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Jan 23rd, 2013
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Progressive want Pay #12497655
11/09/17 12:52 PM
11/09/17 12:52 PM
Joined: Mar 2003
Posts: 208
bryan,tx.
T
Tmac Offline OP
Outdoorsman
Tmac  Offline OP
Outdoorsman
T

Joined: Mar 2003
Posts: 208
bryan,tx.
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

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

Joined: Feb 2015
Posts: 2,167
Magnolia, TX
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
11/09/17 05:03 PM
Joined: Jan 2009
Posts: 48,322
Houston, TX
fouzman Offline
Methuselah
fouzman  Offline
Methuselah

Joined: Jan 2009
Posts: 48,322
Houston, TX
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
11/09/17 05:25 PM
Joined: Jan 2012
Posts: 1,021
Del Rio, Tx
6BOOMER Offline
Extreme Angler
6BOOMER  Offline
Extreme Angler

Joined: Jan 2012
Posts: 1,021
Del Rio, Tx
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
11/22/17 03:20 PM
Joined: May 2010
Posts: 997
Sanger, Texas
Classic Fiberglass Offline
Pro Angler
Classic Fiberglass  Offline
Pro Angler

Joined: May 2010
Posts: 997
Sanger, Texas
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
11/23/17 03:32 AM
Joined: Jun 2008
Posts: 1,356
Nacogdoches
K
Kristopher Douglas. Offline
Extreme Angler
Kristopher Douglas.  Offline
Extreme Angler
K

Joined: Jun 2008
Posts: 1,356
Nacogdoches
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
11/28/17 10:35 PM
Joined: Feb 2005
Posts: 6,497
The Colony, TX
T
texasbass1 Offline
TFF Celebrity
texasbass1  Offline
TFF Celebrity
T

Joined: Feb 2005
Posts: 6,497
The Colony, TX
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
12/02/17 09:25 PM
Joined: Sep 2004
Posts: 7,610
SACHSE, TEXAS
CHAMPION FISH Online happy
TFF Celebrity
CHAMPION FISH  Online Happy
TFF Celebrity

Joined: Sep 2004
Posts: 7,610
SACHSE, TEXAS
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
12/13/17 12:34 PM
Joined: Feb 2003
Posts: 53,797
Campbell, TX
SkeeterRonnie Offline
Super Freak
SkeeterRonnie  Offline
Super Freak

Joined: Feb 2003
Posts: 53,797
Campbell, TX
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
02/10/18 04:30 PM
Joined: May 2002
Posts: 26,807
Rowlett,Liquor City,Texas
B
Bob Davis Online content
Bunkeroid Bob
Bob Davis  Online Content
Bunkeroid Bob
B

Joined: May 2002
Posts: 26,807
Rowlett,Liquor City,Texas
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
02/11/18 05:42 AM
Joined: Feb 2006
Posts: 418
Texas
Alumacraft 14 Offline
Angler
Alumacraft 14  Offline
Angler

Joined: Feb 2006
Posts: 418
Texas
Won't.... bolt

Re: Progressive want Pay [Re: Tmac] #12719774
04/17/18 01:31 PM
04/17/18 01:31 PM
Joined: Feb 2014
Posts: 231
J
JWfish Offline
Outdoorsman
JWfish  Offline
Outdoorsman
J

Joined: Feb 2014
Posts: 231
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
04/18/18 02:27 AM
Joined: Jan 2011
Posts: 443
J
Jumpin J Online content
Angler
Jumpin J  Online Content
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
04/29/18 03:06 AM
Joined: Mar 2013
Posts: 6
M
Mitch Rapp Offline
Green Horn
Mitch Rapp  Offline
Green Horn
M

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
05/14/18 07:28 PM
Joined: Jul 2002
Posts: 3,245
GARLAND/CANTON TX.
S
SNAKEBIT Offline
TFF Team Angler
SNAKEBIT  Offline
TFF Team Angler
S

Joined: Jul 2002
Posts: 3,245
GARLAND/CANTON TX.
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 !!!!


Pro Staff




Re: Progressive want Pay [Re: fouzman] #12758660
05/17/18 12:16 PM
05/17/18 12:16 PM
Joined: Aug 2009
Posts: 8,057
Albany
9
9094 Online content
TFF Celebrity
9094  Online Content
TFF Celebrity
9

Joined: Aug 2009
Posts: 8,057
Albany
Originally Posted By: fouzman
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 Bob also. If you are having a problem with an adjuster call him and he will help you.

Re: Progressive want Pay [Re: Tmac] #12766546
05/23/18 04:45 PM
05/23/18 04:45 PM
Joined: Jun 2014
Posts: 114
Oklahoma
J
justfishin89 Offline
Outdoorsman
justfishin89  Offline
Outdoorsman
J

Joined: Jun 2014
Posts: 114
Oklahoma
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.


Perfection is a moving target.

USAF

#TightlinesUV #Fishbomb #AmbushLureCo #SixGillFishingProducts #PHCustomLures

https://tightlinesuv.com/?wpam_id=46

Follow me on YouTube and Instagram @JFOutdoor
Re: Progressive want Pay [Re: Tmac] #12836115
07/21/18 02:01 AM
07/21/18 02:01 AM
Joined: Mar 2017
Posts: 15
East Texas
Cplatt Offline
Green Horn
Cplatt  Offline
Green Horn

Joined: Mar 2017
Posts: 15
East Texas
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. mad

Re: Progressive want Pay [Re: Tmac] #12840212
07/24/18 05:37 PM
07/24/18 05:37 PM
Joined: Apr 2004
Posts: 8,457
Rockwall
S
Stump jumper Offline
TFF Celebrity
Stump jumper  Offline
TFF Celebrity
S

Joined: Apr 2004
Posts: 8,457
Rockwall
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.

Last edited by Stump jumper; 07/24/18 05:38 PM.

2200 Bay Champ/200 Mercury Optimax
2017 Tundra TSS 4x4 Crewmax 5.7L
Re: Progressive want Pay [Re: Tmac] #12845018
07/28/18 08:46 AM
07/28/18 08:46 AM
Joined: Jun 2012
Posts: 9
L
larr_1@yahoo.com Offline
Green Horn
larr_1@yahoo.com  Offline
Green Horn
L

Joined: Jun 2012
Posts: 9
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.

Re: Progressive want Pay [Re: Tmac] #12866387
08/16/18 05:38 PM
08/16/18 05:38 PM
Joined: Jul 2007
Posts: 1,875
Ft. worth
N
nitroslim Offline
Extreme Angler
nitroslim  Offline
Extreme Angler
N

Joined: Jul 2007
Posts: 1,875
Ft. worth

Re: Progressive want Pay [Re: nitroslim] #12866831
08/17/18 12:15 AM
08/17/18 12:15 AM
Joined: Aug 2018
Posts: 2
S
SandBilly Offline
Green Horn
SandBilly  Offline
Green Horn
S

Joined: Aug 2018
Posts: 2
Originally Posted By: nitroslim


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.

Re: Progressive want Pay [Re: 6BOOMER] #12880366
08/29/18 04:02 PM
08/29/18 04:02 PM
Joined: Mar 2007
Posts: 12,356
Plano,Texas
F
forkduc Offline
TFF Guru
forkduc  Offline
TFF Guru
F

Joined: Mar 2007
Posts: 12,356
Plano,Texas
My only problem is they are owned by George Soros!

Re: Progressive want Pay [Re: Tmac] #12880370
08/29/18 04:06 PM
08/29/18 04:06 PM
Joined: Mar 2007
Posts: 12,356
Plano,Texas
F
forkduc Offline
TFF Guru
forkduc  Offline
TFF Guru
F

Joined: Mar 2007
Posts: 12,356
Plano,Texas
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!

Re: Progressive want Pay [Re: forkduc] #12881200
08/30/18 02:42 AM
08/30/18 02:42 AM
Joined: Aug 2018
Posts: 2
S
SandBilly Offline
Green Horn
SandBilly  Offline
Green Horn
S

Joined: Aug 2018
Posts: 2
Originally Posted By: forkduc
My only problem is they are owned by George Soros!


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

Re: Progressive want Pay [Re: Tmac] #13011896
12/31/18 04:04 PM
12/31/18 04:04 PM
Joined: Dec 2018
Posts: 8
Jerry149 Offline
Green Horn
Jerry149  Offline
Green Horn

Joined: Dec 2018
Posts: 8
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

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