hey fantastixvoyage,i feel your pain.been there did that in april,through june before i got back on the water.i hit a tug-boat roap in april,did not get fixed till mid june.i feel at times i got the runaround,but i did get it fixed......after 2times of trying to 1/2 way fix the job,they finally replaced the drive w/reman unit.i had to eat the engine coupler myself.i will say this about progressive,they always returend my phone call that day....if that helps.keep on them,that seems to be the way to work progressive.

I have had to hire a lawyer for my Progressive theft claim. It is not even worth my time anymore to give details. I'll just tell you this: If you have your boat stored somewhere secure & you get a phone call saying that you need to come look at the boat. Don't call Progressive & file a partial claim to get the ball rolling. Wait to get all the details otherwise they think you are filing a false claim.

You couldn't pay me even to entertain a quote from progressive. I worked in the auto body business long enough to know that. They refuse to use original parts when their customer specifically asks for them. I cant even imagine them on a boat claim. Towards the end if it wasn't a repeat customer and looked to be a nightmare of a job we would simply say that we cant repair your car the way it needs to be with your insurance company.

Alot of this has to do with your adjuster. Like any business, they're judged on performance. Progressive's criteria are essentially how little they can pay out. They're very large and I suppose they find it better to bait new customers in with low rates than it is to retain their existing customers by servicing them well.

If you get an adjuster who's gung-ho to make a career at Progressive, you're in for a tussle. If you get a guy who's passing through, you may have an easier experience. I've had this same experience with other insurers- one adjuster is a shark, the next can be quite reasonalbe. Progressive's business model strongly leans toward aggressive adjustment.

If you live in the State of VA your screwed, if you own a house and it burnes down(total devestating loss) you have 180 days to rebuild it with your own money and present the insurance co the bill. Now before you say anything My wife and I ended up in the State supreme court, took $250,000 loss on a new house.

burns not burnes!!!!!!

My boat was stolen and had to deal with Progressive. To say the least I took in the ASS. Once the claim was settled it cost me about $15,000.00 So much for having insurance to cover the theft of your boat.

Chris is right, get a crappy adjuster and you are in for it. A lot also has to do with the financial year the company has had, if you catch them right they pay with out much B.S. if there tight they will work you over. My late cousin struck something under water and blew a hole in the bottom and cracked some stringers, the adjuster called it a latent defect which means it's a problem common to a certain manufacturer, such as weak stringers, it cost him 28k to fix the boat and they gave him nothing. Another of the many horror stories I'm sure are out there.

A Buddy Of Mine Has An On Going Claim With Markel And Is Getting Jerked Big time ,The Adjuster They Sent Dosnt Know His A$$ From His Elbow,Going On About 4 Months Now,Its All Ins COs.They Want To Save A Buck And Screw The Insured

Progressive seems to get bashed a lot on this site (unlike others). Our office also represents Progressive along with many other carriers. I believe Progressive is a great company & we have had great response when a claim has come up.

I just spoke to another unhappy Progressive client. When we started talking about his boat, he mentioned that it has 1,350 HP! This is NOT acceptable with Progressive. This guy was upfront about his boat & now is running into problems. I don't know the complete story, but the person he should be made at is his agent. Progressive does allow rating by prop HP (not crank) but 1,350 would still be over their 1,000 max (500 per engine) limit. Also, if you are with a standard carrier & you change / modify your engine, you should update your agent & policy.

Always check your application & insurance policy to make sure the information is accurate to protect yourself in the event of a claim.