Forum Discussion
wnjj
Sep 11, 2014Explorer II
DiskDoctr wrote:
Used to have Progressive until they screwed me.
Had a deer comp claim, no problem. Within 3 yrs had a windshield (stones) in two vehicles. The first they took care of.
The second, when I called the high deductible meant it was cheaper not to file a claim and pay out of pocket. Ok did that.
Next renewal, they RATED me. 3 claims, even counted the second windshield though I didn't put in the claim.
Spoke to underwriter, they wouldn't budge.
Switched that week, never looked back.
This is common. Rates are based upon future risk of claims, not just actual past claims made. If you had 3 incidents, that's all they care about regardless of whether they paid them.
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