August 16, 2013
Insurance Company: Progressive
Coverage Type: Auto/Boat/Motorcycle
- Claim Handling - Denial of Claim
we lost our cars in superstorm sandy. we just relocation to NJ weeks before superstorm sandy from WA and at the time of lost, we are still holding auto insurance in WA progressive but already report the change of address to progressive WA. after sandy, we tried to file a claim but progressive WA refused to pay us as we did not buy flood insurance of the car. however, some agent told us that progressive should pay us because sandy is a big disaster announced by the President and we are in keansburg nj and is one of the biggest area that influenced by sandy in NJ. so, I'd like to ask that should progressive pay our lost or not?
September 22, 2013 at 9:19 PM
Hi, so sorry to hear this happened to you. Unfortunately, I don't have good news for you. The insurance co is only going to pay out for the coverage you have been paying for. In order for your cars to be covered you would need to carry a coverage called comprehensive--this covers damages to your veh that are a result of wind, hail, rain, theft, vandalism and flood. Each coverage that you carry on your policy does something specifically. and if you haven't elected to pay for it, you don't get it.