Paula and Frederick Bakley of Matgorda County in Texas were at Wharton RV dealership when Progressive Insurance called them saying that the family would not be receiving a $5,000 check to replace their hurricane-totaled RV.
This story by Meagan Flynn originally appeared in the Houston Press.
The claims adjuster had proposed a solution to the family earlier: They could turn over the RV and the title to Progressive, which, in return, would cut the couple a check for $5,169 in accrued equity and pay off the remainder of the loan the Bakleys owed. They planned to use the money to put a down payment on the new trailer, so that they’d have a new home ready to go by the time Progressive came and took their damaged home away on Oct. 19 – but that plan would change before they even left the dealership lot.
Progressive’s “bait and switch,” as the Bakleys’ attorney put it, leaves the couple stuck paying off at least $5,000 more in loans on the now-totaled RV and, if they can’t manage to purchase another trailer by Oct. 19, homeless. Paula Bakley said Progressive is cutting a check for less than half of what it originally paid, after taking the money out of their bank account on Oct. 5.
A Progressive spokesperson said it is trying to resolve the claim with the Bakleys’ attorney, who successfully petitioned a temporary restraining order, preventing Progressive from taking away the trailer on Oct. 19.
A hearing for a preliminary injunction is set for Oct. 24.