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

Gauge · 09-10-2011, 10:42 PM

This is just criminal. Insurance companies, especially ones as large as progressive, are terrible with stuff like this. Horror stories like this are all abound.

Take their asses to court, judges hate these insurance moguls because they are constantly trying to get over on the consumer.

This is why I have state farm. They have always gone above and beyond for me, they never even ask questions when I call them, they just say "I'm so sorry sir, we will take care of everything", and then they do.

I say take em to court and sue for emotional damages for the stress induced by them refusing to pay for the car. Your car was just ruined, the last thing you need is your insurance company dumping you.

MacCool · 09-12-2011, 07:35 AM

Quote:

Originally Posted by Gauge

This is just criminal. Insurance companies, especially ones as large as progressive, are terrible with stuff like this. Horror stories like this are all abound.

Take their asses to court, judges hate these insurance moguls because they are constantly trying to get over on the consumer.

This is why I have state farm. They have always gone above and beyond for me, they never even ask questions when I call them, they just say "I'm so sorry sir, we will take care of everything", and then they do.

I say take em to court and sue for emotional damages for the stress induced by them refusing to pay for the car. Your car was just ruined, the last thing you need is your insurance company dumping you.

Back up a sec...

On my auto insurance policy, the first page is the declaration page. It clearly defines what the policy is, what the limits are, and what it covered. There's no fine print about it. They send me a new one every 6 months. Proving "comprehensive" or "other than collision" coverage is a simple matter. The company has a record of it, I have a record of it. Damage due to fire/theft/flood is not in the "fine print", it's in the coverage description in big bold letters under the heading "Comprehensive Coverage - What is covered". This isn't a case of Progressive trying to get out of coverage by "redefining" what is covered, it's a matter of whether the OP actually bought the coverage.

It's true that most finance companies/banks, and leasing companies require some sort of comprehensive coverage, but not all do, and they don't always check, and if they do they often miss stuff like that.

Everybody wants to jump on the insurance company here. I'm no big fan either and I'm very sympathetic to the OP's loss, but his difficulty in coming up with proof of comprehensive coverage is telling. Most current declaration page. It's all he needs. Or all they need.

PapoZalsa · 09-12-2011, 07:58 AM

Quote:

Originally Posted by MacCool

Back up a sec...

On my auto insurance policy, the first page is the declaration page. It clearly defines what the policy is, what the limits are, and what it covered. There's no fine print about it. They send me a new one every 6 months. Proving "comprehensive" or "other than collision" coverage is a simple matter. The company has a record of it, I have a record of it. Damage due to fire/theft/flood is not in the "fine print", it's in the coverage description in big bold letters under the heading "Comprehensive Coverage - What is covered". This isn't a case of Progressive trying to get out of coverage by "redefining" what is covered, it's a matter of whether the OP actually bought the coverage.

It's true that most finance companies/banks, and leasing companies require some sort of comprehensive coverage, but not all do, and they don't always check, and if they do they often miss stuff like that.

Everybody wants to jump on the insurance company here. I'm no big fan either and I'm very sympathetic to the OP's loss, but his difficulty in coming up with proof of comprehensive coverage is telling. Most current declaration page. It's all he needs. Or all they need.

No financial institution will let you go without FULL COVERAGE insurance on your car. So in this case must be a big misunderstanding in paperwork by somebody.

All financial institution will check your insurance coverage and will let the owner know if he is not in compliance with the terms of FULL COVERAGE, becasue it happened to me before and I had to call the insurance company for them to fix there mistake.

MacCool · 09-12-2011, 09:45 AM

Quote:

Originally Posted by PapoZalsa

No financial institution will let you go without FULL COVERAGE insurance on your car. So in this case must be a big misunderstanding in paperwork by somebody.

All financial institution will check your insurance coverage and will let the owner know if he is not in compliance with the terms of FULL COVERAGE, becasue it happened to me before and I had to call the insurance company for them to fix there mistake.

The financial institutions make mistakes too. Including overlooking a lack of comprehensive coverage. Four years ago, my wife was leasing a Tahoe through GMAC. The insurance policy transfer got screwed up (agent screwup) and after the 30-day automatic new-car carryover, that vehicle was totally uninsured for almost a year before my insurence agent finally caught it. GMAC sure didn't.

Gauge · 09-12-2011, 08:48 AM

Quote:

Originally Posted by MacCool

Back up a sec...

On my auto insurance policy, the first page is the declaration page. It clearly defines what the policy is, what the limits are, and what it covered. There's no fine print about it. They send me a new one every 6 months. Proving "comprehensive" or "other than collision" coverage is a simple matter. The company has a record of it, I have a record of it. Damage due to fire/theft/flood is not in the "fine print", it's in the coverage description in big bold letters under the heading "Comprehensive Coverage - What is covered". This isn't a case of Progressive trying to get out of coverage by "redefining" what is covered, it's a matter of whether the OP actually bought the coverage.

It's true that most finance companies/banks, and leasing companies require some sort of comprehensive coverage, but not all do, and they don't always check, and if they do they often miss stuff like that.

Everybody wants to jump on the insurance company here. I'm no big fan either and I'm very sympathetic to the OP's loss, but his difficulty in coming up with proof of comprehensive coverage is telling. Most current declaration page. It's all he needs. Or all they need.

I'm not saying it's not the owners fault. I suppose the poster could be wrong and made a mistake themselves. But I'm inclined to believe the poster who has paperwork in hand over a company as bad as progressive. As well I'm looking at financing a Z Nismo and I'm pretty sure you need full to drive off the lot.

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09-10-2011, 10:42 PM	#1 (permalink)
Gauge Track Member Join Date: Sep 2011 Location: Madison WI Posts: 867 Drives: 2012 370Z Nismo PW Rep Power: 16	This is just criminal. Insurance companies, especially ones as large as progressive, are terrible with stuff like this. Horror stories like this are all abound. Take their asses to court, judges hate these insurance moguls because they are constantly trying to get over on the consumer. This is why I have state farm. They have always gone above and beyond for me, they never even ask questions when I call them, they just say "I'm so sorry sir, we will take care of everything", and then they do. I say take em to court and sue for emotional damages for the stress induced by them refusing to pay for the car. Your car was just ruined, the last thing you need is your insurance company dumping you.