posted on Dec, 22 2013 @ 01:16 PM
reply to post by demonid011
I had Progressive for TEN YEARS. I had no accidents in that 10 yr period until March of 2012. I was hit by a drunk driver who hopped a median and hit
me head on. Yea not fun....I still have neck and back problems, ones i never had before.
Well ALL that money I paid for insurance I HAD to have did me absolutely NO GOOD when I had to use it! I was beyond pissed. No doctor would accept my
PIP (personal injury protection) insurance, which I paid $174 a month for. Yea BASIC coverage on my 1998 Mustang cost THAT much! So, after 3mths of
looking i found one doctor who would take it but he seemed hesitant. I went to his office and he was so rude! He made it clear he didn't like
accident patients because PIP was slow and they had to do "more" work and get paid less. UM I thought doctors went to be doctors to HELP people not
become rich. He treated me like crap and did a half arse job too. I was charged for a full visit which was suppose to be an hour and he saw me for
20mins! I was also charged for a cheap neck brace, $80 bucks. I could have made that damn thing from the Wal Mart craft section for 10 bucks. He
ordered no x-rays or MRI's. None.
I had to go to physical therapy and well that ate up all my money in about 3 weeks. I had $10k in PIP insurance, which doesnt go far. It was $300 a
visit for my PT and i went 3 times a week! WHY it was that much when he didn't do anything to me that I couldn't have done AT home is beyond me. It
was for an hour 3 times a week. I had to stop going when they wanted to bill ME because my insurance ran out. Yea because I can afford almost $1000 a
Next came my "settlement" and that was also a joke. I only got $6k which isn't a lot at all. I still hadn't had ANY MRI's which I desperately
needed and only recently 2wks ago FINALLY got them with my current insurance through my husband. I was very unhappy with the settlement and i
couldn't afford a lawyer, they all wanted up front fees that I didn't have and those "free consultations" are NOT free! I did a couple and they
weren't even with lawyers but "sales people" as I called them who worked for the lawyer. They couldn't even give me any legal advice yet they
wanted me to sign a 20 page contract WITHOUT any legal advice?! How messed up is that?! I called out the one lawyer for it. His ads run like crazy
here and he is always saying NEVER sign anything without legal advice yet he asks you to do what he tells you NOT to do! I am sure many people sign
that line and are severely screwed in the end.
I wanted $10k to cover my bills and anything else that I still needed to do. The lady had the NERVE to tell my accident wasn't worth that amount. UM
I could have been KILLED and she is telling me $10k isn't worth it? I was traumatized when it came to driving. I still flinch when driving on the
inside lane and cars are coming from the other direction, median or not! This kid hopped the median so they don't really make a difference. I still
don't like to drive ESP on the highway. I get very nervous and have anxiety. I use to love to go out and about but not anymore. You would have
thought I asked for $100k. I finally settled with them because I was tired of going back and forth with them.
Insurance is an utter scam imo. If you calculate what I spent in those 10yrs paying them monthly I paid OVER 10k so I should have gotten what i asked
for. I paid them that and then some over the 10yrs I had them.
I have since switched to Geico and they are sooooo much cheaper. We have both the Mustang and PT insured with full coverage and roadside assistance
and we pay $120 a month. I almost fell over when they gave me the rate. I was fully prepared to have jacked up rates like i did with Progressive. I
picked Progressive 10yrs ago because they were the "best" around. Well that is a crock! Now I know why this one guy drove around with "PROGRESSIVE
DOESN"T PAY OUT CLAIMS" on the side of his truck. It was done in a professional manner. I can only imagine how badly they screwed him to have done
that to his truck.