Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. 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. Progressive has a legal obligation to process its own and third-party insurance claims through good-faith resolution procedures.
They are not allowed to deny clearly legitimate claims, nor can they use the possibility of unfairly denying a claim as a negotiating strategy. There are many specific requirements that the insurance company must meet. If your car accident was unfairly resolved, then you may be a progressive victim of bad faith. If you were involved in an accident with a driver insured by Progressive, you may not know what to do if your claim for compensation is denied.
Rejecting your initial application is not the end of the road. An attorney in your area will explain how you can file an appeal. Your lawyer will also explain the evidence you need to prove negligence and will ensure that your application is filed before time runs out. An example of a self-claim would be if you are a Progressive customer and are trying to file a claim against your own auto insurance policy with Progressive.
Conversely, an example of a third-party claim would be if you try to file a claim against the other driver's car insurance policy that is insured by Progressive. You might decide to use your own insurance for car damage, instead of dealing with the other person's insurance company. Liability insurance also covers your legal defense if you are being sued for something covered by your policy, such as a car accident. A car accident lawyer can help you describe and understand what to do if Progressive denies your car accident claim.
The deductible amount may be returned to you later if your insurance company requests reimbursement from the other person's insurer. Review your denial letter You probably received an official denial letter from Progressive Insurance explaining why they denied your claim. If your vehicle was destroyed in the accident, insurance must compensate you for the value of the car at the time of the accident, whether you file a liability claim against another person or use your own collision insurance. This insurance covers damage to your car if it hits an object, such as a pole or other car.
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. File a demand letter Your lawyer can prepare your demand letter in response to Progressive denying your car accident claim. Some states' no-fault auto insurance laws mean that there is no need to determine who is at fault to receive insurance payment for minor injury claims.