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. Filing a claim can increase the price you pay for car insurance.
When you file a claim, your insurance company will analyze the circumstances and assess whether the damage caused to your vehicle was your fault. If it were, the insurance company could increase your premiums. This higher price can last for about three years. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful.
If you live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield. 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 state has an Insurance Department responsible for licensing and supervising insurance companies that do business in their state. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate.
This means that people who drive relatively little will pay a much lower rate, cheaper than most traditional car insurance policies. 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. Collision protection, all-risk, coverage for uninsured and personal injury drivers typically have an auto insurance deductible.
You can opt for a higher car insurance deductible because you're betting against having an accident, but if you've had accidents in the past and drive often on higher-traffic roads, you're more likely to file a claim and pay a deductible. 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. 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. 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.
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. Car insurance is a rare product that you buy in the hope of never using it, but if you're involved in an accident or your vehicle is damaged, you may need to file a claim. 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.
