Filing the initial claim
Begin by reporting the incident to Progressive through the mobile app, website, or a 24‑hour claims line. Provide the policy number, date and location of the accident, a brief description of what happened, and any police report number if available. An adjuster will be assigned and you'll receive a claim reference to track progress.
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Documenting damage and loss
Collect photos of vehicle damage, surrounding scene, and any visible injuries. Upload these files directly to the claim portal; clear, well‑lit images reduce back‑and‑forth requests. If a rental is needed, request a rental‑car allowance through the same portal, and keep receipts for any out‑of‑pocket expenses.
Adjuster assessment
Progressive may schedule an in‑person inspection or request a virtual appraisal using the app's video feature. The adjuster reviews the photos, police report, and any medical documentation, then estimates repair costs based on labor rates and parts pricing in your region. You'll receive an estimate summary for review.
Repair and settlement options
Choose a preferred body shop from Progressive's network or use an independent shop; the estimate will be adjusted to reflect actual labor rates. Once repairs are complete, the shop submits the final invoice. Progressive then issues payment either directly to the shop or as a reimbursement to you, depending on the chosen arrangement.
Closing the claim
After payment, confirm that all repairs meet your satisfaction and that any medical claims are resolved. The claim is closed in the system, and you'll receive a final statement outlining total costs, deductible applied, and any remaining balance.
Key tips for a smooth process
- Report the claim promptly to avoid delays.
- Use Progressive's digital tools for instant photo uploads.
- Keep a detailed log of communications, dates, and reference numbers.
- Review the estimate before authorizing repairs.
- Ask the adjuster to explain any unclear charges.