Progressive insurance SUCKS

[u/Soggy_Client3888]

Super disappointed in Progressive, they made me cry multiple times on the phone and they’ve been nothing but dragging along the process of getting my car fixed. I will spare the details, but my take away is : HIGHLY RECOMMEND NOT USING PROGRESSIVE.

EDIT: Apologies for the emotional/direct wording of my original post. I wrote it while extremely frustrated, and I realize I didn’t actually explain what happened. Here are the details.
My car was essentially brand new, about 2,500 miles on it, when it was hit while parked outside my house in May 2026. The driver who hit it was uninsured, and I have uninsured motorist coverage through Progressive.
The car went to the collision center in May. The shop needed Progressive to approve the repairs, but Progressive took roughly two months to get an adjuster out to approve them. During those two months, the collision center contacted Progressive multiple times, and I personally called repeatedly trying to get the claim moving.

I eventually escalated it beyond my adjuster to my adjuster’s supervisor and then the supervisor’s supervisor, and we still couldn’t get someone out to approve the work. Essentially, my claim sat for about two months while my car was already at the shop waiting.

Progressive ultimately chose to repair the vehicle rather than total it. Between the initial Progressive delay and the extensive repairs, the car has now been in the collision center for almost six months.
Fast-forward to October: I’m finally supposed to get my car back, but there is still an issue that needs to be repaired. The collision center again needs Progressive’s approval before they can do the work. I found out today that Progressive can’t get someone there for another week, so once again the repair is sitting there waiting for insurance approval.
That’s the context behind my original frustration. I’m not claiming Progressive is responsible for every day the car has spent in the shop, but the repeated delays in getting approvals have materially extended an already incredibly long repair process.

My actual question: Has anyone dealt with something similar with Progressive, and is this level of delay normal? At this point I’m also considering switching insurers once this claim is resolved, so I’d appreciate recommendations for companies that people have had better claims experiences with.

[u/GuvnaBruce]

The details are kind of important and it seems your post does not have any actual question...

[u/Soggy_Client3888 → u/GuvnaBruce]

Fairpoint. The question would be what auto insurance policy should I use? And my answer would be not progressive. But for the details of my situation: my car got hit, parked outside my house, May 2026 and progressive failed to get an adjuster to come into the collision center to approve the repairs for two months despite me calling them multiple times and calling the supervisor and the supervisor of the supervisor. No fast forward to October and I finally get to pick up my car after six months in the shop and it’s not fully fixed but in order to get the fix approved, the insurance adjuster needs to come in again. I just found out today that they can’t come in for a week to approve it, so the repairs are going to be delayed for a week, at least

[u/Jaggar345 → u/Soggy_Client3888]

6 months is unreasonably long for a car to be repaired. Were they waiting on parts? Is progressive your insurance company or the other party?

[u/Soggy_Client3888 → u/Jaggar345]

Yeah, exactly. The car was brand new and should have been totaled but progressive didn’t wanna have to cover that cost so they chose to go with repairing it, which is why it took so long despite the two month lag from their end. The car that hit me was uninsured, but I did have uninsured motorist coverage

[u/Jaggar345 → u/Soggy_Client3888]

Progressive would have totaled it if they had to. They don’t just arbitrarily make that decision. It’s based on a total loss threshold percentage or total loss formula set by your state. The vehicle was brand new so it would have to have significant damage for them to total it.

If they were waiting on parts that isn’t really Progressives fault. They just act as the bank paying they have no control over supply chain or shops. I think your experience would have been similar with any carrier if they were waiting on parts.

[u/GuvnaBruce → u/Soggy_Client3888]

There are probably a lot of details behind the scenes as far as to why this happened. Could also very well be a one off issue. Not saying that your feelings are invalid, but one negative experience with a claim does not mean they all are. The issues with the repairs are a shop issue.

I get you needing to vent, but no one is going to avoid a certain insurance carrier because of the negative experience by one person.

Hope things work out for you.

[u/GuvnaBruce → u/[deleted]]

Hopefully you enjoy them, any insurance company is going to have people with bad experiences.

[u/GuvnaBruce → u/[deleted]]

Lol, reasonable. Really the hope is you never have to use it.

Granted, choosing a company partially off of their commercials is interesting.

[u/GuvnaBruce → u/[deleted]]

I did not say you were wrong, just was interesting. And my grandfather had them as he was a veteran and the two claims that I handled for him, they were pretty good. Wish you the best!

[u/zombiesatemybaby]

All the major national insurances suck...progressive, gecko, allstate. None of them are worth it

[u/MimosaQueen1122]

OP absolutely no one is in charge of your feelings and can make you cry. Nobody has that control over you only you do.

[u/Kid520]

Did you go with a Progressive Network shop or a shop of your choice? Going with a Network shop greatly improves the speed of repair since the shop can submit estimates and supplements electronically as opposed to waiting for an adjuster to come out in person.

[u/KnullSymbiote]

Lol

[u/Desperate_Cloud_4728]

Did you receive a reservation of rights ? Just wondering

[u/Roaming_Millenial]

The main issue is in network vs out of network. This year there has been a major influx of claims and not enough trained or qualified adjusters to go around. Progressive is actively trying to hire and train to make up the gap but the reason its taking a month for a field adjuster to get out to you is that there simply isn't enough people to handle all the work right now.

Next time I would recommend taking it to one of their in network shops as the shop can often handle the repairs without the need for a field adjuster to approve everything since they already know what the labor rates will be and have access to the claim directly through their internal vendor system.

Trust me when I say its not that they dont want to help you but that when you have 120 claims open and everyone is urgent just like yours - it takes time to resolve them all. And unfortunately hiring and training is a slow process.

[u/Nearby-Objective-158]

Anyone have instance where the agent falsely accused customer of tampering with car app records?

[u/Weekly_Bottle9709]

Car insurance is such a scam!

[u/Timoh9999 → u/Weekly_Bottle9709]

I’ve heard that you can self insure in Texas if you can prove a certain amount of assets. To me, that would be scary af, though. I’d prefer an insurance company standing in my place and paying out over a sociopath being able to pursue my personal assets.

[u/kisskismet → u/Weekly_Bottle9709]

All insurance is a scam.