Subject: Re: Re: Re: Re: Terrible experience with Progressive Insurance

Comments:
: I've used a dozen or so insurance sites as an agent, and in the case of Progressive, as a customer. None of them have required me to verify that I indeed DID want to make the change I just made. I short, I'VE NEVER SEEN A POP UP. Doesn't matter whether I'm adding changing or deleting. There are NO prompts that say "Hey studid, sure you meant to change what you had before because you just did?" In other words they expect me, the consumer or agent to know what I'm doing and PAY ATTENTION. Your negligence is not Progressive's responsibility to be blunt. If you had particular levels of coverage and you go to replace a car, before you sign off you need to make sure you have the coverage you intended to have. The software is stupid, you are not. And by the way when you add replace or delete a car YOU ARE ACTIVELY CHANGING THE POLICY!!! Each car has specific symbols a VIN number etc, and the act of adding or replacing is a contract change in that it changes the details of the contract. : When you logged into the site with your login name and password, you told Progressive EXACTLY who you were. When you gave them the details of your credit card of checking account for payment, you were telling them exactly who you were. When you clicked I AGREE everytime you made a payment or make your initial down payment for the policy they asked you to verify that you did indeed want to make a payment and you are who you say you are. YOU DID ENTER INTO A LEGALLY BINDING CONTRACT. No one else has that information right? You wrote the policy, you made the changes, you're responsible. Did you read the whole disclaimer statement when you originally signed up with Progressive, or did you just automatically click YES I AGREE or words to that effect? Go back and read that. I guarantee it will be an eye opener as to just what you agreed to and SAID you understood. Those disclaimers were written by some of the best contract law minds out there, I guarantee it. They were DESIGNED FOR PEOPLE LIKE YOU. : I'm pretty damn tired of people blaming insurance companies and agents for their own lack of awareness and understanding. YOUR POLICY, YOUR RESPONSIBILITY. TAKE RESPONSIBILITY. : And keep in mind, if you choose to persue this that insurance companies run things called CLUE reports on AUTO and Homeowners applications. Things like settlements and the details of those settlements show up on a CLUE report. Few insurance companies are dying to insure someone who has a habit of suing anyone, let alone another insurance company. You could win in the short run and loose in the long run by way of increased premiums. Your traffic accident will go off your record but suing an insurance company won't go off your CLUE for a long time. : : : Thank you for your reply, but there are some inaccuracies. First, there is such a thing as "hit and run property damage" insurance through Progressive, at least in Oregon, and I was covered for it. It is separate from "hit and run personal injury." It is not the same as collision or comprehensive. You can look it up on their site online. Or I will email you a copy of my former policy. I have heard that separating hit-and-run insurance like this is unusual, but that is indeed what I had, not collision. My car was used, but not ten years old. Further, the damage amount did not total out my car. : : Second, contract law (which I have been learning a lot about!) explicitly states that the originator of the contract must be clear about the contents of the transaction. Legally, this is still somewhat a grey area in the internet for e-commerce agreements, but I have found some legal precedents to support my assertion that I had to actively make changes to my policy (which I never did) coverage to create a binding contract, or I had to receive adequate warning that changes to my policy would occur unexpectedly. : : Third, warnings and pop-up bars are indeed standard on websites, but perhaps I didn't explain what I was talking about well enough in my original email. By warning, I meant something in writing on the page alerting the consumer that insurance levels were automatically changing--since the transaction I clicked on was "replace" a vehicle, I was reasonable to believe that that was, indeed the only transaction occurring. By pop-up warning, I meant one of the pop-up bars common to any online transaction that alerts the customer when something unusual is happening, such as "Your insurance coverage levels are changing. Click 'OK' to proceed." These are in fact extremely commonplace across the internet, and I am sure I can find some examples to post if you would like a better explanation. : : Once again, thank you for your reply. I've done quite a bit more research since my first post, and I feel confident that a judge will agree that I did not click "confirm" on a binding contract to change my coverage, particularly since I was never sent any forms to sign (as I was when I initially signed up with Progressive). Since this was not a binding contract, I should still have been covered under the grace period of my former policy. I feel very empowered by everything I have learned, and am confident that this situation will work out, despite the frustration. I am certainly a far more educated consumer regarding insurance, and I now have a policy with three times as much coverage for less money from a company that has almost no complaints filed against it in the state, unlike Progressive. : : Once again, thanks for your input, and Happy Holidays!

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