Sounds like you have issues with both and omg what a nightmare. I feel bad just hearing about it.
First, the insurance company is correct, they are not responsible for anything but damage caused by the accident. It’s actually hard to believe a lightning strike didn’t total it. It happens more than you might think, I think. Have a buddy who’s boat and then camper were struck by lightning separate incidents. Both were a total loss due to the inability to estimate with certainty all the electrical damage.
Any damage by the repair shops is your issue (winterization, broken stuff) although if you used an insurance company authorized shop as most companies recommend or require, then make Progressive fight for this as well.
As for the specifics with the AC, that could go either way. You don’t say if it was replaced under insurance or a prior repair you did.
I don’t often recommend this but this is/may be worth a lawyer. And/or your own research about time limits and valuation limits for insurance repairs.
Best of luck, sorry to hear you’re getting screwed on this.
Yes the insurance is the one who picked the shop. Was dealing with my wife’s mother in medical issues in the middle of this and the claim rep handled getting it to a repair shop. We have nothing close to where we live that would work on it. The a/c compressor and drier was replaced in 2023 before we left for a trip to Niagara Falls. It has been to four different places to be worked on so who would I go after?
Dang….well the AC, while a previous repair, from the insurance company standpoint should been assumed to be operational before the lightning strike and the compressor clutch is triggered electrically and it’s an electric motor so completely plausible that lightning damaged it.
The good news (not that everything you’ve been through hasn’t thoroughly sucked) is that Progressive picked all 4 shops and managed the whole thing. That makes your issue 100% with Progressive regardless of how bad the shops have been.
I personally wouldn’t engage with the shop(s), first to not convolute the issue and potentially have insurance say you directed something.
while some say Progressive is good (we had no issues with minor claims w them in the past) and some say they’re bad, the fact is ALL insurance companies are for profit organizations and their goal is to minimize their costs to cover your issue only to the bare minimum you were insured for. AND they are or can be shady. ALL of them. Not debatable. I have many examples. Some folks have none. You now have at least one.
IDK, I would keep running this up the flagpole at Progressive. Know your policy inside and out because they do. If you can’t decipher find someone who can or a lawyer. Are there repair timelines, loss of use compensation, find the valuation metrics for repair vs total.
What I suspect is now Progressive has a mess because of incompetent shops. Evidence by now at the 4th shop.
They also may now have paid out as much or more than it would have been to total it. (Total unknown as you haven’t described the damage and all work done to date but it doesn’t matter. Not your problem that’s why you have insurance.)
As bad as it is, if everything you said is correct you only have 1 issue and that’s your insurance carrier fcking it up. Stay on them. They WILL do whatever they can to not help you in the resolution. And at this point, they’re not going to want to incur double the cost IE everything they spent to date AND totaling your rig.
But remember this is one little claim out of probably 1000s per day for them. They have the ability to close this out and make it go away. And the easy button is paying you out for a total loss and closing the books.
Honestly it sounds like lawyer time. But I’d try to do my own research first to know what basis you’re using. Saves legal $ and helps you be as informed of a client as possible.
Good luck!
Thank you this has not been my year have several issues going from truck catching on fire (twice) down with my back so my dad (82) was helping finish baling hay caught the baler on fire just not my year
thanks for listening
OMG. Hopefully all that bad luck is behind you….
Not to pry but, truck caught on fire? Twice?
Anything to share or lessons leaned for the rest of us? That seems so highly unusual and unlikely and to not burn down??
