Community Forums

RickO · 12-07-2012, 10:12 AM

After >50,000 miles of driving my 40DP without a scratch, on our last trip that record came to an end.

While crossing the Bourne Bridge into Cape Cod, I craned my neck to get a look at a big barge passing under the bridge and drifted into about an 18" high concrete curb on the bridge.

It was a glancing blow but it doesn't take much contact with a concrete barrier to make a mess of forty feet of full body paint.

I've had Progressive insurance on the coach since I bought it in 2007. As with others, I've put up with annual increases in my premiums and never had to test their claims process.

I contacted them right away and since we were on the road... 2500 miles from home... we agreed to just wait until we got to Arizona to have it fixed. The storage facility I use is part of a large RV Body shop which is an authorized Progressive shop.

Repairs on the coach were completed this week and they did a great job of repairing and repainting all of the storage bay doors and wheel panels on the curb side of the coach. It took very little involvement on my part and due to Progressive's "disappearing deductible" it didn't cost me a dime out of pocket. The final bill was $5,700.

I know there have been some reports of negative experiences with insurance companies following accidents but wanted to share mine to provide a little balance.

Now if I can just keep it between the lines for the next 50,000 miles.

Rick

SarahW · 12-07-2012, 10:14 AM

Good to know. Glad it's fixed, Rick.

wincrasher · 12-07-2012, 12:56 PM

$5700 sounds like a good price for that much work.

slickest1 · 12-07-2012, 02:33 PM

Hey Rick, these things happen. Good to hear it all turned out good without a fight. I find I tend to drive where I look more so these days, and have to pay a little more attention. I have an excellent alarm system for that mounted in the co-pilot seat.

Midniteoyl · 12-07-2012, 02:46 PM

Wish I could say I was having a good experience with USAA on my Homeowners.. Been since Oct 22 and I still dont have any estimates or paper work from them. And, they are disputing some of the claim..

Just might go back to State Farm for everything again.. Was with them for 19 years with 6 claims.. Little pricey, but ALL my claims were handled in less than 30 days. Complete. Done. Finished.

RickO · 12-07-2012, 03:23 PM

Quote:

Originally Posted by wincrasher

$5700 sounds like a good price for that much work.

Yeah, I didn't know what to expect with three color full body paint and clear coat requirements, etc. If I read their paperwork correctly, they discounted the $5700 down to about $4600 for Progressive. I guess that's how they get to be an "authorized" Progressive provider.

At any rate, these guys did a good job, on time, and were easy to work with.

Paint and Body RVs Cars Trucks | Full service Auto Body Shop

Sigh.....

Rick

baraff · 12-07-2012, 04:05 PM

Rick O - Not to be cynical or anything, but I'll be interested to hear your opinion come next renewal. Here's hoping they take into account all those accident-free years and don't jack it up 20% or more.

Conquest102 · 12-07-2012, 04:12 PM

Glad everything worked out. They were great with my claims as well BUT come the next bill it was almost double the previous one. Good luck!!!

Wayne MD · 12-08-2012, 01:26 PM

Sure hope your next rates don't go out of bounds with insurance . At fault crashes usually end up jacking up the price on next premium. Hope you escape it.

CorLynn · 12-08-2012, 01:35 PM

Quote:

Originally Posted by slickest1

I have an excellent alarm system for that mounted in the co-pilot seat.

I am the same way when hubby is driving! I am always in the passenger seat, i dont relax on the couch (unless we are on a road like 199 in CA.

) The way I see it is i am driving too..i just don't have the wheel.

Rick, glad you got it all sorted out. Its nice to see a good post on this. I too go through progressive

RV Manager · 12-08-2012, 01:36 PM

One more positive voice for Progressive. We were the victim of a hit & Run at the Grand Canyon last year that did over $3000 in damage to the rear valance and one compartment door. Had the work done locally and other than our deductible Progressive paid for the repairs with no hassles. In fact after the first meeting with the adjuster we never talked to Progressive again, they took care of everything with the body shop. Even if they do raise our premiums I will stay with them after service like that.

RickO · 12-08-2012, 02:03 PM

I'd be shocked if my premiums don't take a jump at renewal time. I might just have to change providers if I can find someone who will offer teaser rates for the first year... in spite of the accident.

Rick

Norm Mac · 12-08-2012, 03:46 PM

Hey Rick, Sorry to hear about your incident on the bridge.
I know that bridge well... The lanes are very tight and the curb is incredibly high.
I'm glad Progressive did well for you, theyv'e been good to us so far but they sure love to raise those rates every year.

W4RLR · 12-09-2012, 12:27 AM

Quote:

Originally Posted by baraff

Rick O - Not to be cynical or anything, but I'll be interested to hear your opinion come next renewal. Here's hoping they take into account all those accident-free years and don't jack it up 20% or more.

Ditto. My son's car had damage from hitting a pothole. He needed to replace a CV joint and some other suspension parts. He had Progressive. His insurance rates went up due to a "chargeable" accident. No ticket or anything, but Progressive said if he hadn't been driving down that road the accident would not have happened, therefore it was his fault and chargeable. I dropped my Progressive RV coverage because of his experience. Insured with GEICO for everything and cannot be happier with the way I am treated, even though I have experienced two claims with them this year.