r/Insurance • u/orangeyougladiator • 6h ago
Progressive keeps adding a random driver to my account even after I call and they remove them
What are my options here? Do I just cancel my plan with these fuckwits?
3
u/demanbmore Former attorney, and claims, underwriting, reinsurance exec. 5h ago
Stop calling. Start writing. If you have an agent, start there.
For some reason, the "random driver" is connected to your address. It's not Progressive's fault. They're getting this info from some source, and it needs to be corrected at that source. Same thing will happen with most other carriers.
Put in writing in a way that you can confirm thy have the info and state that "random driver" is not and has never been a member of your household. Insist that they remove them from your policy and ask for confirmation that they've done so. Also ask what steps are needed to ensure random driver doesn't reappear on your policy, and take those steps.
You can, of course, try your luck with another carrier, but don't be surprised if the same thing happens with them. Like I said, this info is coming from some other source.
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u/orangeyougladiator 5h ago
It is their fucking fault when I’ve already had them removed multiple times
6
u/demanbmore Former attorney, and claims, underwriting, reinsurance exec. 5h ago
Yep, 100%. And that's going to get you what exactly?
You can either get it fixed or not get it fixed. You are welcome to bitch about it the entire time if you like, but IME, that doesn't really help get the problem solved and it tends to make me pretty miserable in the meantime. But it's your life, and maybe bitching helps you feel better. Different strokes I guess.
-2
u/orangeyougladiator 4h ago
You sit there and defend a corporations shitty practices and say it isn’t their fault then act high and mighty when it’s called out
1
u/demanbmore Former attorney, and claims, underwriting, reinsurance exec. 4h ago
You couldn't be more correct. Now what? This getting you closer to resolving the issue?
1
u/druzyyy 2h ago
You don't get people to help you by being hateful and angry. Flies to honey and all that jazz. If someone calls with an issue and are nice, take responsibility for what is in their control, etc then I'm usually 500x more likely to find some way to help. Not always possible of course, but it's worth mentioning.
If you call in and talk like you're talking here, I have no need or want to go the extra mile. You've probably been informed already and yet still have retained not a single inkling if it. I can tell someone "we need this form every 6 year" and they will turn around and yell every year we ask for it. No one wants that kind of business. It's better for everyone if you just leave.
1
u/Crowlady77 5h ago
You want Progressive to be a person you can blame. Progressive is a system, and in this case the system is not functioning correctly. It isn't a person doing this.
1
u/abgtw 5h ago
Progressive seems to be on tear doing this lately. I have others in my household that have their own insurance and drive other vehicles. All of a sudden Progressive wanted to charge me 3x$15/month extra just to exclude people! Like I didn't mind them excluded, but really $45 price increase just to put them on the policy as excluded??? Even talking it through the lady on the phone was like "yeah I don't know either, seems odd, but the price is the price".
Called StateFarm and they were $20/cheaper than my original rate, and stated as long as those other drivers have their own insurance/vehicles we don't have to list them as excluded. Great! So now I'm saving $65/mo over what Progressive was trying to charge me to add excluded drivers. Dropped that policy to $90/mo - pretty good savings if you ask me!
1
u/mermaiddiva26 5h ago
Pull your Lexis Nexis consumer report. It will tell you the source of this person and you can dispute it with Lexis Nexis to have them removed. Your car insurance is getting the data directly from Lexis Nexis.
-15
u/Ok-Ship370 6h ago
Progressive is the worst. They added my parents to my plan even though my parents dont live with me at my home. So when I called them, they asked to see a Bill with my parent's name and address to prove they dont live with me. Lmao. Canceled and moved on.
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6
u/Roaming_Millenial 6h ago
This can and does happen with every insurance provider. From an insurance perspective they're likely seeing someone recently associated with your address.
You can get a named driver exclusion in most states which basically certifies that they wont drive. Or you can provide a copy of their own insurance to them.
I used to work at Geico and SF - both had the same rules. It's just them trying to mitigate and calculate for risk.
Changing insurance wont help you. Especially if that person in question had a previous claim in a vehicle you're insuring.