Matt T.

I would like to write this review about Progressive motorcycle insurance. I have carried Progressive insurance on my motorcycle for over 10 years and never had any claims or violations during that time. This past year, in April of 2022, I experienced the loss of my very pristine 2009 Can-Am Spyder while it was parked inside my garage. The entire property, consisting of our cabin, garage, and approximately 92 pine trees, succumbed to a wildfire which consumed everything in a 22,000-acre area. When I reported this loss to Progressive, they insisted on towing the remnants from Flagstaff (where the wildfire was located) down to Phoenix to be assessed for the damage, even though I had sent them pictures of the burnt frame, which is all that remained (even the engine and wheels were gone). They stated that they needed the frame's VIN number. I had to plan a trip up to the burn area to meet with the tow truck operator to point out the wreckage, as I also had several off-road ATVs that were also lost in the fire. The towing company could not give me an exact time, so I had to be nearby the burned property during a 4-hour window when they might show up. Once the truck arrived, the driver refused to pick up the wreckage because it was too far back in what remained of the garage, and he was going to have to move some other objects to get to the motorcycle frame. Fortunately, I had another person there with me, and together the two of us were able to make enough room for the tow truck's winch to hook up to the motorcycle's frame and drag it out and onto the flatbed of the tow truck. Then the truck left, and I never knew where my frame ended up. I did receive a message sometime after, confirming that my motorcycle was indeed a total loss. They failed to offer a settlement amount which was enough to replace my motorcycle. My 2009 Can-Am Spyder had just 4000 miles on it. This bike was always garage kept and never was ridden in rain, mud, snow, or anything that could cause any cosmetic or mechanical damage to it. I expressed my disbelief about the amount and even sent many examples of comparable motorcycles for sale within 500 miles of my location. The people at Progressive told me that they didn't need to provide enough payment to purchase another motorcycle, just the market value. Okay, market value seems to me to be the amount to purchase a like model vehicle. Makes sense, right? I never asked to have any kind of vehicle to use since mine was burnt up. If it were my only means of transportation, this might have been the case. What if it had been stolen? What if it could've been repaired? Then, I would have needed a temporary vehicle to drive. I never asked nor was offered any of these. At any rate, I will never recommend Progressive insurance to anyone and will never use this company again. I thought this was a decent and reputable company, but it turns out they are neither.