the legal fees, i believe im being wronged by the company, when i ask for explanations, i get an around the bush answer. And all the information MacCool has brought up has really taught me a lot regarding insurance companies and i agree with you 11Thumper. Thanks, 370z forum member luck is stacking on my side

10-12-2011, 06:47 AM	#8 (permalink)
gurneyeagle A True Z Fanatic Join Date: Jul 2011 Location: Houston/Saint Augustine Posts: 2,681 Drives: '18 Audi TT RS Rep Power: 20216	Sounds like you have things under control to the best of your ability. Also sounds like Progressive is beginning to squirm a bit too. That's always a good sign. I struggle with believing they don't have all their paperwork in hand. Hang in there kid, we are all pulling for you. __________________ Waiting on the Z35! SOLD - 2011 Gun Metallic Touring 7AT w Sports Pkg & Nav, Nismo Bumper and Rims, RC Grille, RC Brake Ducts, H&R Spacers, Painted Door Hdls, GTR Start Button, Nav By-Pass, EVO R Fog Light, CF Ducktail, CF Interior Trim

10-12-2011, 03:26 PM	#10 (permalink)
Mt Tam I am A True Z Fanatic Join Date: Jun 2010 Location: California Posts: 10,709 Drives: 370Z T/S/N 6MT & XKE Rep Power: 3845	Years ago my 280Z was flooded. Took a final exam and retuned to a mess. I did not have insurance and tried to dry out the car myself. Long term was terrible. You are doing it correctly. __________________ "Does the carpet match the drapes? NO!!! I don't date bald women." Nissan Motorsports 34R Oil Cooler. Stillen CBE. Hotchkis Sport Sway Bars. KW Variant 3 Coilover System. Stillen Gen3 CAI. Michelin Pilot Super Sport. Stillen Brake Ducts. Carbotech™ XP10/XP8 Pads. Z1 Front Rotors. Z1 Stainless Brake Lines. Two degrees of camber

10-12-2011, 03:59 PM	#11 (permalink)
Waiz A True Z Fanatic Join Date: Apr 2010 Location: SoCal Posts: 9,262 Drives: Z33 & GE8 Rep Power: 461	Just read the whole thread, best of luck OP!

10-12-2011, 08:52 PM	#12 (permalink)
PapoZalsa A True Z Fanatic Join Date: Nov 2009 Location: Not in Sunny Florida Posts: 6,358 Drives: 16 Nismo w/Tech Pack Rep Power: 4501	I still say that the insurance and financial company drop the ball. Hope everything is fix soon! __________________ 2009 370Z MB Base w/Sport Package 6MT Modshack's Custom Air Intakes /3M Clear Bra/ Illuminated Kick Plates / F. I CBE w/12" resonators / EVO-R Front Lip / Rear Hatch Wing / Tein S-Tech Springs /Ilegal Tint in the Rep. of VA/4x20mm Z1 Spacers/ Vinyl Roof/Liquid Carbon Designs

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