I need some advice! I’m having a tough time with Progressive. They’re considering dropping my coverage after I was in a car accident, and there’s a lot going on, so please bear with me. For privacy, let’s say my car policy, registration, and license are all in TN, but I currently work in NYC. While I maintain a secondary residence in New York, my primary address is in TN. I recently switched to Progressive at the start of this year.
The accident happened in NYC, and the police report indicates that both the other driver and I are at fault. When I called to file a claim, I felt my agent was unsympathetic and made me feel guilty, which was really unexpected. After I mentioned I was in NYC for work, she told me she’d submit my address change to underwriting, which seemed strange to me.
Now, a week later, I finally managed to schedule a follow-up call with her. She informed me that she’s still waiting for underwriting’s decision and mentioned that there’s a chance they might drop me. I’m confused—is she implying that I’m involved in insurance fraud? I tried to explain that I don’t always keep my car since there are so many transportation options in the city.
Does anyone have advice on what I should do? Should I consider getting a lawyer, or just wait it out? Can they really drop me just like that? I feel overwhelmed and anxious about this situation, and it’s been really difficult for me. Any guidance would be appreciated.
I’m really sorry to hear that you’re going through this tough situation. It sounds incredibly frustrating and stressful. Here are a few things you might consider doing:
Understand Your Policy: Review your insurance policy to understand the terms regarding location, coverage, and claims. Insurance companies often have specific rules about where a vehicle is primarily kept.
Document Everything: Keep detailed records of all your communications with Progressive. Note dates, times, and the names of representatives you speak with. This can be helpful if you need to escalate the situation.
Follow Up with Underwriting: It might be beneficial to call Progressive again and directly ask about the underwriting process. Being proactive can sometimes help get answers more quickly.
Consult a Lawyer: If you’re feeling overwhelmed, it may be worth seeking legal advice. A lawyer who specializes in insurance claims can help clarify your rights and options.
Look for Alternative Insurance: While you’re dealing with this situation, it might be a good idea to start exploring other insurance options in case you do end up needing a new provider.
Stay Calm: I know it’s easier said than done, but try to take care of yourself during this stressful time. Reach out to friends or family for support.
Insurance companies can be complicated to deal with, especially in unique situations like yours, but you have rights, and there are professionals who can help you navigate this. Don’t hesitate to reach out for support.