Very upsetting day today......my poor z =[

mjg · 09-11-2011, 01:41 AM

I feel your pain man. I loved my car, all 6 weeks of it... only to have a tree fall on it in during a disaster that wound up causing 7 cars to exploded (and electrify an entire condo parking lot). I got really lucky, and my car escaped with minor damage.

Hopefully you can get the car totaled, and receive a new car you can love again. Best of luck bro,

KillerBee370 · 09-11-2011, 02:01 AM

So who's the assh*le early bird in the blue Volvo? Lol

But seriously, I would be heartbroken to find my car under water!

kayess · 09-12-2011, 07:06 AM

Just sent an email to the insurance rep asking for their fax number and told them i forwarded the information to my lawyer as well. Lets see if this makes a difference.

**I checked out the car yesterday, most of the car is dried out, carpet is still wet thou. Does anyone know how to open the trunk without power?**

MacCool · 09-12-2011, 08:35 AM

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.

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.

PapoZalsa · 09-12-2011, 08:58 AM

Quote:

Originally Posted by MacCool

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.

No financial institution will let you go without FULL COVERAGE insurance on your car. So in this case must be a big misunderstanding in paperwork by somebody.

All financial institution will check your insurance coverage and will let the owner know if he is not in compliance with the terms of FULL COVERAGE, becasue it happened to me before and I had to call the insurance company for them to fix there mistake.

kayess · 09-12-2011, 09:11 AM

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.

MacCool · 09-12-2011, 09:18 AM

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.

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.

Gauge · 09-12-2011, 09:48 AM

Quote:

Originally Posted by MacCool

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.

I'm not saying it's not the owners fault. I suppose the poster could be wrong and made a mistake themselves. But I'm inclined to believe the poster who has paperwork in hand over a company as bad as progressive. As well I'm looking at financing a Z Nismo and I'm pretty sure you need full to drive off the lot.

kayess · 09-12-2011, 10:09 AM

I just sent an email to the insurance commission, still searching my place for the declaration page. Progressive is still reviewing their information supposedly. Hopefully this confirmation page will be my victory...

MacCool · 09-12-2011, 10:45 AM

Quote:

Originally Posted by PapoZalsa

No financial institution will let you go without FULL COVERAGE insurance on your car. So in this case must be a big misunderstanding in paperwork by somebody.

All financial institution will check your insurance coverage and will let the owner know if he is not in compliance with the terms of FULL COVERAGE, becasue it happened to me before and I had to call the insurance company for them to fix there mistake.

The financial institutions make mistakes too. Including overlooking a lack of comprehensive coverage. Four years ago, my wife was leasing a Tahoe through GMAC. The insurance policy transfer got screwed up (agent screwup) and after the 30-day automatic new-car carryover, that vehicle was totally uninsured for almost a year before my insurence agent finally caught it. GMAC sure didn't.

MacCool · 09-12-2011, 10:48 AM

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.

Policy printout page is usually just generic. They could easily have sent you that page in the insurance packet in error. It has to be the declarations page. That is the representation of your binding contract with them.

b1adesofcha0s · 09-12-2011, 11:09 AM

If you have an online account with Progressive, you might be able to go there to print it out. That's what I do with Geico.

kayess · 09-12-2011, 04:40 PM

Yeah MacCool, I'm constantly searching my place for that declaration.

b1adesofcha0s i cant print it online because it will print what they currently show for my insurance rather than what i had when i started with them.

**I'm going to stay positive, if i win or lose against the insurance, I'm not gonna let this car die!**

scottIN · 09-12-2011, 05:39 PM

What about this: go online and get quotes both with and without full coverage. See which one matches what you've been paying.

MacCool · 09-12-2011, 06:29 PM

Doesn't your local agent have a copy of your declarations page? He should...

Walk on into the office. Ask to see it.

09-12-2011, 07:06 AM	#78 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 15	Just sent an email to the insurance rep asking for their fax number and told them i forwarded the information to my lawyer as well. Lets see if this makes a difference. I checked out the car yesterday, most of the car is dried out, carpet is still wet thou. Does anyone know how to open the trunk without power? Last edited by kayess; 09-12-2011 at 07:26 AM.

09-12-2011, 11:09 AM	#87 (permalink)
b1adesofcha0s A True Z Fanatic Join Date: Jan 2011 Location: MD Posts: 40,963 Drives: HypeTrain Choo Choo! Rep Power: 141	If you have an online account with Progressive, you might be able to go there to print it out. That's what I do with Geico. __________________ Project: b1adeZmobile (2009 370Z) \| Uprev Tune by AAM Competition \| Berk Exhaust Project: b1adeZmobile 2.0 (2014 C7 Z51) \| Corsa Xtreme Exhaust

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09-11-2011, 01:41 AM	#76 (permalink)
mjg Base Member Join Date: Aug 2011 Location: nyc Posts: 243 Drives: 13' GT 500 Rep Power: 16	I feel your pain man. I loved my car, all 6 weeks of it... only to have a tree fall on it in during a disaster that wound up causing 7 cars to exploded (and electrify an entire condo parking lot). I got really lucky, and my car escaped with minor damage. Hopefully you can get the car totaled, and receive a new car you can love again. Best of luck bro,

09-11-2011, 02:01 AM	#77 (permalink)
KillerBee370 A True Z Fanatic Join Date: Mar 2009 Location: So Cal baby! Age: 52 Posts: 5,964 Drives: with passion Rep Power: 321	So who's the assh*le early bird in the blue Volvo? Lol But seriously, I would be heartbroken to find my car under water!

09-12-2011, 09:11 AM	#81 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 15	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.

09-12-2011, 10:09 AM	#84 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 15	I just sent an email to the insurance commission, still searching my place for the declaration page. Progressive is still reviewing their information supposedly. Hopefully this confirmation page will be my victory...

09-12-2011, 04:40 PM	#88 (permalink)
kayess Base Member Join Date: Dec 2010 Location: Virginia Posts: 185 Drives: 10 Nissan 370z MB M6 Rep Power: 15	Yeah MacCool, I'm constantly searching my place for that declaration. b1adesofcha0s i cant print it online because it will print what they currently show for my insurance rather than what i had when i started with them. I'm going to stay positive, if i win or lose against the insurance, I'm not gonna let this car die!****

09-12-2011, 05:39 PM	#89 (permalink)
scottIN Track Member Join Date: Aug 2011 Location: New Castle, Indiana Posts: 764 Drives: '12 370Z Rep Power: 55	What about this: go online and get quotes both with and without full coverage. See which one matches what you've been paying.

09-12-2011, 06:29 PM	#90 (permalink)
MacCool A True Z Fanatic Join Date: Apr 2011 Location: Midwest Posts: 1,349 Drives: 370Z PW 2014 Rep Power: 16	Doesn't your local agent have a copy of your declarations page? He should... Walk on into the office. Ask to see it.