Tuesday 1st of May 2018 11:41:34 AM
It seems like there is a whole lot of people here that have been "robbed", in my opinion, by the Progressive Auto Insurance company. But seriously... Who really cares??? Nothing will be done, and no person/company is ever held accountable. I hope that writing this gets to someone, and makes some kind of difference, but I seriously feel totally helpless, alone, and victimized by predatory charges.I just got off the phone from one of the most stressful conversations with numerous dead ends trying to understand how I'm now paying over $368/mo. for full coverage on a 2012 Ford Escape. Progressive has admitted to running a credit check, as well as add "points" to my driving record, in order to establish the new current rate. Mind you I've gone over 20 years without a citation, but within the last two years somehow managed to blast my good record to oblivion.In July 2016 I was pulling up to my house with my boat in tow. I guess I misjudged the distance and the trailer wheel fender caught the edge of my neighbor's vehicle and tore the plastic front bumper loose. I told them what happened and they encouraged me to NOT file a claim, that it was a small damage and we'd settle it ourselves. That was great advice let me tell you, but I wanted to handle it by the book so I called Progressive and it was taken care of. This minor mishap will end up costing way more than the $800 it costed to fix. (My neighbor voluntarily showed me all the quotes they got so I know this.) Progressive thought it should cost 4 points to my record, which is now showing up on my new policy renewal in August of 2018.Next, last December I was driving in Wisconsin on snowy roads and slipped off the road and hit a power pole. I was only traveling 20-25 mph but somehow totaled our 2009 Saab 97x, based on a quote from a local auto repair shop Progressive routinely works with. Progressive gave me 3 days to find a replacement vehicle. 3 days is all Progressive would pay for a rental car while I tried to find a replacement. It was Dec. 22, so Christmas would have been the day the rental coverage expired. After pleading for what felt like 25 minutes I got 5 days. I spent the next days leading up to Christmas frantically searching for a replacement based on the value they considered the Saab to be worth. I settled on a 2011 Ford Escape that I had to finance half of.Tonight I go to pay a credit card bill and my debit card is rejected. It turns out Progressive renewed my policy and ballooned my monthly charges to $368, which is up from $228/month (already stupid high in my book). Now I have a $35 NSF charge from my bank because the money wasn't there. Progressive blindsided me with the new charges last night.So I call them, and everyone knows how this goes I'm sure, I get transferred around to the wrong people, disconnected, and returned back to the automated main menu. After 4 attempts I'm directly asking for someone to answer questions regarding policy renewals. Lady tells me she can handle all questions. I ask her how they come up with the $368/mo and she keeps going on about 4 at fault accidents. It was like pulling teeth to get her to tell me enough information to even understand what they are, and honestly I still don't know. I clarified that the minor $800 incident with my neighbor's car cost 4 "Progressive points". Police were never involved. The other accident was charged 6 points for hitting the pole, and 4 points for leaving the scene. The 4th accident I have no idea?After asking over and over how we get to $368 she mentions something about a credit check. I said "wait a minute, you ran a credit check?" She says, "no that's not what I meant, we don't as far as I know," "as far as you know, or you don't?" She finally tells me they do in fact run a credit check and it's part of how they determine the rates. To be clear I asked "so if one has bad credit, you will charge more?" Yes! That's exactly how it works.On a side note, I was bitten by a cat and required rabies vaccinations, despite having health insurance I was charged around $6,000.00. Bills came from 7 different agencies/affiliates or whatever the hell they are, all somehow connected but not. I honestly did my best. I paid each $50/mo. for a few months all the while being harassed to agree to a payment plan, and told in fine print that even if I pay amounts less than the total that my credit would not remain in good standing. I called for help and they sent me a credit application to essentially take out a loan to repay them. The loan would of course be subject to interest. Within a month or two I was placed into collections. Each bill a separate entry, one for just $148!!! That's on my record for 7-10 years. But who cares? Anyway, back to Progressive. Since they do credit checks they no doubt found my recent misfortunes to be a perfect opportunity to pound me into submission further. They increase rates for those of us with less than perfect credit. What else could they raise rates for? They leave this out of their commercials on T.V.They should be telling you to drive like your life depends on it. A couple small mistakes (accidents) can change your whole life.So what does one do in this situation? Clearly I'm shopping for new insurance, but how can a company do this to people? It's so disgusting to beat a person while they're down. I can't afford an increase like this. I can barely afford things now. I'm a college graduate and a small business owner. I work very hard for a living. It wasn't a choice to have my credit affected, and I'm not a reckless driver. You wouldn't know that on paper. Not with Progressive. They talk to me like I'm a meaningless criminal, and they want to run me into the ground I swear. It's been a horrifying experience with them. I can't talk to anyone about it, my wife is fed up with me complaining about it. WTF!?! If I ran my small business anything like Progressive, treating customers like prey, how long would I last? God bless America.