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Jan 23rd, 2013
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Progressive want Pay #12497655 11/09/17 12:52 PM
Joined: Mar 2003
Posts: 210
T
Tmac Offline OP
Outdoorsman
OP Offline
Outdoorsman
T
Joined: Mar 2003
Posts: 210
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 its time to renew please go anywhere else to save yourself from the misery I am goi g through

Re: Progressive want Pay [Re: Tmac] #12497665 11/09/17 01:15 PM
Joined: Feb 2015
Posts: 2,167
F
Flippin-Out Offline
Extreme Angler
Offline
Extreme Angler
F
Joined: Feb 2015
Posts: 2,167
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.

Last edited by Flippin-Out; 11/09/17 01:20 PM.
Re: Progressive want Pay [Re: Tmac] #12497938 11/09/17 05:03 PM
Joined: Jan 2009
Posts: 49,525
fouzman Offline
Methuselah
Offline
Methuselah
Joined: Jan 2009
Posts: 49,525
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.


"Things turn out best for those who make the best of the way things turn out" - Zachary Troy Schrah - a young man with vision far beyond his years.
Re: Progressive want Pay [Re: Tmac] #12497963 11/09/17 05:25 PM
Joined: Jan 2012
Posts: 1,080
6BOOMER Offline
Extreme Angler
Offline
Extreme Angler
Joined: Jan 2012
Posts: 1,080
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..

Re: Progressive want Pay [Re: Tmac] #12512652 11/22/17 03:20 PM
Joined: May 2010
Posts: 1,076
Classic Fiberglass Offline
Extreme Angler
Offline
Extreme Angler
Joined: May 2010
Posts: 1,076
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.


Chris
940-458-0164
Chris@classic-fiberglass.com
Re: Progressive want Pay [Re: Tmac] #12513495 11/23/17 03:32 AM
Joined: Jun 2008
Posts: 1,356
K
Kristopher Douglas. Offline
Extreme Angler
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K
Joined: Jun 2008
Posts: 1,356
Progressive screwed me out of a legit claim 10 years ago. They haven't seen a dime from me since.

Re: Progressive want Pay [Re: Tmac] #12519290 11/28/17 10:35 PM
Joined: Feb 2005
Posts: 6,590
T
texasbass1 Offline
TFF Celebrity
Offline
TFF Celebrity
T
Joined: Feb 2005
Posts: 6,590
It may be your adjuster, I've never had any problem with Progressive covering damages. They pay quick too


Pat Leach
USAF MSgt Retired
93 Procraft 180 Pro
16 Mercury 150 4 Stroke
Minn Kota Ulterra 80
Re: Progressive want Pay [Re: Tmac] #12524341 12/02/17 09:25 PM
Joined: Sep 2004
Posts: 7,749
CHAMPION FISH Offline
TFF Celebrity
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Joined: Sep 2004
Posts: 7,749
Bob at worldwide has been great for me.



" Success is a ladder you can not climb with your hands in your pockets."

www.pro-cure.com
www.falconrods.com
Re: Progressive want Pay [Re: Tmac] #12536632 12/13/17 12:34 PM
Joined: Feb 2003
Posts: 54,025
SkeeterRonnie Offline
Super Freak
Offline
Super Freak
Joined: Feb 2003
Posts: 54,025
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..

Re: Progressive want Pay [Re: 6BOOMER] #12620316 02/10/18 04:30 PM
Joined: May 2002
Posts: 30,266
B
Bob Davis Offline
Bunkeroid Bob
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Bunkeroid Bob
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Joined: May 2002
Posts: 30,266
Originally Posted By: 6BOOMER
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..


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.


[Linked Image]
[Linked Image]
Re: Progressive want Pay [Re: Tmac] #12621366 02/11/18 05:42 AM
Joined: Feb 2006
Posts: 527
Alumacraft 14 Online Content
Pro Angler
Online Content
Pro Angler
Joined: Feb 2006
Posts: 527
Won't.... bolt

Re: Progressive want Pay [Re: Tmac] #12719774 04/17/18 01:31 PM
Joined: Feb 2014
Posts: 286
J
JWfish Offline
Angler
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Angler
J
Joined: Feb 2014
Posts: 286
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!

Re: Progressive want Pay [Re: Tmac] #12720944 04/18/18 02:27 AM
Joined: Jan 2011
Posts: 443
J
Jumpin J Offline
Angler
Offline
Angler
J
Joined: Jan 2011
Posts: 443
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.

Re: Progressive want Pay [Re: Tmac] #12735021 04/29/18 03:06 AM
Joined: Mar 2013
Posts: 6
M
Mitch Rapp Offline
Green Horn
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Joined: Mar 2013
Posts: 6
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....

Re: Progressive want Pay [Re: Tmac] #12755029 05/14/18 07:28 PM
Joined: Jul 2002
Posts: 3,329
S
SNAKEBIT Offline
TFF Team Angler
Offline
TFF Team Angler
S
Joined: Jul 2002
Posts: 3,329
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 love the smell of 2 stroke in the morning !!!

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