My daughter was in a car accident in oct 06.she had 2 vertebrates crushes, she still has back problems and been seeing the chiropractor. They did not wont to pay lost wages, they send us four times the same papers, we send them in the first time, well they cant find them, they keep dragging it out, they did not payed the chiropractor since aug,07, which we just found out about. They offered my daughter a settlement of 1500$ dec07, they want her to see one of there doctors, which will tell that nothing is wrong. So my daughter took the settlement, but never knew that they had not pay the chiropractor since aug,07. They do not want to pay them.the bill is higher then the settlement. So she got ripped off by progressive. They seem like they are affordable, but in the end you will pay out off your own pocket and we had full coverage. This company is a joke!