I don't think Progressive have local agents, most insurance companies nowdays do business by Internet and phone.

I never knew there was a local office for them, but i found out something interesting, my other 2 cars have the same policy options and were done at the same time, i kind of find it fishy that those 2 cars pull up fine but randomly this one isn't full coverage?

Usually when you talk to your insurance agent to add a car onto your insurance, they will ask you what kind of coverage you want, it could be possible that you declined full coverage at that time.

The bank will tell him to get Full Coverage or they will do it themself and add it to the car monthly payments.

Awful news, hope it works out in your favor. I have had USAA since 1994 and never had an issue with them.

Obviously they didn't cuz he's getting screwed over now for it.

This story is making my stomach turn. kayess, you have my heartfelt sympathies and I commend you for staying so calm.

:iagree:

Thanks semtex!

I keep getting the weezy sick feeling in my stomach when i think about the car...what makes it worst is when i wake up in the morning and the first thing i see are those volks sitting in my room....=/

Still no word from Progressive, waiting for my sister to come back in country next week to get more lawyer details and update. Someone was telling me to file a class act against the park and ride authorities for my loss and see if there are others who are in the same situation. I don't know how that would work out.

How is your car damage the fault of the people who own the parking lot?

I think one would have to prove that it was designed/built with improper drainage or something like that. Not saying I agree with suing the owners of the lot. Just saying that as far as proving liability/negligence goes, this is the only possibility that comes to mind. I doubt it'd stick though.

yeah - i think thats a long shot... this would be a force majeure.

I said the same thing, but the person who was telling me this stated that the area where all those cars flooded, that area flooded in the past as well and the people were suppose to be warned and prevented by county from parking there.

I have no intentions of doing, but when i was on this topic, some of the other people stated they had a patrol car parked there just for that purpose. If they did why would they let people park there? I don't blame them one bit because my issue is solely with Progressive, just a thought. I just want my z back or the money for a new one.

Twitter and Facebook are your friend. These companies HATE negative social media, I have had very good luck using this tactic in the past year or two. Granted this was for $100 items, but I was still shocked at how fast they wanted to quell the negative comments.

You can also try going through websites like jalopnik, autoblog, truthaboutcars.com etc and see if they could run a story about it. Even just threatening to go to them make get you some positive action from Progressive.

What if the insurance company is right, and the OP never did buy the comprehensive insurance that would cover him for flooding? I mean, they say he didn't (so far) and he can't prove otherwise. Presumption that he had comprehensive on the basis of his finance company requiring it isn't conclusive because they do make mistakes.

If he can't find his current declarations page, and he doesn't trust the insurance company's copy of the declarations page, and he doesn't have an agent and his finance company doesn't have a copy (they should), then slandering the company on social media with negative assertions that can't be proven....you don't see a problem with that?