Quote:
Originally Posted by kayess
I have the policy printout stating i have Full Coverage, but Progressive is denying all possibility of me having that. I just faxed that information over to them. If that was sent incorrectly to me, i believe that's their fault because i recall signing up for full coverage. Now will they honor that? I doubt it, will the court be in my favor? Hopefully....
Like PapoZalsa said, its a requirement to my knowledge.
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If you have comprehensive coverage listed on your most current declarations page, and if flood damage is covered in their comprehensive policy, then they are bastards and you should have a good case in court. Keep your state insurance commission in the loop, let them know you're suing Progressive for breach of contract and why. Find your cancelled check to Progressive in order to prove that coverage was in effect. In court you need to prove damage (you have photos and estimate from dealer), prove that you bought the coverage, prove that the coverage was active at the time of the flooding, prove that the comprehensive policy that you bought covers flooding. Get an attorney.
You might also demonstrate that the amount of money you pay them annually is consistent with their fees for liability, collision, and comprehensive coverage. Look on their rates page.