Progressive has got to be the worst company that I've ever dealt with. On October 29 I took out a small policy on a 150cc scooter that I purchased.in Florida you are not required to carry insurance on a motorcycle or scooter, but I thought that I would rather be safe than sorry so I went to progressive for the policy. The entire policy cost me $70.70 for a years worth of cover, which I broke into two payments that would be auto drafted from my account. The first payment was taken the day I purchased the policy and the second and final payment posted to my account last month. Sometime, close to when the November payment posted, I received a noticed that Progressive wanted me to sign a form authorizing the auto payments. Given that they policy was already paid in full, really what's the point, so I did not sign it and send it back. So imagine my surprise today when I get an email notice saying that my next payment of $513.00 is due at the end of December. The scooter isn't running and I'm planning on selling, so it's a fairly simple decision to cancel the policy. I call their Customer Dis-Satisfaction line, explain that I want to cancel the policy and then I'm placed on hold, for an "Expert". I advise him that I want to policy canceled immediately, and he wants me to give him an explanation as to why I want to cancel the policy. Um, are you kidding me? I'm 42 years old and I don't have explain myself to you are anyone within this company as to why I want the policy canceled. He keeps pushing it, so just to get this done, I tell him I'm planning on selling it. He wants to know what the date of the sale is going to be. Wow, is this guy for real? I tell him I don't know what date the scoter is going to be sold and he tells me that he isn't going to cancel the policy because it's a requirement that I carry insurance in the state of Florida. At this point I'm really pissed because this "Expert" doesnt know the law in Florida. We get into a screaming match and of course the jack wagon hangs up on me. I call right back and demand to speak to a supervisor. I get a supervisor named Janet who proceeds to tell me that the $500.00 was charged because I didn't sign the stupid auto draft from and send it back. Now I'm hopping mad. The policy is paid in full and they have the freaking balls to charge me for not signing an auto draft from? Of course she wants to fix it and I'm not having any of it and want this policy canceled right now, not 10 minutes from now, but right now. Then we go back through the same crap of Florida requires you to carry insurance. I have to tell her to put me on old and look up the law. Of which she does because I'm hold for like 10 minutes. She come back and says that she will cancel the policy today. I say to so, I was correct that I'm not required to carry the insurance! She tries some BS and about I could get fines for dropping the policy. This is a point blank load of crap the law regarding motorcycle insurance is posted below. As you can see they were trying to strong arm me into keeping the tiny policy. Are they really this short of money that they have to point blank lie and try to seal from me? Please beware and don't use the company.
Florida does not require motorcycle insurance for most riders. Only riders under 21 years of age or who do not wear a helmet are required to purchase motorcycle insurance. Many drivers, though, overlook a key technicality that could cause them future agony. According to the 2009 Florida Motorcycle Handbook, which is published by the Florida Department of Motor Vehicles, the state's Financial Responsibility law applies to drivers of all motor vehicles. The law stipulates that motorcycle drivers who fail to carry property damage and bodily injury liability coverage can lose their license and registration and be required to purchase mandatory high-risk motorcycle insurance. Such actions are taken only for motorcycle drivers who are involved in specific incidents, including convictions for DUI and involvement in crashes.
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