Auto and Car Insurance

Progressive Auto Insurance question.?

So here's the deal, I live in Michigan, I had PLPD insurance from progressive, I've had them since 2.5 years ago when I got my license up until last Wednesday when the insurance expired and my parents can no longer afford me on their plan (I'm 18 and have 13 pts on my license which got suspended last month) But in January, some kid slid through a stop sign and hit me, the car is technically totaled since the KBB value is less than the cost of repairs. I filed a police report and everything and faxed it to Progressive and now they're saying that they can't get me the $500 that they owe me cuz the kid didn't have insurance at the time of the accident. Here's the catch, the cop took down his insurance info and didn't even write him a ticket for running the stop sign. Progressive is saying that the only thing I can do is take the kid to small claims court and sue him for the $500. I feel like Progressive is just jerking me around, anyone have any insight on this?

Public Comments

1. Did you still have your card after your insurance expired? So did the kid that hit you. Obviously Progressive tried to get that $500 (and what they paid out) back from the other insurance company, but the kid was not covered when he hit you. You are owed your losses by the person who hit you. So take him to small claims for the $500 if you want it back, as they told you that is your only option. Do it quickly because I imagine Progressive is also suing him for what they paid out.
2. The owner of that company is a socialist. It doesn't surprise me he operates his company that way.