What occurs if I disagree with Progressive’s choice 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 possibly can enchantment it and ask for extra investigation
  • Throughout your enchantment, present detailed paperwork about your accident and talk with Progressive typically
  • Take into account hiring a lawyer if the declare you wish to enchantment entails helpful autos or expensive accidents

After an auto accident, submitting an auto insurance coverage declare might be hectic. Like several insurance coverage firm, Progressive could resolve to not pay for your entire bills or deny your declare. Interesting provides you a chance to barter with Progressive till you’re happy with the corporate’s choice.

Studying easy methods to evaluate auto insurance coverage quotes and telling Progressive you’re contemplating one other auto insurance coverage firm may improve your argument.

On this article, we’ll enable you to study extra about what occurs when you disagree with Progressive’s choice about your auto insurance coverage declare and the proof chances are you’ll want in 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 fastidiously, and search for any lacking or inaccurate data 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 is best to get extra compensation.

An insurance coverage adjuster will learn your letter, evaluate your proof and paperwork, and allow you to know concerning the outcomes of your enchantment. After writing a requirement letter, most individuals wait a number of weeks for a solution.

When you’re not happy with Progressive’s response, you possibly can communicate 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 rising your compensation.

If vital, you possibly can 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 will likely be remaining.

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

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What You Might Want for a Profitable Enchantment with Progressive

For a profitable enchantment, collect as many paperwork about your declare as you possibly can. These can embrace:

  • Pictures of the situation of the accident and any harm that occurred
  • Restore payments
  • Statements from any witnesses concerning the accident
  • Their names and make contact with data
  • The police report
  • The insurance coverage and make contact with data for another drivers that had been concerned

When you had an damage through the accident, you also needs to hold monitor of statements and medical payments from hospitals or docs. They may help you describe your remedy thus far and any associated care chances are you’ll want sooner or later.

What to Do if You Disagree With Progressive’s Determination

Understanding what occurs when you disagree with Progressive’s choice in your auto insurance coverage declare may give you an opportunity to vary the corporate’s conclusion and enhance your compensation.

When you can’t agree with Progressive about what it is best to get in your declare, take into account evaluating quotes and in search of inexpensive full protection auto insurance coverage from one other auto insurance coverage supplier.

Ceaselessly Requested Questions

Why are claims denied?

Progressive may deny protection for  quite a lot of causes, together with:

  • The declare is over your coverage’s restrict.
  • You missed a cost deadline.
  • The accident occurred in another person’s automobile 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 utterly your fault.

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


Progressive normally pays the money worth of a automobile inside one or two weeks if it’s a complete loss. When you don’t agree with the quantity the corporate provides, you possibly can enchantment. Figuring out easy methods to negotiate a complete loss auto insurance coverage settlement could also be useful.

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

Shopping for some extra 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 easy methods to insure aftermarket elements in your automobile may help you get more cash in your automobile if in case you have costly modifications like premium audio system or a customized paint job. If different individuals borrow your automobile typically, add them to the coverage. Take loads of images to strengthen your declare after an accident.

May my price enhance after a declare denial?

Your auto insurance coverage price may enhance while you renew your coverage, however Progressive will ship you the brand new price not less than 30 days upfront. This provides you loads of time to check costs with different insurers.

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Rachel Bodine

Insurance coverage Characteristic Author

Rachel Bodine graduated from faculty with a BA in English. She has since labored as a Characteristic Author within the insurance coverage business and gained a deep data 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 easy methods to discover financial savings. Her professional 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 industrial and dealing straight with insurance coverage clients to grasp their wants. She has since used that data in her greater than ten years as a author, largely within the insurance coverage…

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