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What occurs if I disagree with Progressive’s determination on my auto insurance coverage declare?

What You Ought to Know

  • When you don’t agree with Progressive’s conclusions about your auto insurance coverage declare, you’ll be able to enchantment it and ask for added investigation
  • Throughout your enchantment, present detailed paperwork about your accident and talk with Progressive usually
  • Think about hiring a lawyer if the declare you need to enchantment includes helpful automobiles or pricey accidents

After an auto accident, submitting an auto insurance coverage declare could be nerve-racking. Like every insurance coverage firm, Progressive could resolve to not pay for your entire bills or deny your declare. Interesting offers you a chance to barter with Progressive till you’re happy with the corporate’s determination.

Studying the way to evaluate auto insurance coverage quotes and telling Progressive you’re contemplating one other auto insurance coverage firm might improve your argument.

On this article, we’ll enable you to be taught extra about what occurs for those who disagree with Progressive’s determination about your auto insurance coverage declare and the proof you might want on your enchantment.

Steps When You Disagree With Progressive’s Determination on Your Declare

After Progressive decides in your declare, you’ll obtain a declare denial or a settlement provide describing how Progressive reached its conclusion and the proof the corporate thought of.

Learn this letter or e-mail rigorously, and search for any lacking or inaccurate info that may have contributed to the choice. Then, compose an enchantment letter, additionally referred to as a requirement letter, that lets Progressive know why it’s best to get extra compensation.

An insurance coverage adjuster will learn your letter, assessment your proof and paperwork, and allow you to know in regards to the outcomes of your enchantment. After writing a requirement letter, most individuals wait just a few weeks for a solution.

When you’re not happy with Progressive’s response, you’ll be able to converse to a supervisor. Nonetheless, the conclusion about your declare could not change. You’ll be able to discuss to a lawyer about your choices for growing your compensation.

If crucial, you’ll be able to file a lawsuit or mediate with Progressive. Bear in mind that the statute of limitations is 2 or three years in most states. When you don’t begin a lawsuit earlier than that interval ends, Progressive’s conclusion might be ultimate.

To be taught extra about Progressive and the way the corporate handles claims, take a look at our Progressive auto insurance coverage assessment.

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What You Could Want for a Profitable Attraction with Progressive

For a profitable enchantment, collect as many paperwork about your declare as you’ll be able to. These can embrace:

  • Images of the situation of the accident and any harm that occurred
  • Restore payments
  • Statements from any witnesses in regards to the accident
  • Their names and get in touch with info
  • The police report
  • The insurance coverage and get in touch with info for another drivers that had been concerned

When you had an damage in the course of the accident, you must also hold observe of statements and medical payments from hospitals or medical doctors. They will help you describe your remedy to date and any associated care you might want sooner or later.

What to Do if You Disagree With Progressive’s Determination

Understanding what occurs for those who disagree with Progressive’s determination in your auto insurance coverage declare can provide you an opportunity to vary the corporate’s conclusion and improve your compensation.

When you can’t agree with Progressive about what it’s best to get on your declare, think about evaluating quotes and on the lookout for inexpensive full protection auto insurance coverage from one other auto insurance coverage supplier.

Incessantly Requested Questions

Why are claims denied?

Progressive might deny protection for  a wide range of causes, together with:

  • The declare is over your coverage’s restrict.
  • You missed a cost deadline.
  • The accident occurred in another person’s automotive and also you weren’t on the coverage.
  • You waited too lengthy to file a declare after the accident.
  • Progressive determined that the accident was partially or fully your fault.

When you don’t need to make repairs on a car that’s not totaled, Progressive ought to ship your cost on to you rather than paying a mechanic for repairs.


Progressive often pays the money worth of a car inside one or two weeks if it’s a complete loss. When you don’t agree with the quantity the corporate presents, you’ll be able to enchantment. Realizing the way to negotiate a complete loss auto insurance coverage settlement could also be useful.

What are some methods to forestall a declare denial or a low cost?

Shopping for some further protection can hold future claims from being denied. Uninsured/underinsured motorist protection helps if an accident is the opposite driver’s fault and so they don’t have insurance coverage.


Studying the way to insure aftermarket components in your car will help you get extra money on your car when you have costly modifications like premium audio system or a customized paint job. If different folks borrow your automotive usually, add them to the coverage. Take loads of photographs to strengthen your declare after an accident.

May my charge improve after a declare denial?

Your auto insurance coverage charge might improve once you renew your coverage, however Progressive will ship you the brand new charge at the least 30 days upfront. This offers you loads of time to match costs with different insurers.

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Rachel Bodine

Insurance coverage Function Author

Rachel Bodine graduated from school with a BA in English. She has since labored as a Function Author within the insurance coverage business and gained a deep information of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing deal with serving to readers perceive their insurance coverage protection and the way to discover financial savings. Her skilled recommendation on insurance coverage has been featured on websites like PhotoEnforced, All…

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a strong understanding of insurance coverage merchandise together with dwelling, life, auto, and business and dealing straight with insurance coverage prospects to grasp their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

Editorial Pointers: We’re a free on-line useful resource for anybody considering studying extra about auto insurance coverage. Our purpose is to be an goal, third-party useful resource for every little thing auto insurance coverage associated. We replace our web site recurrently, and all content material is reviewed by auto insurance coverage specialists.



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