I've had Progressive for almost four years and have been happy with their rates and the fact they will provide collision coverage on old cars.

I'm about to get crossways with them. My significant other was stopped at a red light and got rear-ended by an old geezer in a jacked-up pickup with a winch on the front. The winch took out the bumper and hatch-back on the car.

We called Progressive and they were real positive. Based on the facts, they were going to pay for repairs and get the deductable from the other guy.

Today they got the full information. The old geezer also has Progressive insurance. They say that since old geezer has not reported the accident, it may be a year before they cover the deductable. In the meantime, I have to pay the deductable ($1000) and wait on them to decide when to pay it.

A lawyer friend says it will be better to sue the other driver than wait on Progressive. What do you guys think?

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1983 300SD "Guderian"
1987 MR2
2015 Camry
2015 Chevy Spark
2006 Hyundai Tucson

i think you should have upped the deductible to $100.just how much money do you save per year between $1000 and $100 deductible.it ain't much.

Was there a police report filed (to prove the other peron's fault)? If so you can file the claim under the other party's insurance coverage - no need to pay your deductible. Your whole claim should be taken care of under his coverage.

Exactly what I was thinking.

Concerning police reports being the 'ultimate authority' concerning insurance claims, here's one for the record books. A few years back I was at the stealership and ran into a woman who shared a story concerning an accident she had been involved in. She said some a** had rear ended her. Before the cops arrived, the guy who hit her hopped out of his car and went over to some bystanders who had witnessed the accident. He offered each bystander $20 to tell the cops a lie concerning how the accident happened. Since the wreck occurred in a seedy part of town, the bystanders took him up on the offer. When the cops arrived they listened to the lies and then wrote the VICTIM a ticket. Unfortunately, she accepted it and when I met her she was paying the price (literally).

She was a senior citizen and obviously the guy who hit her saw an opportunity to take advantage of her.....

1) i don't believe that there's any state that makes it a requirement the both parties file claims to settle one party's claim;

2) You likely do have a remedy to bring a small claims action for the recovery of your deductible,

3) Contact your state's insurance regulator's office to verify what your rights are and if the regulators can intervene on your behalf if their claims adjustment practices are in violation of law.

I had Progressive Insurance a few years ago. When my 190-E was hit while I was in a gym working out, they were very helpful in processing my claim to have the body work done.... until I decided I wanted the work done at a quality shop rather than a body shop on Progressive's list of approved (cheap) shops. It took them three weeks to "approve" my chosen shop before the work could begin. Luckily I had another Benz in my arsenal to drive in the meantime. Now I'm with Geico and they're much less expensive.

Regarding your accident, I do know that in the Commonwealth of VA, if the accident doesn't appear to have damage over a certain amount (I think $2,000), there is no police report done. You're on your own.

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Current:
2014 VW Tiguan SEL 4Motion 43,000 miles.

2016 Hyundai Santa Fe Sport (wife's).

Past:
2006 Jetta TDI 135,970 miles. Sold Nov. '13.
1995 E-320 Special Edition. 220,200 miles. Sold Sept. '07.
1987 190-E 16 valve. 153,000 miles. Sold Feb. '06.
1980 300-D 225,000 miles. Donated to the National Kidney Foundation.
1980 240-D manual, 297,500 miles. Totaled by inattentive driver.

Ask for someone else at Progressive the person you spoke with is not knowledgeable.

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BENZ THERE DONE THAThttp://www.peachparts.com/shopforum/...c/progress.gif
15 VW Passat TDI
00 E420
98 E300 DT
97 E420 Donor Car - NEED PARTS? PM ME!
97 S500
97 E300D
86 Holden Jackaroo Turbo D
86 300SDL
(o\|/o)

and we all know how that one goes: He said, she said.

We are at the point that we should all have a full video recording system installed in our cars to document accidents. Otherwise, the other guy could easily lie his way out of it......

Interesting....we handled a case exactly like this for a firm in Miami. Our job was to find a witness two years after the fact, with nothing but a cell phone and his name (which we discovered was misspelled). Of course, the cell number was a trac fone that was disconnected.

Same scenario however....at-fault driver paid two people to lie to the officer when he arrived on scene.

Sadly, when an accident occurs, most people are shook up and not thinking clearly. Then comes the police and perhaps an ambulance and the victim is forced to try and think clearly and relay the facts as well as they can to the police. Unless a police officer directly witnesses the accident, they are a third party to it. Which means they have to rely on the stories of the people who were involved. This sets up a scenario where there's a very good chance somebody is going to lie........

Liars liars, pants on fire.

people who do that sort of stuff should be shot....or at least pilloried...

The story ended well.

We located the witness and he recanted his statement.

Sadly, on more than one occasion, I've witnessed the word of a liar taken over the word of an individual trying to relay the real facts. Unfortunately, the system is corrupt and encourages this type of behavior...

The liars know this and so they keep telling lies......

I think that you should follow the advice of your lawyer rather than the advice of a bunch of random people spread across the country who may or may not know what they are talking about. I wouldn't be surprised if the old geezer claims that your boyfriend backed into him and caused the accident. Why didn't he call the police to report the accident?

BTW, unless the old geezer DID cause the accident AND admits to it in court, good luck coming out of the courtroom with a $1,000 judgment, which the defendant never will pay, of course.