PCTG Consumer Complaint Report Record ID#: 1405033524

Date of Report Submission: 07/10/14

Complaint Comments:

Department of Insurance: PROGRESSIVE INSURANCE COMPANY CLAIMS SUPERVISOR MICHAEL J. CHADWICK AND PROGRESSIVE APPRAISER JARED WILLIAM UNRUH are in violation of the Pa. Motors Physical Damage Appraiser Act and Regulation - Please investigate the following market conduct and behavior of Progressive Insurance Company employees. On June 21, 2014 our customer contacted progressive Insurance Company and requested Progressive Insurance evoke his rights to appraisal as per his insurance contract with Progressive Insurance. The reason our customer was forced to evoke his appraisal rights is that Progressive Insurance Company has denied final payment for repairs that resulted from an impact to the rear of his vehicle while driving which blew out his rear glass and damaged the surrounding body panels. We have included for your investigation a copy of our customer's letter to a Mr. Michael Chadwick the Eastern Pa Repair Manager of Progressive. Mr. Chadwick has advised our customer that Progressive Insurance Company will not honor his request for appraisal due to the fact the repairs have been completed. As per the Progressive Appraisal Clause it is stated "If we cannot agree with you on the amount of a loss, then we or you may demand an appraisal of the loss." Progressive's appraisal clause does not state the repairs cannot be completed only the amount of the loss. Our customer's vehicle has been waiting for a resolution on the amount owed for the repairs however Progressive Insurance refuses to recognize his rights to appraisal.

Itemized List of Submitted Complaints
Violation of Unfair Ins. Practices Act Title 40
Violation of Unfair Claims Settlement PA Code Title 31
Violation of Regulation PA Code Title 31
Violation of Act 367 Title 63
Unprofessional Behavior
Refusal to use Quality OEM Parts
Non-itemized listing of all damages
Non-Independent Appraisal
Inaccurate description of repairs
Arbitrary Capping & Underpayment

Consumer Information

Name:

Address:

City:

State:

Zip:

Daytime Phone:

Evening Phone:

Repair Facility Information

Repair Facility: Crawford's Auto Center, Inc.

State Appraiser License: 276003

Shop Representative: STEPHEN BEHRNDT

Address: 320 W UWCHLAN AVE

City: DOWNINGTOWN

State: PA

Zip: 19335

Phone: 610-269-1610

Insurance Information

Insurance Company: PROGRESSIVE INSURANCE COMPANY

Claim Number: 14-4020259-01

Insurance Company Representative: JARED WILLIAM UNRUH

Date of Loss: 4-29-2014

Appraiser License Number: 257271

Insurance Company Phone: 717-669-4551

Legislator Information

Consumer Legislative Representative: Curry, Lawrence H. (D) - District 154

Consumer Senator: Washington, LeAnna M. (D) - District 4

Repair Facility Legislative Representative: Schroder, Curt (R) - District 155

Repair Facility Senator: Dinniman, Andrew E. (D) - District 19