After an auto accident, you will need to deal with Progressive’s auto insurance claim process before you can obtain fair compensation for your medical bills and vehicle repairs. Every driver must carry at least the required amount of auto insurance. <\/p>
The driver at fault for causing the crash will be responsible for paying for your damages through his or her insurance policy.<\/p>
Progressive is one of the largest insurers in the United States. While their reputation precedes them, filing a claim against Progressive can turn into a difficult task car accident victims shouldn\u2019t have to deal with. Like many other large national insurance companies, the company is built on a model to build profit, and that often means doing everything they can to avoid paying out a fair compensation.<\/p>
In order to recover fair value for your accident or injury claim, you must be equipped with a plan for combating the tactics that insurance companies like Progressive use to pay you as little as possible.<\/p>
Progressive, known for its funny spokesperson Flo, is one of the top auto insurers in the country. It boasts more than 27 million customers and it offers a wide range of policies, including vehicle, property, commercial, and personal coverage. Unique discounts such as the Save with Snapshot program help Progressive stand out among its competitors.<\/p>
Progressive offers four main types of coverage: liability, comprehensive and collision, uninsured and underinsured motorist, and roadside assistance.<\/p>
Liability coverage\u00a0covers property damage and injury to others that are caused by vehicular accidents, and most states require it. Covered situations include damage to vehicles, property, and other people, along with medical bills and court fees.<\/p>
These will pay for repairs or replacement of a vehicle if the insured is in an accident, regardless of who’s at fault, but these are different insurance types. Comprehensive insurance covers events outside of one’s control, such as hitting a deer or a tree branch falling onto a car. Collision insurance covers accidents involving other vehicles or inanimate objects, such as a fender bender or a crash into a pole.<\/p>
Comprehensive insurance carries a deductible and it also covers damages due to theft, vandalism, fire, or other acts of nature.<\/p>
These cover accidents caused by a driver with no or insufficient insurance protection. Uninsured insurance covers an insured who’s hit by another driver who has no auto insurance at all. Underinsured coverage protects an insured who’s hit by someone who doesn\u2019t have enough coverage to pay for damages or injuries they cause. Uninsured and underinsured insurance is offered alongside each other and is mandatory in many states.<\/p>
Progressive\u2019s Roadside Assistance comes with a variety of 24\/7 services to help out in an emergency if you want extra peace of mind on the road. It’s provided by Agero, which offers driver assistance services commonly used by insurance companies. It covers various problems and mishaps.<\/p>
Progressive also offers additional types of insurance. <\/p>
Gap insurance<\/strong>. Under this coverage, Progressive pays up to 25% above the value of your car if it\u2019s totaled to cover a loan or lease balance. You must purchase comprehensive and collision coverage to buy gap insurance from Progressive.<\/p> Custom parts and equipment value<\/strong>. Pays to fix or replace custom accessories you add to your car if they\u2019re destroyed in a covered claim, up to $5,000.<\/p> Coverage for pet injuries<\/strong>. Included if you buy collision coverage, this pays veterinarian bills up to a certain amount if your pet is injured in a car accident.<\/p> Deductible savings bank<\/strong>. If you have comprehensive and collision coverage, you can pay to opt in to this program that reduces your deductibles by $50 every six months you\u2019re claim-free, down to $0.<\/p> Progressive offers three types of accident forgiveness. Two types of accident forgiveness are available without charge:<\/p> Small accident forgiveness<\/strong>. The company won\u2019t raise your premium for claims up to $500. This perk is automatically added for customers in most states.<\/p> Large accident forgiveness<\/strong>. If you\u2019ve been insured with Progressive for at least five years and accident-free for at least three, the company won\u2019t raise your rate even for a large accident claim.<\/p> Progressive accident forgiveness<\/strong>. Also available for those who want to pay for an additional layer of coverage. You can purchase this benefit any time you buy or renew your policy, which forgives one accident per policy period. Any accident forgiveness benefits through the company\u2019s loyalty rewards program (listed above) would apply first, so you could have more than one accident forgiven per policy period.<\/p> Progressive offers 13 discounts to policyholders. Some of the more popular include multi-policy, multi-car, safe driver, and good student. However, residents of certain states, such as California, may not be eligible for certain discounts.<\/p> Progressive\u2019s Snapshot program, also known as usage-based insurance, allows the policyholder to pay based on how much they drive. The policyholder obtains a discount for participating and receives a personalized rate after the first year based on miles. Customers who use this feature save $146 a year on average.<\/p> When you file a claim with Progressive, it\u2019s good to have the following information on hand:<\/p> Toll-Free Number:<\/strong> 1-800-274-4499<\/a><\/p> Hours:<\/strong> Toll-free number operational 24 hours a day, 7 days a week<\/p> Website:<\/strong> https:\/\/www.progressive.com\/claims\/<\/a><\/p> Email:<\/strong> customerservice@progressive.com<\/a><\/p> Twitter:<\/strong> @ask_progressive<\/a><\/p> Corporate Headquarters:<\/strong> First, you need to realize that Progressive and other auto insurance companies are not on your side. This means you need to be smart and strategic with the steps you take after a car accident to protect yourself from common insurance company tactics to convince you to settle for less. <\/p> Do what you can to protect your rights from the start of your claim, while still at the scene of the accident. Do not admit fault to anyone and do not say you are uninjured until you have had the chance to see a doctor. Your injuries could have delayed symptoms. Obtain medical care immediately and document the full extent of your injuries. Call the police and write down the number of your police report.<\/p> Call your insurance company to report the car accident as soon as you can. The number to submit a Progressive Insurance claim is 1-800-776-4737. You can call from the scene of the accident and follow up later with more information if you wish. You can also wait until later that day or the next day to file. <\/p> Most insurance companies require immediate reporting \u2013 within 24 to 72 hours. Waiting too long could lead to the loss of the right to recover benefits. If you do not wish to call, you can also\u00a0file a claim with Progressive online\u00a0or through the company\u2019s mobile app.<\/p> The Progressive agent who receives your claim will need to know a few basic details about your car accident. This can include descriptions of the vehicles involved, license plate numbers, dates and locations. <\/p> Do not admit fault for the auto accident to your insurance company or the police. If you did not cause the accident, you may receive a phone call from the insurance company of the party who did. The person calling you will be Progressive\u2019s insurance claims adjuster if Progressive is the at-fault party\u2019s insurer. You might receive this call as soon as the day of the car crash.<\/p> Car insurance claims adjusters work hard to save insurance companies money. They do this by convincing claimants their injuries and damages are worth minimal compensation. Some insurance adjusters might even engage in bad faith tactics such as offering lowball settlements or denying valid injury claims. Protect any right you might have to financial compensation by being careful when talking to Progressive Insurance\u2019s claims adjusters.<\/p> One of the best things you can do for yourself and your car accident claim after an accident is to hire an attorney. While you concentrate on healing from your injuries, an attorney can take over correspondence with a Progressive Insurance agent and demand fair compensation for your wreck. <\/p> Your personal injury lawyer\u00a0can also walk you through other options for damage reimbursement, such as a lawsuit. A lawsuit against a defendant could force Progressive to pay a greater amount for your losses than it was offering during settlement negotiations. A car accident lawyer can also guide you through all the steps it takes to file a Progressive Insurance claim.<\/p>Discounts<\/strong><\/span><\/h2>
Loyalty-based auto discounts<\/strong><\/span><\/h3>
Driver-based auto discounts<\/strong><\/span><\/h3>
Quote and Buy discounts<\/strong><\/span><\/h3>
What do I need to file a claim with Progressive?<\/strong><\/span><\/h2>
How to contact Progressive<\/strong><\/span><\/h2>
Progressive Insurance
6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143<\/p>How to file insurance claims with Progressive <\/strong><\/span><\/h2>
Have a strategy for after your car accident<\/strong><\/h3>
File an insurance claim with Progressive right away<\/strong><\/h3>
Be careful talking to claims adjusters<\/strong><\/h3>
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References<\/strong><\/span><\/h2>