Filing Progressive Auto Insurance Claims

Filing an auto insurance claim with Progressive can be a straightforward process. Progressive representatives are available to help you through the process and ensure your repairs are handled efficiently. You can file a claim by logging in to your policy online, through the mobile app, or by calling the claims centre. Progressive customers without an account can register for one, and non-Progressive customers can file a claim online as a guest. Once you've filed a claim, a claims representative will be assigned to you, and they will explain the claims process and answer any questions.

Contacting your insurance company

When filing a claim, Progressive will likely request certain details about the incident. This may include the location, date, and time of the accident, as well as the name, address, phone number, and insurance policy number for all involved parties. They may also ask for photos of the damaged vehicles and copies of any police or accident reports.

It is important to contact your insurance company as soon as possible after an accident or incident. While deadlines for filing a claim vary, Progressive recommends reporting a claim promptly to ensure your interests are protected. The claims process can be overwhelming, but Progressive representatives are available to guide you through it and make sure your repairs are handled efficiently.

Progressive also offers a Photo Estimate option, where you can submit photos and videos of your vehicle damage through the Progressive Mobile App. This can save you time by skipping the in-person inspection, and Progressive will provide you with an estimate for the repairs.

Reviewing your policy's coverages and deductibles

Knowing your policy's coverages and deductibles is essential to understanding how you're covered and setting the right expectations for your claim. Progressive offers a wide range of auto insurance coverages and features, and it's important to know what your specific policy includes. Here's a detailed overview of the coverages and deductibles you may want to review:

Liability Coverage

Liability coverage pays for injuries or damages you cause to others in an accident, up to the limits of your policy. This type of coverage is typically required by law in most states.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM coverage comes into play when you're in an accident with a driver who has little or no insurance. It covers injuries and property damage caused by the other driver who doesn't have sufficient insurance to cover the costs.

Medical Payments (Med Pay) Coverage

Med Pay coverage takes care of medical and funeral expenses for you, your family members, or passengers injured in an accident, regardless of who is at fault.

Personal Injury Protection (PIP)

PIP is offered in some states and provides similar benefits to Med Pay. It covers medical expenses, lost wages, and other related costs resulting from an accident.

Comprehensive Coverage

Comprehensive coverage protects your vehicle from events beyond your control, such as fire, theft, vandalism, hail strikes, fallen branches, and animal collisions. While not legally required, comprehensive coverage may be mandatory if you're leasing or financing your vehicle.

Collision Coverage

Collision coverage pays for the repair or replacement of your vehicle if it collides with another object or vehicle. This coverage is typically required if you lease or finance your car.

Rental Car Reimbursement

If you're in a covered accident, rental car reimbursement provides a rental car for you while your vehicle is being repaired, up to your policy's limits.

Auto Roadside Assistance

Progressive's roadside assistance covers towing services, lock-out service, flat tire changes, fuel/fluid delivery, and other related issues. It's a valuable feature if you ever find yourself stranded on the road.

Trip Interruption

Trip interruption is an add-on for customers with Progressive's roadside assistance coverage. If your vehicle breaks down more than 100 miles from home, it can reimburse you for certain expenses, with daily limits for lodging, transportation, and food.

Progressive Vehicle Protection

This coverage is for newer vehicles and protects against major system failures (non-accident-related), minor dents and dings, and lost, stolen, or damaged keys. It's available in certain states and may have specific eligibility requirements.

Custom Parts and Equipment (CPE) Coverage

CPE coverage is for those who have added custom parts or modifications to their vehicle, such as a stereo, custom paint job, or custom wheels. It helps pay for repairs or replacements if these items are damaged or stolen.

Deductible Savings Bank®

The Deductible Savings Bank® is an optional feature that reduces your collision or comprehensive deductibles by $50 for every six-month period that you don't have a claim or violation. Over time, this can significantly lower your out-of-pocket expenses in the event of a claim.

Pet Injury Coverage

If your pet is injured while riding in your car with you, Progressive will cover up to $1,000 of their veterinary bills. This coverage is automatically included when you add collision coverage to your policy.

Remember, the specific coverages and deductibles included in your Progressive auto insurance policy may vary, so it's important to carefully review your policy documents to understand what's covered and what your financial responsibilities are in the event of a claim.

Working with an insurance adjuster

When you file an insurance claim, you will most likely be dealing with an insurance adjuster. An insurance adjuster works for the insurance company paying the claim. They will review what happened, estimate the claims payment, and determine the amount of the insurance company's potential liability.

• Try to be present when the adjuster inspects the damage to your property. Make sure they don't miss anything.
• Ask when you should expect the insurance company to make an offer.
• Get the adjuster's contact information and the best time to reach them.
• If you have trouble reaching the adjuster, or if you are facing other issues, contact the insurance company. If you still can't resolve the issue, you can ask the company to assign a different adjuster.
• If you disagree with the adjuster's estimate, tell the insurance company why. They may adjust the offer. If you still disagree, you can explore other options, such as requesting a different adjuster or filing a complaint.
• If you are unsure about the repair costs, get your own estimates from different repair shops. This will help you understand the extent of the damage and the potential costs of repairs.
• Be prepared to provide detailed descriptions and documentation of the damage, including photographs and videos.
• Remember that the adjuster works for the insurance company, so consider hiring your own independent adjuster who will work to protect your interests.

Repairing or replacing your car

Once you've filed your claim, Progressive will assign an insurance adjuster to investigate. They will contact you within one to three days of the claim being filed. The adjuster will arrange an inspection of your vehicle, assess the damage, and determine what repairs are needed.

You can choose which shop handles your car's repairs. Progressive has a network of repair shops around the country and will guarantee repairs at these shops for as long as you own or lease your vehicle. You can also use any other shop you like, but you should check if they guarantee repairs. Progressive will then issue a payment to you or the repair shop, minus your deductible.

If your car is a total loss, Progressive will cut you and/or your lender a check for the value of the vehicle, minus your deductible. If your car is repairable, you can also get estimates from any garage or repair shop you like. These estimates will help you understand what repairs are needed and give you a general idea of the costs. Repair estimates may vary depending on several factors, including labor rates, parts prices, and the amount of time needed to perform the repairs.

If you have rental car reimbursement coverage, you may be entitled to a rental vehicle while your car is being repaired. Progressive will also pay for a rental car if you're in a covered accident, up to your policy's limits.

Using the Progressive mobile app

Progressive has a mobile app that makes filing a claim quick and easy.

First, download the Progressive Mobile App. If you qualify, you can file your claim and download or open the app to get started with a Photo Estimate. This allows you to skip the in-person inspection and save time. Take photos and videos of your damaged vehicle and upload them through the app. Progressive will then provide an estimate.

You can decide whether you want repairs or not. If you do, Progressive will help start the process. If you don't, or you're undecided, Progressive will send you a payment for the estimate amount, minus your deductible.

You can also use the Progressive Mobile App to take and submit photos and videos of your damage. Progressive will then send an estimate electronically, and you can choose one of the repair options mentioned above if you decide to repair.

Filing a claim can feel overwhelming, but Progressive has articles to help guide you through common situations, whether it's a claim on your auto, homeowners, life, or other kind of insurance policy.

Frequently asked questions