Having a very bad experience with Progressive
Hit a rock on the Red River and damaged lower unit
Shop determined the prop shaft was bent and bottom of skag was broken off and one blade was broke on prop
Progressive is refusing to cover the prop because in their assessment since only one blade was damaged that it was not possible to have been caused by the rock that the other two blades would have to have been damaged
Even though they admit the shaft was bent and skag broken they still refuse to cover the prop

This is the most arrogant agent I have ever talked to and if anyone knows of a state agency where I can file a complaint I would appreciate knowing

I urge all boat owners to never use Progressive and when it�s time to renew please go anywhere else to save yourself from the misery I am goi g through

You sometimes make a mistake by marrying a skag (or is it "scag"?), but you bend the SKEG on your outboard.....

You can change insurance providers at any time, not just when an insured period of time ends. A per day pro-rated refund will be given for unused time in the insured period. You can then start a new policy period with a new provider.

There is usually an appeals process for denied coverage. Arguing with an agent isn't it, I'd bet. Getting the shop that assessed the damage to write an explanation as to how the observed damage is feasible probably is a more reasonable part of that process. Damage to one blade is feasible in a single collision event, you're just unable to explain why, and you're telling it to the wrong person. It will also need to be written clearly and submitted for review by the claims investigator, not your agent.

I've had two large claims paid by Progressive without any problems. But my agent is Bob at Worldwide Marine Insurers and he's about as hands on as any agent I've ever known. You should give him a call when you make the change.

I use Progressive through USAA. Hit a submerged bridge last week, replacing lower unit and new prop as I type. Also minor hull damage. I have no problem with Progressive..

Progressive is typically the easiest to deal with at my shop but it also varies per adjuster. You can request that a 3rd party marine survey look at the damage and give his assessment.

Progressive screwed me out of a legit claim 10 years ago. They haven't seen a dime from me since.

It may be your adjuster, I've never had any problem with Progressive covering damages. They pay quick too

Bob at worldwide has been great for me.

go above the adjuster and speak to his superior and voice your concerns, keep climbing up that old corporate ladder until someone gives you the results. the squeaky wheel gets the grease..

Good to hear, I just changed to USAA last month. All of my insurane, home, car, truck, rv etc. USAA doesn't cover boats though but as you stated they use Progressive. So I now have Progressive for the boat. That was hard to swallow for me since progressive the company is progressive.

Won't....

Progressive can be a bad choice. We lost thousands on our claim when it was totaled in a fire. We were rooked from the beginning. First red flag was when adjuster said he was in a hurry to get back to Waco for a ball game and rushed the inspection. Secondly, we submitted at least a dozen comparables with photos and details for the fair market value. Ranging anywhere from 10,500 dollars to 12, 500 dollars. Even gave them direct NADA values. Progressive refused to pay more than 4500. The final insult was when they finally admitted that the adjuster had determined his value based on 1 phone call to one dealer. Thirdly,The claims department was very rude with each phone call and seemed highly offended that we were even checking the value of our boat and disputed their opinion. Progressive insurance may have funny commercials, but their insurance is not worth a dime!

Adjusters are contract hires, rarely work directly for the company, they call who's in your area. You need to speak with someone who has experience with boat claims, direct from the company, not the Adjuster, not your Agent, but your Agent should also go to bat for you. I use Traveler's.

I didn't have a claim but my boat dealer asked what insurance carrier I had....I told them progressive and they said they had problems with Progressive replacing lower units with new lower units for the Mercury Pro XS..they wanted to buy a remanufactured unit for it.....that causes problems with Mercury warranty for those that have original or extended warranty with mercury for future and and caused problems for other customers....

yep, finding out the hard way also! lower unit damage at Fork. skeg,propshaft,prop,seals.
find out my agreed value policy is really only good if you sink it!
being that boat is over 10 years old, depreciation is going to be 80%.
can buy another lower for cheaper than repairing this one!
so much for 300000/100000 insurance, but on the bright side, I've never had a claim!!! so no deductible !!! LOL !!!!

I use Bob also. If you are having a problem with an adjuster call him and he will help you.

I had progressive years ago while living in Hawaii and had a boat catch fire a few months after I got it and they wouldn't cover it, and told me it was owner neglect.

Progressive just screwed me big time as well. They will never get another dime from this guy. The Claims guy was rude as hell and the supervisor over my adjuster tried arguing with me about what caused the failure then asked me if it was an inboard or outboard. Seriously??? What a joke.

Progressive did a great job when a uninsured, unlicensed illegal ran a stop and hit my ex. The illegal even had the gonads to hire one of the top ranked injury lawyers. Cops wrote up the accident report wrong and put ex on the wrong street. Progressive went to bat and while the thing dragged out for a month they got my car paid for under uninsured motorist. They said the other party might still try to sue and if so just call them they will handle it.

I am going through my second claim with Progressive right now, the first one went smooth and it seems the second one will too, had Progressive call me yesterday following up to see if I had any questions since the adjuster had came and looked at my boat. no complaints with them yet.

Yep. I was an adjuster there at one time, not for boats though. They should have to prove it wasn�t related, not vice versa. They don�t want to hear the words insurance commission/board. They�ll pay I think, they need some motivation sometimes.

My only problem is they are owned by George Soros!

I have had Foremost through my Farmers agent and have had 2 claims, each handled very well and to my satisfaction. Mt agent is Dillon Lee, who is also a fisherman. Very competitive price!

Lol, no. Owned by Peter Lewis. Pretty close to the same thing though.

Progressive also denied my lower unit claim. I hit and underwater bridge, bent 3 blades on prop and dealership agreed with me. Claim adjuster said wear and tear because the main shaft broke. It did break after I idled about 1/2 mile. First claim in about 16 years with progressive. I am shopping for a new company now

Having my first claim ever. Adjuster wants them to break it down so he can see it. The shop broke it down and took pictures but he wants to look at it for himself. The shop told the adjuster what they thought caused the damage If the adjuster does not do what I think is right I will call my agent and ask for another adjuster to take a look. I just do not have a good feeling about what is going on at the present time.

I had State Farm and they were great through two legit claims. First one my outboard caught fire and melted all the stuff in the back end of the motor and a second time some [censored] decided he deserved my trolling motor more than I did. Problem is that as soon as they paid out the second one they dumped me and said I was a high risk. Ridiculous as I was with them 16 years but whatever. Blew my outboard after that and have been off water a while just got it back up and going. Looking for new insurance carrier. I am guessing progressive is questionable. Who has one they really like and trust

Bob at worldwide marine insured several boats of mine. Had a few claims over the years and never had anything but smooth claims and was clearly cheaper than many others.