We resolve many property damage claims within 7 to 14 days, but repair times can vary considerably depending on the vehicle, the damage, etc. Whatever happens, we'll work quickly and efficiently so you can get back to your normal routine. The insurance company generally has approximately 30 days to investigate your claim. 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. 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. 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.
If you were recently involved in a car accident and the other driver's insurance policy is from Progressive, you may be thinking about filing a compensation claim. 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 way, the adjuster can reduce the amount of compensation that Progressive has to pay on behalf of its insured. You file a collision claim against your own insurance policy because you need a new car as soon as possible.
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 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. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. An attorney who is well-versed and familiar with state negligence laws could advocate on behalf of the plaintiff and challenge any wrongful liability claims filed by the Progressive insurance adjuster.
The insurance company and the insured will pay the chosen appraiser and bear the costs of the appraisal and the arbitrator. 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. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. Keep in mind that car accident investigations can take months to complete if there are serious injuries, multiple drivers and cars involved, and if it is unknown who was at fault.
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.