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

What You Ought to Know

  • In the event 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 need to enchantment entails beneficial automobiles or expensive accidents

After an auto accident, submitting an auto insurance coverage declare will be worrying. Like all insurance coverage firm, Progressive could determine to not pay for all your bills or deny your declare. Interesting provides you a chance to barter with Progressive till you’re glad with the corporate’s determination.

Studying learn how 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 study extra about what occurs in the event you disagree with Progressive’s determination about your auto insurance coverage declare and the proof chances are you’ll want to your enchantment.

Steps When You Disagree With Progressive’s Resolution 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-about.

Learn this letter or e mail rigorously, and search for any lacking or inaccurate data which may have contributed to the choice. Then, compose an enchantment letter, additionally known as a requirement letter, that lets Progressive know why you need to get extra compensation.

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

In the event you’re not glad with Progressive’s response, you possibly can communicate to a supervisor. Nevertheless, the conclusion about your declare could not change. You possibly can discuss to a lawyer about your choices for rising your compensation.

If essential, you possibly can file a lawsuit or mediate with Progressive. Remember that the statute of limitations is 2 or three years in most states. In the event you don’t begin a lawsuit earlier than that interval ends, Progressive’s conclusion will probably be ultimate.

To study 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 Might Want for a Profitable Attraction with Progressive

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

  • Pictures of the placement of the accident and any harm that occurred
  • Restore payments
  • Statements from any witnesses concerning the accident
  • Their names and speak to data
  • The police report
  • The insurance coverage and speak to data for every other drivers that had been concerned

In the event you had an damage throughout the accident, you must also 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 Resolution

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

In the event you can’t agree with Progressive about what you need to get to your declare, contemplate evaluating quotes and searching for inexpensive full protection auto insurance coverage from one other auto insurance coverage supplier.

Continuously Requested Questions

Why are claims denied?

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

  • The declare is over your coverage’s restrict.
  • You missed a fee 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.

In the event you don’t need to make repairs on a automobile that’s not totaled, Progressive ought to ship your fee on to you rather than paying a mechanic for repairs.


Progressive often pays the money worth of a automobile inside one or two weeks if it’s a complete loss. In the event you don’t agree with the quantity the corporate presents, you possibly can enchantment. Understanding learn how 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 fee?

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

May my charge enhance after a declare denial?

Your auto insurance coverage charge may enhance if you renew your coverage, however Progressive will ship you the brand new charge a minimum of 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 trade and gained a deep information of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing concentrate on serving to readers perceive their insurance coverage protection and learn how to discover financial savings. Her knowledgeable 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 house, life, auto, and business and dealing straight with insurance coverage clients to know their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

Editorial Tips: We’re a free on-line useful resource for anybody concerned about studying extra about auto insurance coverage. Our purpose is to be an goal, third-party useful resource for every part auto insurance coverage associated. We replace our website repeatedly, and all content material is reviewed by auto insurance coverage consultants.



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