“Katie died in a 2010 crash after another driver ran a red light. The driver was underinsured, and Fisher’s family had to sue the driver for negligence in order to force Katie’s insurance company, Progressive, to pay the difference. What really irked Fisher was that Progressive actively participated in the other driver’s legal defense. His scathing post about the debacle quickly went viral and turned into a social media nightmare for Progressive. The company defended its decision: ‘Under Maryland law, in order to receive the benefits of an underinsured driver claim, the other driver must be at fault.'”
http://money.cnn.com/2012/08/17/technology/progressive-settlement/
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