I’m hoping someone can help me understand a confusing situation I’m dealing with regarding my car insurance. Here’s the story:
In September 2023, I was driving to work when I heard a loud scraping noise. It turned out the engine unit (I’m not very knowledgeable about cars) was loose and dragging on the road. The day before, I had hit a pothole on the road (common in GA). I called my insurance company, USAA, and reported this. Unfortunately, this was likely my first mistake as they filed a claim as an at-fault collision accident.
USAA covered a rental and towed my car to a shop of their choice. The mechanic found that the damage was due to a mechanical breakdown, not an accident. I ended up selling the car for cash and bought a new one. USAA then updated their records, changing the claim from an at-fault accident to a mechanical breakdown.
However, when I bought a new car and got an insurance quote from Progressive, my rate nearly doubled because their report showed an at-fault accident from September.
After about 1.5 years of back and forth, I finally provided Progressive with proof that the September incident was not my fault. They reimbursed me for two past policies, totaling over $900, and applied this to my current policy. My current policy went from $1,709 to $1,122. I had already paid $807 with my first three payments, so I should only owe $314 to have the policy paid in full.
But now, Progressive has only refunded me $125 and is saying they don’t owe me any more money.
Can someone help me make sense of this? I’m really confused about the reimbursement and policy adjustment process and whether I’m entitled to more than what they’ve refunded. 