Hang in there kayess. We are all pulling for you kid.

Sounds like things are turning your way.

Sounds promising! That's awesome! You may have already answered this, and if so i apologize! Question: Are you gonna get another Z?

I'd go with a gtr, but make SURE you have PROOF of collision and comp. :tup:

Good to hear man, good luck :tup:

Haha I wish, but adding my future plans, my budget will not allow me to =[

Well i was originally thinking of picking up a White or Black Nismo, but because i already have another 2seater, i could use a more seats. I havent decided fully yet, but im leaning towards a e92 m3 coupe in alpine white.

Thanks!!! I need all the luck i can get :tup:

So the insurance company has no responsibility in insuring you for the plan that you chose AND are paying for? It is the insurance company's duty to fulfill their end by providing the agreed services.

Yes, of course the insurance company has an obvious contractual obligation to provide the insured with the terms of the policy that he/she bought and paid for. I never said otherwise. They have NO obligation to be their customer's nanny and make sure he/she is buying the policy that their finance company requires. THAT requirement is between the car owner and the finance company. Two separate entities. The finance company sets forth the insurance requirements for the vehicle's driver, the insurance company is responsible only to the person paying for the policy. In Kayess' case, the point of contention is whether or not he actually bought the right policy that covers his damage. He says yes, the insurance company says no. The finance company doesn't care. Kayess is still obligated to pay for the car whether it's wet or dry.

As leinholder, the finance company can request that they get policy notifications, and they usually do. Usually. Sometimes they forget, and sometimes the insurance company forgets to forward the policy notifications to them. When the insurance company forgets, the leinholder will usually send a notice to the vehicle's driver to provide them with proof of insurance according to their requirements.

We're all responsible, mature adults, right? And as part of being a grown-up, we take responsibility for fulfilling all of our contractual obligations, right? Like our contractual obligation to keep the leinholder's vehicle insured?

*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.

Good luck, hope everything works out for you :tup:

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

Hang in there, man.

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.

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 :tup:

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. :tup:

That's for sure! :tiphat:

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.

Just read the whole thread, best of luck OP!

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

Hope everything is fix soon!

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!

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.

Bingo!

Not my well-being but at least they let me know the insurance requirements. I could it end up like the OP. The OP wouldn't not be in that mess if his insurance would it take care of him. Any insurance will take your money by the way, so that is a given.

However, whatever it was I prefer good customer service from my insurance than to be in a mess like the OP is. Which I hope he can get it fix.

*Update*

Sad news...=[

Progressive denied my claim stating that i lack evidence to prove i had full coverage. Lawyer suggested to follow up with the State claim first before going to the Insurance bureau vs. Progressive due to lack of evidence.

After speaking to the State Representative, taking in consideration of my situation, the state may honor my claim. They gave me a full set of directions i need to follow to submit the claim and get the ball rolling.

Now hopefully the state will come through unlike my insurance company...My claim should be going in the mail tomorrow, I have high hopes so lets see...

Wow stupid worthless progessive agents. Didn't even think to advise a client to get full coverage on a $40k car... But hey, you get what you pay for.

Hopefully everything works out

Sorry about your news :(

Regardless of whether you accidentally didn't have full coverage I would suggest leaving progressive and going with a more reputable company. Get a copy of the papers signed and keep it safe somewhere.

So...you think it's the insurance company's obligation to remind the insured to get appropriate insurance for the vehicle he bought? We're not taking about some esoteric insurance clause here...we're talking about basic comprehensive coverage. You think that an insurance agent bears some responsibility because he didn't remind the OP that his car might get stolen, catch fire, or get flooded? Seriously?

So far we've seen people in this thread trash the finance company for not making sure that Kayess was adequately insured, and now we see an opinion that it's the insurance company's fault. Sign of the times I guess. Personal responsibility for our actions and our lives is something that seems to be falling out of favor these days and there are several posters in this thread that illustrate that sad concept. Call me old fashioned, but I perceive that buying adequate insurance for my car and then retaining the proof that I have it as MY responsibility and no one else's.

I feel as bad for the OP as anybody in this thread, but I can think of several different ways this insurance debacle could have been avoided.

Kayess, I hope the state comes through for you. But remember the concept of them doing that next time you're tempted to complain about your taxes.

Yeah we have already shifted 2 of my cars which were close to the end 6 month term. Unfortunately i already paid for the z insurance till end of nov but will be going to state farm.

Lawyer told me not to lose hope, he says there are many options we have if the state claim fails so lets see.

MacCool, i understand, and i still believe that my paperwork was correct. But I don't have anything else to back it up, hence my lack of responsibility on that. They have still unable to explain that document but because they know i have no other supporting document..guess they didn't really care.

^Fingers crossed. Best of Luck.

well said.

you can leave at any time and they will refund you the unused portion. Plus, you don't really need it on the Z at this point do you, since its totalled? Sorry to hear the situation though.

:iagree:

So far you have nothing but negative things to say about the OP situation. When you have a business like an insurance company they should be there for the customer providing good Customer Service. That is what it makes or breaks a company "CUSTOMER SERVICE"!

I hope you never have to go thru a situation like the OP. :shakes head:

GL OP in your situation!

Oh wasn't aware of this, pulling it off tomorrow. The only problem is when we pull quotes for insurance they are requiring me to get full coverage because the car is on lien..which leads me to my next statement:

No one from the insurance company came out to look at the car...and currently has a clean title, I don't get how...

Everyone is pulling a clean title but i am not going to pay for full coverage for a car that hasn't been moved an inch.

*Thanks PapoZalsa!*

Did you even read MacCool's posts? Sorry, but you seem to be terribly mislead in how life works. Yeah, I'm sure that you'll come after me too now and that's fine with me. ;)

I wish the OP the best. :hello:

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. ;)