Complaint Review: Progressive - Newton Massachusetts

To clarify: According to Florida law, an insurance company cannot write an auto policy without UM/UIM unless they have a waiver signed by the customer declining UM/UIM coverage.

Robert, I don't disagree with you on that point. I do disagree with it being added without the customers consent or approval. That being said, I think there might be more to this story, because who would get in such a huff over something so minor? Maybe there's another reason for wanting to change carriers and this is what we're hearing about? Uninsured/Underinsured is a requirement to carry here in SC, and the laws have just been tightened to prevent someone from driving a vehicle without insurance.

Robert, I don't disagree with you on that point. I do disagree with it being added without the customers consent or approval. That being said, I think there might be more to this story, because who would get in such a huff over something so minor? Maybe there's another reason for wanting to change carriers and this is what we're hearing about? Uninsured/Underinsured is a requirement to carry here in SC, and the laws have just been tightened to prevent someone from driving a vehicle without insurance.

Robert, I don't disagree with you on that point. I do disagree with it being added without the customers consent or approval. That being said, I think there might be more to this story, because who would get in such a huff over something so minor? Maybe there's another reason for wanting to change carriers and this is what we're hearing about? Uninsured/Underinsured is a requirement to carry here in SC, and the laws have just been tightened to prevent someone from driving a vehicle without insurance.

Robert, I don't disagree with you on that point. I do disagree with it being added without the customers consent or approval. That being said, I think there might be more to this story, because who would get in such a huff over something so minor? Maybe there's another reason for wanting to change carriers and this is what we're hearing about? Uninsured/Underinsured is a requirement to carry here in SC, and the laws have just been tightened to prevent someone from driving a vehicle without insurance.

My Concorde was rammed from behind at a stop light by an "uninsured"(illegal) motrist near my house in NC. I paid the $100 deductable and the car was back to perfect. If I had used my collision coverage, I would have had a $500 deductable and it would have gone against my policy for future increases in premiums. If you don't think that is worth the coverage, good luck. Anyone whining about the $10-$20/year rate needs to stop driving a car anyway. They are the ones who go to Walmart for oil changes and then complain about the engine blowing up.

However.. Currently, I do carry uninsured and underinsured coverages... The cost per 6 months for uninsured motorist is $5.82, while underinsured is $11.65. So, about $20 per 6 months on a policy that is $350 per 6 months. Yeah.. it's $20, but seems like very little to get upset about.

Before you start accusing Progressive of trying to pull a fast one on you, realize that in many states, certain limits of coverage are required without a signed coverage selection form. For example - you may have requested and been quoted uninsured motorists coverage at the state minimum limit, but the state requires that you have higher limits without a signed coverage selection form on file with the company, showing that you requested the lower limits. As a pretty general rule, companies do NOT arbitrarily add coverages to your policy. Although you are looking at it from the standpoint of them collecting additional premiums, also realize that the same company would be on the hook to pay out these higher amounts in the event of a claim.