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Progressive

Customer Service
Website:  Manage Your Policy
Service: 888-671-4405
Customers in California: (800) 300-3693
Roadside Assistance: 1-800-776-4737

Claims
Website: File a Claim Click Here
Claims: 1-800-776-4737

Billing
Website: Pay Your Bill Click here

Online Account Access
Website: Login to Your Account

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Steps for filing an auto insurance claim

If you need to report a claim, you can use your insurance carrier’s 24/7 Claim Support Service to submit it directly, or you may contact our office for assistance. Reporting your loss directly to the insurance company allows them to start processing your claim immediately, ensuring you receive the support you need as quickly as possible.

1. Contact your insurance company

Whether you file your car insurance claim over the phone, online, through a mobile app, or with an agent, your insurer will likely request the following details:

  1. Copies of the police and/or accident reports, if applicable
  2. . Location, date, and time of accident
  3. Name, address, phone number, and insurance policy number for all involved in the accident
  4. Weather conditions
  5. Photo(s) of the damaged vehicle(s)

2. Review your policy’s coverages and deductibles

Knowing how you’re covered is essential and can set proper expectations for your claim. For example, if you have rental car reimbursement coverage, you may be entitled to a rental vehicle while your car is being repaired. Your policy’s car insurance deductible amount indicates how much you pay out of pocket on a covered claim, while your coverage limits represent the maximum dollar limit your insurer could pay out in a certain category.

Additionally, gap insurance can cover the difference, up to your policy’s limits, if you owe more on the vehicle than it’s worth.

3. Work with your insurance adjuster

Your insurance company will appoint an insurance adjuster, or multiple adjusters, to investigate your claim. Typically, the adjuster contacts you within one to three days of the claim filing. Your adjuster arranges an inspection, assesses the damage to your car, and/or addresses any personal injury claims. Additionally, an adjuster could analyze police reports and interview witnesses to the accident.

Depending on your insurer, you could be required to get an estimate for the cost of your vehicle’s repairs, and the repair shop will share that figure with your insurance company. Your insurer then makes an evaluation based on information from your adjuster and the repair shop.

4. Repair or replace your car

You have the freedom to choose which shop handles your car’s repairs. Assuming your claim has been approved, your insurer issues a payment to you or the repair shop, minus your deductible. If your car is totaled, it’s considered to be damaged beyond repair. In this case, your insurer cuts you and/or your lender a check for the value of the vehicle, minus your deductible.