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

semtex · 10-13-2011, 09:42 AM

Quote:

Originally Posted by PapoZalsa

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.

MacCool · 10-13-2011, 10:15 AM

Quote:

Originally Posted by semtex

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?

Bingo!

PapoZalsa · 10-13-2011, 10:31 AM

Quote:

Originally Posted by semtex

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.

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.

kayess · 10-20-2011, 05:13 PM

*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...

anthonyy · 10-20-2011, 05:36 PM

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

Gauge · 10-20-2011, 05:37 PM

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.

MacCool · 10-20-2011, 05:49 PM

Quote:

Originally Posted by anthonyy

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

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.

kayess · 10-20-2011, 05:52 PM

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.

FairladyZ10PG · 10-20-2011, 05:56 PM

Quote:

Originally Posted by kayess

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.

^Fingers crossed. Best of Luck.

sucasa · 10-20-2011, 07:27 PM

Quote:

Originally Posted by MacCool

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.

well said.

Mike · 10-20-2011, 08:21 PM

Quote:

Originally Posted by kayess

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.

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.

onzedge · 10-20-2011, 08:53 PM

Quote:

Originally Posted by Gauge

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.

PapoZalsa · 10-20-2011, 09:04 PM

Quote:

Originally Posted by MacCool

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 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.

GL OP in your situation!

kayess · 10-20-2011, 09:07 PM

Quote:

Originally Posted by Mike

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.

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!*

11Thumper · 10-20-2011, 09:13 PM

Quote:

Originally Posted by PapoZalsa

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.

GL OP in your situation!

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.

10-20-2011, 05:37 PM	#186 (permalink)
Gauge Track Member Join Date: Sep 2011 Location: Madison WI Posts: 867 Drives: 2012 370Z Nismo PW Rep Power: 14	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. __________________ I am a demon bolt slayer.

10-20-2011, 05:52 PM	#188 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 14	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. Last edited by kayess; 10-20-2011 at 05:55 PM.

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10-20-2011, 05:13 PM	#184 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 14	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...

10-20-2011, 05:36 PM	#185 (permalink)
anthonyy A True Z Fanatic Join Date: Apr 2011 Location: Los Gatos, CA Posts: 1,027 Drives: Lexus CT Rep Power: 16	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