Windshield Claim Issue with Progressive
We initiated a claim with Progressive for a cracked windshield but canceled it midway. Now, as we’re switching insurance plans, we’ve noticed they’re charging us $200 yearly for this claim. We covered the cost of the windshield ourselves, and they didn’t contribute anything. Progressive has informed us that the claim will remain on our record for 7 years, which means I’d be paying $1,400 for a windshield that I already paid for. Is there any legal action we can take to resolve this?
It sounds frustrating to deal with this situation. Here are some steps you can consider taking:
Review Your Policy: Start by reviewing your insurance policy and any documents related to the claim. Check the terms regarding claims, cancellations, and how they affect your premium.
Contact Progressive: Reach out directly to Progressive’s customer service. Have your policy number and details of the claim handy. Explain your situation clearly and assertively, emphasizing that you paid out of pocket for the windshield and are being unfairly penalized.
Request Documentation: Ask for written documentation regarding why the claim is still affecting your premium, despite being canceled and not being paid by them.
File a Complaint: If you’re unable to resolve the issue with customer service, consider filing a complaint with your state’s insurance commissioner or department of insurance. They may be able to mediate the issue.
Consult with a Lawyer: If you still feel your situation isn’t being resolved, consider seeking legal advice. A lawyer specializing in insurance claims can provide guidance specific to your situation and jurisdiction.
Keep Records: Document all communications you have with Progressive, including dates, times, who you spoke with, and a summary of what was discussed.
Taking proactive steps and gathering as much information as possible will help you address this issue more effectively. Good luck!