A bit of a back story/information is in order else I would leave too many questions unanswered.
I bought a Dodge Magnum from a good friend, we’ll just call him Poop-Pants...just kidding. How about we call him Old Dude. Anyways Old Dude had at
the time two Magnums, a white one and a red one. I love magnums and I was really digging the red one so one day I mentioned to him that he really
didn’t need two Magnums and that I would gladly take the red one off his hands. Yes the SRT8 425hp. Yes, Tor red. Yes, only 53 made. Yes, only 26k
Anyways a few weeks later Old Dude came over and lo and behold the red Magnum was for sale and I got dibs. We made a deal on the Magnum. We agreed on
a payment plan and Old Dude put the title in my name so I could get my own tags-n-stuff. However he kept his name on the title as a lean holder
thingy. We also kept a running tab on my payments (yup Old Dude let me do payments) where he and I would sign every time I made a payment along with
the running balance. Old Dude kept the title and payment log.
Old Dude commenced to looking for another Magnum and found a beautiful blue one around a month before I crashed the red one on Jan 2 this year. And
when he bought that Blue one he accidentally added my red on his insurance (American Family).
I wrecked my car Jan 2 this year. Totaled it, full coverage plus rental. My insurance company (Progressive) towed the car off and set me up with my
A few days later Progressive called me with some bad news. Devastating news actually. They said that they weren’t going to cover my car because
according to them I had given them the wrong VIN number. They then revoked my rental car. I let them know that although it had been approximately five
months since I made the phone call to obtain insurance... “I remember where I was, who I was with and what I was doing very clearly that day. I read
the VIN number directly off the car to the agent while the phone call took place. There was no way I gave you the wrong VIN number.” Note: The VIN
number that I supposedly gave them was from the white Magnum.
She said in so many words...”well I talked to Old Dude and he said he has your red Magnum on his insurance so his insurance company will cover
it.” Old Dude had already informed me of this but I knew I had given Progressive the right VIN number and I felt they either screwed up big time or
they were attempting to deceive me.
“I know you have to legally keep a recording of our conversation that took place, I’d like to hear that recording.” I said. She said she would
obtain that recording, listen to it and get back with me with her decision.
This whole thing is still ongoing so days and weeks pass as these conversations take place.
She finally gets back with me and says that the recording has me giving them the wrong VIN number. I was incredulous. I asked her if I could listen to
the recording and she said that it was an encrypted file and that she didn’t know how she could send it to me. I told her that I would drive to her
office (45 minutes away) and she could play the recording for me just as she did for herself. She then responded that she would have to speak to her
superiors in order to obtain permission to let me listen to the recording. She immediately put me on hold for approximately five minutes. I then told
her not to worry, I would just go through Old Dudes insurance. This was already taking too long and I just wanted to get it covered and over.
Okay so Old Dude and I have been in touch with his insurance company this whole time and they said they were going to pick up the ball on the claim. I
put my insurance company and his in touch.
Well, one day Progressive lady called and informed me that American Family wasn’t going to cover the car because it was sold to me and that they
cover Old Dude and Not me or some crap. Progressive lady said that however
they were going to go ahead and change their mind and cover my
Now progressive is waiting on American Family to send them a copy of my denial letter so that they can go forward with the claim.
I still have yet to hear the recording and Progressive lady hasn’t mentioned it since.
What the hell is going on here?