What are my chances of getting Progressive to adjust my bill?
I’ve had two vehicles on my policy for the past two years. About a year and eight months ago, when I knew I would be hospitalized for at least three months (which turned out to be on and off for almost two years), I called to have one of the vehicles removed.
I just discovered that the second vehicle has been on the policy this entire time. I even remember calling about nine months ago to inquire why my payments were so high and realized then that the second vehicle hadn’t been removed. I asked them to take it off, but it seems that didn’t happen.
Now that I’m finally sitting at my computer (I prefer that over phone calls), I see that I’ve been billed for both vehicles the entire time.
What are my chances of receiving at least a partial refund for the charges related to the second vehicle? How can I dispute this? Even if I can’t get back all the overpayments, I would appreciate any refund. Who should I speak to, or which department should I contact?
If anyone has any advice or experience, I’d really appreciate your input. Thank you!
It sounds like you’re in a frustrating situation, and I can understand your concern about the billing issue with your insurance provider. Here are some steps you can take to resolve the situation with Progressive and potentially secure a refund:
Gather Documentation: Compile any documentation you have, including policy statements, payment receipts, and notes from your previous calls regarding the removal of the vehicle. If you remember specific dates and times of your calls, make a note of those as well.
Contact Customer Service: Call Progressive’s customer service directly. Explain your situation clearly and succinctly, including the timeline of events and the fact that you previously requested the removal of the second vehicle. Be polite but assertive, and ask to speak to a manager or a representative who specializes in billing disputes if you’re not getting satisfactory answers.
Request a Review of Your Account: Ask if they can review the recorded calls where you requested the vehicle removal. Highlight that you’ve already reached out before to correct this issue, which may strengthen your case for a refund.
Inquire About a Refund: Explicitly ask about the possibility of a refund for the extra charges on the second vehicle. Even if they inform you that a full refund isn’t possible, they might be able to provide a partial refund or adjust your current bill.
Follow Up in Writing: If you don’t get a satisfactory response, consider following up with a formal letter or an email detailing your case. Include all relevant details, and keep a copy for your records.
Escalate if Necessary: If you’re still not satisfied after your discussions with customer service, you can ask about the appeals process or reach out to your state’s department of insurance for assistance.
Check Your Credit Card Company: If you paid with a credit card and believe you were wrongfully charged, you might also consider disputing the charges through your credit card provider as a last resort.
Remember, while there are no guarantees, being persistent and documenting your communications can increase your chances of getting a favorable outcome. Good luck!