Progressive Casualty Insurance
Reviews and Complaints

I changed my auto policy to Progressive based on the quoted rate I was given when I applied. After I cancelled my old policy, Progressive billed me for an amount almost double what they quoted me because I needed to provide proof of prior insurance. I sent in the proof of prior insurance in the form of my old insurance ID card, which was confirmed received by a Progressive customer service representative.

In spite of this, Progressive dropped my car insurance because I am unwilling to pay the much higher rate. I was told by a Progressive customer service representative that this was because I needed to send in another form of proof of insurance in the form of my old policy. However, this was never communicated to me by Progressive until I called today (two weeks after my insurance was dropped).

Progressive maintains that I still owe them $264.28, which is the difference between the rate they quoted me and the new rate they imposed on me and have threatened me with sending the unpaid balance to a collection agency.

I was also told that if I sent them my new policy (from another company) that they would adjust this amount to coincide with when I obtained post-Progressive insurance. I asked what would suffice as proof and I was told by the Progressive customer service representative that my new ID card would be adequate to show my current insurance.

To sum up my complaints against Progressive:
1. Progressive quoted me a price, which lead me to change insurance companies and then jacked up the price significantly.
2. I sent in the requested information to resolve the price issue and was told when I called today (two weeks after I was dropped) that the ID card from my original insurance would not suffice as proof of insurance and offered this as the justification for the significantly higher rate. This information was never communicated to me prior to this, which I verified withe the Progressive customer service representative today on the phone.
3. To get a prorated decrease of the $264.28, I was told by the Progressive customer service representative today on the phone that I would need to send in my new insurance ID card. This strikes me as odd, which I verbalized to the representative on the phone, because in my prior issue with the company they told me that the ID card was not sufficient enough evidence for Progressive to show that I have insurance.

I feel as a consumer I was grossly mislead as to what my rate would be with Progressive. I cancelled my prior insurance, which I had had for over ten years, to change to Progressive based on their quote. In my mind, this is an example of a "bait and switch" technique, that, at best, is terribly unethical and dishonest.

As a consumer, I fulfilled all of the Progressive Insurance company's requests but they still doubled my rate and are threatening me with "referral to a collection agency" for the unpaid balance after raising my rate and cancelling my policy.

We called for roadside assistance. I told them we were between two towns on a major freeway. They wrote down wrong mile marker. The help couldn't find us. Estimated time=an hour. Didnt show. The dispatch told us the road truck probably went back to the shop. We called Progressive again. Took several tries on a phone that was dying. The road truck gratefully kept driving and found us and they heard they screwed up the mile marker via satellite. Their satellite was incorrect. They didn't listen to what I was saying! Put the family in danger. Small kids in the car. Waited for several hours.

Worst customer service. I received a email yesterday that our policy was cancelled. I called and was transferred from caller to caller. My husband and I are OTR truck drivers, our insurance agent helped us transfer to progressive a month ago. We paid 6 months in full. We thought we were all set until I saw the cancellation thru an email. Matthew 7064 said he was a supervisor . He said underwriting needed a little more information and it will be more money to resign up for the same policy. I asked for the price we just payed to be honored and he said not possible. I asked to speak to his supervisor and I was denied. What a hassle this has been. I have never had this kind of run around. Horrible customer service, I still don't even know what underwriting needed. It seems progressive doesn't want my business. Thanks Rebecca and Casey Jones [protected]

My friend was involved in an accident in my vehicle and because she didn't understand what to do she left without contacting police. Upon seeing the damage and hearing her side of the story, I contacted the other party's insurance company and filed a claim. He also filed a claim through my insurance company, Progressive. At first Jada Mims from Progressive put up the facade that she would fight for me, I soon found out that was not the case. The other party lacked responsibility to return phone calls, texts, and emails from his own insurance company and they informed me I would be found liable if they didn't reach him. At the same time Jada is also trying to get me to pay my deductible so the damage could be repaired and she claimed that she would seek reparations from State Farm. Feeling that no one was fighting for me, even my own insurance company, I tried everything that I could to get a video of the incident from security cameras and even get police officers and collision repair specialists to give me their opinion of what happened. Jada called my mom, not me, and informed her almost a week after the incident that she found my friend liable and she was closing the case. She gave my mom no information on why she found my friend liable just that the other party had finally sent in pictures of his damage and a video of just the parking lot where the incident occured. She also told my mom that I would be receiving a phone call as soon as she got off the phone with her, I never did. I attempted to call her multiple times from Thursday to Tuesday, left several voicemails to call me back, and even called her supervisor who never answered. I was trying to inform her that his insurance company still had the investigation opened even with the pictures he sent in. They were also in the process of requesting my campus police to let them see the footage. On Tuesday I received a call from State Farm saying that I wasn't liable, his vehicle backed up way too wide and came into a no parking zone then struck my driver's side door leaving a big dent. After hearing that I attempted multiple times to get into contact with Jada, still nothing. I then called the 1-800 claims number, informed them of my issue because they had already added the liability to my mom's insurance account but had yet to pay any repair costs. The guy that I spoke to was very helpful in calling Jada and finding out that she was available to speak and he transferred me over to her. When she answered she had the rudest tone and basically told me that she found me liable because his side of the story matched the damage. His side was not consistent with the damage and any average person could see that. His story was that he backed up and was about to put his car and drive. My friend backed up and hit his bumper causing a small dent on his passenger side. For that story to be true cars would have to be able to drive from side to side. Seeing as that is impossible with modern vehicles, the damage you would get from his side of the story would only be scraping not a big dent. When I asked her how did she come up with that she kept her stance on how it happened saying that she also brought it up in a group meeting and everybody agreed with her. I told her that state farm saw the video tape and told me my vehicle was never in motion and he struck mine from backing up too wide and she still stuck with her story rather than telling me how she was going to fix it. Finally she felt the need to call state farm and confirm my story and called my mom, again not me, to tell me that whoever I spoke to was a liar about the video tape but would go ahead with the process of saying he was liable. My issue is not only of how she handled it and how I had to essentially fight two insurance companies to prove my friend's side, but if the other party had even cared at all to keep up with his insurance company and tell them that my insurance said he wasn't liable they wouldn't have even bothered to look at the tape. I would be out of thousands of dollars that I don't have while progressive is making a nice profit off of it. Seeing as though his damage was very minor max payout for him might've been $300 as for mine, $2, 600 and that's if nothing else needs to be fixed seeing as the door has to be completely replaced. If this is how Jada handles claims then she honestly should never work claims again because I am sure that she has done this to other people before.

To all that this concern,
I have been a paying policy holder with progressive (Auto insurance) for 9 years, in addition to having a homeowner’s policy for 8 years. The history of my policies will reflect a well-paying consumer, with no previous claims filed against either policy. I am highly upset with how I have been treated as a consumer, and have every intention to make sure my voice is heard, and my concerns are addressed.
On friday, 5/5/2017 morning (Around 8am), I experienced a flooded basement with approximately 3 inches of standing water. The sump pump appeared to have malfunctioned or shut off during the vast amounts of rain received that evening.in the indianapolis area, rain fall had been consistent over a 10 day period which included non-stop rain for nearly 3 days including overnight on 5/5/2017. The sump started working again, and begin clearing the standing water, however, as a result, the finished basement caused almost $10, 000 in mitigation and restoration damages.
I spoke with progressive (Homesite) (Ph) on 5/5/2017 to file a claim for the damages at approximately 10:00 am. I contacted a mitigation company and they were on the scene by 1:00 pm. I was then contacted by the desk adjuster (Derrick etheridge) at approximately 7:30pm. The field adjuster (Dale) came to the property on sunday, 5/7 for the inspection. I was then contacted on tuesday, 5/9 by the desk adjuster who advised there was no coverage for the damages, and my claim would be denied. At a complete loss of words, my coverage’s were explained.in an attempt to add coverage I contacted customer service where the agent (Shawnte) stated that coverage could be added, but could not be back dated, and if added the same day, it would be prorated for the amount of time left on the current policy time frame. I asked to speak with a manager (John stitt) to see what my options were, and to attempt to provide some type of relief. John stitt rudely stated he would attempt to assist and call me no later than 10:30 am the following day. On wednesday, 5/10 I was contacted by stephanie m. (A leadership development team member, not in management or customer service) as she said john was pulled into a meeting and would not be able to speak with me. She stated that there would still be no way for progressive homesite to assist me based on my coverage. She also stated that I would not be able to add the water damage endorsement for at least 5 years because of the recently reported claim that was being denied.
Please understand how furious I am! As I have stated, I have been a customer with progressive for almost 10 years. I have never been late on my policy payments, nor have I reported a claim.in that time i’ve not received any type of courtesy call to review my policy, to discuss my coverage’s, to check my needs as a consumer, or to simply thank me for my business. No one has ever called to make sure I have the right coverage’s in place to align with the type of home I have. I have not made any changes to my policy, or had any questions under the assumption that my policy was best aligned with what I needed to protect my home. The one and only time I have a catastrophic event occur, progressive homeowner is not willing to provide any coverage for this extensive loss, nor will they allow me to add the coverage necessary to protect my home from future losses.
I will continue to voice this mistreatment. My next phone call will be to fox 59 news, the newspaper, the better business bureau, and social media. This is unethical treatment, and it does not sit well with me – period.
I look forward to prompt resolution of this concern.

Progressive is supposed to be the #1 auto insurance company. Yet when I filed my claim of a car theft. They completely did everything in their power to find loopholes and ways to NOT help me and be there for me. As if having your car vanish in thin air isn't enough. They did not give me a rental they denied my claim and I'm stuck paying for a car that I no longer have! I am completely and utterly shocked that a corporation with millions upon millions of dollars would try and find ways to not help its customers. They have claimed that because I did not sign a "consent to rate" form that my insurance went from full coverage to liability. On a car that is financed? That's illegal here in NC. This has been a nightmare and I just want the insurance company to do what they are supposed to do. Take care of what the car is worth pay it to the bank and allow me to move forward with my life!

Signed up for a policy on 4/20/2017. Received a email on 4/26/2017 stating the bank didn't recognize the numbers I gave progressive. I called progressive right away.
While I was on the phone with progressive I went into my bank and received the correct numbers and relayed them to progressive. I thought I was covered.

On 5/3/2017 a car ran a red light and totaled my car. The other driver got a ticket. Progressive denied my claim and resciended my policy for failure of payment. Finding out later, the person who took my info while I was at the bank just updated my account with progressive they didn't use that to make a payment.

Before I heard the news that my policy was cancelled and claim denied. The adjuster called me and said I'll be receiving 1900 for my car. 3 hrs later, progressive claim department called me to inform me claim was denied.

I went to my bank and learned that my first payment was in fact pulled from my account by progressive but before it hit my account they stopped the payment which in turn cancelled my policy.

Left messages for Steven Cook, no return call, left a massage for his supervisor Kathy, no call back.
This week marks one month since the vehicle was damaged and it is still not repaired, even after I was told it would be done on 050517. Not done!
Now I'm told maybe on 050917. This is a work van, why can I not get a rental van as I've asked for? Claim# [protected]

Is there anyone in the company that cares to help?
I'm now cancelling my personal insurance with Progressive also, I'm not going though this again.
Grant
[protected]

My husband was driving straight down a rural road when a client of Progressive pulled out into oncoming traffic from a stop sign causing my husband to collide with his vehicle. This happened 4/6/2017 at 4:55pm. According to the police report it states that Progressives Client "failed to stop at a stop sign prior to attempting to turn left and pulled into the path" of my husband causing him to strike the client's car. Jamie Lisser, the Adjuster with Progressive, claims that it was not their clients fault. She stated to me that the officer was not there at the time of the accident and that is why she was not agreeing with the crash report filed with Waupaca County.
My insurance company also agrees with the police report that it was their clients fault and Progressive should be paying for the vehicle damage, along with the Chiropractor and towing bills which we have now incurred.

4/27/2017-
I work with Champion Mortgage Company as a HUD Assignment Claims Specialist. I had a homeowner whose account needed an updated declaration page for their file to be submitted to HUD. I faxed a request into Mr. Gleasons office, as he was the agent we had on file.
At 12:06 my time on 4/27/2017, Robert Gleason Called me in regard to the fax because I had left a voicemail to confirm receipt. Instead of helping me or working through the information, He used Profanity such as the F word and then calling me a "twit." When I told him I would have to ask him to stop using that language or I would disconnect his call, he then told me to "Suck his D*ck."

I would appreciate he be reprimanded accordingly or at least made to formally apologize. That is in no way how an agent should treat a mortgagee for one of his Homeowner's accounts.

Filed a claim with progressive. Progressive's examiner initially said the police investigation is pending to process the claim. I called the police and they said the investigation is complete, the examiner changed her stance and said it is progressive investigation and not police investigation. Now progressive says they can't provide any information on my claim due to legal reasons and denied my claim.
Claim no - [protected]

Date of accident: 2/27/17
Customer # [protected]
Our vehicle has been at the progressive Body Shop for 6 weeks and they can't still provide us with a date of completion of the repairs. All we receive from the Body Shop an our are bogus explanations of parts ordered but not available.
We have been policy holders since 1999 of commercial and individual policies.
It seem inconceivable that other parties were paid in such an expedited manner and the customer that faithfully pays the premiums year after year is treated so badly.
It is unfortunate. We have waited patiently, but are now ready to make a formal complaint to the Florida Office of Insurance Regulation

Hello my name is Edward Jones and I have been a progressive customer since 2013. Everything has been with the company and I regarding moving vehicle to vehicle change coverages and even paying a higher rate when I bought my new Honda 2016 Civic. I have been on time with payments as well as supporting progressive verbally and physically but using there facilities to handle my claims which there was only a few. Until recently I am completely disgusted with how my claim was handled and denied. On March 20th my car was hit while it was parked in a business parking lot and I was away at work. I filed the claim process and I was contacted in a few days regarding the claim. I talked to one(Kerrie)representative and explained what had occured and she was very rude and dry about my claim and sounded like she didn't care for my safety neither stating how I been a loyal member. She argued with the fact we need proof my policy was instated at the time of accident. I told her I paid my bill which was a little late this month and she kept stating that we need proof. I told her I have proof progressive sent me a letter and email saying my policy did not over lapse or get cancelled so why am I fighting for coverage when I hand progressive thousands of dollars a year accident free. I then was told a specialist will be contacting me regarding my claim. I then explain to her(Elyse)the entire story over again and she asked for my phone records text message screen shots of text messages of people I contacted about the incident it felt like I was being interrogated. I understand they were doing there job but in the long run I was denied coverage on my own vehicle when my policy was effective. I'm not giving up on this so I will be contacting a lawyer and they will fight for me instead of having my own car insurance fighting against me when in the end someone hit my car and progressive didn't do anything about it. It was minor damage and I went over and beyond to staifsy the progressive representatives was treated like I'm a fault and I'm the enemy. I used to think progressive was good but thanks to the representative Kerrie Goldsby and Eylse Vigneau they are doing there jobs with care for the clients and will be the downfall of the company if you have more of these type of employees.

I am Paul Filstrup of Saint Joseph Michigan and have auto, home, and now trailer insurance with Progressive. I was living in Tanzania in 2015 I decided to switch my home owner insurance to Progressive. I filled out all the info online and it all looked good, I talked with your staff, and I thought that I was insured. When I returned to Michigan in May 2015, I found a packet from your contracted provider (Ameriprise or IDS) that required me to fill out the same info as online and sign and that stated that we were not covered by any insurance until they received the signed documents. It turns out that, when I called them, the whole process had been cancelled and that we would have to redo the whole process. I was never told that I would have to sign any documents. I did recover by calling Progressive and they hooked me up with Homesite (policy# [protected]) and the whole process was quick and efficient and we were able to get home coverage again. The same thing just happened with me and trailer insurance (we had just purchased a trailer in Colorado) - I did all the processing over the phone with your Progressive agent and thought I was insured (policy# [protected]). When I got home on April 5, there was a packet of forms that we had to sign and mail back by April 9 - I was never told that this would happen. I filled them out and mailed them on April 6 so I hope that I am covered. You need to inform people that there are forms coming that have to be signed.

I filed a claim to have my vehicle repaired and provided Progressive permission to move my vehicle to their storage facility, Copart. My vehicle arrived at Copart 4 days after I filed the complaint and Progressive sold my vehicle within 3 hours. Progressive sold my vehicle before it was processed and appraised. At the time, I didn't know my vehicle had been sold; which explains why Progressive refused to allow me to have my vehicle appraised and have it returned. They already received the funds from the buyer. I took Progressive to Court to have my vehicle returned an repaired. I was awarded the full amount. Needless to say, Progressive kept the funds, paid the lien holder, transferred title to reflect Progressive as the legal owner, completed the selling transaction to the buyer and now I did not have a vehicle. I never signed any documents authorizing Progressive to act on my behalf or sell my vehicle.I filed a claim with the FTC. You may file a claim with them as well at ftc.gov/claim or call [protected]; as I know I'm not the only wounded insured.

I feel bad for others after reading complaints and am lucky I am only out $165, but I still feel frustrated with Progressive and will never chose them as an insurance choice.

We were hit from behind by a distracted driver who took full responsibility (crying baby in backseat) and had Progressive as insurance. Progressive called and stated they would cover everything as they took responsibility. Claims rep. seemed very friendly and trustworthy.

Thought it was easy case...bumper damaged and our airbag deployed light came on from impact (at 40+ mph). We were the 3rd car and had least damage, luckily. Bumper was easy. Took it in to their facility. They stated could not fix airbag light and that we needed to take it to a mechanic and they would reimburse and needed letter from mechanic stating caused by accident.

I guess we were naive thinking that because Progressive had been so reliable to that point, there would be no issues.

Well, apparently there is no "proof" available that the light came on due to the accident. The mechanic wrote a letter stating that it was his "professional opinion" that it came on from the accident but that was not enough so we are out $165.00.

Apparently there is no way to prove that we weren't in "another" accident or that the light just came on for other reasons (defective) and we were trying to get Progressive to pay for that as well, basically being accused of attempting to "scam" all for $165. Progressive, we will NEVER chose you as an insurance company...NOR will we ever recommend you to family or friends.
Called and e-mailed several times to check status of refund (they had to review things), without response. Finally, e-mail response from them stated they were still reviewing (3 weeks ago)...so we have determined that we are getting the run around. To Tracy, you stated it wouldn't be a problem getting refund after taking to a mechanic...even discussed how I was worried to drive car with a lit picture of a deployed airbag made me nervous...does that sound like the light had been on prior to accident? To Samuel, thanks for giving us the run around.

Progressive insurance
Bad faith insurer

On june 30, 2012; my pregnant wife, while driving, was struck by another vehicle.
The driver of the offending vehicle, a seattle police officer, admitted fault. He was insured with progressive insurance.
Our daughter was born prematurely at just over 3 lbs.; spending the first weeks of her life in the natal intensive care unit at providence hospital, everett wa.
We spent that time healing, juggling jobs and responsibilities, which included our 2-year old son.

Our major medical coverage plus personal injury protection with our own insurance providers covered most of our medical expenses.

We were left with a balance of the expense to repair my wife’s vehicle, lost wages & deductibles and therefore approached progressive insurance for $6, 843.19 minus an offset from our own coverage of $555.25; leaving a remaining balance of $6, 287.94 to make us financially whole.

Progressive insurance through a series of adjusters over three years made embarrassingly low counter offers, eventually forcing us to court. There, during a fourth appearance, on a legal technicality unrelated to the claim, our case was summarily dismissed.

What you can do to help

1) sign this petition
This petition will be forwarded to the current president of the national association of insurance commissioners, ted nickel; asking for a nationwide investigation into the claims practices of progressive insurance.
https://www.change.org/p/ted-nickel-make-insurance-provider-accountable

2) contact your own, state insurance commissioner
If you have ever had reason or cause to file or been involved in a claim with progressive insurance, or been a customer; and, been treated unfairly with regards to a claim, billing or coverage; contact your state insurance commissioner at the corresponding office listed with the national association of insurance commissioners. http://www.naic.org/documents/members_membershiplist.pdf

3) vote with your feet
If you are currently insured with progressive insurance, get quotes from other carriers and consider changing your provider. Do not drop insurance before securing proper coverage at a competitive price.

4) consult an attorney
If you currently have a claim of any size with or against progressive insurance or someone insured with them, schedule a consultation immediately. Two opinions are good, three are better.

5) check your portfolio
If you own stock in progressive insurance nyse: pgr, consult your financial advisor to consider the value of this holding and whether divestment is in your best interest.

*
The basics of bad faith

First party insurance

Refusal to pay a claim without a reasonable basis or even if insurer has a reasonable basis for denial, failing to properly investigate the claim in a timely manner.

Third party insurance

Failure to defend or indemnify or settle claim within policy limits without a reasonable basis, or failing to properly and in a timely manner, investigate of defend the claim.

Types of conduct which may be bad faith:

1) deceptive practices of deliberate misrepresentations to avoid paying claims
2) deliberate misinterpretation of records or policy language to avoid coverage
3) unreasonable litigation conduct
4) unreasonable delay in resolving claim or failure to investigate
5) use of improper standard to deny a claim
6) arbitrary or unreasonable demands for proof of loss
7) abusive and coercive tactics to settle a claim
8) compelling an insured to contribute to settlement
9) failing to thoroughly investigate the claim in accordance with their own procedures
10) failing to maintain adequate investigative procedures
11) failing to disclose policy limits and explain applicable policy provisions or exclusions

Thank you for your help

In advance, i greatly appreciate your assistance in bringing this to light.

Thank you.

Claim number [protected]. Just had an awful experience at the claims department. If a supervisor says he will not bring someone in the room that has been rude towards a claim customer. Why would.he proceed to do it. He then proceeds to say this is.not 1960 which is referring to being racist. My son is black and i am highly offended. This was very unprofessional of the SUPERVISOR. And can not believe i am going through this, being miscarried my child after this accident.

Just purchased a new car. So I needed to add it to my insurance. After being quoted the price. They added it to my policy for it to be the wrong state. So I called back to insure the vehicle in the correct state and they said they were reviewing my policy and I couldn't make changes to my account until I recieved an email. The person I talked to said it would be two days so I scheduled a car inspection where I needed proof of insurance 3 days away and have yet to receive an email. The customer service was horrendous. The last lady I spoke to made it seem as if I were responsible for my account needing to be reviewed and here I am with no insurance on my car. This was a major inconvenience and I'm getting quoted for prices right now to switch my policy Friday.

My car was parked in Advance Auto parking lot. I was in the store. One of the employees said to me "hey isn't that your car?" That plow guy just backed into it hard and pushed it forward up onto the curb! I got the drivers information. And the progressive information. Also I have spoken with the drivers boss from Woodies tire service. She apologized and stated they were taking full responsibility and would take care of everything. That was last Wednesday. On Thursday after speaking to Jennifer again she said she was going to call in a claim and I would get a call back same day. That didn't happen. Now on Friday I spoke with someone at Progressive and they said they just received the claim. Also I pleaded for a rental car as my car is now dangerous and illegal to drive as a result of the damage. They said they can't approve a rental until they talk to the owner and the driver! Seriously? the owner filed the claim! Now I call the driver and the Jennifer and ask them to call Maritza Ribeiro [protected] who is now assigned the case. I finally got a call from Maritza at about 5pm on Monday saying that she spoke with both parties and now I can proceed getting the car inspected for damage and get a rental. Now she tells me I have to come up with the deposit to get a rental! I am broke and the victim and should not have to pay one cent! She keeps asking when I can schedule the car to be dropped off. I keep telling her my wife works six days a week (its my wife's car) and until she has a rental I can't take the car anywhere because my wife needs a car to get to work! Not to mention that my wife is super unhappy and uncomfortable now being forced to drive an unsafe car! After going around in circles with Maritza on this I get really pissed and tell her I want to speak with her boss. She said ok but I haven't heard a word from them and yet another day my wife is forced to use the damaged car! The car was hit in the rear. I had an autobody shop do a preliminary inspection and they discovered a smashed tail light, quarter panel damage, bumper damage, trunk damage, then they opened the trunk and discovered more pushed in structure that they said need to be put on a machine and pulled back out. It was after this I spoke with the witness and found out the car was pushed onto the curb. So I wouldn't be surprised if there is damage under the front as well. I can tell you the alignment is off now and the car pulls to the right. I ca also tell you that now the exhaust has been bumped it is now louder and obviously leaks dangerous fumes under the car. The car is a 2003 civic hybrid with high mileage. I know the car is not worth a whole lot and its easy to see the damage is going to cost a lot so I wouldn't be surprised at all if it is deemed totaled. Maritza wanted me to bring the car in and drop it off. I can't do that being alone I would be stuck there. Also I said I wanted to be there for the estimate and speak directly to them. She said I can't do that. She also said once I drop the car off I am committed to having them do the repair. I told her I am not sure I will want them to fix it. She said then we can't give you a rental car. I am so furious. This is a very clear cut case of my property being damaged by your insured. It is my right to decide what I want done with the car once the damage estimate is done. I should be given a settlement check immediately to do with as I please. Not as you say. I can choose to have it fixed or not. I can choose to fix it myself or not. Doesn't matter, you owe me a settlement check! claim number is [protected]. Tomorrow will be a week already we have suffered with the damage. We should already have a settlement check from you. Instead things are at a complete standstill and I am not having it.