Progressive Motorcycle Insurance

[SupraSabre]

I fired Progressive, back in 2008, after I had an accident where someone else hit me. They wanted to replace one side of my bike and paint the other side. I called the insurance co. of the person that hit me and they replaced all the plastic that needed replacing.

I went to GEICO, then about two months later, walked my bike backwards into my son's truck, and they took care of it. A few years later, I had someone back into my 2010 and knocked it over. No claim to GEICO, but a claim to the insurance co. of the guy that hit me. Then I had the accident in 2019, similar to the accident in 2008. Another claim made, and I even had gotten GEICO involved at first, but then got a lawyer, since the guys insurance (USAA) was being a PIA to deal with.

I still have GEICO and no plans to drop them.

 

[Ron]

When we had a minor auto accident I asked our (highly recommended) body shop what insurance companies they preferred. I had a list of 'good' companies from consumer reports and a couple of other websites. Surprisingly, the highly rated companies nickle and dimed, delayed payperwork, or were otherwise bears to deal with. IIrc, State Farm was considered by the shop to be very fair in dealing with them (esp in covering unforeseen repairs). We had NJM (New Jersey Manufactureres) insurance but they raised our rates after the one accident. We now have Erie insurance. Both companies covered our cars and motorcycles. Before those two I had Progressive, but my agent lied to me and I will not pay someone to lie. Dumped them in a hurry.

An insurance agent lied to you? I can hardly believe that!!! Surely you jest!

As a mere lad of 17 years, I learned auto insurance was about you paying them to screw you over any and every way they could every chance they got!

 

[Al st1100]

I've had two incidents a couple of years apart, with Progressive. One incident on each bike. One was not my fault, the other was hitting "gravel" in a corner.

They covered both incidents, no questions asked.

If it's not your fault make the claim with the at fault drivers insurance, unless he/she has no insurance. Then there is no claim on your record. You'll be surprised, here a little extra in case or for your troubles. Does this look like $3,000 in damage to my old st?

 

[Uncle Phil]

If it's not your fault make the claim with the at fault drivers insurance, unless he/she has no insurance. Then there is no claim on your record. You'll be surprised, here a little extra in case or for your troubles. Does this look like $3,000 in damage to my old st?

The problem was there was no police report (I looked) because it happened on private property though they were called.
The local cops got me out of way quickly because I was from out of town so it would have probably not went in my favor.
When your own insurance company won't support you, pretty much a lost cause.
I had no damage on my ST1100 (just a mirror cover knocked off by the SUV) but the occupants of the SUV got a nice payout from Progressive for 'bodily harm' - as if my ST1100 really shook up a 6,000 lb SUV - and an outrageous repair bill probably faked from a friend.
Fraud - pure and simple and Progressive rolled over instead of telling them to take a hike!

 

[gunsmoker]

I quit State Farm 2 years ago over their ever-increasing prices, DESPITE Their "Guaranteed Renewal" program that covered longtime customers like me.
I figured, why would I consider it a "feature" to get shafted twice a year, paying nearly twice as much as their competitors like Progressive (or Dairyland, I was told by my agent). But I went with Progressive.

So in December a distracted driver with a Progressive policy ran me over and totaled my ST-1300, and my lawyer says we're going to have to "stack" his coverage with my own policy's coverage to MAYBE, just maybe, cover all my medical bills.... so will Progressive call this TWO CLAIMS under my record?
Maybe 3, since they treat the "property damage" claim separately from the "personal injury" claim?
We'll see.

 

[dwalby]

When everything is bottom-line oriented, you'll never be the winner, only the loser. Your only option is to search for another greedy corporation eager to take your premium payments, but not pay you for the service you paid for in the first place.

 

[Belisaerio]

If it's not your fault make the claim with the at fault drivers insurance, unless he/she has no insurance. Then there is no claim on your record. You'll be surprised, here a little extra in case or for your troubles. Does this look like $3,000 in damage to my old st?

It is my experience that deer are blatantly negligent when it comes to insurance. I've never encountered one with even basic liability. Sorry to sound racist, but it's the truth.

 

[Uncle Phil]

It is my experience that deer are blatantly negligent when it comes to insurance. I've never encountered one with even basic liability. Sorry to sound racist, but it's the truth.

The one that took me out didn't have any either and his estate had no assets ...

 

[HOG SLYR]

Very common practice for most insurance companies, They suck! I had been with Farmers for more than 20 years with Homes, Vehicles and life but had two wind related roof claims in 2 years that totaled less than a single years combined premiums and they dropped me which made it almost impossible to get reasonable home ins for 5 years. I hate insurance companies.

 

[Mykllee]

My daughter used to work for Progressive. Unfortunately, two claims in less than 6 months, along with your age and yes, that's likely gonna be a cancellation. My car insurance started taking a hit in my late 60's because of age. And honestly, I'm surprised it's not the same with my motorcycle insurance (Progressive).
I had a water damage claim this year with Allstate, and while I'm glad I didn't get canceled, they did more than double my rate. Shopping around does no good, as there's an industry list you're put on for 5-7 years after a claim. The hate is real.....

 

[Daboo]

I've heard of where the insurance company will gladly pay out top dollar for your motorcycle accident claim...providing you agree never to ride again. Like that will ever happen...

When I had my accident in June of 24, I had Progressive. Within a couple days, a GS owner on the church's worship team, had his rear caliper come off the bike and take out all the spokes on the rear wheel...at 60 mph in traffic on I-405 in Seattle. We parked next to each other at church, so I was able to keep up on what happened with each of us getting back on the road.

His accident was on Wednesday or Thursday. He had a new GS that weekend and the dealership techs were transferring his farkles from the wrecked bike to the new one that weekend. On the other hand, my accident occurred the weekend before and I don't think I got paid till the following month, about 5 weeks later.

Progressive itemized every individual part that needed to be fixed or replaced and the labor to do it. I think the limit for their payout was about $15K, yet they kept going till they got to a total of about $24K. In other words, in the first week, they knew it was going to be totalled, yet wouldn't make the decision.

I had Progressive. The friend with his GS had Farmers. Hmm...

Chris

 

[MidLife]

AI suggests you might get a different tratment in a different State?

State Regulations: Some states have specific laws preventing insurers from penalizing or non-renewing drivers for accidents where they were clearly not at fault.

 

[Sadlsor]

How about Dairyland - any experience with them out there over the long term (including claims)?

The only experience I had with Dairyland claims was when I was in the Navy, and were stationed in the yards at Norfolk for a few months. My "buddy" totaled my bike during a "just a few minutes" ride, and I then learned when I filed a claim, that they did not cover the state of Virginia.
Yet I had paid for months by check via mail (no interwebs in 1976) all postmarked in VIRGINIA.
This may have been in some fine print somewhere, but I had definitely let them know my change of address to Virginia. They were, as you say, UP, glad to cash my checks but even more reluctant to cover my loss.

I even had gotten GEICO involved at first, but then got a lawyer, since the guys insurance (USAA) was being a PIA to deal with.

I still have GEICO and no plans to drop them.

I was a USAA member for 50 years, then at a renewal time they told me "we don't insure motorcycles." Really? Though I had insured bikes for years before I ever owned a car?
Later learned USAA DID insure motorcycles... through GEICO but payments still went to USAA.

 

[ChucksKLRST]

So Uncle Phil, what did you find out from Dairyland?

 

[Sadlsor]

State Regulations: Some states have specific laws preventing insurers from penalizing or non-renewing drivers for accidents where they were clearly not at fault.

Insurance claims reps may be instructed to always deny the first request.
Almost like, "The answer is NO. Now, what was the question?"
Ever see The Rainmaker?
The Rainmaker is a legal drama based on the 1995 John Grisham novel (and 1997 film) focusing on Rudy Baylor, a young, idealistic attorney in Memphis who struggles against a corrupt insurance company.

 

[Uncle Phil]

So Uncle Phil, what did you find out from Dairyland?

Still fussing with what coverages I want and waiting on a comparable quote from TN Farm Bureau.
Hopefully I hear back from Progressive and my appeal and the other two by the end of this week.
I do not plan to renew with Progressive, I just want to see if they do anything.
I sure don't trust them and really don't see the slimy creatures getting any more of my money - even if the rate is cheaper than the others!
At the end of the day, Progressive does not want my business any more - that's pretty obvious.
They figure they've milked the cow for about all they are gonna get.

 

[Daboo]

You never know how "good" your insurance is till you make a claim.

Another option you may wish to consider is to contact an Independent Insurance Agent. They don't represent only one company like Progressive or GEICO, but represent maybe 10 companies. Present them with the coverage requirements and let them do the shopping. It's in their best interests to shop around and get you the best coverage...or they don't get paid.

My FIL was probably the oldest in Washington state. At 98 yrs old, he was still collecting a couple premiums. Some of his clients were 3rd generation with him.

Chris

 

[Uncle Phil]

You never know how "good" your insurance is till you make a claim.

Another option you may wish to consider is to contact an Independent Insurance Agent. They don't represent only one company like Progressive or GEICO, but represent maybe 10 companies. Present them with the coverage requirements and let them do the shopping. It's in their best interests to shop around and get you the best coverage...or they don't get paid.

My FIL was probably the oldest in Washington state. At 98 yrs old, he was still collecting a couple premiums. Some of his clients were 3rd generation with him.

Chris

BTDT, that is how I ended up with Progressive - through them.
The agency used to be run by a dear friend but he's past on and now their service level is pretty useless.

 

[oude geit]

I've had state farm for 28 years. Maybe not the cheapest but ive had at least a dozen claims....and never had to "resolve" any claims.

 

[drrod]

I have been told by a friend in the industry that "history" of how long you have been with them doesn't hold much sway with insurance companies. Essentially your are evaluated every year as if you are a "new" client. However, your claim history does play a role. His advice...regularly shop for insurance. About every 2 years was his advice.