Is it a plumbers job to tell you what plumbing package is right for your house?

I don't disagree with you. Just adding perspective. But the progressive agent he/she got insurance from is not blameless. Even if he/she made a mistake and got the wrong insurance. Who walks in and says they want limited coverage on a 30-40 thousand dollar car? The first words out of my mouth as an agent would be "I recommend....".

In law paperwork talks. But, again, this is why I say he/she should switch insurance companies (and the poster is). State farm is a great choice. The agents from them have always been kind and informative to me. They make sure you understand fully what it is you are getting and not getting.

Do you know me in person? NO!!!

I'm not coming after ayone. However I had my share of discussions with different car insurances and finance companies about coveraged with financed vehicles throughtout the years that is why I have posted not my opinion but what they have told me.

This is now a dead discussion for me since now you want to make it personal!

There was a suggestion earlier in the thread that the OP bought his insurance from Progressive online and didn't have an agent. If the OP did buy his insurance from an agent, it's hard for me to imagine that that agent doesn't have a file on the insured, and in that file at the top of the heap is the declarations page. The declarations page tells the entire story. It clearly details what insurance the OP bought and exactly what coverage has and with what limits. Likewise, it's hard to imagine that his finance company doesn't have a copy of the declarations page. When the finance company asks the insurance company for proof of insurance, what the insurance company sends them is a copy of the declarations page. And of course, the insured gets a copy too. It's amazing to me that none of those three entities can produce that very basic, absolutely fundamental, insurance document, the introduction of which would literally eliminate this entire discussion.

I don't disagree that the primary role of the insurance agent, if the OP has one, is to guide the consumer in his/her insurance purchase. As a customer service, that's the point of their existence, IMHO. As you note, however, the insured is ultimately responsible for that purchase. If the agent gives bad advice, that doesn't automatically shift the burden to the insurance company he represents, it merely gives the insured legal recourse to sue the agent for his bad advice after the fact (if he can prove it) -- after the insured has already covered the loss himself. The only thing that matters is the paperwork.

That's not correct. But it's true I'm not willing to leap to the unproven conclusion that this is the insurance company's fault and that they're trying to screw him over. The fact that no one can produce documentation of exactly what insurance the OP bought is very, very unusual. I could produce that declarations page for virtually every insurance policy that I own in a matter of minutes. And if I can't, I am 100% certain that my (independant) insurance agent can.

Your suggestion that Progressive should just pay the claim is based on the assumption that he did buy a policy that covers the situation, yet no one...no one...can prove that he did.

No, don't know you in person. Perhaps I'm missing out!

This isn't personal and I suggest you calm down. ;)

There you go again,, suggesting I calm down? :bowrofl:

You both need to give each other a big hug.

Didn't you say "This is now a dead discussion for me since now you want to make it personal!"

So why are you posting again? ;)

Anyway, big hug to you fella. No need to calm down, just don't accuse me of making this personal. I don't care enough... :tup:

Any trained insurance agent SHOULD always recommend the best policy for each individual.
The agent will not be held responsible but people should always have a good knowledgeable agent.
I worked as an agent for 6 months (worst job ever) and knew this by the first week.
So in other words... yes.

Yea, i take responsibility for not checking or even keeping any documented material. Only thing i can do is move forward and learn from my mistake even thou i still believe i did purchase full coverage.

I am starting to think Z's and me dont get along...my 350z totaled on me too but i got my money back on that one. :confused:

Your attitude about this is impressive. I hope things workout for you! :tiphat:

I have had alot of people tell me if i dont stay positive and look forward in the situation, no matter what nothing else will help. So my next hope is the state.

Thanks! But the first 3 days are the worst because you cant think with a clear mind =/