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

semtex · 09-13-2011, 11:41 AM

Quote:

Originally Posted by MacCool

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.

kayess · 09-13-2011, 11:54 AM

Quote:

Originally Posted by MacCool

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

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.

Quote:

Originally Posted by semtex

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.

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.

RandyD · 09-13-2011, 11:44 AM

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

Pushing_Tin · 09-13-2011, 01:45 PM

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.

MacCool · 09-13-2011, 03:11 PM

Quote:

Originally Posted by Pushing_Tin

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?

kayess · 09-13-2011, 03:39 PM

Quote:

Originally Posted by MacCool

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?

I fully understand what your saying, but the fact that i received this confirmation page means i did setup for full coverage and was under the impression that's what i purchased. Progressive wouldn't send me this for no reason.

Now me not checking myself after i started paying is my fault, i agree. I don't have any intentions to slander them on social media but because i know what i initially bought and have some proof of it, i know there was an error on their end.

*Update, next Thursday one of their rep's is coming to meet me in person to discuss the claim and the information i received in May.*

semtex · 09-13-2011, 03:47 PM

Quote:

Originally Posted by kayess

I fully understand what your saying, but the fact that i received this confirmation page means i did setup for full coverage and was under the impression that's what i purchased. Progressive wouldn't send me this for no reason.

Now me not checking myself after i started paying is my fault, i agree. I don't have any intentions to slander them on social media but because i know what i initially bought and have some proof of it, i know there was an error on their end.

*Update, next Thursday one of their rep's is coming to meet me in person to discuss the claim and the information i received in May.*

Have a lawyer with you.

Mike · 09-13-2011, 08:56 PM

Quote:

Originally Posted by semtex

Have a lawyer with you.

it will be well worth the money it costs to do this, I totally agree. At least if not a lawyer, a disinterested third party that will be thinking clearer than you may be.

Good Luck, this really stinks

Pushing_Tin · 09-14-2011, 01:29 AM

Quote:

Originally Posted by MacCool

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?

First off it would be libel not slander. Second I don't know all of the details, but these companies are in the business of making money, not doing the right thing or helping the little guy out. Obviously this was a terrible situation and even if it was a simple paperwork "mistake" they could step up and earn a customer for life, or they could throw him under the bus and run the risk of a lot of negative publicity. The squeaky wheel gets the grease, and that's the way business is done these days.

MacCool · 09-14-2011, 07:52 AM

Quote:

Originally Posted by Pushing_Tin

First off it would be libel not slander. Second I don't know all of the details, but these companies are in the business of making money, not doing the right thing or helping the little guy out. Obviously this was a terrible situation and even if it was a simple paperwork "mistake" they could step up and earn a customer for life, or they could throw him under the bus and run the risk of a lot of negative publicity. The squeaky wheel gets the grease, and that's the way business is done these days.

Thanks for the correction. What if the insurance company is right, and the OP never did buy comprehensive insurance? Are you still gonna try to take Progressive to the woodshed?

Are you saying that they should just give him the money whether he paid for the coverage or not? Just to be nice guys?

Gauge · 09-14-2011, 08:26 AM

Quote:

Originally Posted by MacCool

Thanks for the correction. What if the insurance company is right, and the OP never did buy comprehensive insurance? Are you still gonna try to take Progressive to the woodshed?

Are you saying that they should just give him the money whether he paid for the coverage or not? Just to be nice guys?

It's hard to tell as none of us were there. I've seen progressive try to mess with some of my RL friends though, so I'm a bit bias. It's just fishy that you kinda need full coverage to drive off the lot, and now progressive is saying the poster never had it. But maybe he/she never did.

I don't think anyone here is hiding our burning desire to blame progressive lol. But you could be right. Especially since the poster can't find the papers he/she needs.

In order for this to happen the financier, The insurance Company, and the poster would have had to make a mistake the day it was drove off the lot. I would like to think someone would have caught it.

We'll see how it pans out. I still recommend having a lawyer. Even if they do decide to settle out of court, the poster will get more money with a lawyer present.

Pushing_Tin · 09-14-2011, 01:34 PM

Quote:

Originally Posted by MacCool

Thanks for the correction. What if the insurance company is right, and the OP never did buy comprehensive insurance? Are you still gonna try to take Progressive to the woodshed?

Are you saying that they should just give him the money whether he paid for the coverage or not? Just to be nice guys?

I'm just throwing in my two cents. It is MY OPINION, that if he OP originally had full coverage, and at some point there was a some sort of mixup Progressive should do the right thing and cover the vehicle. If he never had full coverage to begin with the OP should have noticed and called them to correct the issue. If this were my car that's how I would feel and handle the situation.

Quote:

Originally Posted by kayess

I looked at the charges and paper print out matches, my payments are $120 a month. Gap insurance was bought through Nissan, so i guess that would be the bank? And yes i have all the paper work from nissan which shows i purchased gap.

I've never had gap before, but I would assume that part of that insurance clause is having full coverage to begin with..?

RandyD · 09-13-2011, 04:10 PM

^ agreed - there is probably a way to figure out what you were paying for based on your premiums.

MacCool · 09-13-2011, 04:13 PM

...but as I mentioned, check with your finance company to find out if they have any info on your insurance status.

PapoZalsa · 09-13-2011, 08:00 PM

Quote:

Originally Posted by MacCool

...but as I mentioned, check with your finance company to find out if they have any info on your insurance status.

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09-13-2011, 11:44 AM	#3 (permalink)
RandyD A True Z Fanatic Join Date: Mar 2011 Location: Potomac Falls, VA Posts: 2,977 Drives: 2010 370z 7AT Roadst Rep Power: 22	yeah - i think thats a long shot... this would be a force majeure.

09-13-2011, 01:45 PM	#4 (permalink)
Pushing_Tin A True Z Fanatic Join Date: Nov 2008 Location: Eugene, OR Posts: 2,875 Drives: E63 AMG Rep Power: 229	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.

09-13-2011, 04:10 PM	#13 (permalink)
RandyD A True Z Fanatic Join Date: Mar 2011 Location: Potomac Falls, VA Posts: 2,977 Drives: 2010 370z 7AT Roadst Rep Power: 22	^ agreed - there is probably a way to figure out what you were paying for based on your premiums.

09-13-2011, 04:13 PM	#14 (permalink)
MacCool A True Z Fanatic Join Date: Apr 2011 Location: Midwest Posts: 1,349 Drives: 370Z PW 2014 Rep Power: 18	...but as I mentioned, check with your finance company to find out if they have any info on your insurance status.