I was wondering if anyone could provide me incite on the following.
I received an email from Progressive to review my policy as the policy was scheduled to renew. When looking it over I found that numerous types of coverage were marked rejected. Well, I obviously never rejected anything; how could I? I was never even asked about it. So here I am thinking that I was paying for full coverage ... turns out I was paying for what they considered full coverage. I called in to Progressive and had a long convo of what I should in fact have on my policy and what I shouldnt. Long story short, I ended up getting PIP and raising a few other things.
That same month, on DEC. 25th I met with an accident. It was snowing like crazy in TX and the roads were bad. I was driving in the right lane with my 4 ways on when a white truck side swiped my car. The truck kept going and never stopped. I was too scared to stay and wait for police. I thought if I did I would risk the chance of another car hitting me. Since the truck kept going and the roads were bad, I decided to go home and file a report in the morning.
Ok so, now I go and file a crash report and mail it to the address provided. I call Progressive and report the claim. The insurance adjuster called me later that evening to go over what needed to be completed next. My original plan was to take my car to VW. However, after speaking to the adjuster I found that I did not have rental coverage. At this point I am irate because I had just reviewed my policy a few weeks prior and was sure I had EVERYTHING. So, I tell her that I only have one car and that Im frustrated because I would have to pay for rental and my doctors bills if I needed to go. She then told me I have PIP coverage so, I wouldnt have to pay the doctors bills. She then told me due to the holidays, the personal injury adjuster would call me within a week. She told me if I needed to see a doctor that I could. I even asked her If I should pay the doctor until the other adjuster called. She said no, that I would just have to have who ever I go to call them.
I wasn't in excruciating pain at the time of the accident. The next day I was sore, but thought it would go away with some IB prophen. The following day I woke up feeling like my back was "stuck" and decided to go to the doctor. My physician told me I should see a chiro. I was referred to a chiro whom claimed to have confirmed my coverage and provided me treatment.
This was the first time I have ever reported a claim. I wasnt and still am not sure how the whole process works. I never received a call from the personal injury adjuster. I just thought the chiro confirmed coverage and everything was in place.
About a month ago my Chiro submitted the bills to Progressive. She then calls me during that week to tell me my claim was denied and that I would be responsible for the payment. I called Progressive who said they did not decline the claim. Long story short, I was the told my claim has been moved to special investigations due to change in policy coverage 2-3 weeks before the accident. They also told me that I never received permission to go to a Doctor. At this point I am completely confused and frustrated. The SIU person assigned to my case is so rude on the phone. When speaking to me it seems as if he is putting words into my mouth. I tell him to go back and listen to the recorded calls, but he still continues to seemingly try to convince me of something other than the truth. He then goes on to say that law enforcement is on the case.
At this point I feel as if I have been paying them every month for years only to be treated as a fraud when I file a claim. It seems as if they are trying to find a reason to decline the claim rather than assisting me with the claim process. How was I supposed to know that 2-3 weeks after reviewing my policy, it would snow in TX and I would be side swiped? Why do I pay for full coverage when I all I get is never ending interrogation for filing a claim? Why was my claim moved to SIU in the first place? Why am I still made out to be the "questionable" one even after I answered all of their questions? Why are they trying to make me believe things were said and done that actually weren't? Also, what should I expect in regards to this ongoing "investigation"? Neither do I want to be stuck with a judgement from the Chiro nor continue to have to subject myself to the less than respectful treatment of Progressive.
Any incite, advice, answers, etc would be greatly appreciated.
Thanks
I received an email from Progressive to review my policy as the policy was scheduled to renew. When looking it over I found that numerous types of coverage were marked rejected. Well, I obviously never rejected anything; how could I? I was never even asked about it. So here I am thinking that I was paying for full coverage ... turns out I was paying for what they considered full coverage. I called in to Progressive and had a long convo of what I should in fact have on my policy and what I shouldnt. Long story short, I ended up getting PIP and raising a few other things.
That same month, on DEC. 25th I met with an accident. It was snowing like crazy in TX and the roads were bad. I was driving in the right lane with my 4 ways on when a white truck side swiped my car. The truck kept going and never stopped. I was too scared to stay and wait for police. I thought if I did I would risk the chance of another car hitting me. Since the truck kept going and the roads were bad, I decided to go home and file a report in the morning.
Ok so, now I go and file a crash report and mail it to the address provided. I call Progressive and report the claim. The insurance adjuster called me later that evening to go over what needed to be completed next. My original plan was to take my car to VW. However, after speaking to the adjuster I found that I did not have rental coverage. At this point I am irate because I had just reviewed my policy a few weeks prior and was sure I had EVERYTHING. So, I tell her that I only have one car and that Im frustrated because I would have to pay for rental and my doctors bills if I needed to go. She then told me I have PIP coverage so, I wouldnt have to pay the doctors bills. She then told me due to the holidays, the personal injury adjuster would call me within a week. She told me if I needed to see a doctor that I could. I even asked her If I should pay the doctor until the other adjuster called. She said no, that I would just have to have who ever I go to call them.
I wasn't in excruciating pain at the time of the accident. The next day I was sore, but thought it would go away with some IB prophen. The following day I woke up feeling like my back was "stuck" and decided to go to the doctor. My physician told me I should see a chiro. I was referred to a chiro whom claimed to have confirmed my coverage and provided me treatment.
This was the first time I have ever reported a claim. I wasnt and still am not sure how the whole process works. I never received a call from the personal injury adjuster. I just thought the chiro confirmed coverage and everything was in place.
About a month ago my Chiro submitted the bills to Progressive. She then calls me during that week to tell me my claim was denied and that I would be responsible for the payment. I called Progressive who said they did not decline the claim. Long story short, I was the told my claim has been moved to special investigations due to change in policy coverage 2-3 weeks before the accident. They also told me that I never received permission to go to a Doctor. At this point I am completely confused and frustrated. The SIU person assigned to my case is so rude on the phone. When speaking to me it seems as if he is putting words into my mouth. I tell him to go back and listen to the recorded calls, but he still continues to seemingly try to convince me of something other than the truth. He then goes on to say that law enforcement is on the case.
At this point I feel as if I have been paying them every month for years only to be treated as a fraud when I file a claim. It seems as if they are trying to find a reason to decline the claim rather than assisting me with the claim process. How was I supposed to know that 2-3 weeks after reviewing my policy, it would snow in TX and I would be side swiped? Why do I pay for full coverage when I all I get is never ending interrogation for filing a claim? Why was my claim moved to SIU in the first place? Why am I still made out to be the "questionable" one even after I answered all of their questions? Why are they trying to make me believe things were said and done that actually weren't? Also, what should I expect in regards to this ongoing "investigation"? Neither do I want to be stuck with a judgement from the Chiro nor continue to have to subject myself to the less than respectful treatment of Progressive.
Any incite, advice, answers, etc would be greatly appreciated.
Thanks
