Progressive RV Insurance Scam

crabbin cabin wrote:
It is written in to your policy!? Then it cannot/shouldnot be called a sacm. The only 'scam' is ypour use of the word in your title/text. "Caveat Emptor" alwys has been the rule!

I'm not a lawyer or an insurance salesman, but if it says "Replacement Cost Personal Effects Coverage" up front on the first page, and the $500 limit is hidden on page 35, then it seems to me that they are trying to mislead the buyer. The correct description would be to say "Limited Replacement Cost Personal Effects Coverage ($500 per item maximum)" on the front page (my emphasis added). What other reason could they have for burying the limit except to try and mislead buyers (especially old and slow folks like myself) on what they are getting for their money in order to steal a sale by making their product seem cheaper.

I had a wake up call from "INSURANCE COMPANY NAME DELETED TO PROTECT ME FROM A LAW SUIT" on a homeowners policy due to a limit that I didn't know about until after I'd purchased the policy receiving just a few pages for my money, and then receiving a lengthy stack of pages explaining the coverage in language only a lawyer could understand well after I'd signed up and paid. And to make it worse, I didn't understand that the loss I was trying to get reimbursed for had an unwritten clause "Oh we consider that leaking water pipe normal wear and tear so it isn't covered -- although there was no wording saying "normal wear and tear excluded" anywhere in the policy even though the policy language did included leaking water damage as a covered item.

Don't get me started. My lawyer cousin (who was an Insurance company employee for decades) explained it very simply, they make money by selling policies and collecting premiums, they lose money by paying claims. And, their employees get rewarded for collecting and punished for paying.

I feel better getting that off my chest :)