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

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...

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.

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.

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

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.

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.

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!

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.

PapoZalsa · 10-21-2011, 07:56 AM

Quote:

Originally Posted by 11Thumper

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.

Do you know me in person? NO!!!

I'm not coming after ayone. However I had my share of discussions with different car insurances and finance companies about coveraged with financed vehicles throughtout the years that is why I have posted not my opinion but what they have told me.

This is now a dead discussion for me since now you want to make it personal!

MacCool · 10-21-2011, 08:57 AM

Quote:

Originally Posted by PapoZalsa

So far you have nothing but negative things to say about the OP situation.

That's not correct. But it's true I'm not willing to leap to the unproven conclusion that this is the insurance company's fault and that they're trying to screw him over. The fact that no one can produce documentation of exactly what insurance the OP bought is very, very unusual. I could produce that declarations page for virtually every insurance policy that I own in a matter of minutes. And if I can't, I am 100% certain that my (independant) insurance agent can.

Your suggestion that Progressive should just pay the claim is based on the assumption that he did buy a policy that covers the situation, yet no one...no one...can prove that he did.

Gauge · 10-21-2011, 07:51 AM

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?

Is it a plumbers job to tell you what plumbing package is right for your house?

I don't disagree with you. Just adding perspective. But the progressive agent he/she got insurance from is not blameless. Even if he/she made a mistake and got the wrong insurance. Who walks in and says they want limited coverage on a 30-40 thousand dollar car? The first words out of my mouth as an agent would be "I recommend....".

In law paperwork talks. But, again, this is why I say he/she should switch insurance companies (and the poster is). State farm is a great choice. The agents from them have always been kind and informative to me. They make sure you understand fully what it is you are getting and not getting.

MacCool · 10-21-2011, 08:27 AM

Quote:

Originally Posted by Gauge

Is it a plumbers job to tell you what plumbing package is right for your house?

I don't disagree with you. Just adding perspective. But the progressive agent he/she got insurance from is not blameless. Even if he/she made a mistake and got the wrong insurance. Who walks in and says they want limited coverage on a 30-40 thousand dollar car? The first words out of my mouth as an agent would be "I recommend....".

In law paperwork talks. But, again, this is why I say he/she should switch insurance companies (and the poster is). State farm is a great choice. The agents from them have always been kind and informative to me. They make sure you understand fully what it is you are getting and not getting.

There was a suggestion earlier in the thread that the OP bought his insurance from Progressive online and didn't have an agent. If the OP did buy his insurance from an agent, it's hard for me to imagine that that agent doesn't have a file on the insured, and in that file at the top of the heap is the declarations page. The declarations page tells the entire story. It clearly details what insurance the OP bought and exactly what coverage has and with what limits. Likewise, it's hard to imagine that his finance company doesn't have a copy of the declarations page. When the finance company asks the insurance company for proof of insurance, what the insurance company sends them is a copy of the declarations page. And of course, the insured gets a copy too. It's amazing to me that none of those three entities can produce that very basic, absolutely fundamental, insurance document, the introduction of which would literally eliminate this entire discussion.

I don't disagree that the primary role of the insurance agent, if the OP has one, is to guide the consumer in his/her insurance purchase. As a customer service, that's the point of their existence, IMHO. As you note, however, the insured is ultimately responsible for that purchase. If the agent gives bad advice, that doesn't automatically shift the burden to the insurance company he represents, it merely gives the insured legal recourse to sue the agent for his bad advice after the fact (if he can prove it) -- after the insured has already covered the loss himself. The only thing that matters is the paperwork.

anthonyy · 10-21-2011, 03:21 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?

Any trained insurance agent SHOULD always recommend the best policy for each individual.
The agent will not be held responsible but people should always have a good knowledgeable agent.
I worked as an agent for 6 months (worst job ever) and knew this by the first week.
So in other words... yes.

10-20-2011, 05:37 PM	#4 (permalink)
Gauge Track Member Join Date: Sep 2011 Location: Madison WI Posts: 867 Drives: 2012 370Z Nismo PW Rep Power: 16	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.

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10-20-2011, 05:13 PM	#3 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 16	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	#6 (permalink)
anthonyy A True Z Fanatic Join Date: Apr 2011 Location: Los Gatos, CA Posts: 1,027 Drives: Lexus CT Rep Power: 18	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