Quote:
Originally Posted by Gauge
This is just criminal. Insurance companies, especially ones as large as progressive, are terrible with stuff like this. Horror stories like this are all abound.
Take their asses to court, judges hate these insurance moguls because they are constantly trying to get over on the consumer.
This is why I have state farm. They have always gone above and beyond for me, they never even ask questions when I call them, they just say "I'm so sorry sir, we will take care of everything", and then they do.
I say take em to court and sue for emotional damages for the stress induced by them refusing to pay for the car. Your car was just ruined, the last thing you need is your insurance company dumping you.
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Back up a sec...
On my auto insurance policy, the first page is the declaration page. It clearly defines what the policy is, what the limits are, and what it covered. There's no fine print about it. They send me a new one every 6 months. Proving "comprehensive" or "other than collision" coverage is a simple matter. The company has a record of it, I have a record of it. Damage due to fire/theft/flood is not in the "fine print", it's in the coverage description in big bold letters under the heading "Comprehensive Coverage - What is covered". This isn't a case of Progressive trying to get out of coverage by "redefining" what is covered, it's a matter of whether the OP actually bought the coverage.
It's true that most finance companies/banks, and leasing companies require some sort of comprehensive coverage, but not all do, and they don't always check, and if they do they often miss stuff like that.
Everybody wants to jump on the insurance company here. I'm no big fan either and I'm very sympathetic to the OP's loss, but his difficulty in coming up with proof of comprehensive coverage is telling. Most current declaration page. It's all he needs. Or all
they need.