Can I file a claim with Progressive auto if they're cancelling me today? - GoFuckYourself.com

MrMaxwell · 10-31-2013, 04:18 PM

I caught some hail a couple of months ago.. I wasn't going to file a claim, but, since they were less than helpful and would not work with me and everything, what the hell. I don't know if it'll affect my rates in the future... who knows.. But they cancel me 10/31 and I filed the claim 10/31. I should be paid for the claim even if I file it after the coverage cancels, right? I was insured when the loss occured..

I know a lot of you understand law real well so any information would be good

rocky1234 · 10-31-2013, 05:58 PM

it seems reasonable but it all depend on exactly when the cancelled you - before or after u file the claim? if before then you don't have much of a case. if after, then you do.

MrMaxwell · 10-31-2013, 06:01 PM

Quote:

Originally Posted by rocky1234

it seems reasonable but it all depend on exactly when the cancelled you - before or after u file the claim? if before then you don't have much of a case. if after, then you do.

I was into them $300 past due, paid $201 first week of this month, and they couldn't give me until the fifth to come up with the other $109 they wanted. That's stupid if you ask me.

But the cancellation is only because of that.

AND they wanted to raise my premium 40% after this policy period for no apparent reason, at all.

MrBottomTooth · 10-31-2013, 06:40 PM

Quote:

Originally Posted by MrMaxwell

AND they wanted to raise my premium 40% after this policy period for no apparent reason, at all.

Not because of your dui? 40% increase sounds about average for a charge like that.

Penny24Seven · 10-31-2013, 06:43 PM

as long as you still have insurance it does not matter

Seth Manson · 10-31-2013, 07:04 PM

Quote:

Originally Posted by MrMaxwell

they wanted to raise my premium 40% after this policy period for no apparent reason, at all.

Yeah, no reason at all. Sounds legit.

Dvae · 10-31-2013, 07:13 PM

Quote:

Originally Posted by MrMaxwell

I was into them $300 past due, paid $201 first week of this month, and they couldn't give me until the fifth to come up with the other $109 they wanted. That's stupid if you ask me.

But the cancellation is only because of that.

AND they wanted to raise my premium 40% after this policy period for no apparent reason, at all.

I'm guessing this is not the first time you were past due.
If thats the case then all I can say is good luck, they will probably deny your claim. And why would you wait 'til the last day to file the claim, did you not know of the hail damage a week ago?

madeofmoney · 10-31-2013, 07:30 PM

Fuck yeah, go drive the shit into a ditch.

MrMaxwell · 11-01-2013, 05:10 AM

Quote:

Originally Posted by MrBottomTooth

Not because of your dui? 40% increase sounds about average for a charge like that.

The DUI happened WELL over a year ago.. 1.5 years almost now, and, I added the violation with the correct date when I started the policy.

MrMaxwell · 11-01-2013, 05:11 AM

Quote:

Originally Posted by Dvae

I'm guessing this is not the first time you were past due.
If thats the case then all I can say is good luck, they will probably deny your claim. And why would you wait 'til the last day to file the claim, did you not know of the hail damage a week ago?

It's six payments and I was current until this all happened. My bank bounced a couple I didn't know about at first so I had to catch up a little.

slapass · 11-01-2013, 05:12 AM

Put away the keyboard hahahah. I would try and keep the really embarrassing stuff to yourself.

Harmon · 11-01-2013, 05:14 AM

Quote:

Originally Posted by MrMaxwell

I was into them $300 past due, paid $201 first week of this month, and they couldn't give me until the fifth to come up with the other $109 they wanted. That's stupid if you ask me.

But the cancellation is only because of that.

AND they wanted to raise my premium 40% after this policy period for no apparent reason, at all.

First of all, you didn't owed the $201, you owed them $199 according to what you wrote

Second of all, you should no better. Insurance payments are an all of nothing type of situation. If you couldn't pay them t6he full amount due, then you probably shouldn't have paid them anything at all and saved it for your next insurance company.

rowan · 11-01-2013, 05:20 AM

Cover should be based on the date of the incident, not whether you're currently financial. ie, if you were paid up 2 months ago when it hailed then you should be covered. Call them and ask.

MrMaxwell · 11-01-2013, 05:26 AM

Quote:

Originally Posted by Harmon

First of all, you didn't owed the $201, you owed them $199 according to what you wrote

Second of all, you should no better. Insurance payments are an all of nothing type of situation. If you couldn't pay them t6he full amount due, then you probably shouldn't have paid them anything at all and saved it for your next insurance company.

I didn't owed and I should no better, eh?

I think you are TRYING to say that I did not owe them the $201 I paid but that I owed them the full $300 the bloodsuckers wanted.. Maybe?

I actually wrote:
"I was into them $300 past due, paid $201 first week of this month, and they couldn't give me until the fifth to come up with the other $109"

10-31-2013, 04:18 PM	#1
MrMaxwell Too lazy to set a custom title Industry Role: Join Date: Jul 2005 Posts: 10,057	Can I file a claim with Progressive auto if they're cancelling me today? I caught some hail a couple of months ago.. I wasn't going to file a claim, but, since they were less than helpful and would not work with me and everything, what the hell. I don't know if it'll affect my rates in the future... who knows.. But they cancel me 10/31 and I filed the claim 10/31. I should be paid for the claim even if I file it after the coverage cancels, right? I was insured when the loss occured.. I know a lot of you understand law real well so any information would be good

10-31-2013, 06:43 PM	#5
Penny24Seven So Fucking What Industry Role: Join Date: Jun 2007 Location: USA Posts: 6,287	as long as you still have insurance it does not matter __________________ Our site is coming soon. It will be one of the best ever! I know so. Brian and Penny

10-31-2013, 05:58 PM	#2
rocky1234 Confirmed User Industry Role: Join Date: Jun 2012 Posts: 274	it seems reasonable but it all depend on exactly when the cancelled you - before or after u file the claim? if before then you don't have much of a case. if after, then you do.

10-31-2013, 07:30 PM	#8
madeofmoney So Fucking Banned Industry Role: Join Date: Aug 2013 Location: Agrabah Posts: 323	Fuck yeah, go drive the shit into a ditch.

11-01-2013, 05:12 AM	#11
slapass Too lazy to set a custom title Join Date: Nov 2002 Location: Earth Posts: 14,622	Put away the keyboard hahahah. I would try and keep the really embarrassing stuff to yourself.

11-01-2013, 05:20 AM	#13
rowan Too lazy to set a custom title Join Date: Mar 2002 Location: Australia Posts: 17,393	Cover should be based on the date of the incident, not whether you're currently financial. ie, if you were paid up 2 months ago when it hailed then you should be covered. Call them and ask.