Complaint Review: Progressive

This is the crap I have to deal with. Driving on the 8 Freeway in San Diego, midweek rush hour 5pm traffic in 2005. I get rear ended, the driver has Progressive Insurance. They admit fault. Progressive pays $1800 for my car to be fixed and tells me to seek medical treatment if needed.

I go to a chiropractor, send them the bill of $5K, and they refuse to pay. They offer $2,500. I go in circles with Tracy from Progressive. I hire a lawyer and we are going to court, 2 years later. I've paid the bills already, trying to seek reimbursement.

I live in Seattle. I am flying to San Diego April 21st, to go to court now over the $5K bill from a car accident from over 2 years ago. I got an MRI who concluded I have a 3-4 mm protrusion in my low back at L4-5 with an annular tear. Still need to go to court.

I had a trip to Cabo booked this week, and now I need to spend my vacation suing Progressive over $2,500. My back still hurts, so it's worth the fight.

I'm not an idiot. I am an Executive with a Fortune 500 company. I am an ethical person, and if I feel I am entitled to the additional $2,500- I'll fight for it!! My friends, family, work are all involved. Thought I'd entertain you as well. Thanks for reading :)

Stay away from that company. It is hell trying to get reimbursed. Not worth the pain- back still hurts, getting friends involved. It's horrible!

So I'll be in court down in San Diego in 2 weeks, I'll let you know how it goes. Suing Progressive. They already admitted guilt. What a great fricking way to spend a vacation.

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Claim No.: 0442152XX

Dear XXX:

I have reviewed your case. There are several issues, or problem areas, with this case that just make any high dollar settlement not feasible.

The full amount of my initial evaluation is $2050, any additional consideration is minimal at best. No future care will be considered as we have causation concerns pertaining to your injuries and medical treatment as it is. The loss of earnings you submitted is so far removed from the date of loss that I cannot consider that as part of the settlement either.

Originally I considered only the treatment you received in San Diego as reasonable. In an effort to resolve this case I can give you the month of February for your medical treatment as well. However, I cannot give you the charges billed by Associated Chiropractic. Their bills are incredibly excessive. The supplies are included in the procedure charge and this facility billed $50 per treatment for supplies, they charged $108 for a procedure whose code indicates it's a 15 minute procedure. They also billed another $48 for manipulation. A standard chiropractic visit with several modalities generally runs around $90 per session, maybe $100, but definitely not $206-$223 per tx.

You had 5 tx in February. I will consider those 5 treatments at $100 per visit. The offer for full and final settlement is now $2500. You must realize I have to look at the severity of the impact, the nature of the treatment, the consistency of the treatment, whether or not the charges are reasonable, how your age and physical condition would affect your injury, medical documentation to support the healing process for an
injury of this nature.

Nothing in this claim or surrounding your diagnosed injury supports the medical treatment you received. This is the best I can do.

Sincerely,


Tracy Kaner-Hizon
On Behalf of Progressive Choice Insurance Company
(619) 692-2880

Gail
Seattle, Washington
U.S.A.