BREACH OF CONTRACT

PROGRESSIVE WAS PAID TO HAVE MY BACK WHEN A DRIVER WITH NO INSURANCE IS INVOLVED. AFTER FIVE YEARS OF FIGHTING, I AM EXHAUSTED AND I HAVE NOTHING LEFT.
IN JULY 2010 I WAS INJURED IN A CAR ACCIDENT, I NOTIFIED THE COMPANY IN THAT CASE PROGRESSIVE, AND THEY ASSURED ME THAT ALL WOULD BE WELL SINCE I PAID MY PREMIUMS ON TIME. SINCE THE OTHER DRIVER DID NOT HAVE INSURANCE MY UM/UIM KICKED IN AUTOMATICALLY. ONCE THEY FIND THAT OUT, PROGRESSIVE HAS MADE A DECISION TO STALL THE PROCESS. THEY DENIED EVERYTHING, EVEN THOUGH THEIR ADJUSTERS AGREED THAT MY CLAIM IS VALID. PROGRESSIVE REFUSED TO INVESTIGATE. I HAD TO FILE SUIT AGAINST THE DRIVER AND I WAS AWARDED OVER A MILLION DOLLARS FOR MY INJURIES. SINCE I WAS IN ANOTHER PERSON’S CAR, THEIR INSURANCE PAID TWENTY THOUSAND DOLLARS WHICH WAS THEIR LIMIT. I HAD BOUGHT A POLICY FROM PROGRESSIVE FOR 100/300. PROGRESSIVE GOT MY LETTER ON TIME FOR THE UM/UIM POLICY TRIGGER. A PATTERN OF BAD FAITH STARTED TO EMERGE AND PROGRESSIVE PEOPLE DID NOT CARE. THEIR ADJUSTER TOLD ME TO FIRE MY ATTORNEY THEN THE CASE WOULD BE SETTLED, IT WAS A LIE. I RECEIVED A LETTER WITHIN A COUPLE OF DAYS STATING THAT THE STATUTE OF LIMITATIONS HAS RUN OUT AND THAT SHE WILL NOT BE PAYING THE CLAIM. THEY REFUSED ALL OUR DEMANDS, THEN THEY DECIDED TO NOT SHOW UP IN MEETINGS THAT WE AGREED TO. MY LAWYER AND I AGREED THAT WE HAVE TO FILE A LAWSUIT AGAINST PROGRESSIVE FOR THE POLICY THAT I AM OWED AND FOR BREACH OF CONTRACT AND BAD FAITH. THIS COMPANY HAS IN-HOUSE COUNSEL TO DEFEND THEIR INTERESTS. THEY HAVE THROWN EVERYTHING AT ME. FIRST, A MOTION TO STRIKE, SECOND AN ANSWER WITH SPECIAL DEFENSES AND THIRD A MOTION FOR SUMMARY JUDGEMENT. REMEMBER WHAT I SAID ABOUT STALL TACTICS, NOW THEY ARE USING THAT SAME TACTIC TO GET RID MY CASE, CLAIMING THAT MY CASE WAS NOT FILED ON TIME, THEREFORE THE JUDGE SHOULD THROW IT OUT. THEIR LAWYER ADMITTED THAT THE CASE IS STRONG AGAINST PROGRESSIVE BUT STILL FILE A MEMORANDUM IN SUPPORT OF HIS MOTION FOR SUMMARY JUDGEMENT. ASKING THE JUDGE TO RULES
ON THE STATUTE OF LIMITATIONS SOLELY, HOPING IT HAS RUN OUT, THEN I WOULD HAVE NO CASE TO PURSUE.
MY ATTORNEYS SAID THAT IT WAS FILED ON TIME, WHILE THEY HAVE A RIGHT TO DEFEND THEMSELVES, THEY HAVE BEEN VERY DECEPTIVE, AND THEY’VE BREACHED THE CONTRACT WHICH MAKES IT BAD FAITH. EVERYTHING THEY HAVE DONE IN THIS CASE IS MISLEADING; BASICALLY THEY WERE SETTING TRAPS FOR MY CLIENT IN ORDER TO AVOID RESPONSIBILITY. THEIR WILFUL AND WANTON CONDUCT HAS CAUSED A LOT OF DAMAGES AND PAIN.
THE LAWS ARE COMPLICATED BUT THE LAWYERS CLAIMED IT WAS FILED ON TIME AND THEIR OWN POLICY SAYS SO AND THE LAW ALSO. BUT YOU NEVER KNOW WHAT CAN HAPPEN IN THESE CASES.
I HAVE HAD 4 SURGERIES IN MY SHOULDER AND LAST YEAR I HAD TO TOTALLY REPLACE THE SHOULDER. THIS PAST MAY I HAD TO HAVE KNEE SURGERIES. MY BILLS ARE IN EXCESS OF 120 000 DOLLARS. SUDDENLY THEY ASKED FOR MEDIATION, IT WAS A BAD IDEA. I WAS OFFERED 5000 DOLLARS AND I WAS TOLD THAT WOULD BE ONLY OFFER. I WAS HURT BY THIS BECAUSE IT SHOWS THAT NO ONE CARED ABOUT AND I STARTED TO ASK QUESTIONS ABOUT ME SINCE I BELONG IN THE MINORITY CLASS, I WAS TOLD BY THE MEDIATOR WE << WE ARE TRYING TO PUT SOME MONEY IN YOUR POCKET>> NO ONE TALKS ABOUT POLICY , PAST AND FUTURE MEDICAL BILLS. I HEARD EVERYTHING THAT COULD GO WRONG FOR ME AND BECAUSE OF THOSE THINGS I SHOULD TAKE WHATEVER PROGRESSIVE GIVES ME. I HEARD NOTHING ABOUT MY PAIN AND SUFFERING AND BELIEVE ME I SUFFER EVERYDAY. I HAVE TO TAKE PAIN MEDICATIONS, THEY HELP ME FUNCTION BUT OVERALL MY LIFE SUCKS. NOW I FACE THE POSSIBILITY OF BEING HOMELESS , SINCE I HAVE LIMITED INCOME, IT IS NOT ENOUGH TO HELP MY CHILDREN AND I , THE ONE PERSON WHO WAS HELPING ME HAS FOUND OUT SHE HAS CANCER , MY MOTHER HAS MULTIPLE MYELOMA , SHE HAD TO STAY IN HOSPITAL . SHE IS THE ONE WHO WAS ABLE TO HELP ME WITH A PLACE TO STAY SINCE SHE OWNS THE HOUSE. WE HAVE NOTHING LEFT, MY GOAL WAS TO HELP HER IN ANYWAY I COULD, IF PROGRESSIVE DECIDES TO FOLLOW THE RULES. BUT I REALIZED THAT PROGRESSIVE DOES NOT CARE ABOUT ANYONE, THE COMPANY CARES ABOUT MAXIMIZING THEIR PROFITS NO MATTER THE COST.
DON’T BUY INSURANCE FROM PROGRESSIVE; YOU ARE PAYING THE PEOPLE WHO WILL STAND AGAINST YOU. I HAVE TO WORRY ABOUT MY MOTHER WHO IS EVERYTHING TO ME. CANCER DRUGS COST A LOT OF MONEY AND THERE IS NO WAY I WILL BE ABLE TO PROVIDE THEM TO HER SO I WILL HAVE TO CHERISH THE MOMENT.