mmarshall

Well, as I see it, she didn't have anything to do with this case. She's just an actress that gets paid to put on a white suit and some make-up for those silly commercials....not one of Progressive's legal team or someone who would actually represent the company in court. And, besides, even though she talks and acts a little quirky in the commercials, IMO she's cute.

Here, BTW, is what she looks like without make-up:

Och

iTrader: (3)

The whole business model of any insurance is to maximize income, and minimize payouts. If they want to stay in business, they need to protect their business model by all means possible, no matter how unethical these means can be. Otherwise they are going to be crushed by claims and go bankrupt.

mmarshall

They are supposed to take that into consideration, though, when they set policy-rates. That's why young males, especially those with a poor driving-history and/or with high-performance cars, often pay the highest rates....like it or not, they are often the highest risks. The same, of course, is also the case for high-crime areas or those places with a high risk of natural-disasters.

oohpapi44

iTrader: (1)

Many of you need to read the NY Times link and understand how insurance policies work and respond in the event of claim. If you have the exact same policy NO MATTER THE INSURANCE COMPANY, then your company is likely to respond in similar fashion.

(Caps aren't meant to yell, but to highlight the point)

I8ABMR

As my father used to say " only in America". There is a special place in hell for insurance companies and their underwriters .

bitkahuna

iTrader: (20)

insurance companies are casinos with sales people and without chips. bunch of mathematicians, lawyers, and marketing. they're not going to pay out if they don't have to. if you want better insurance, actually read your policy (most don't) and make sure you have the coverage you want. caveat emptor.

RA40

iTrader: (6)

Wha...actually read that fine print that they have calculated to cause eye strain? And thus allowing them to fleece policy owners over for the exclusions buried among the legal wording.

Agreed many and even myself, I am not as thorough as could be when reading documents that will contain my signature.

grabber2

Progressive has become Aggressive.......... I hope this new get to spread to everyone so they can stay always from progressive.

I hope people will understand that: Ad on TV are not trust worthy

FrankReynoldsCPA

I used to think Flo was cute, but she's overused now. They need a new spokesman and ad, and better ethics.

xsh0tya

It might suggest the motive of the family. As implied.

oohpapi44

iTrader: (1)

Exactly... And if you don't like the language, have it stricken from your policy to something you desire and then pay the additional premium that comes with it. Policy is a contract that people never bother to read and then the insurance company is 'evil' for giving you what you pay for.

xsh0tya

If you pay for bumper to bumper protection, but then they have some clause in your 20(just picked a random number) page contract. That most who aren't lawyers won't completely understand. I don't view that as playing fair. If I pay for to be covered for everything, including comets and I get hit by a meteor and they refuse my claim, Im going to be PISSED!

Sidenote: I am cheap and don't want to have to hire a lawyer to look over all my documents.

bitkahuna

iTrader: (20)

again, caveat emptor. and i'm absolutely not opposed to regulations in industries like casinos, insurance, and financial services because there's so much opportunity for abuse and fraud.

oohpapi44

iTrader: (1)

If there is a clause in your contract (called an exclusion) then you don't have bumper to bumper. You paid for comets then you have comets coverage. If you didn't buy meteor coverage then start putting on the screw face as soon as the storm comes. No such thing as bumper to bumper coverage as only forseeable acts are covered. And then there are some things that can't be insured because of legislation (such as in this case). There aren't a whole lot of surprises with insurance. Your policy will tell you whats covered, partially covered or excluded. Just have to take time to read it. You're definitely going to read it after your claim is denied so why not before and save yourself a head and heartache.

I8ABMR

I se what you are saying but like any business there are standards. I hope the underwriters of this case get what they are giving right back . What goes around comes around.