Car insurance claims are easy to file. Our Progressive representatives help you through the process and ensure that your repairs are handled quickly and efficiently. We're working hard to get you back on the road as soon as possible. You can file your claim through our mobile app, online, or by calling 1-800-776-4737 and providing basic information.
A representative will explain your coverage and next steps. The time frames for filing a claim vary depending on the insurer, the state and the type of claim. Each state provides you with a longer than reasonable amount of time, but you shouldn't delay in contacting your insurer. The surest way to defeat the insurance company in a reduced value claim is through a lawsuit.
Depending on your insurance coverage, Progressive can provide you with a replacement vehicle, payment of a claim, and sometimes a rental vehicle for you to use in the meantime. You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver had no insurance, was underinsured, or was denied liability by your insurance company. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here. You file a collision claim against your own insurance policy because you need a new car as soon as possible.
Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful. In addition, Progressive rewards customer loyalty with discounts for insuring more than one car and combining several policies, such as home and car. While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle. For example, if you have reimbursement coverage for a rental car, you may be entitled to a rental vehicle while your car is being repaired.
The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. Filing a claim will increase auto insurance premiums from 3% to 32% on average for three to five years in almost all cases. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim.
If you have rental vehicle reimbursement coverage under your own policy, you will have coverage for a rental car regardless of fault, within the limits of your policy. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work.