Does it mean they won't drop you for two claims within 36 months?
Progressive Motorcycle Insurance
- Thread starter Uncle Phil
- Start date
Does it mean they won't drop you for two claims within 36 months?
...could be. When I was doing insurance quotes last night, I realized that my accident was in June 2024. Oops...that's 22 months ago. There's always (or almost always) insurance you can get. My FIL used to also sell high-risk insurance. You paid a fortune for it, but you were insured.
We used to complain that we were treated as a number. Well, you are...especially by the insurance companies. When you had an agent that actually did more than fill out paperwork, you could build that reputation that paid off when you needed someone to help you get a better deal. Now, you're a number. Period.
So if you feel like the insurance company has no loyalty for you...why should you have any for it?
Chris
OP
OP
Uncle Phil
Site Supporter
Beware - those words may become truer that you realize!
Quick update. Just got off the phone with Farmers, Inc. They were @$500 over the cost of Progressive (Flo). Dairyland was @$200 less.
If you're old enough, you'll remember this quote. "It pays to let your fingers do the walking."
(Note: If it seems like I have nothing better to do than sit at the computer, I don't. I'm supposed to sit with my foot elevated and iced after the foot surgery on Friday. So you'll have to put up with me till I can ride again.
)
Chris
If you're old enough, you'll remember this quote. "It pays to let your fingers do the walking."
(Note: If it seems like I have nothing better to do than sit at the computer, I don't. I'm supposed to sit with my foot elevated and iced after the foot surgery on Friday. So you'll have to put up with me till I can ride again.
)Chris
OP
OP
Uncle Phil
Site Supporter
Right now, TN Farm Bureau looks like the winner hands down over Dairyland.
They don't have some of the minor coverages but they do have the main ones cheaper - maybe because I have my house and autos with them.
Waiting for a few more answers from them to verify that I am understanding the quote correctly.
If all goes well I will be 'kissing' Flo and her pack of thieving hoodlums goodbye!
They don't have some of the minor coverages but they do have the main ones cheaper - maybe because I have my house and autos with them.
Waiting for a few more answers from them to verify that I am understanding the quote correctly.
If all goes well I will be 'kissing' Flo and her pack of thieving hoodlums goodbye!
OP
OP
Uncle Phil
Site Supporter
Not very far to be sure - an untimely demise to say the least!
OP
OP
Uncle Phil
Site Supporter
I wouldn't count on it!
I was a 'Platinum' Member - high ranking on their scale of 'those who pay in and do not have claims'.
I guess they moved me down to the 'Fool's Gold' level just before they kicked me off the bus....
ChucksKLRST
Team Colorado
Yes I am old, back then in 1982 when I got my first bike I was 32 years old. Now pushing 77.Wow, Chuck.
You really ARE old.
And here, all this time, I didn't believe you.
Always get a copy of the report any if you can't get one at the moment and take pictures.
Pun intended?
OP
OP
Uncle Phil
Site Supporter
Great advice if possible - but since they didn't file one there ain't one.
And pictures would not have stopped Progressive from rolling over.
There was a very small ding in the front right fender above the wheel well.
ReSTored
Site Supporter
My daughter is an underwriter for a large insurance company that operates nationally.
You were a great client until you weren't. Never 2 without 3, or more in their minds. You've been fired.
Overall, these companies are driven by data and you're just a number in the database. You got flagged, and in spite on decades of premiums paid without a claim you're tagged as being higher risk because you've had 2 incidents. Better to cut you loose now vs. risking a 3rd claim.
You were a great client until you weren't. Never 2 without 3, or more in their minds. You've been fired.
Overall, these companies are driven by data and you're just a number in the database. You got flagged, and in spite on decades of premiums paid without a claim you're tagged as being higher risk because you've had 2 incidents. Better to cut you loose now vs. risking a 3rd claim.
Memories!So long ago... pretty sure that was how I bought Dairyland from the Suzuki dealer, that same year.
Because I couldn't afford the Honda CB-750/4. It was 20% more money for a struggling high school kid.
1973 Suzuki GT-550, looks just like mine but not mine. I added a nice white Windjammer III fairing to the one I had... Birmingham to Orlando, Orlando to New London CT, New London to Norfolk VA, etc., etc.
So long ago...
My younger brother-in-law rode his CB160 Honda from Lafayette, Louisiana to our house in West Palm Beach, FL in 1982. Made it all the way with no issues but would not start back up one morning. Don't remember where it ended up.