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.
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. 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 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.
If you have a report, simply give your car insurance provider the name of the police department and the report number. 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. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. 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.
Progressive still has its own agents to sell insurance, but it often uses agencies like LA Insurance to sell auto insurance. Under Michigan law, insurance companies like Progressive are not required to investigate and verify if the information they receive from a customer is correct. LA Insurance sells an auto policy to just about anyone, and its agents are known for circumventing the rules and offering substandard insurance at exorbitant prices. 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.
Progressive also writes commercial auto policies and auto insurance policies for “transportation network companies,” such as Uber or Lyft drivers. 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. Progressive is perhaps the most aggressive insurance company in Michigan in asserting fraud and trying to void the insurance policy to stop paying benefits.