Progressive is total crap. My friend had her new car insured via them, 3 months later the car was rear ended and totaled, while it was parked on a city street!!! Progressive adjuster totaled the car, yet they denied the claim because the car was not being driven by her at the time of the accident, it was parked. They told her to get a lawyer and sue the other driver and their insurance company for the cost of the car and have a nice day. Then they cancelled her policy that same day!!! She ended up getting a lawyer and sued the other driver, their insurance finally paid her blue book value for an 3 month old car with only 1850 miles on it. They screwed her out of thousands, she blames Progressive and is also suing them for the difference in what was paid versus the replacement cost of another new car (same model, make, year, and even color!). This has been ongoing for two years. Your not alone!!!
Here in PA, if you file an auto accident claim your insurance will go up for a minimum of 3 years. In some cases it can be 5 years. Complain to your state insurance commission. Also, you are paying for all those insurance company TV commercials.
This is not an insurance story but a chain body shop story. Long ago a friend of mine which happened to be my x wife had a bumper cover issue on her 75000 mile Mercury Sable. The side retainer came loose from the rear quarter panel and would flop around while driving. She went to a highly advertised large body shop that had 3 or 4 locations at the time. They estimated about between $1800 and $2000 to replace the bumper cover and paint it. There was nothing wrong with the bumper cover. Not even a scratch or chipped paint. Just the retainer that they also had 2 of in the estimate. She was told the only way to repair was to replace and paint. My dad had a friend that owned a well talked about neighborhood body shop that I took her to. They had been in business for over 50 years. Derick gave her a price of $75 to replace just the retainer. Parts and labor. It took him 10 min to repair but we left the car over night for the adhesive to fully set. It survived the next 10 years or so and it survived the agony of being my youngest Daughters first car. It went to the scrap yard with 250,000 miles on it and the rear bumper retainers in place even after a rear end collision. I am definitely not an advocate of repairing everything but all situations have to be evaluated and options presented if there are any.
I also had Prog insurance for 16 years. No claims, no late payments, no traffic violations...no contact with them other than to pay the bill every 6 months. I was driving unknowingly without insurance for two weeks when they sent me a notice that my policy was cancelled two weeks before I received the notice. They blamed ME, that I was the one that cancelled it! They surprisingly sent me a refund for the remaining two months left of the policy.
I hit debris in the roadway in my Honda Civic and busted the plastic front bumper. When I found out what it was going to cost to replace bumper I laughingly said that I will just duct tape it. The body shop suggested using screws to stabilize it which worked fine. The car was in good shape but had 200,000 miles on it and liability insurance only. I recently gave it to my nephew for commuting…36 mpg as opposed to his truck at 15mpg. Ten years ago he was ribbing me about my bumper screws but he is delighted with it and plans to pass on to his daughter next year when she turns 16.
I'd file the claim, get the check, and then don't fix it. Put money in bank and drop to liability coverage. You now have down payment for new truck. Shop around for new insurance--it can save you some serious money.
I always said if you don’t use any of your insurance benefits you should get money back at the end of the year. Yet it always goes up even if you don’t use it. Probably 1 claim in the past 15 years and that’s because some dude backed up and hit me in a Dunkin drive thru
I don’t agree with money back with no claims, however, if your claim free you should be considered a good repeat customer and receive a discount for each year your claim free. 5% discount per year to a 25% cap. If you switch companies it resets to zero to start again.
Your risk assessment goes up with every claim filed. Rates will increase proportionately to the amount of claims one files. You want to avoid the high risk insurance pools - they are ridiculously expensive.
Years ago I went to body shop to fix the rear quarter panel of my wife's car. They said the same thing, we have to cut out and replace the entire panel instead of repairing it. They charged the insurance company for the big repair. I got the car home and a friend of mine who worked for GM as a parts guy looked at the car and had me pull the carpet from the side of the fender. Turns out, they did not replace it, they fixed it but charged for replacement. A few yrs later, the body shop and some of the insurance companies were sued and criminally charged with fraud and believe it or not, some of the local police were caught up in the scam as well.
I'm with ERIE. Had a $12k homeowners claim and was only with them for about 5-6 years. Thought that I would get cancelled or rate increase. No to both. Very pleased with them.
Cheap insurance is great till the money goes in the opposite direction. A good repair shop can fix that damage without a new 1/4 panel. (I know I could)
Take it to other shops tell them you don’t have collision or you don’t want to file and you want the damage repaired not replacing the panel, they can try to pull it out.
You are right,I called my insurance company several times about my insurance going up on my 2 older vehicles,I had full coverage on one vehicle,I dropped it and just got liability,try to save the money instead of paying higher insurance,and then pay to have it fixed.
@ProleDaddy NO... you're guessing wrong. It's kind of insultive, actually. The topic is how insurance screws us over. I got injured on a job site, and everything was legit. The injury was notable and didn't heal, and I needed surgery. Everything was lined up for surgery but the day before I was to go into surgery, the insurance company suddenly denied the claim.(Au*o-O**ers Insurance in Utah/ Workman's comp) I had to hire a lawyer and go through all the crap to get a settlement. And then pay for my own surgery. Insurance companies have a deceptive advantage by just rejecting so many claims and letting them fall through the cracks, hoping the victims won't stand up for themselves. Don't be such a presumptive a**hole. And by the way, my boss needed me back to work so badly and wanted me back. He complained that he paid into this insurance for 15 years for me, and this was his first claim with me. After I was healed from the injury, I went back to work for my employer for several years, completing a 37-year remodeling career.
Okay, first, It's Progressive. The name alone should tell you what they're about. Insurance works like this: They want FREE money coming in, but plan for NOTHING to go out. If they are forced to keep their end of the bargain, they want to somehow get you to pay your own claim in higher reinsurance. 2. Never file the claim when the accident is your fault. 3. Find a paintless dent repair specialist. The body shop is jacking you here. This can absolutely be fixed, for a lot less You can bend that bumper back with a come along.
If there is a police report, theyve already raised your rates. Plus if theres a report then it will show up on carfax and the vehicle is now worth less as it has been in an “accident”. Imho never report a one vehicle accident
My wife's car was seriously damaged by two hit and runs in public parking lots. N. J. Manufacturers Ins Co paid both repairs for over 5K. No increase in our premium.
I buy junk cars and only have liability insurance. You can only do this if you own the car outright. If some one hits me, I just call a tow truck and sign the car over to them as payment for the tow. I then get another 5-8 hundred dollar car and start over. It has saved me a fortune.
Years ago, I had farmers homewoners insurance. My house was robbed, I filed a claim. Then my rates went way up. I attempted to change insurance companies. That's when a company I was considering to change to told me that I had been flagged as a high risk because of the burglary and that I would remain on the high risk status for at least 3 years and my rates would remain high during that time. The agent told me that there is a system in place where all the insurance companies can and do communicate with each other regularly. I'm sure the same goes for auto insurance. Rigged? You bet it is
This is the reason so many people defraud insurance companies (or try to). The business model of insurance is to defraud the customer, if you do it it's illegal. Insurance companies poured millions into lobbying to extort the public, that's way more expensive than advertising. People should know this stuff but most don't.
Some time back I was hit by a drunk driver who was "insured" by Progressive. In my 66+ years, that's the only time I've ever filed a lawsuit (& BTW, I prevailed). This was after I saved them over $2K on the repairs & had the truck back 2 weeks to the day of the crash, saving them on rental truck. They even tried to replace a nearly new Michelin tire with a cheap "no-name", Ford dealer refused to mix tires on my truck. Rather than replacing the side panel on my pick-up box, I got a brand new "take off" bed at a local work truck body dealer, installed, for less than half the repair estimate. Personally I only do business with an independent agent who represents several different insurance companies. My personal coverage is through Central Mutual & commercial coverage is through Travelers.
The funny thing is that back in the 80s, I filed a claim and my insurance went down, now back then I did not have to have insurance. my agent said it was because they plan for a claim every 10 years, and in 15 years it was my first, so I got the discount.
The way the system works for insurance of any type is like for his homeowner's claim back in Texas. There was paperwork documentation to show that the tree was considered a hazard and was not properly taken care of and when it caused damage. Since he did nothing to mitigate the damage by having the tree properly trimmed or removed, they held him responsible and probably deemed him to be responsible. Having gone through this myself with car insurance, if you hit an animal or something like that, especially if it's night time and they consider it to be an act of God. It doesn't raise your insurance or if your insurance goes up with your Comp and collision insurance. It won't go up a whole lot on a monthly basis due to that claim. Maybe a maximum of 10% but in the case of this where it is a multi-vehicle accident but it is the trailer being turned into the truck that is pulling it. Yes, it was a completely avoidable accident. Yes, he will be found at fault. And yes, I can assure you that this will raise his insurance prices by a considerable amount if he files a claim. This is definitely one of those things that he should self-insure on most likely, especially considering the fact of the matter is this cannot be seen as an act of God, which if it is seen as an act of God means that it is a no-fault accident and as long as you the policy holder are not found at fault, the claim itself will not increase your insurance rates. As long as you the policy holder, the insured are not found at fault. If you, the insured or the policy holder are found at faults staying with that insurance agency, it will raise your rates if it is a preventable accident. Whoever is found at fault is the one who gets to pay for it in the end, even if it is a single vehicle accident and the vehicle operator is found at fault then that raises that vehicle operator 's insurance rates at renewal time also, if you do not have car insurance and you are involved in an accident, especially if you were the one found at fault, what could be as simple as $1,000 in damages means that it could cost you $10,000 plus dollars in court costs and fees when the person comes after you and sues you for the cost of damages to their vehicle and that is just what it would end up costing you to pay for the damages to their vehicle. If they claim something like pain and suffering that would add thousands more. If not tens of thousands more to the amount that innocent party the non-outfault party would be able to sue you for which is part of why we have to have car insurance to drive on the road to make sure that if something does happen and we are in an accent or do cause damage. Our insurance can at least pay for part of if not all of the repairs to the other person's property or vehicle which could save us from being sued for tens of thousands of dollars as a private citizen That's why we have to have car insurance and it protects people from being sued all the time there's so many car accidents with property damage involved in the US that do end up going through an insurance company that end up being easy for people to deal with and not requiring people to sue other people cuz remember just to get a lawyer to think about taking your case. They're either going to want to take a decent chunk of what you're going to be awarded or they're going to want. Probably a $5,000 fee up front just to start on your case and thousands of dollars more to complete your case and come to a settlement or win a court trial in which case you may still be liable for paying that lawyer and you may not be able to get your lawyer fees back from that case. But most likely you would be awarded some money for lawyer fees. But what turns out to be $3,000 in damage ends up being a lawsuit that costs over $30,000. If we didn't have insurance because lawyers would have to get involved and their fees and the court costs associated with it would balloon.
As for fixing the massive dent and tail light. YES IT'S REPAIRABLE W/O REPLACING THE BED SIDE. The "body shops" today won't do it because its A)a little faster/slughtly less labor to replace vs repair and B) insurance usually won't cover a repair. But if you take it to a real body shop they do have methods for pulling that dent out, may need minor paint work/blending of the paint for it to match and replace the tail light. Simple repair in the grand scheme of things. Less invasive than replacing the entire bed side. Side story. 2000 S10 I bought new in 00. Hit a mail box and caved in the RF fender and broke the aluminum wheel when i hit the culvert. Took to a real independent body shop and back then all in for them to pull the dent, skim fill and paint and replace the wheel it was $1000. It can be done. Just gotta find the right shop willing to do it your way, not the way today's books say it should be done.
What are the chances of finding a bed in a salvage yard with less damage or no damage?? Just asking. I’m going on seventy years old and I have never had to file a claim yet. I probably shouldn’t have said that I may have just jinxed myself. 😡🤬 Where I’m at there’s a business that decks out company trucks with service bodies and he’s always got the new beds he removed in a lot next door and sells the beds from trucks.
As a licensed insurance adjuster for years, I can tell you that this isn't true. I've also had personal insurance with Allstate, State Farm and Progressive. I've filed claims with each. Never had any issues. If your rates do go up after 1 incident, whether you're at fault or not, it's probably due to an annual increase that has nothing to do with your incident. There are many reasons that an insurance company could deny your claim. It's all in the policy. However, it rarely happens. If you have any legitimate issues, file a complaint with the Department of Insurance.
@@FrugalMeScott LOL. If you only knew how much I hate my job dealing with people like yourself. I welcome getting unemployment if that ever happens. I have 0% loyalty to the company I work for.
@@FrugalMeScott I don't know. How could I? Without all the facts, there's no way to say. I'm guessing they're part truth or misunderstandings. Either way, without all the details, I cannot answer your question.
@@cameronrautmann2761 my apologies for being harsh. We are sick of what’s going on and yes, I communicate with great friends in the insurance business. They are frustrated as well.
Let's all push for socialized insurance; insurance for the people and by the people and remove corporate greed. They have it in Florida and California. Problem solved.
But insurance companies have no problems spending 90 million dollars a year for commercials on tv to sponsor sporting events. That's just one 1 insurance company.
We know who the companies are .... and what they do..... nothing will ever be done ... congress would have to act and they are not gonna do anything because they get money from the insurance companies.... 😮
In SC you get insurance points based on tickets and accidents that are your fault. It raises the rates a set amount for 3 years. Don't know how GA is, will ask my sister who lives there. That said, YOU caused the damage and you deserve some penalty for that. Since it was your fault and it is somewhat minor, you should pay out of pocket or leave it like it is. In every insurance, your rates are based on your risk. If you file this, you show Progressive that you are a bigger risk. You fix that by NOT driving carelessly in a rain storm while pulling a trailer.
Why would anyone insure with Progressive? It seems they spend more on advertising than on settling claims. I insure with AMICA. Never any problems in the last 60 years even when I wiped out 2 sports cars in 1 year. USAA is also rated highly.
Yeah it all goes hand in hand. Auto or home. They want to take the money for years and years and years but they don’t want to pay it back! Secondly, liability insurance only doesn’t save you that much money. They price it high so your force to pay for full coverage. What’s a one hundred dollar savings from having full coverage. It’s nothing!
Yeah, I agree, insurance is a scam. But as someone who was in the auto body and paint industry, that panel can be repaired. You just need to find the right shop. Get multiple quotes. You will be surprised at how much they differ from each other. And make sure they are looking for hidden damage. You don’t want to get a low ball estimate and then get a costly surprise in the middle of the repair.
Make sure you tell people NOT to ever call their insurance when inquiring about a possible claim. They will count it even if you don’t file. Call your agent, not the company. It increases your risk assessment value which increases your insurance costs. Replacing a damaged quarter panel requires less labor than trying to work out all the dents/damage. Parts/labor are expensive. If you know someone who can do the work professionally, one can usually get it done more reasonably in cost than through a dealer or an insurance repair center. Sorry you are having to deal with this.
We have to have auto insurance to drive legally do to regulations whole the auto insurance companies are not regulated at all! There is not a single honest auto insurance company in this country! I hate them all! No, there are no better insurance companies, they are all the same! All the auto insurance ask question designed to jack up your insurance rates that have nothing do do with your mental or physical condition, your vehicle condition or your driving record! Like are you married. Do you live in a house or apartment and what is your credit rating, even if you are not bundling and paying up front! They Are all criminal scammers and they get away with it! I want them all to go out of business! I hate them all! We all are just chumps to them!
Insurance companies also know automatically When you send a text message in your Moving vehicle, That's why a lot of people cannot figure out why their insurance rates have quadrupled 😂
Now that you've posted this for all to see, they will raise your insurance because you've been in an accident, no matter that you didn't make a claim...
Any body guy will be able to pull that out. It’s not that bad. Check with other shops. If it goes up, switch companies. I was with State Farm for 25 years. Once they started raising my rates with no claims, they went bye bye.
I would not pay the auto insurance mobsters shakedown at all, but that would make me the criminal!! It's a racket b almost beyond belief, if it were not America!
A few years back a mouse got in my timing belt and blew my motor mouse was still in the belt. Paid 500 deductible covered a few years ago my wife went off the road in the winter paid 500 deductible over 2500.00 damage covered. Emerald progressive member insurance has never gone up has actually gone down few bucks a year here and there.
Think about this 22 million registered vehicles in Texas... say ok that 1 state...😊 sooooo 22 million times 150 bucks a month ....... average I'm sure people pay more ...... that 3.3 BILLION A MONTH 😊 LET THAT SINK IN....😮
You can fix that yourself, pull or push out the worst of it, fill the rest, them you can het touch up paint mixed up and put into a spray can. It won't be perfect but not terribly noticable. Body shops have become collision shops only, small private jobs, rust repair etc, have become unnafordable. I find the while insurance thing has gone crazy, gone to a complete no fault system. You can be totally innocent and get hit one would think the guilty party's insurance would be responsible right? Nope. Neighbours tree falls on you property, his insurance will pay right? Not necessarily. Nuts. I bought a camper and asked if its attached to my truck amd someone rear ends me - the persons insurance will pay right? Nope. Terrible system and accountabilty is gone.
you pull thatout-get a slide hammer and drill some holes and pull-start first with a glass sucking cup and see what that does-the more you cn pull the less the body repair will bee if you take it to the shop
Same with Travelers…. The idiot was on the phone. Cut me off the highway his fault 100% …. I get a totaled truck .. 1992 Dodge .. im left handed. My neck my shoulder and my arm was totally mucked up …. Some how. Some way. I became right handed …. So any medical procedure involving my left side …. Already a PRE EXISTING CONDITION….
Depends how that was done ..... did someone hit you in a parking lot when you wasn't in the vehicle.... that would not be your fault.... should be covered 😊
Don’t fix it. If it’s safe to drive, keep driving and hope someone hits you and you can claim against their insurance. This strategy worked for me not once, but twice! PS your insurance may increase simply because you spoke to your insurer. This happened to me once when I reported a home break in and theft, but did not follow through with the claim. They doubled my home insurance anyway!
They ARE making a profit!!! They want to keep that profit!! I've paid for donkey years and they have never paid anything out from me! What happened to that money!?? In tha pocket!!!!
the (business) algorithm says ... 'you cannot send OUT more money than you take IN' the in MUST be greater than the out ... repeat after me ... in > out 🥴
Your wrong the insurance company never lose money they have billions already ahead of the game from people like you & my self & millions other people !!
Filing a claim will ALWAYS increase your rates. No body shop is going to waste labor hours fixing something that can be unbolted and replaced. With labor being $175/hr, you won't find much savings in repair vs. replace. Crying and complaining about how it's handled isn't going to change that.
Progressive is total crap. My friend had her new car insured via them, 3 months later the car was rear ended and totaled, while it was parked on a city street!!! Progressive adjuster totaled the car, yet they denied the claim because the car was not being driven by her at the time of the accident, it was parked. They told her to get a lawyer and sue the other driver and their insurance company for the cost of the car and have a nice day. Then they cancelled her policy that same day!!! She ended up getting a lawyer and sued the other driver, their insurance finally paid her blue book value for an 3 month old car with only 1850 miles on it. They screwed her out of thousands, she blames Progressive and is also suing them for the difference in what was paid versus the replacement cost of another new car (same model, make, year, and even color!). This has been ongoing for two years. Your not alone!!!
Wow just wow .... not surprised 😮
@@benbogg5430 these companies are simply not held to accountability! Thank u for sharing.
Here in PA, if you file an auto accident claim your insurance will go up for a minimum of 3 years. In some cases it can be 5 years. Complain to your state insurance commission. Also, you are paying for all those insurance company TV commercials.
@@jerryhoare8198 very good information and thank u!
Its A RIGGED system!
@@cynthiaduckworth531 yea
Mandatory auto in Florida. When I was in Alabama where it's not, 1/4 the price.
@@JonAncel good input. Thank u.
It's called capitalism and it's working just as it was designed. We're just in later stages of power consolidation.
I just run liability and pay out of pocket for any damages or losses. Keep the savings in my pocket for any potential repairs.
@@mph5896 I will be doing the same. Self Insure!
This is not an insurance story but a chain body shop story. Long ago a friend of mine which happened to be my x wife had a bumper cover issue on her 75000 mile Mercury Sable. The side retainer came loose from the rear quarter panel and would flop around while driving. She went to a highly advertised large body shop that had 3 or 4 locations at the time. They estimated about between $1800 and $2000 to replace the bumper cover and paint it. There was nothing wrong with the bumper cover. Not even a scratch or chipped paint. Just the retainer that they also had 2 of in the estimate. She was told the only way to repair was to replace and paint. My dad had a friend that owned a well talked about neighborhood body shop that I took her to. They had been in business for over 50 years. Derick gave her a price of $75 to replace just the retainer. Parts and labor. It took him 10 min to repair but we left the car over night for the adhesive to fully set. It survived the next 10 years or so and it survived the agony of being my youngest Daughters first car. It went to the scrap yard with 250,000 miles on it and the rear bumper retainers in place even after a rear end collision. I am definitely not an advocate of repairing everything but all situations have to be evaluated and options presented if there are any.
@@garyradtke3252 well said and thank u for the story!
I also had Prog insurance for 16 years. No claims, no late payments, no traffic violations...no contact with them other than to pay the bill every 6 months. I was driving unknowingly without insurance for two weeks when they sent me a notice that my policy was cancelled two weeks before I received the notice. They blamed ME, that I was the one that cancelled it! They surprisingly sent me a refund for the remaining two months left of the policy.
@@user-bg2oi4bz3p these ugly stories are pouring in! Thank u.
I hit debris in the roadway in my Honda Civic and busted the plastic front bumper. When I found out what it was going to cost to replace bumper I laughingly said that I will just duct tape it. The body shop suggested using screws to stabilize it which worked fine. The car was in good shape but had 200,000 miles on it and liability insurance only. I recently gave it to my nephew for commuting…36 mpg as opposed to his truck at 15mpg. Ten years ago he was ribbing me about my bumper screws but he is delighted with it and plans to pass on to his daughter next year when she turns 16.
@@lorihamlin3604 they last forever!
I'd file the claim, get the check, and then don't fix it. Put money in bank and drop to liability coverage. You now have down payment for new truck. Shop around for new insurance--it can save you some serious money.
@@jock699 well said and thank you!
Point is you pay for insurance...you should be able to make a claim ...without being penalties 😊
I always said if you don’t use any of your insurance benefits you should get money back at the end of the year. Yet it always goes up even if you don’t use it. Probably 1 claim in the past 15 years and that’s because some dude backed up and hit me in a Dunkin drive thru
I don’t agree with money back with no claims, however, if your claim free you should be considered a good repeat customer and receive a discount for each year your claim free. 5% discount per year to a 25% cap. If you switch companies it resets to zero to start again.
@@nimrod275 oh ok sorry about that
Your risk assessment goes up with every claim filed. Rates will increase proportionately to the amount of claims one files. You want to avoid the high risk insurance pools - they are ridiculously expensive.
Point of capitalism to make profit, not expenses.
Years ago I went to body shop to fix the rear quarter panel of my wife's car. They said the same thing, we have to cut out and replace the entire panel instead of repairing it. They charged the insurance company for the big repair. I got the car home and a friend of mine who worked for GM as a parts guy looked at the car and had me pull the carpet from the side of the fender. Turns out, they did not replace it, they fixed it but charged for replacement. A few yrs later, the body shop and some of the insurance companies were sued and criminally charged with fraud and believe it or not, some of the local police were caught up in the scam as well.
@@dennispitcher8437 I’m not surprised. These people are brutal!
I needed a windshield replaced years ago. The glass shop refused to deal with Progressive.
@@jpsfudimo3082 it may be because progressive insisted on the “ short cut install”.
I'm with ERIE. Had a $12k homeowners claim and was only with them for about 5-6 years. Thought that I would get cancelled or rate increase. No to both. Very pleased with them.
@@mikenonya6382 thank u for that information!
My Son was screwed over by Progressive ...... they're all asking for Government Regulation
@@massacmongo995 it’s definitely out of hand.
Cheap insurance is great till the money goes in the opposite direction. A good repair shop can fix that damage without a new 1/4 panel. (I know I could)
Take it to other shops tell them you don’t have collision or you don’t want to file and you want the damage repaired not replacing the panel, they can try to pull it out.
You are right,I called my insurance company several times about my insurance going up on my 2 older vehicles,I had full coverage on one vehicle,I dropped it and just got liability,try to save the money instead of paying higher insurance,and then pay to have it fixed.
@@marksreviewsandrants8554 thank u for the input.
The workman's comp insurance system is even more rigged. I've been injured a couple of times, and it's a nightmare😮
@@timothyortega5608 I’ve actually heard that!
I'm guessing your employer is contesting your injury claim?
@ProleDaddy NO... you're guessing wrong. It's kind of insultive, actually. The topic is how insurance screws us over. I got injured on a job site, and everything was legit. The injury was notable and didn't heal, and I needed surgery. Everything was lined up for surgery but the day before I was to go into surgery, the insurance company suddenly denied the claim.(Au*o-O**ers Insurance in Utah/ Workman's comp) I had to hire a lawyer and go through all the crap to get a settlement. And then pay for my own surgery. Insurance companies have a deceptive advantage by just rejecting so many claims and letting them fall through the cracks, hoping the victims won't stand up for themselves.
Don't be such a presumptive a**hole. And by the way, my boss needed me back to work so badly and wanted me back. He complained that he paid into this insurance for 15 years for me, and this was his first claim with me. After I was healed from the injury, I went back to work for my employer for several years, completing a 37-year remodeling career.
How about taking the body off and replace it with a steel flatbed ?? Sell camper top?
@@cajunjamis9001 great idea!
I love a good flat bed!!!
My uncle said his insurance was cheaper after he made his pickup into a flatbed.
@@maxxedout2020 that’s a great idea! Thank u!
Okay, first, It's Progressive. The name alone should tell you what they're about. Insurance works like this: They want FREE money coming in, but plan for NOTHING to go out. If they are forced to keep their end of the bargain, they want to somehow get you to pay your own claim in higher reinsurance.
2. Never file the claim when the accident is your fault.
3. Find a paintless dent repair specialist. The body shop is jacking you here. This can absolutely be fixed, for a lot less You can bend that bumper back with a come along.
toilet plunger will take most of that out
@@richardcranium5839 I will plunge it!
@@FrugalMeScott We are not teenagers anymore so the repair does not have to be perfect, just functional.
That can be fixed without replacing the whole side of the bed!
Go look for a bed in the junkyard. Insurance is a rip-off!
EVERY insurance policy I have has doubled in the last 3 years. Every year...20,30, 40%. WE NEED LEGISLATION TO REGULATE INSURANCE COMPANIES!
@@rmb6604 something definitely needs to change.
I worked at a body shop for a few years,, one would be surprised what a dent puller and a can of bondo will fix.
If there is a police report, theyve already raised your rates. Plus if theres a report then it will show up on carfax and the vehicle is now worth less as it has been in an “accident”. Imho never report a one vehicle accident
@@jaystengel7511 well said.
My wife's car was seriously damaged by two hit and runs in public parking lots. N. J. Manufacturers Ins Co paid both repairs for over 5K. No increase in our premium.
I buy junk cars and only have liability insurance. You can only do this if you own the car outright. If some one hits me, I just call a tow truck and sign the car over to them as payment for the tow. I then get another 5-8 hundred dollar car and start over. It has saved me a fortune.
@@stephengreen3566 I love that idea!
Years ago, I had farmers homewoners insurance. My house was robbed, I filed a claim. Then my rates went way up. I attempted to change insurance companies. That's when a company I was considering to change to told me that I had been flagged as a high risk because of the burglary and that I would remain on the high risk status for at least 3 years and my rates would remain high during that time. The agent told me that there is a system in place where all the insurance companies can and do communicate with each other regularly. I'm sure the same goes for auto insurance.
Rigged? You bet it is
@@BS-oi7ts that is absolutely correct. Years ago it was called “clue”.
What’s the cost of a used bed and paint to match?
a lot if you can find one not rotted out. paint and materials went up 125% in the last year.
A natural dent looks better than one that's been all butchered up
@@doglegjake6788 I agree!
If It’s a work truck. I wouldn’t bother fixing that.
@@ItsTheCostanza I agree!
This is the reason so many people defraud insurance companies (or try to). The business model of insurance is to defraud the customer, if you do it it's illegal. Insurance companies poured millions into lobbying to extort the public, that's way more expensive than advertising. People should know this stuff but most don't.
@@emanruoy I absolutely agree!
An insurance sales person once told me that YOU should be looking for a new insurance company every 5 years or so to keep your rates low.
Some time back I was hit by a drunk driver who was "insured" by Progressive. In my 66+ years, that's the only time I've ever filed a lawsuit (& BTW, I prevailed). This was after I saved them over $2K on the repairs & had the truck back 2 weeks to the day of the crash, saving them on rental truck. They even tried to replace a nearly new Michelin tire with a cheap "no-name", Ford dealer refused to mix tires on my truck. Rather than replacing the side panel on my pick-up box, I got a brand new "take off" bed at a local work truck body dealer, installed, for less than half the repair estimate. Personally I only do business with an independent agent who represents several different insurance companies. My personal coverage is through Central Mutual & commercial coverage is through Travelers.
@@carrolltank6162 excellent information and thank you!
There job is to charge you as much as they can .... and then when something happens the job becomes to pay as little as they can .....😊
The funny thing is that back in the 80s, I filed a claim and my insurance went down, now back then I did not have to have insurance. my agent said it was because they plan for a claim every 10 years, and in 15 years it was my first, so I got the discount.
The way the system works for insurance of any type is like for his homeowner's claim back in Texas. There was paperwork documentation to show that the tree was considered a hazard and was not properly taken care of and when it caused damage. Since he did nothing to mitigate the damage by having the tree properly trimmed or removed, they held him responsible and probably deemed him to be responsible. Having gone through this myself with car insurance, if you hit an animal or something like that, especially if it's night time and they consider it to be an act of God. It doesn't raise your insurance or if your insurance goes up with your Comp and collision insurance. It won't go up a whole lot on a monthly basis due to that claim. Maybe a maximum of 10% but in the case of this where it is a multi-vehicle accident but it is the trailer being turned into the truck that is pulling it. Yes, it was a completely avoidable accident. Yes, he will be found at fault. And yes, I can assure you that this will raise his insurance prices by a considerable amount if he files a claim. This is definitely one of those things that he should self-insure on most likely, especially considering the fact of the matter is this cannot be seen as an act of God, which if it is seen as an act of God means that it is a no-fault accident and as long as you the policy holder are not found at fault, the claim itself will not increase your insurance rates. As long as you the policy holder, the insured are not found at fault. If you, the insured or the policy holder are found at faults staying with that insurance agency, it will raise your rates if it is a preventable accident. Whoever is found at fault is the one who gets to pay for it in the end, even if it is a single vehicle accident and the vehicle operator is found at fault then that raises that vehicle operator 's insurance rates at renewal time also, if you do not have car insurance and you are involved in an accident, especially if you were the one found at fault, what could be as simple as $1,000 in damages means that it could cost you $10,000 plus dollars in court costs and fees when the person comes after you and sues you for the cost of damages to their vehicle and that is just what it would end up costing you to pay for the damages to their vehicle. If they claim something like pain and suffering that would add thousands more. If not tens of thousands more to the amount that innocent party the non-outfault party would be able to sue you for which is part of why we have to have car insurance to drive on the road to make sure that if something does happen and we are in an accent or do cause damage. Our insurance can at least pay for part of if not all of the repairs to the other person's property or vehicle which could save us from being sued for tens of thousands of dollars as a private citizen That's why we have to have car insurance and it protects people from being sued all the time there's so many car accidents with property damage involved in the US that do end up going through an insurance company that end up being easy for people to deal with and not requiring people to sue other people cuz remember just to get a lawyer to think about taking your case. They're either going to want to take a decent chunk of what you're going to be awarded or they're going to want. Probably a $5,000 fee up front just to start on your case and thousands of dollars more to complete your case and come to a settlement or win a court trial in which case you may still be liable for paying that lawyer and you may not be able to get your lawyer fees back from that case. But most likely you would be awarded some money for lawyer fees. But what turns out to be $3,000 in damage ends up being a lawsuit that costs over $30,000. If we didn't have insurance because lawyers would have to get involved and their fees and the court costs associated with it would balloon.
@@MrTrevorkemp thank u for your input!
As for fixing the massive dent and tail light. YES IT'S REPAIRABLE W/O REPLACING THE BED SIDE. The "body shops" today won't do it because its A)a little faster/slughtly less labor to replace vs repair and B) insurance usually won't cover a repair. But if you take it to a real body shop they do have methods for pulling that dent out, may need minor paint work/blending of the paint for it to match and replace the tail light. Simple repair in the grand scheme of things. Less invasive than replacing the entire bed side.
Side story. 2000 S10 I bought new in 00. Hit a mail box and caved in the RF fender and broke the aluminum wheel when i hit the culvert. Took to a real independent body shop and back then all in for them to pull the dent, skim fill and paint and replace the wheel it was $1000. It can be done. Just gotta find the right shop willing to do it your way, not the way today's books say it should be done.
United. We ... stand ........ divided we fall........nothing will ever be done .... we are to divided 😊
@@AnthonyRizzo-u1h I agree
What are the chances of finding a bed in a salvage yard with less damage or no damage?? Just asking. I’m going on seventy years old and I have never had to file a claim yet. I probably shouldn’t have said that I may have just jinxed myself. 😡🤬
Where I’m at there’s a business that decks out company trucks with service bodies and he’s always got the new beds he removed in a lot next door and sells the beds from trucks.
@@czechmate6916 excellent idea and thank u!
I have kept comp on my old cars but not collision. I've had several comp claims over the years but only 1 collision claim.
@@maxxedout2020 thank u for that input.
As a licensed insurance adjuster for years, I can tell you that this isn't true. I've also had personal insurance with Allstate, State Farm and Progressive. I've filed claims with each. Never had any issues. If your rates do go up after 1 incident, whether you're at fault or not, it's probably due to an annual increase that has nothing to do with your incident. There are many reasons that an insurance company could deny your claim. It's all in the policy. However, it rarely happens. If you have any legitimate issues, file a complaint with the Department of Insurance.
@@cameronrautmann2761 I’m calling you out as bs! You’re in bed with them. Job security and you will do what you are told to do.
@@FrugalMeScott LOL. If you only knew how much I hate my job dealing with people like yourself. I welcome getting unemployment if that ever happens. I have 0% loyalty to the company I work for.
@@cameronrautmann2761 so, all these people that have committed are lying?
@@FrugalMeScott I don't know. How could I? Without all the facts, there's no way to say. I'm guessing they're part truth or misunderstandings. Either way, without all the details, I cannot answer your question.
@@cameronrautmann2761 my apologies for being harsh. We are sick of what’s going on and yes, I communicate with great friends in the insurance business. They are frustrated as well.
Let's all push for socialized insurance; insurance for the people and by the people and remove corporate greed. They have it in Florida and California. Problem solved.
I would check to see how much a used truck bed might be. You could be lucky enough to find 1 in the same color.
@@darrellepickering8433 very good suggestion!
Progressive will try to give you 3,000 for an 8500 dollar vehicle... that's what they do ... promise you that 😊
All insurance is a scam. They will total your vehicle probably for way less than to replace it.
@@janetwethepeople9390 great input!
Find a local paintless dent removal guy --they can pop out worse dents than that and never damage the paint ! Well worth the money !!
@@mrbill8542 thank u for the advice!
But insurance companies have no problems spending 90 million dollars a year for commercials on tv to sponsor sporting events. That's just one 1 insurance company.
@@MichaelPigg-r2j and they’re the ones that are notorious for paying legitimate claims!
We know who the companies are .... and what they do..... nothing will ever be done ... congress would have to act and they are not gonna do anything because they get money from the insurance companies.... 😮
I would look for a used truck bed. It might be more cost effective to replace the whole thing.
@@Unit13FREMSLT good idea and thank u.
Who do you think pays for all those expensive progressive ads.... Look in the mirror.
In SC you get insurance points based on tickets and accidents that are your fault. It raises the rates a set amount for 3 years. Don't know how GA is, will ask my sister who lives there. That said, YOU caused the damage and you deserve some penalty for that. Since it was your fault and it is somewhat minor, you should pay out of pocket or leave it like it is. In every insurance, your rates are based on your risk. If you file this, you show Progressive that you are a bigger risk. You fix that by NOT driving carelessly in a rain storm while pulling a trailer.
@@batsonelectronics I absolutely agree and thank u for that input.
Who do do you think pays for all those stupid Progressive ads Duh !!! They aren't cheap!!!
File the claim because they already know you had the wreck they're going to raise your rights anyway
@@clarenceolsen good input.
File it then cancel and self insure
The best lawyers don't come cheap, go to any large city and the biggest buildings r banks and insurance.
@@MikeEirman and with million dollar signage!
It's time for PDR man what I will do
@@NB-im6od great suggestion!
Why would anyone insure with Progressive? It seems they spend more on advertising than on settling claims. I insure with AMICA. Never any problems in the last 60 years even when I wiped out 2 sports cars in 1 year. USAA is also rated highly.
@@bobrad20 thank u for sharing!
Yeah it all goes hand in hand. Auto or home. They want to take the money for years and years and years but they don’t want to pay it back! Secondly, liability insurance only doesn’t save you that much money. They price it high so your force to pay for full coverage. What’s a one hundred dollar savings from having full coverage. It’s nothing!
@@glynnjohnson3531 it’s all becoming a huge ripoff.
Yeah, I agree, insurance is a scam. But as someone who was in the auto body and paint industry, that panel can be repaired. You just need to find the right shop. Get multiple quotes. You will be surprised at how much they differ from each other. And make sure they are looking for hidden damage. You don’t want to get a low ball estimate and then get a costly surprise in the middle of the repair.
@@thomastucker5998 thank u so much for that info!
Make sure you tell people NOT to ever call their insurance when inquiring about a possible claim. They will count it even if you don’t file. Call your agent, not the company. It increases your risk assessment value which increases your insurance costs. Replacing a damaged quarter panel requires less labor than trying to work out all the dents/damage. Parts/labor are expensive. If you know someone who can do the work professionally, one can usually get it done more reasonably in cost than through a dealer or an insurance repair center. Sorry you are having to deal with this.
Paintless Dent Repair business, wouldn't touch it?Did they recommend cutting it and painting it?
@@ToddMcDonald-zh4ym they just said the whole side would have to be replaced without detail.
@@FrugalMeScott Really?maybe not skilled enough or not cost effective? Second opinion? Maybe
@FrugalMeScott I saw similar damage on a new chevy truck when I had my car repaired with PDR
@@ToddMcDonald-zh4ym thank u! Grateful for your input.
@@ToddMcDonald-zh4ym thank u
I've had good experiences with Erie... but that's just little old me.
@@kwequip thank u for sharing that!
We have to have auto insurance to drive legally do to regulations whole the auto insurance companies are not regulated at all! There is not a single honest auto insurance company in this country! I hate them all! No, there are no better insurance companies, they are all the same! All the auto insurance ask question designed to jack up your insurance rates that have nothing do do with your mental or physical condition, your vehicle condition or your driving record! Like are you married. Do you live in a house or apartment and what is your credit rating, even if you are not bundling and paying up front! They Are all criminal scammers and they get away with it!
I want them all to go out of business! I hate them all! We all are just chumps to them!
@@nightlightabcd very well said!
Insurance companies also know automatically When you send a text message in your Moving vehicle, That's why a lot of people cannot figure out why their insurance rates have quadrupled 😂
the more they advertise the worse they are.
@@matthewgibbs6886 so true!
All the big insurance companies that have ads on every commercial break, are the worst you can go with.
The first 30 years of my life every truck I drove looked like that. I don't see the problem.
@@georgesmith8774 its actually starting to to look better every day!
If you own the truck take the check to fix it. Dont fix it. Pay cash for a side job, after hours, you know. No loan check goes to you.
NOPE GO TO A DENTLESS PULLER ... THEY CAN DO IT.
@@mefirst4266 great info. Thank u
Yes I’ve watched them on RUclips they massage the metal back into place like you’d never know it was dented . Quite an art form !
Not gonna work on that big of a dent. The metal has stretched and won’t go back. Pdr is only good for hail type damage
Now that you've posted this for all to see, they will raise your insurance because you've been in an accident, no matter that you didn't make a claim...
@@pat8988 I wouldn’t be surprised !
.. just get a new truck, seems like the best option .. everything else is just Grief .. 💯
@@WillKlaver :)
Any body guy will be able to pull that out. It’s not that bad. Check with other shops. If it goes up, switch companies. I was with State Farm for 25 years. Once they started raising my rates with no claims, they went bye bye.
I would not pay the auto insurance mobsters shakedown at all, but that would make me the criminal!! It's a racket b almost beyond belief, if it were not America!
@@nightlightabcd very well said. Legalized robbery!
A few years back a mouse got in my timing belt and blew my motor mouse was still in the belt. Paid 500 deductible covered a few years ago my wife went off the road in the winter paid 500 deductible over 2500.00 damage covered. Emerald progressive member insurance has never gone up has actually gone down few bucks a year here and there.
Think about this 22 million registered vehicles in Texas... say ok that 1 state...😊 sooooo 22 million times 150 bucks a month ....... average I'm sure people pay more ...... that 3.3 BILLION A MONTH 😊
LET THAT SINK IN....😮
Progressive, GIECO and State Farm are the worst companies out there.
Dumped progressive years ago, they suck!
@@Obamaistoast2012 agree!
Any real body shop would pull that out and make it look like new again.
You can fix that yourself, pull or push out the worst of it, fill the rest, them you can het touch up paint mixed up and put into a spray can. It won't be perfect but not terribly noticable. Body shops have become collision shops only, small private jobs, rust repair etc, have become unnafordable.
I find the while insurance thing has gone crazy, gone to a complete no fault system. You can be totally innocent and get hit one would think the guilty party's insurance would be responsible right? Nope. Neighbours tree falls on you property, his insurance will pay right? Not necessarily. Nuts. I bought a camper and asked if its attached to my truck amd someone rear ends me - the persons insurance will pay right? Nope. Terrible system and accountabilty is gone.
you pull thatout-get a slide hammer and drill some holes and pull-start first with a glass sucking cup and see what that does-the more you cn pull the less the body repair will bee if you take it to the shop
Under 5k, i pay out of pocket.
That bed side isnt that bad, re-skin it, find a good bed or flat bed.
Same with Travelers…. The idiot was on the phone. Cut me off the highway his fault 100% …. I get a totaled truck .. 1992 Dodge .. im left handed. My neck my shoulder and my arm was totally mucked up …. Some how. Some way. I became right handed …. So any medical procedure involving my left side …. Already a PRE EXISTING CONDITION….
Bend it back out yourself. Its not going to be perfect, but better than higher premiums.
@@fudogwhisperer3590 thank u!
Pdr would take care of that easily.
Depends how that was done ..... did someone hit you in a parking lot when you wasn't in the vehicle.... that would not be your fault.... should be covered 😊
@@AnthonyRizzo-u1h it was my fault. I jackknifed a trailer.
Don’t fix it. If it’s safe to drive, keep driving and hope someone hits you and you can claim against their insurance. This strategy worked for me not once, but twice! PS your insurance may increase simply because you spoke to your insurer. This happened to me once when I reported a home break in and theft, but did not follow through with the claim. They doubled my home insurance anyway!
@@James-ol6rw crooks!
They ARE making a profit!!! They want to keep that profit!! I've paid for donkey years and they have never paid anything out from me! What happened to that money!?? In tha pocket!!!!
Oh, you know that your rates are going up! It would probably be cheaper to get a new bed.
the (business) algorithm says ... 'you cannot send OUT more money than you take IN'
the in MUST be greater than the out ...
repeat after me ...
in > out
🥴
I bet half of the people in Detroit don't have auto insurance, and I'm not kidding.
-
I've seen worse damage corrected right here on RUclips.
@@Pro1er thank u. Please send a good RUclips link on a self repair.
You are spot on!!!
Allstate is the best
@@toro220d thank u for the input. Please recommend your agent and location.
straight to the point!
Ignorance is bliss....
Your wrong the insurance company never lose money they have billions already ahead of the game from people like you & my self & millions other people !!
@@danielrandolph9170 correct!
Filing a claim will ALWAYS increase your rates. No body shop is going to waste labor hours fixing something that can be unbolted and replaced. With labor being $175/hr, you won't find much savings in repair vs. replace. Crying and complaining about how it's handled isn't going to change that.
💪
@@mikehouser5430 thank u!
Looks like a nice truck at least worth ...... 15k .... ?😊or more
There all crooked people 😢😢😢
They got ya by the balls!