The Claims Process

Progressive works with you throughout the entire claims process — from initial response through final resolution — to provide caring service and to settle your insurance claim as quickly as possible.

How do I report an insurance claim and how will you service my claim?

• To report your insurance claim, simply login on this page. You’ll be asked some initial questions, and we’ll begin resolving your claim immediately.
  
  
• A Progressive claims representative will contact you (usually within two hours of reporting your claim) to answer your questions and schedule an inspection of your vehicle. Be sure to ask the claims representative any questions you have about deductibles, service, coverage or repairs.
  
  
• After you submit your claim, we’ll inspect your vehicle’s damage and provide an estimate for your repairs.
  
  
• If you need help, we’ll even arrange vehicle repair service and towing, too. You can choose a repair facility within Progressive’s network or use our concierge level of claims service (depending on availability) and we’ll schedule the appointment for you when you report the claim. If you prefer, you can also choose your own repair facility.
  
  
• Your claims representative can make arrangements if you need a rental car. (Keep in mind that rental reimbursement varies based on policy coverage and accident circumstances.)
  
  
• While your vehicle is being fixed, you can stay informed about the repair progress by periodically checking with us. If you need to address any further issues while your vehicle is in the shop, such as additional damage, supplemental payments, or changes to the expected completion date, we’ll give you a call.
  
  
• When you choose a repair shop in Progressive’s network or use our concierge claims service for vehicle repairs, you’ll receive a copy of our Limited Lifetime Guarantee, which is valid for as long as you own or lease your car.
  
  
• If you file a commercial auto claim, rest assured that you’ll still receive the same superior claims service. Progressive’s commercial auto claims approach is to match your specific needs with the appropriate experts.
  
  

When you choose Progressive, your claim will be settled — quickly, fairly and accurately — so you can get back on the road as soon as possible.

Who’s in the driver’s seat? You are!

At Progressive, you decide what repair process to use — and we’ll assist you along the way — even if you choose to use your own repair facility. To make your claims experience as easy and satisfying as possible, you can choose from a network of pre-approved repair facilities or Progressive’s Concierge Service which offer these benefits:

• Convenience — Repair shops in Progressive’s network give your vehicle priority status. And if our concierge level of service is available in your area, we’ll even handle the repairs for you, from start to finish. In addition, when you choose a repair shop in our network, you can electronically monitor your vehicle’s status and progress (in real-time) using Progressive’s online system – so you can spend time doing more important things.


• Speed — You’ll enjoy a quicker reunion with your car because we work to minimize repair time.


• Quality — If you choose a repair shop in the Progressive network, or use our concierge service, you'll receive a guarantee on the repairs for as long as you own or lease the vehicle.

When can I check on my claim? Anytime, 24/7

If you have a question about your insurance claim, simply log in any time of the day or night. You can check the status of your claim, view your claim payment history and repair information, or communicate directly with your claims representative.

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Please Note: Some services described above are only available to customers who purchased coverages such as Comprehensive, Collision, Rental Reimbursement, Medical Payments, etc., before their loss. Coverage is subject to the terms of your policy. Please refer to your policy to verify which coverages you have.