Progressive is a nationwide insurance company that currently has 20.4 million policies in place for individuals and companies throughout the country. It is the third-largest auto insurer in the nation and is well-known for its variety of insurance options. In addition to auto insurance, Progressive also offers insurance coverage for the following:
- Boats
- ATVs
- Golf carts
- Motorcycles
- RVs
- Snowmobiles
- Property, including condos, mobile homes, and homeowner insurance
- Personal insurance, including dental, health, and life
- Business insurance, including commercial auto, professional liability, and general liability
- Financial services, including personal loans and a car shopping service
As with other insurance companies, the goal of Progressive is to make money by collecting monthly premiums from customers. These premiums must exceed how much they payout in order for the insurance company to be financially successful. For this reason, many insurance companies, including Progressive, are not eager to fairly compensate those injured in auto accidents. Progressive claims adjusters are trained to use certain methods to minimize case values and reduce the amount of money the company is required to payout for injuries related to auto accidents.
Types Of Progressive Auto Insurance Coverage
How much money you’ll receive as compensation after being injured in a car accident by a person who has Progressive insurance will largely depend on the insured person’s coverage and policy limits. The following are the most frequently seen car insurance coverage options that an insured person may have:
Liability Coverage
Liability coverage is a type of auto insurance that pays for injuries and property damage the insured causes to others while driving. It offers protection if you are legally responsible in an auto accident and will cover some or all of the injured party’s medical bills and other expenses incurred due to the accident. This type of coverage is included with all car insurance policies offered by Progressive.
Comprehensive And Collision Coverage
Comprehensive coverage is insurance coverage that will pay for the replacement or repair of your vehicle if it’s damaged by vandalism, fire, theft or incidents caused by nature. This type of coverage also covers glass damage. Collision coverage provides coverage for damaged vehicles that need repair or replacement due to an auto accident with another car or a stationary object like a fence. Collision insurance covers a number of different situations, including overturning your car, any accident with another vehicle, and hit-and-run accidents. It also provides coverage if you are the person at fault for an auto accident.
Uninsured Motorist Coverage
This type of auto insurance coverage provides protection if you’re hit by a person who does not have auto insurance or does not have sufficient coverage to pay for the damages and injuries they caused. Most states require that all insured drivers have this coverage.
Personal Injury Protection Coverage
Personal injury protection coverage is a type of auto coverage that will cover the costs of medical expenses and lost income as a result of an auto accident. Many states require drivers to have this coverage, while others make this type of coverage optional.
As you can see, there are several different types of auto insurance coverage, and understanding them can be challenging, especially if you’ve recently been in an auto accident and are working to regain your health and wellbeing. Partnering with a highly skilled attorney, such as those at Florin|Roebig, can make your life easier by offering guidance throughout the claims process and answering any questions you may have about insurance coverage.
Filing A Claim With Progressive Insurance
Before you file an auto insurance claim with Progressive or any other car insurance company, it’s recommended to first speak with a reputable personal injury attorney first. Your attorney can help you determine whether reporting a claim directly to Progressive is your best option, or if reporting it online or in another way would be more beneficial for your specific case. To report a claim directly to Progressive, call 1-800-776-4737.
After your claim has been reported, it will be sent to a local claims adjuster who will contact you within 72 hours to take your statement. Once the claims adjuster receives your statement, Progressive will begin an investigation into your insurance claim and determine its liability in your case. You’ll likely be asked to provide information related to who was at fault for the accident, your injuries, and other relevant information needed by Progressive to determine liability. This is often when claims adjusters try to reduce the liability for the insurance company, and many people find their words being used against them to lower the amount of coverage provided by Progressive.
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Tips For Maximizing Compensation In Your Auto Accident Case
There are several things you can do following a motor vehicle accident that can help support your ability to get the compensation you need and deserve from the at-fault party. It’s important to be cautious about what you do and say after a car accident, as these things can be used against you in a personal injury case. The following are tips to increase the likelihood of successfully receiving compensation following an auto accident in which the other driver was responsible:
Take Photos Of The Accident And Scene
If you are able, take photos using your mobile device of the damage caused to each car, the scene of the accident and the injuries you and/or others in your car sustained during the accident. These photos can be extremely helpful when arguing for compensation in a personal injury case.
Report The Car Accident
Most states require that you report the auto accident to the police immediately after the accident has occurred. The police will perform an investigation and provide you with a police report. This report is valuable documentation that can support your attorney’s ability to prove that the other driver was at fault.
Get Information From Any Witnesses
If there were any witnesses who were present and saw the accident happen, be sure to speak with them and obtain their contact information immediately following the accident. Witnesses can help corroborate the fact that the other driver was at fault in a personal injury case. It can be difficult to track down witnesses once they’ve left the scene of the accident, so getting their information as soon as possible is imperative.
Get Medical Help
Even if you don’t believe you’ve been injured or your pain or injuries seem minor, it’s important to get medical attention as soon as possible following an auto accident. If you don’t get medical treatment immediately, it can be more difficult for your lawyer to prove that your injuries were a direct result of the car accident.
Attend All Follow-Up Medical Visits
It’s important to attend all of your follow-up medical visits as recommended by your doctor. This will prove that you have been compliant with medical treatment and will allow your attorney to build a stronger personal injury case on your behalf.
Keep Track Of Your Medical Expenses
It’s also important that you keep track of all of your medical expenses, including out-of-pocket expenses and medical bills. This documentation will be used to support your request for compensation following the auto accident.
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Get Help Filing An Auto Accident Claim With Progressive Insurance
Trying to obtain fair compensation from Progressive on your own following an auto accident can be difficult if not impossible. Accident victims may be susceptible to unfair insurance methods that pressure you into accepting less compensation than what you deserve. Working with a qualified personal injury lawyer can significantly increase the likelihood you get the compensation you need and that you are not taken advantage of throughout the claims and settlement process. Call Florin|Roebig today for a free consultation and legal advice on your personal injury claim.
