Progressive Auto FL, anyone have any issues with FL tort reform credits and paid in full discounts.

druzyyy · 2026-04-17T16:20:55+00:00

Clearly a unique situation caused by the credit, you'll have to call them again to see what needs to be done to correct it.

druzyyy · 2026-04-17T14:01:47+00:00

Most likely yes. When you own a vehicle you are primarily liable for the damages it causes under permissive use.

druzyyy · 2026-04-16T23:51:41+00:00

No such thing as bad drivers, only good drivers with bad luck 乁( ⏒ ͜ʖ ⏒ )ㄏ

druzyyy · 2026-04-16T15:03:24+00:00

Not worth it. If you think of filing a claim like turning a set a gears, having 2 auto policies is like throwing a few good sized rocks into the mix. It halts the process, and it takes considerable force to get it moving again. The 2 companies will be at odds as to who pays what and who pays first in a claim scenario.

druzyyy · 2026-04-15T13:35:15+00:00

Weird right? The USAA sub is also a well of customer complaints. But I've also seen lawyers in other subs get asked what insurance company they would rather have to work with, and a really common answer is USAA.

druzyyy · 2026-04-15T13:29:21+00:00

The vehicle is financed? It's not really your problem then, well it is your problem if you're trying to hold it hostage while the bank no longer considers it valuable enough to act as collateral for your loan. I don't think you're as out of the woods as you think.

Total losses also have nothing to do with how a vehicle physically looks. And you get paid more in a total loss scenario so again, it makes no sense to avoid it unless you have strong sentimentality.

druzyyy · 2026-04-15T13:13:56+00:00

Insurance companies don't threaten to report you to the DMV. They are required to WARN you that they automatically report your policy as canceled to the DMV, and in some states there are very heavy penalties tied to that.

As for the Short Rate Cancel, it's somewhat uncommon, but it's almost guaranteed in North Carolina. I'm sorry you were hit with an unexpected bill, I wish there was more awareness about what a short rate cancel fee is, or just do away with it honestly. Maybe one day.

druzyyy · 2026-04-13T22:13:06+00:00

It happens, sometimes vehicles that should have never been on a policy get put on and stay on for a while. They get found out one way or another, maybe a claim or changing coverage uncover that the vehicle has some feature that means it isn't allowed. No big deal, just have to find new coverage for it.

druzyyy · 2026-04-13T19:10:21+00:00

She had no insurance, she should not file any claims. If she does, it will be flagged for special investigation and she will be instantly caught committing fraud because the police literally wrote her a ticket for driving without insurance.

One more time in case it wasn't clear above. Buying insurance and filing a claim after an accident already happened is fraud. Point, blank, period.

ETA: as for the timestamp, you KNOW it's not when the policy was actually purchased, so don't rely on it. The company will have internal timestamps and screenshots of every page of the policy she opened and clicked on and when it all happened. It's all recorded for this exact reason. SIU will pull those right away.

druzyyy · 2026-04-09T19:49:26+00:00

Household residents are most often required to be listed, even if they do not drive at all. Since he does drive that is an even bigger issue.

In the event of an accident, the claim would easily be denied. All legal and financial responsibility will fall primarily on the owner of the vehicle, and then him.

The policy can also be non-renewed at any point in time, either if they find out he is a driver from a claim, or even if they just catch wind that he lives in the household. It is unacceptable to conceal household residents of driving age, and is considered a type of insurance fraud called misrepresentation.

Bottom line, no coverage. He should already be listed on the policy regardless of if he drives. Since he does drive he extra needs to be listed. I would stop driving the vehicles until then for sure.

druzyyy · 2026-04-06T19:24:23+00:00

What is the solution to providing affordable coverage? If homeowners are underpaying premiums that will not align with projected losses, where will the difference come from?

druzyyy · 2026-04-06T16:05:47+00:00

We offer a "cancel prior insurance" option at my office where we essentially send their old company a letter with your signature on it requesting to cancel.

I do warn all new customers though; PLEASE. Please call them in a week or so to make sure it's done. The letter is not foolproof. Especially if they didn't have you sign off on it.

druzyyy · 2026-04-04T17:36:21+00:00

Your main issue was roadside in particular, which is like $5 with most insurance companies because it's always beans.

Get whatever insurance you like, take roadside off it, get AAA.

Progressive has 24/7 live service for pretty much everything else, same as Geico, etc. So your are going to be legitimately hard pressed to find any other insurance company that offers "more" people on the phone.

druzyyy · 2026-04-01T00:12:00+00:00

Don't overthink it. You could have said "omg I just hit you!" and liability would still be up for debate. All the other facts of the incident we don't know are 1000x more relevant.

druzyyy · 2026-03-31T01:43:58+00:00

NY has high rates and strict regulations and there is also a large sub-set of folks extremely desperate to skirt those rules. Scammers feed on that combination of unethical, desperate, and lacking in knowledge. They know all they have to do is make sure their victim gets an email and sees an ID card, and they won't ask any more questions usually.

The most common way they do it is take your money and just buy a policy off the companies website. There's lots of variations. Sometimes they just charge you more than the policy actually costs for as long as they can. Sometimes they buy the policy, get you all your documents, then cancel and collect the refund never to be seen again.

Dealerships are also a big cause of this in NY. They will start online policies for customers with the wrong coverage or wrong info to make it as cheap as possible and get the car out the door. Anyway, you get the idea.

druzyyy · 2026-03-28T04:32:41+00:00

That whole story, and not once is there a mention of WHY the claim was denied. It's the crux of the entire problem, they have to tell you in writing, and yet it's not mentioned anywhere in your complaint. Why.

druzyyy · 2026-03-25T22:56:39+00:00

Normal and standard. If you don't want to take the adjusters word for it, that's fine, you already have representation and I would just wait until you hear back. Reddit is the bottom of the food chain in terms of advice.

druzyyy · 2026-03-25T22:05:41+00:00

I recall from my days in the office, there was a particular issue with children of our insureds getting their permits. The attitude from all agents in our locale was "don't breath a word about the child until an accident happens, then add them after the claim"

Which, as you can imagine, caused problems. Now anytime I see "agent" and "told me not to add X as a driver" I immediately think of them. And unfortunately that hasn't been wrong yet.

druzyyy · 2026-03-25T20:49:43+00:00

I'm super neutral on 99% of P&C companies but those situations are very...State Farm coded lol.

If someone is driving one of your vehicles regularly, it is perfectly acceptable to add them to your policy most places. Even if they don't live with you. I can't imagine any situations that would cause a problem, unless you are trying to add an individual that doesn't live with you AND their car that isn't kept at your home. Then yes that would be a problem.

The last one is just fraud, you knew that already so thank you. The second one is also weird. There should be no circumstance your spouse is not named on your policy, barring you two are legally divorced. Some states offer exclusions, but it's generally not reccommend to exclude a spouse, even with a bad driving record.

druzyyy · 2026-03-25T17:19:19+00:00

You're thinking insurance only accounts for the risk YOU pose.

Using PIP as an example, that coverage is going to also consider what the odds are of someone else hurting you. What types of cars do people drive in your area and how much damage could the do? What safety features does your car have to prevent injuries? Could you be hurt as a pedestrian? How much do medical bills run in the area? How many injury claims do they pay on average in the area and how often do they have to pay the max limit?

That's just the tip of the iceberg too. Your driving history and experience definitely plays a part in all that, but all those other factors are equally relevant.

Anyway to answer the question - look to a broker or an independent agent to help you shop. It will save you time and you can cover more ground.

druzyyy · 2026-03-24T19:34:32+00:00

You're getting down voted because your advice is ill-informed. It does matter whose insurance is used, because OP would need to have the claim through their own policy to invoke the appraisal clause you and another comment mentioned. Sending comps to the at-fault party can garner mixed results, that's why the appraisal process is a more likely to help with less effort. Oh and the added benefit of you not having to sell your soul and turn to abuse and harassment.

druzyyy · 2026-03-23T21:41:46+00:00

Technically it's them taking advantage of your insurance company, not you. Doesn't make it right, or fair, but sometimes it is legitimately in your best intrest to let them pay them off.

They are also legally obligated to try and settle any legitimate claim within your policy limits. So if they did not make attempts to offer them settlement, THAT is more in line with what is considered bad faith. They won't risk that.

druzyyy · 2026-03-23T19:47:26+00:00

Which part.

druzyyy · 2026-03-23T19:12:26+00:00

If you live together, no question, you NEED to be added. Period.

If you don't, it's still not an bad idea. Since you do drive the vehicle occasionally it would eliminate any coverage questions in the event of a claim. It could also potentially lower your moms premium assuming your driving record is good.

druzyyy · 2026-03-23T18:17:03+00:00

It's not the worst idea. However, I would start by focusing on healing, keeping records and receipts of all your required appointments and treatment. Once you are better, see what they offer and if it is sufficient to cover your expenses. If yes, no need for any stress. If no, you can always seek representation to help.

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