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

Cyberium

I know it's not the smartest thing to take my car off insurance during the winter when it's in the garage, but my point is... Progressive shouldn't even let me do it when they know I still owe on it.

Progressive FTMFL

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urdeliveryguy

ouch .. i dunno what id do if i saw my car in that water. but atleast u have gap. my buddy destroyed a bran new s2k few years ago.. luckily he had gap, paid for everything.

PapoZalsa

Not only Progressive but any Insurance, is up to your financial institution because they are suppose to be notify by the insurance company if the car is financed.

One of my cars was garaged for 2 yrs while overseas and I needed an authorization to only have theft & fire protection from the Bank and my deductible to a $1,000.00.

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MacCool

Oh come on! Why in the world would Progressive give a flying fig about your finance company?

Insuring the car is YOUR responsibility, not your insurance company's.

edub370

Agreed 1000%. thats like saying its the cops fault for causing your accident cuz they didnt stop you from speeding...

i kno this is a shitty situation, and i feel for ya tho

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jayl

just read this today! very sad but fortunately for you now it seems the end might be close ... and the beginning to a new ....

good luck man!

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-Jay

christian370z

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.

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MacCool

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?