Arthur B. Dennis vs. Progressive Insurance: A car-accident story
By Arthur B. Dennis 
On July 4, 2014, The African Weekly Star published a short news story of my car accident in New Jersey, involving Progressive Insurance drivers. The following is the detailed account of that accident.
On October 12, 2011, two Progressive Insurance drivers rear-ended my car (hit from behind) in Vineland, New Jersey and broke my neck and back, causing injury to my brain. In the Police Report, the drivers admitted speeding and lost control. The doctors, who examined my injuries, recommended that we undergo three separate surgeries, costing over $47,000 in co-pay if we have Medicare insurance.
In a letter dated August 29, 2013 addressed to New Jersey Department of Insurance, Progressive Insurance accepted liability for the accident of its drivers and pledged to pay the cost for the surgeries. And my insurance company would pay the bills for my pain management treatment.
Auto Insurance Fraud Uncovered
In New Jersey, every vehicle owner is required by law to either buy a Standard auto Policy, capable of paying medical expense for all accident injuries; or basic auto policy, capable of paying medical expense for certain accident injuries. Progressive Insurance is the largest standard auto policy seller in the United States.
But in November of 2011, Progressive Insurance submitted two falsified auto policies to my lawyer, which they claimed were the basic policies the two drivers had at the time of the accident. As such, there were no funds available in these policies to pay my medical expense. However, after carefully examining the data in the two policies, the evidence of fraud uncovered was incredibly overwhelming.
First, in the falsified basic policy issued to the first driver ( Megan Stettler), Progressive Insurance knowingly used “Black ink” and Black Marker to conceal the original dollar figures and other material facts under the premium of the policy. In New Jersey, it is a crime to willfully conceal information and other material facts in an insurance policy. It is also a crime of consumer fraud to perpetrate such criminal deception and cover-up.
Second, in the falsified basic policy issued to the second driver (Jessica Shaw), instead of the policy in question bears an effective date prior to the October 12, 2011 accident, the effective date of the policy is October 20, 2011. It means Jessica policy was issued eight days after October 12, 2011 accident. Misleading information of such nature violates New Jersey Statute.
However, we were able to quickly uncover the credible Red Flags of insurance fraud because soon after the accident, Progressive Insurance hurriedly changed these policies from Standard Policies, capable of paying the medical expense, to the most inferior basic policies having no funds to pay medical expense—the goal was to avoid the medical expense of the accident. And because we caught their hand in the Cookie Jar, Progressive Insurance embarked on the following sinister cover-up schemes.
To block the scandal of the insurance fraud from reaching policymakers, Progressive Insurance bribed my Lawyer $1,000 to quit my case. They admitted to the bribery, realizing it is a crime in New Jersey. Right after that, Progressive Insurance hired private investigators to keep surveillance on us through their GSP tracking technology in order to ensure that no lawyer represent me. As a result, over 15 lawyers have declined our case because according to our source, Progressive Insurance would call and tell the lawyers: “Decline his case and let’s meet later for a Handshake Deal.” For this reason, we are constrained to be a Pro-Se Attorney in the case.
To also block us from filing complaint, Progressive Insurance instructed its private investigators to intercepted and steal our private mails at U.S. post office. We filed a complaint, and the U.S. Postal Inspectors went after them and retrieved the stolen mails. They hacked our email and facebook accounts so the insurance fraud scandal would not be published in the media. We filed a complaint and Comcast Internet Provider is probing into the complaint. They hacked my Smartphone and my carrier confirmed the report. Progressive Insurance is paranoid over the scandal of the fraud.
The private investigators also used to enter our physical therapy center, posing as patients and video-tapping our exercises in order to prove that we were faking our injuries for money. To prove them wrong, my doctors issued a Medical Certificate, indicating that my bodily injuries were caused by the car accident and the nature of my injuries is permanent.
They abandoned their video-tape propaganda and started formulating a plan to use GPS technology in order to derail my car on any highway where I will lose control of the steering and die in an accident. We go the tips and alerted the local authorities. It is claimed that they want to use my medical doctor to administer lethal prescription medications that will end my life. Once I am dead, the evidence of the insurance fraud is destroyed forever.
However, on September 25, 2013, we sued the two drivers in court. Progressive Insurance and the private investigators lobbied behind the scene and influenced the Judge to dismiss my case. But we filed a complaint to Judicial Ethics Committee and the Judge was relieved. The matter is still pending decision under a new Judge. Yet, they are still lobbying behind the scene in order to avoid the liability of the accident.
This is the second time Progressive Insurance is avoiding the liability of the accident caused by its driver. On January 25, 2010, Progressive Insurance driver damaged my car in an accident and the Police Report held the driver responsible. Progressive Insurance did the repair estimate and promised to send the money in the mail. In the week that followed, Progressive Insurance walked away without paying a dime.
Auto Insurance Buyers Beware
1. AUTO INSURANCE BUYERS BEWARE: Progressive Insurance is a criminal enterprise operating under the guise of insurance company. For example, the auto insurance fraud and other espionage crimes perpetrated in this case by Progressive Insurance to avoid the liability of the accident caused by its drivers do not represent the universal image of a law-abiding business enterprise. Instead, it represents the image of a criminal enterprise.
2. AUTO INSURANCE BUYERS BEWARE: Progressive Insurance has a notorious track record of formulating lies and sinister strategies to justify its non-compliance with the terms and conditions of customer policies.
For example, in June 2010, Kaitlynn Fisher, a Progressive Insurance policyholder, was killed in the State of Maryland by another driver. To avoid paying the death benefits to the family, Progressive Insurance hired Lawyer to defend the driver who killed their own client. The victim’s family filed a lawsuit in court where Progressive Insurance was compelled to pay over $750,000. The Baltimore Press covered the case from start to end. Therefore, the only language that can force Progressive Insurance to comply with the terms and conditions of customer policies is an aggressive lawsuit backed by full-scale prejudicial publicity.
3. AUTO INSURANCE BUYERS BEWARE: Progressive Insurance has a notorious track record of hiring criminal gangs such as private investigators to use criminal surveillance, mail theft, hacking, and other unspeakable crimes against humanity to block its accident victims from seeking redress and justice. The story of my ordeal is a case in point. Therefore, the only way for accident victims to access the public with their grievances is to use aggressive media publicity backed by complaints filed to the appropriate policymakers and state regulatory agencies.
4. AUTO INSURANCE BUYERS BEWARE: Progressive Insurance has a notorious track of bribing and formulating other sinister strategies to influence lawyers not to represent injured victims of accident caused by its drivers-the primary goal is to maximize profits at the expense of these victims. I am a victim of such diabolic influence; and the only language that can deter Progressive Insurance is a full-scale media war in the press as well as in the social media.
5. AUTO INSURANCE BUYERS BEWARE: Injustice to one consumer is injustice to all consumers. Therefore, the purpose of this publicity is to open the eyes and ears of all consumers that whatever goes around comes around. We are the victim of injustice today; other consumers could be the next victim tomorrow. Therefore, AUTO INSURANCE BUYERS BEWARE: Progressive Insurance is a criminal enterprise, surviving solely on the blood and unnecessary suffering of its accident victims.
Arthur B. Dennis holds a hybrid Liberian citizenship and also holds a naturalized U. S. Citizenship. He resides in New Jersey, and can be reached at [email protected] or 609-328-5260.
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