Car accident or vehicle damage claims process File your claim. You can file a claim through our mobile app, online, or by calling 1-800-776-4737. A representative will ask if you want to complete the repairs or get paid. This coverage is another advantage and is designed to reimburse you for the cost of the rental car you need if your insured vehicle is ever in the workshop or is not available due to an accident. 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.
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. To help you feel safe with your car insurance, we've tried to explain it here by explaining sophisticated insurance jargon that doesn't make sense to anyone who doesn't live in the insurance business every day. 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. We'll help you discuss state requirements, coverage options, and discounts available for Wisconsin car insurance.
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. You file a collision claim against your own insurance policy because you need a new car as soon as possible. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. This coverage reimburses you for the cost of your rental car if your insured vehicle is in the garage or is not available due to an 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. 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. 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. 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.