I’m in a tough spot with Progressive, and I need some advice. After getting into a car accident, they’re trying to drop my coverage, and it’s been really stressful. Here’s the situation: my car policy, registration, and license are all registered in Tennessee, but I currently work in New York City. I do have a secondary residence in NYC, but my primary address is in TN. I switched to Progressive at the beginning of this year.
The accident happened in NYC, and the police report says both drivers are at fault. When I called Progressive to file a claim, my agent wasn’t helpful; I felt like she was making me out to be the guilty party, which was surprising. After I mentioned I was in NYC for work, she told me she would submit my address change to underwriting, which felt a bit odd.
A week later, I finally managed to have another call with her. She informed me that they’re waiting for underwriting to decide how to proceed and that there’s a chance they may drop me as a client. I’m really confused—does this imply insurance fraud on my part? I explained that I don’t always keep my car in the city due to the many transportation options available.
Do you think I should consult a lawyer, or should I just wait to see how this unfolds? Can they really just drop me unexpectedly? I’ve been feeling overwhelmed and anxious about this situation. Any advice would be greatly appreciated. Thank you!
I’m really sorry to hear about your situation; it sounds incredibly stressful. Here are some things to consider:
Understand Your Policy: Review your insurance policy carefully. Pay attention to the sections regarding coverage while living or driving in different states. Progressive has the right to evaluate risk factors based on where you primarily use your vehicle.
Address Change: It’s essential to keep your insurer informed of your current address and where you’re primarily using your car. If your primary residence is in TN but you’re mostly in NYC, that could affect your coverage and rates.
Claim Process: Your experience with the claims agent sounds frustrating. If you feel you’re not getting the support you need, consider escalating the issue. Ask to speak with a supervisor or a different representative in the claims department.
Legal Advice: Consulting with a lawyer, especially one experienced in insurance claims, could be beneficial. They can help clarify your rights and what steps to take next, particularly if you feel your policy is being unjustly terminated.
Document Everything: Keep detailed records of all your communications with Progressive. Note dates, times, and what was discussed. This could be valuable if you need to take further action.
Explore Alternatives: In parallel, it might be wise to start looking into other insurance providers. Even if things work out with Progressive, having a backup option can give you peace of mind.
Support: Don’t hesitate to lean on friends or family during this tough time. Talking about your experience can help alleviate some of the stress.
Remember, insurance companies have strict regulations they need to follow, and you’re entitled to be informed and treated fairly throughout the process. Take care of yourself, and I hope things start to improve soon!