We offer optional coverage that can pay for some or all of your car rental charges. Simply check your policy or contact your claims representative to see how your coverages apply. Even if you're not covered for car rental charges, your claims representative can help you find a rental vehicle and offer you a discount. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault.
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. As a result, you should hire an experienced law firm to represent you from the beginning of your insurance claim with Progressive. You file a collision claim against your own insurance policy because you need a new car as soon as possible. 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.
Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate. 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. Your insurance company will stop charging you for the accident after a certain number of years (the duration varies by insurer and state).
The amount of time an accident stays on your driving record, which can be used to determine your auto insurance rate, can vary by state and insurer. Progressive and other insurance companies only want recorded statements from injured victims because this gives them an opportunity to ask important questions. If your car insurance deductible is greater than the cost of damage to your vehicle, you'll pay the full cost out of your pocket, since the insurer only covers damages that exceed the amount of the deductible. 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.