The insurance company generally has approximately 30 days to investigate your car insurance claim, although the number of days varies by state. Most state laws require that claims be processed promptly and without unnecessary delay, but processing and resolving them can take longer, especially if the accident was serious or if an investigation into coverage is necessary. Progressive charges a cancellation fee of 10% of the premium or a fixed rate in some states, although customers in other states don't have to pay a fee to cancel their auto insurance coverage midway through the policy. Keep in mind that car accident investigations can take months to complete if there are serious injuries, multiple drivers and cars involved, and if it is unknown who was at fault.
If the insurance company cancels your policy, you'll normally get a refund from car insurance, unless they cancel the policy for non-payment. The amount you have to pay to cancel Progressive insurance coverage depends on a few factors, such as the state laws where you live, the term of the policy, and how often you pay the premium. If you sell your car and no longer need coverage, your insurance company can send you a refund check if your policy is canceled before its term ends. 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.
To cancel a Progressive insurance policy, call (86) 416-2003 to speak with a customer service representative and make arrangements for the cancellation to take effect immediately or at a future date. If you decide to cancel your policy or your insurance company cancels it, you usually won't receive a refund from car insurance unless you've paid the premium in advance. If you change your car insurance company and find better rates with another insurance company, you may want to cancel your current policy before it expires. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work.
If you cancel your policy after just three months, your insurer will issue an insurance refund for the remaining nine months. Insurance refunds are usually issued through the same payment method that you use to pay for your insurance. 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. Because insurance premiums are determined in part by where you live, you can get a lower rate on your new policy if you move to an area where rates are cheaper, and your insurer can reimburse part of your insurance premium.
If you sell your car and buy a new one, you'll still need coverage because most states require drivers to have car insurance.