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. We make it easy to file your car insurance claim in a short time. In addition, you can track your claims process online or through our mobile application.
Once you submit the request, a claims representative begins the process as soon as possible. Whether you report your claim over the phone or online, you can follow the progress of your claim in real time online or through our mobile app. 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. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to an insurance company that the insured driver caused the accident.
Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. Insurance Request Form: Section 324.242 of the Florida Statutes specifies who can receive insurance information for a vehicle involved in an accident (HSMV 8339). Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. 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.
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. 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. 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. 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.
You file a collision claim against your own insurance policy because you need a new car 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. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. 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.
An insurance company's response time to the process begins when the insurer receives the process from the chief financial officer, not when the process is originally notified to the chief financial officer. For example, if you have reimbursement coverage for a rental car, you may be entitled to a rental vehicle while your car is being repaired.