I've been a customer with progressive insurance for years, spending enough in premiums that I could afford to buy two cars. When they raised their prices, I stayed with them even though they weren't the cheapest. I thought that over time, a customer builds loyalty points with a service. The more patronage you give, the more service you receive.
Recently, one of my five vehicles I insurance with progressive insurance caught fire. While driving the van, fire came from under the hood. Pulling over, the fire was put out with a fire extinquisher. This saved the majority of the van, but of course several items under the hood were lost to the fire. The van was towed to a trusted and highly rated mechanic, and a claim was filed for fire damage.
Now, despite the fact that there is no evidence or proof that the fire was caused by electrical components, because the fire was ""close"" to where the electrical box was, Progressive insurance DENIED the claim. You see, even though I have coverage for fire, they have a loophole in case of electrical problems. At the end of the day, they can choose which they wish to follow. Now, though I spend over $13,000 a year with them for insurance, and the bill for the repairs is $3,500, they decided the most prudent business decision was to deny my claim and leave me holding the bill.
The sad thing is that if we hadn't put the fire out, Progressive Insurance would be buy us a brand new $25,000 van plus everything else lost in the fire. Since we put the fire out, saving them money, they stiffed us and left us out in the cold. David Hegman was the claims manager.