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. With most minor car accidents, a police report is not needed for insurance. Minor disputes may not warrant a police officer responding to the scene.
In that case, it's up to you to chronicle the details of the incident. If no one is injured in the car accident, the damages are minor, those involved have a valid license and insurance, and all parties cooperate, a police presence may not be necessary. 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. The process for filing a car insurance claim with your insurance company is similar, whether you have a police report or not.
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. 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. 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.
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. 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. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. 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 a report, simply give your car insurance provider the name of the police department and the report number. 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. 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. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work.
Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. 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.
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