Hey Geico, Progressive STFU!

[raffin]

Sadly, this is not an insurance company issue. Since the guy allowed his coverage to lapse, they were well within their rights to deny coverage at that time.

You (or, more likely, your homeowners insurance company) can sue the ex-progressive customer.

Not exactly. Some (most?) insurance companies have a "grace period" where you have 15 to 30 days to pay up before your policy is cancelled. Progressive doesn't even give a 1 day grace period and if your payment is late you have to pay an additional fee to reinstate your policy. The information we got is that his payment was at most 2 to 3 days late. It is apparently their corporate policy to handle late payments this way and is probably why you pay less for their insurance.

We didn't have to sue to get our deductible back. When he had his court appearance for reckless driving and destruction of property, he was given the choice to pay up or go to jail. He paid the amount of our deductible and our neighbor's deductible via credit card. I'm not sure if our insurance company went after him for the rest of it or not.

 

[its phillip]

I found that USAA and NJ Manufacturers are pretty comparable if your record is squeaky. NJM will rip you like any other company if your record isn't up to snuff.

Is that after the additional discounts you get with usaa for having other services with them - banking, credit cards, life insurance, homeowners insurance, length of membership, etc? If so, that's pretty awesome. I guess it doesn't help me if it's an NJ only thing...I didn't look em up and find out though :/

 

[markw]

Sucky as it sounds, you've just made my point for me.

Not exactly. Some (most?) insurance companies have a "grace period" where you have 15 to 30 days to pay up before your policy is cancelled. Progressive doesn't even give a 1 day grace period and if your payment is late you have to pay an additional fee to reinstate your policy. The information we got is that his payment was at most 2 to 3 days late. It is apparently their corporate policy to handle late payments this way and is probably why you pay less for their insurance.

We didn't have to sue to get our deductible back. When he had his court appearance for reckless driving and destruction of property, he was given the choice to pay up or go to jail. He paid the amount of our deductible and our neighbor's deductible via credit card. I'm not sure if our insurance company went after him for the rest of it or not.

Apparantly, it IS their policy and, while a bit cheezy, it's perfectly legal if it's universally applied. It's unfortunate that he had the accident when he lapsed that long on his payments then.

I still think Flo is hot, though. It's that pale, goth, Italian thing I think.

 

[ParadigmDawg]

I still think Flo is hot, though. It's that pale, goth, Italian thing I think.

Agree........................

 

[raffin]

Apparantly, it IS their policy and, while a bit cheezy, it's perfectly legal if it's universally applied. It's unfortunate that he had the accident when he lapsed that long on his payments then.

Perfectly legal, but the point is why would anyone buy a policy from Progressive knowing that is how they choose to conduct business?

I still think Flo is hot, though. It's that pale, goth, Italian thing I think.

 

[markw]

Dunno, but consider this...

Perfectly legal, but the point is why would anyone buy a policy from Progressive knowing that is how they choose to conduct business?

Do you have any idea how many people get auto insurance just to get an insurance card? In this state, plenty.

That means they make the minimum payment, get the card, and then don't bother paying the rest of the premiums. That way, if a cop stops them and asks for the big three (license, insurance and registration, please), they are covered even if the insurance lapsed.

Now, perhaps that's the case here? If he was a long-standing customer of progressive, maybe they would have granted him a little leeway, but I don't think either of us can make any assumptions here. And, being an "Internet only" company makes it even more difficult to know a guy's intention.

 

[Stereodude]

Perfectly legal, but the point is why would anyone buy a policy from Progressive knowing that is how they choose to conduct business?

Insurance companies are in the business of making it as hard as possible to get money out of them as they can make it. If there's a legal way for them to not pay you, they're going to take that avenue every time, and it's not just Progressive. There's probably not a single insurance company out there that would have covered the actions of someone who didn't have insurance.

 

[Gizmologist]

Cavemen

I wish the troglodyte that created the cavemen characters would get lost in a cave. And the idea some moron had to make a TV show out of them was even more asinine. They STILL show up from time to time and are NEVER even slightly funny. Flo is fine IMO.

 

[aberkowitz]

I hate the car insurance game. I was with All State for 20 years and always thought I had a decent rate. When I got married the wife switched us to Progressive and now both cars are the same cost that I was paying for just mine. All Sate then called me and said they could match the rate Progressive gave us, I said "so you have been screwing me for 20 years and now you can all the sudden decrease my rate...no thanks".

In a weird way, I think Flo is hot...

Some of that also comes from being married. Insurance costs less for married men as compared to unmarried men.

 

[MDS]

So people are down on the Geico and Progressive commercials but what about the new Allstate commercials? I think they are pretty funny.

What I don't think is funny though is the fact that both my homeowners and auto policies get more expensive every year. I'm finally coming around to the idea that the longer you stay with any particular company, the higher your rates will go. When you switch, the new company will undercut the competition to get you and then after a few years your rates go up with them too. I'll be shopping around this month for auto insurance because I should pay far less than I currently do.

As far as the hassles with getting an insurance company to pay a legitimate claim, that is par for the course. Last year we had back to back hail storms within a month and practically every house in the entire neighborhood suffered roof damage. Allstate wanted to replace just the West and South portions of the roof (a tactic the roofers call 'sloping' the roof). Had to get a second adjuster and have them meet with the roofer to sort it all out. I did get a new roof, but it took a good six weeks before the job could be done.

 

[Stereodude]

So people are down on the Geico and Progressive commercials but what about the new Allstate commercials? I think they are pretty funny.

Well, I think they're pretty clever so far.

What I don't think is funny though is the fact that both my homeowners and auto policies get more expensive every year. I'm finally coming around to the idea that the longer you stay with any particular company, the higher your rates will go. When you switch, the new company will undercut the competition to get you and then after a few years your rates go up with them too. I'll be shopping around this month for auto insurance because I should pay far less than I currently do.

That's odd, my insurance rates haven't gone up over time. On the other hand, they haven't gone down either as the cars age and continue to be worth less each year either though.

 

[raffin]

Do you have any idea how many people get auto insurance just to get an insurance card? In this state, plenty.

That means they make the minimum payment, get the card, and then don't bother paying the rest of the premiums. That way, if a cop stops them and asks for the big three (license, insurance and registration, please), they are covered even if the insurance lapsed.

Now, perhaps that's the case here? If he was a long-standing customer of progressive, maybe they would have granted him a little leeway, but I don't think either of us can make any assumptions here. And, being an "Internet only" company makes it even more difficult to know a guy's intention.

Well aware, but I don't think the people your speaking of read this forum.

I know for a fact he was a long standing Progressive customer and his payment was at most 3 days late.

Didn't mean for this to turn agumentative, just trying to make people aware...

 

[markw]

Well aware, but I don't think the people your speaking of read this forum.

I know for a fact he was a long standing Progressive customer and his payment was at most 3 days late.

Didn't mean for this to turn agumentative, just trying to make people aware...

You know for a fact he was a long-standing progresive customer?

Bad timing on his part then. Sounds like he dropped the check in the mail the day he had the accident. Looks like he gave them a great reason to deny paying your claim then.

Just be glad your homeowners insurance was up to date...

 

[Rickster71]

I know for a fact he was a long standing Progressive customer and his payment was at most 3 days late.

I wonder how often Progressive uses that excuse.

 

[jeffsg4mac]

I would not say Flo was hot, but would I? Yeah I probably would. If I were not married of course

 

[gmichael]

I would not say Flo was hot, but would I? Yeah I probably would. If I were not married of course

How many beers first?

 

[markw]

How many beers first?

For her or for Jeff?

 

[gmichael]

For her or for Jeff?

You would do Jeff?

I'd need a case of beer, 3 bottles of JD, 4 oz of mother nature, and a kick in the head from a pissed of mule.

 

[markw]

You would do Jeff?

I'd need a case of beer, 3 bottles of JD, 4 oz of mother nature, and a kick in the head from a pissed of mule.

C'mon now. We all know you'd pay off the mule...

 

[gmichael]

C'mon now. We all know you'd pay off the mule...

Marisa hates it when I call her that.