Complaint Review: Progressive Max Insurance Company - Mayfield Village Ohio

I work for an Insurance Company in Utah & have heard horror stories like this before. The law states that the policy holder can cancel at any time - FOR ANY REASON. Progressive can short rate you, which is charging you a percentage of the remaining premium that would have been owed, but they can't charge you the entire amount. Also, they should not be listing a 15 yr old, that does not have a license as a driver. PLEASE, PLEASE, PLEASE - report this to the Insurance Commissioner. It's company's that do these kinds of things, that give good companys a bad reputation.

As an account executive (agent) for a large insurance agency (I deal with numerous companies yes even the one in question) I would advise you to file a complaint with the Department of Insurance. When you send your letter send the Progressive declarations page as well as new auto policy that you got to replace the Progressive policy, by doing this you are showing the Department that you replaced coverage for the autos in question and that you should not have a bill for earned premium as the autos was already covered under a separate auto policy. Once the Department gets involved you should see things move rather quickly. Most likely what will happen with Progressive is that they will cancel the Progressive policy back to the date that you replaced coverage. You may have signed a 6 month contract but that contract clearly states that you or the company can amend, cancel or change your coverage at any time. From dealing with Progressive I have seen where they automatically add the young driver to the insured's policy causing large premiums and angry clients. You can exclude the driver and if someone tells you there is no charge for this they have clearly lied to you. The state that I live in surcharges for any exclusions because the company actually looks at an excluded driver as a great risk. You can place a hold on the collection debt as well or you should be able to, that way it keeps the information from hitting your credit report until resolved. Hope this helps - Good luck in your battle. In the future retain a good knowledgeable insurance agent so that if you ever have a problem like this in the future he or she can do all the foot work and make all calls as well as have documents on file.

Your company stated, "This isn't an uncommon scenario in the auto insurance industry." I disagree; my current carrier isn't forcing me to insure my daughter and has never tried to add her to my policy. Your company "Progressive" did not give me this option or choice. Your company forced your coverage upon me. Remember, I called your office and complained about this and you representative stated I HAD TO COVER HER! I had no choice that's why I cancelled. This is the reason why you are now trying to collect for a policy of coverage for my daugther that was never ordered by me through this outside collection agency. You know that is a big lie! Your hired collection agency has even threatened and did mark my credit record as unpaid premium. How dare you lie and make lame excuses for you company. Your companies policies suck and just to prove it where is my copy of the policy? I never received anything from your company other than an insurance card, debit charge, fraudulent bill, and a collection agency letter. You don't even have a signed contract by me on file with your company, do you? Answer the questions, stop avoiding them and making excuses. Companies like yours lobby our Senators and Representatives to make laws for you, with the exception of a few states (Idaho and others). These laws in turn cost the consumer more money for insurance. Companies like yours make huge profits, while the working person has to get two or three jobs just to support your CEO's, CFO's, and other executive officers lavish lifestyles. Tell you what, why you and the people that work for your company get a real jobs, stop ripping people off and living off the backs of hard working Americans? Laurence Shames wrote a book about people and companies like yours, in one his quotes he stated, Americans have been somewhat backward in adopting values, hopes, ambitions that have to do with things other than more. In America, a sense of quality has lagged far behind a sense of scale. The ethic of decency has been upstaged by the ethic of success. If the supply of more went on forever, perhaps that wouldn't matter very much, but there have been ample indications over the past two decades that we are running out of more (The More Factor, Shames). Companies like yours are breaking the backs of Americans little by little, until the consumer don't have anymore to give. You know what will happen if companies like yours keep doing this? Companies like yours are going to cause a depression. Think about it, gas cost more, food cost more, housing cost more, insurance cost more, but I still make the about the same amount of money I did 10 years ago. I think the majority of Americans would agree with me. You also stated, You bought a 6 or 12 month policy, your payment arrangements may be monthly in nature, but regardless, you signed a contract for a 6 or 12 month policy. It's the equivalent of signing a 12 month lease and then moving out on the 15th day of the 4th month without notice and demanding half of your monthly rent back. For your and your companies information, I bought a month to month policy and paid 3 months premiums up front, which I was only required to pay two months up front. You also stated that I signed a contract, well can you show the Better Business Bureau, the Federal Trade Commission, Ripoffreport.com, or me this contract that I signed? Well, can you punk? You're probably still wet behind the ears and just a yes man, huh? Don't try to twist the subject to you benefit. Answer the questions. You can't answer the question, can you? I advised any Americans that need any type of insurance to avoid doing business with companies like yours! If you would ever need to use the policy, god forbid, because of an accident you might find yourself out on a limb without insurance and a bunch of excuses for no coverage. Boycott Progressive!

This isn't an uncommon scenario in the auto insurance industry. Policies require that anyone of driving age living in your household be listed. If your carrier finds out that they are living there, they will add your kids. This is neccessary to obtain the correct premium for the risk. If the child is 15, and you can obtain a permit at 15, then they are of legal driving age. The reason for this: Kids do drive their parents cars! There is a way around it, if you want to list them on the policy as an excluded driver, it doesn't effect the rates, but they won't be covered. As far as the billing issue, it seems you misunderstood. When you look at your bills, notice it lists the full amount for a 6 or 12 month policy. You bought a 6 or 12 month policy, your payment arrangements may be monthly in nature, but regardless, you signed a contract for a 6 or 12 month policy. It's the equivalent of signing a 12 month lease and then moving out on the 15th day of the 4th month without notice and demanding half of your monthly rent back. Not going to happen. But are they going to come after you for the amount you're contractually obligated to pay? You better believe it. A lot of times, your carrier will just rip it out of your debit account if you have auto pay set up. Some states have passed legislation that limits the amount they are able to collect on, so it may not be 100% of the full premium, however they can collect a percentage just about anywhere. Legislators are reluctant to stop carriers from collecting premiums in this manner because it deters people from dropping their coverage on a whim and driving around uninsured. Again, if she's not driving, exclude her from the policy with your new carrier, it won't change the rates, however you need to be absolutely sure she's not driving, if she damages property or injures someone, the claim would be denied and you could suffer a large financial loss.