Even a small mistake could cause them to call the police, exchange information with the other driver, and notify their insurance company (regardless of whether you intend to file a claim). It's also a good idea to take pictures of the vehicles and properties involved; you may need documentation if the other driver files an insurance claim. A police report provides an official and detailed description of what happened in the accident. Police reports are required when it comes to injuries, significant damage, or extenuating circumstances.
However, you can act as your own detail-oriented advocate in case of minor incidents. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. If you were seriously injured in a car accident, you'll want to know the potential value of your insurance claim. Progressive (and Flo) know how to market, allowing customers to buy insurance online or in a mobile app without an agent, at a time when more and more Americans are looking for affordable policies.
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. The purpose of this page is to help you negotiate a settlement with Progressive, both before and after a lawsuit is filed, to maximize the payment of compensation for your Progressive claim. If you have a personal injury claim due to a car accident, it would be wise to contact an injury lawyer for a free consultation before contacting Progressive or any insurance company. In addition, the jury's verdict in a car accident case can far exceed the limits of the customer's policy, forcing Progressive to pay much more than if it had reached a settlement.
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. In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss. The company offers home, renters and life insurance through third-party insurers, but motor vehicle insurance is its bread and butter. 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.
The Progressive Corporation, known simply as Progressive, is the third largest auto insurance provider in the United States. You file a collision claim against your own insurance policy because you need a new car as soon as possible. Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. Insurance companies should give you a rental car if your insured caused the accident that damaged your car.