In November of 2008 I was involved in a head on collision where a car has hit a dump truck then hit me. The accident was not my fault in anyway and I was seriously injured in both knees and in the abdominal area. The other driver was from out of town and driving a Hertz rental vehicle. My insurance coverage was through Progressive Insurance Company. After the accident Progressive FAILED at protecting me as a client.

The video of the accident was captured on camera, I was in the red Toyota.
http://www.liveleak.com/view?i=c55_1226702550

As you can see the accident was a bad one. The other driver hit me doing over 60 mph.

I had to try and pursue the other driver for my damage claim, which to this date (May 7th, 2009) has not been paid, nor have I seen a dime for my property damage. I work as a contractor, and can no longer lift or work on my legs. This is well documented in the many visits to the Orthopedic doctors. I have internal abdominal scaring from the seatbelt in my vehicle that may or may not heal the doctor said for the next year or so.

I had extended coverage through Progressive in case of an accident, I wanted to make sure if I was hurt I would be taken care of so I raised my policy limits. After the accident I put in a claim for missing time at work. My work required me to lift 80 lbs drill bits and shoring blocks. I don't make much at work but I really enjoyed being outdoors and working for myself. The woman who handled my case (Donna Lunquest) at progressive said I needed to send her my 1040's, and that I did with other supporting documents of my income.

After a month she failed to honor my request for lost income under New York State Law that requires Personal Income Protection (PIP). She kept telling me I needed MORE AND MORE documentation until I got to the point where I could not provide any more. She told me I had to have legal notarized statements from the people I did work for for the past year, which is almost impossible to get. This is how an insurance company
treats a client?

I have never collected on an insurance policy for lost income in my life and when I really needed it Progressive, my own insurance carrier, did everything possible to not pay a dime of it. Trying to pay more for extended coverage with progressive does NO GOOD, they will fight you all the way, that is their business and they are good at hindering you until you can take no more. I since then have lost my apartment, could not pay my bills and now live in my RV, homeless with my cat. I had to throw away many of my possessions since I had no place to store them. I am in constant pain every day and hope someday this will heal. I am a Marine Corps veteran, and now join the ranks of homeless veterans in our country thanks to progressive and this accident.