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Old Apr 28, 2017, 07:53 PM   #1
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Eisberg
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Default Progressive car insurance dropping me

I got a notice today that Progressive will not be renewing my policy this June.
No; not because of losing a Dish Network van over the side of the mountain 4 years ago

but because I used road side assistance 4 times in 3 years, for the total of $350. That is right, paying them about $10,000 over the last 10 years and they had to pay $350 in that 10 years and they consider me a high risk.
I qualified for major accident forgiveness, how much does a major accident usually cost? several thousands dollars? and they lose their minds over $350?

Anyways, no biggie, I'll just get a new insurance.

But this whole thing is so laughable
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Old Apr 28, 2017, 07:57 PM   #2
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Quote:
Originally Posted by Eisberg View Post
I got a notice today that Progressive will not be renewing my policy this June.
No; not because of losing a Dish Network van over the side of the mountain 4 years ago

but because I used road side assistance 4 times in 3 years, for the total of $350. That is right, paying them about $10,000 over the last 10 years and they had to pay $350 in that 10 years and they consider me a high risk.
I qualified for major accident forgiveness, how much does a major accident usually cost? several thousands dollars? and they lose their minds over $350?

Anyways, no biggie, I'll just get a new insurance.

But this whole thing is so laughable
Yes, but what did you use the roadside assistance for? It's probably some BS reason; most insurers are full of crap, and I've had my headaches with pet insurance with clients to the point where I don't even recommend it any more. Pity you can't really do that with cars.
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Old Apr 28, 2017, 08:17 PM   #3
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Quote:
Originally Posted by OzzieBloke View Post
Yes, but what did you use the roadside assistance for? It's probably some BS reason; most insurers are full of crap, and I've had my headaches with pet insurance with clients to the point where I don't even recommend it any more. Pity you can't really do that with cars.
1x tow to a repair show that was about 3 miles away.
2x battery jumps
1x change flat tire (not for me, for my wife and I was at work and couldn't do it for her)
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Old Apr 28, 2017, 09:19 PM   #4
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AAA might be a better choice for the roadside stuff over an auto insurance company.
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Old Apr 28, 2017, 09:26 PM   #5
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Old Apr 28, 2017, 09:37 PM   #6
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Originally Posted by DeathKnight View Post
AAA might be a better choice for the roadside stuff over an auto insurance company.
I was going to say the same thing. Might be better that way if they're going to be all teenage-drama queen about it. I've had nothing but good experiences with AAA in the past, including towing, battery replacement, etc.

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Originally Posted by Eisberg View Post
I qualified for major accident forgiveness, how much does a major accident usually cost? several thousands dollars? and they lose their minds over $350?
Depends on what qualifies as a major accident, but I'll consider it a case where the car can't be driven and needs to be in a shop for repairs before it can be.

Last year I was in an accident (not at all my fault, proven legally and all that), wherein the right front corner of my car was bashed in. Tire/wheel/suspension tweaked, light smashed, fender smashed, etc. I was able to limp it off the highway at the exit ramp, which thankfully was immediately in front of me. Also no injuries, again thankfully. Took about three weeks in the shop, and ended up being around $6,500 total costs. The car is fine now, and you'd never know I was in a wreck. But my insurance company sued theirs and won back their costs, and reimbursed me my deductible. However, it was months in litigation before it was won, so I wonder how much they payed their lawyers, versus what they got out of it.

I've had two accidents like that (only one went to court; the other was my fault...), plus a couple of speeding tickets while with this company, and they still haven't dropped me. They've never threatened to drop me. Well, not yet anyway...
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Old Apr 28, 2017, 09:59 PM   #7
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Originally Posted by jimmyboy View Post
.

I've had two accidents like that (only one went to court; the other was my fault...), plus a couple of speeding tickets while with this company, and they still haven't dropped me. They've never threatened to drop me. Well, not yet anyway...
And that is what is so funny about all of this. You have 2 accidents and speeding tickets and your insurance does not drop you. I have 4 roadside assistance for a total of about $350 over 3 years, no accidents and no tickets and I get dropped. It is so bizarre that it is funny.

I will look into AAA though, might be worth it.
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The home is the first and most effective place to learn the lessons of life: truth, honor, virtue, self control, the value of education, honest work, and the purpose and privilege of life. Nothing can take the place of home in rearing and teaching children, and no other success can compensate for failure in the home.
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Old Apr 28, 2017, 10:00 PM   #8
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Wow, good to know. My dad & brother have progressive and my brother didn't renew his AAA because he has Progressive' roadside assistance. Guess I should probably give him a heads up.
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Old Apr 28, 2017, 11:41 PM   #9
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There's a reason I maintain an RAC roadside assist on top of my regular car insurance. So my insurance can't screw me over for little things.
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Old Apr 28, 2017, 11:58 PM   #10
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Originally Posted by OzzieBloke View Post
There's a reason I maintain an RAC roadside assist on top of my regular car insurance. So my insurance can't screw me over for little things.
RAC the equivalent to AAA in the US?
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Originally Posted by David O. McKay
The home is the first and most effective place to learn the lessons of life: truth, honor, virtue, self control, the value of education, honest work, and the purpose and privilege of life. Nothing can take the place of home in rearing and teaching children, and no other success can compensate for failure in the home.
Quote:
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Old Apr 29, 2017, 01:30 AM   #11
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Soon your health insurer will be able to treat you the same way.
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Old Apr 29, 2017, 02:34 AM   #12
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Originally Posted by Eisberg View Post
RAC the equivalent to AAA in the US?
Yep. Road-side assistance. I've only used mine maybe three times in 10 years.
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Old Apr 29, 2017, 07:57 AM   #13
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Car insurance is a total racket and needs some major oversight from our useless(in the pockets of said insurance racket) politicians.

I'm 40, drive a 2014 grand caravan sxt, clean record, great credit(because now the use credit to screw people over) and I get butt raped in my premiums by AAA. Who I've been with for 15 years now btw.
I made my first claim 2 months ago hitting a parked car. My car just has a small scrape and the car i backed in to $1300 in damages. It's considered property damage and if I don't claim my van there's no deductible. So that's what I did.
During my conversation with my agent with the claim, she's already priming me for the rate increase. I asked her if she knew how much and she was able to. She tells me roughly $360. I was thinking to myself, holy crap that's a lot and I blurted out "a year"? She says no, every six months.
Are you F'ing kidding me!!?? First claim and I'm raked over the coals?
All car insurance is for is catastrophic events. Otherwise the outrageous yearly premium is nothing more than allowing for an extension of credit(claim) you'll most like replay 3 times over the coarse of a few years after they hike the rate up.
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Old Apr 29, 2017, 08:12 AM   #14
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Insurance is complete bullshit. The entire system needs to be redone from the ground up, but it'll never happen because the amount of money they rake in is mind-boggling.
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Old Apr 29, 2017, 09:31 AM   #15
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AAA is the best for this sort of thing. I keep AAA even though I have roadside on my USAA.
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Old Apr 29, 2017, 09:48 AM   #16
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It's because you were using your Insurance as roadside assistance coverage. Most Insurance companies won't put up with that. Not saying it's right but just keep that in mind for next time. Chances are you can find better coverage elsewhere. I have an Insurance agent I call to see beforehand whether I should process a claim or not if it's an iffy or lower cost situation.
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Old Apr 29, 2017, 10:12 AM   #17
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Originally Posted by bittermann View Post
It's because you were using your Insurance as roadside assistance coverage. Most Insurance companies won't put up with that. Not saying it's right but just keep that in mind for next time. Chances are you can find better coverage elsewhere. I have an Insurance agent I call to see beforehand whether I should process a claim or not if it's an iffy or lower cost situation.
It's still a crappy situation, paying for roadside assistance and then getting punished for having to use it.
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Old Apr 29, 2017, 10:17 AM   #18
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It's still a crappy situation, paying for roadside assistance and then getting punished for having to use it.
Sounds like thats there plan tbh. Ive used caa since high school and have never bothered with any other roadside. Not even sure if my insurance company offers it lol, broker never tried to upsell it either
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Old Apr 29, 2017, 10:50 AM   #19
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And yet we are, by law, required to buy insurance. And cars are very complicated plastic machines that get destroyed easily, and require expensive work to put them back together again.
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Old Apr 29, 2017, 11:19 AM   #20
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AAA ftw
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Old Apr 29, 2017, 11:25 AM   #21
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Quote:
Originally Posted by bittermann View Post
It's because you were using your Insurance as roadside assistance coverage. Most Insurance companies won't put up with that. Not saying it's right but just keep that in mind for next time. Chances are you can find better coverage elsewhere. I have an Insurance agent I call to see beforehand whether I should process a claim or not if it's an iffy or lower cost situation.
So, if you are paying for road side assistance as I do, as part of my state farm insurance plan, you are not supposed to use it? That doesn't make sense.

That's like saying you pay for AAA, and AAA won't put up with you using it. In both situations, you are paying for the same service, but only one will allow you to use the service that you pay for.

I personally would turn them into the insurance commissioner because road side assistance is not insurance, it is a service.: https://eapps.naic.org/cis/fileComplaintMap.do
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Old Apr 29, 2017, 11:32 AM   #22
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Originally Posted by NWR_Midnight View Post
So, if you are paying for road side assistance as I do, as part of my state farm insurance plan, you are not supposed to use it? That doesn't make sense.

That's like saying you pay for AAA, and AAA won't put up with you using it. In both situations, you are paying for the same service, but only one will allow you to use the service that you pay for.

I personally would turn them into the insurance commissioner because road side assistance is not insurance, it is a service.: https://eapps.naic.org/cis/fileComplaintMap.do
Mybad, I didn't read the whole thing. I was unaware he paid for road side assistance as well with the Insurance. I re-read his post. Then I agree it was crappy.
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Old Apr 29, 2017, 12:46 PM   #23
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Originally Posted by NWR_Midnight View Post
because road side assistance is not insurance, it is a service.
But it paints a picture, at least in the insurance company's eyes, that the vehicle is "unreliable" or more of a "risk" for whatever reason. The algorithms, criteria or whatever voodoo that insurance companies use to determine the stuff they do can be wonky. It might be a service but it's still going through the insurance company and they have the discretion to insure you or not at the end of the day. This is why it's better to go through a third party like AAA who specializes in roadside service.
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Old Apr 29, 2017, 01:22 PM   #24
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Originally Posted by Nunz View Post
Insurance is complete bullshit. The entire system needs to be redone from the ground up, but it'll never happen because the amount of money they rake in is mind-boggling.
In Missouri, at least liability coverage is mandated by law. it's a low level traffic misdemeanor to drive without it. Most other states have this? We've had this for decades now, all of my adult life. Of course we try to make something even more important, like health insurance, mandatory and peeps go batty.

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Originally Posted by DeathKnight View Post
But it paints a picture, at least in the insurance company's eyes, that the vehicle is "unreliable" or more of a "risk" for whatever reason.
Or that the vehicles are not being cared for, plus there's the risk of being way-layed by oncoming traffic.
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Old Apr 29, 2017, 03:25 PM   #25
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But it paints a picture, at least in the insurance company's eyes, that the vehicle is "unreliable" or more of a "risk" for whatever reason. The algorithms, criteria or whatever voodoo that insurance companies use to determine the stuff they do can be wonky. It might be a service but it's still going through the insurance company and they have the discretion to insure you or not at the end of the day. This is why it's better to go through a third party like AAA who specializes in roadside service.
This is why people need to start making complaints to the insurance commissioner and actually to the AG as well. A flat tire, a dead a battery are zero signs of "unreliable" or "high risk" (You are risk of getting a flat tire in a brand new car just as easily as you are in an old car with new tires, etc). You are paying for a service, not insurance against it happening when you pay for road side assistance.

Just like any other service you pay for in life, if it is utilized to the point that it becomes unprofitable for the business, then you re-evaluate the pricing or discontinue that service with the customer, but to drop their auto insurance because of it is out of line because one has zero to do with the other.
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Old Apr 29, 2017, 04:25 PM   #26
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Originally Posted by Tyr-Sog View Post
Car insurance is a total racket and needs some major oversight from our useless(in the pockets of said insurance racket) politicians.

I'm 40, drive a 2014 grand caravan sxt, clean record, great credit(because now the use credit to screw people over) and I get butt raped in my premiums by AAA. Who I've been with for 15 years now btw.
I made my first claim 2 months ago hitting a parked car. My car just has a small scrape and the car i backed in to $1300 in damages. It's considered property damage and if I don't claim my van there's no deductible. So that's what I did.
During my conversation with my agent with the claim, she's already priming me for the rate increase. I asked her if she knew how much and she was able to. She tells me roughly $360. I was thinking to myself, holy crap that's a lot and I blurted out "a year"? She says no, every six months.
Are you F'ing kidding me!!?? First claim and I'm raked over the coals?
All car insurance is for is catastrophic events. Otherwise the outrageous yearly premium is nothing more than allowing for an extension of credit(claim) you'll most like replay 3 times over the coarse of a few years after they hike the rate up.
My dad switched insurance companies after 20+ years because they wnated to raise his rates.

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Originally Posted by Nunz View Post
Insurance is complete bullshit. The entire system needs to be redone from the ground up, but it'll never happen because the amount of money they rake in is mind-boggling.
My gf and I's insurance increased every renewal for 2yrs despite the fact we had no accidents, tickets, or claims. Then out of nowhere it started decreasing substantially every renewal to the point that when she passed away the rate was half of what it was when we started with Progressive.

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Originally Posted by DeathKnight View Post
But it paints a picture, at least in the insurance company's eyes, that the vehicle is "unreliable" or more of a "risk" for whatever reason. The algorithms, criteria or whatever voodoo that insurance companies use to determine the stuff they do can be wonky. It might be a service but it's still going through the insurance company and they have the discretion to insure you or not at the end of the day. This is why it's better to go through a third party like AAA who specializes in roadside service.
2 dead batteries, 1 flat tire, and 1 tow doesn't equal any type of picture, it's just an excuse.
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Old Apr 29, 2017, 06:16 PM   #27
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Mybad, I didn't read the whole thing. I was unaware he paid for road side assistance as well with the Insurance. I re-read his post. Then I agree it was crappy.
Yeah, I paid extra for the road side assistance service.


So I looked into AAA and I'll be going with them instead of my next insurance company. I might go with Allstate for car insurance since my renter's insurance is with them already, might get a discount, but I am going to shop around still.
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Old Apr 29, 2017, 07:08 PM   #28
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Originally Posted by Eisberg View Post
Yeah, I paid extra for the road side assistance service.


So I looked into AAA and I'll be going with them instead of my next insurance company. I might go with Allstate for car insurance since my renter's insurance is with them already, might get a discount, but I am going to shop around still.
Have a bundled car/house insurance thing through All-State and don't have any complaints. Though, my parents have known our agent for about as long as I've been alive, so your mileage may vary.
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Old Apr 30, 2017, 08:56 AM   #29
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Just a heads up... about 15 years ago my insurance premium doubled because my insurer dropped me. I claimed an accident where I backed into something. Intact Insurance if anyone is wondering. Took me 5 years of clean driving to get it back. Insurance is great till you have to use it.
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Old Apr 30, 2017, 09:33 AM   #30
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We have USAA auto and home insurance. The only time they raised our rates due to a claim was about 20 years ago when my wife caused $5k damage to our car. Even then, the increase wasn't much. We've had several tickets and small fender-benders over the years without any rate increase (other than normal annual adjustments).

Our rates usually go up when we change cars or add one of our kids to the insurance. Holy crap teenagers are expensive to insure.
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