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. This page is available in other languages. 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.
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. 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. 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.
For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. Information provided by an applicant or insured person to a business owner, general liability, professional liability, or workers' compensation insurer is subject to their terms of use and privacy policy, and may be shared with us.
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. Most major auto insurance companies, such as Allstate, Liberty Mutual, Greco and Progressive, offer their policyholders the option of quickly obtaining an estimate of vehicle damage by taking photos and videos with their smartphone and uploading them through the company's app. 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.
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.
