Automotive ennui

This is I think hogwash.

If the policy holder was under an insurance policy the insurer is legally
obligated to pay out on any claims. Why they would want you to sue
the policyholder is rediculous. All their policyholder has to do is go into
court and put up zero defense and immediately acquiece to all of your
claims, and the insurance company is on the hook for everything you
demand. Why would he spend the money arguing with you - it's not
his money that will be paying your claim, it's his insurance company.

I think you are really and truly wasting your time talking to Progressive.
Clearly the Progressive agent is just making up bullshit and shitting you
along in hopes you will get tired and just go away. Your first mistake
was talking to Progressive at all. Just call your agent, file a claim on
your own policy, and let your agent deal with the baloney.

Ted

 

And your answer, I think, is more of the same. You, the injured party,
MUST sue the insured party NOT their insurance company if you cannot
settle the case. The insured party, if HE has a problem with his
insurance company indemnifying him as they have contracted to do, may
sue them - but you can't since you don't have a contractual relationship
with them.

That's part and parcel of the insurance contract. The insurance company
will handle the claim. If they don't want to settle it, for any reason,
then you sue their insured - not them. They will, under the insurance
contract defend the claim against their insured and, if unsuccessful,
pay the damages awarded on behalf of their insured. However, the
insured MUST cooperate in the defense of the claim. If he fails to do
so, the insurance company may "reserve rights" which means that while
they MUST continue to defend the case to the best of their ability
WITHOUT the insured's cooperation, if they lose, the payment of the
judgment is the responsibility of the insured, not them. This
cooperation often becomes a problem but you rarely see the insurance
company failing to pay the judgment simply because very few people are
that stupid and they come around and cooperate after the insurance
company explains what's going to happen if they don't.

 

I wonder what it would do in city stop & go driving.

Not surprising, I'm sure my 3.3L Concorde would show a similar high MPG
on a highway speed downgrade.
You need to combine that with going up the same slope.