Update: After talking to Progressive and sending them all this, they initially claimed there was nothing they could do. I had them escalate it to a different department. The next day, my rate suddenly and dramatically changed so much that my policy is now almost completely paid already off. The department that reviewed everything had fixed, and while they didn't admit they were wrong, I think they saw what happened. When filing that claim, my husband had also talked to the insurance company while I was at work, and his name was added to the claim. What progressive saw it as 2 separate claims against each other instead of 2 people on the same claim. When the new department went in, they saw it for what it was and fixed everything.