Get the answers you need when filing a claim. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and cannot be driven. Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for.
This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. Without the reimbursement coverage of a rental car, you may be responsible for the cost of a rental car if your car cannot be driven after an accident. With authorization, other insurers may allow you to bill the rental car directly to them, but it's less common. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident.
Once fault has been determined, the at-fault driver's insurance company must reimburse you or your insurance company. 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. If the damages are severe enough to justify the need to rent a car, you're likely to file a car insurance claim under your car collision insurance coverage or also under comprehensive car insurance coverage, which includes a deductible. Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage.
Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway. This coverage generally excludes fuel costs, security deposits, and any additional rental car insurance that you may purchase from the rental company.
Some insurers have relationships with car rental companies that facilitate the reimbursement process, while others may require you to submit receipts separately for reimbursement.