Progressive is one of the leading providers of car insurance policies in the U.S. While having car insurance is mandatory in the country, it is always nice to have peace of mind, knowing that in case of trouble, there is someone who can bail you out – in other words, a car insurance policy. Unfortunately, this is not always the case.
Insurance companies, Progressive included, have shareholders, bottom lines, and budgets to meet. This means that they will do anything to minimize settlement claims unjustly. In that case, having an insurance policy for your vehicle is not enough; you need to learn how to file a car accident with Progressive.
What Services does Progressive Offer?
Progressive is a nationwide insurance company with millions of policies for both individuals and companies under its belt. Apart from auto insurance, the company offers insurance coverage for boats, RVs, motorcycles, golf carts, ATVs, snowmobiles, personal insurance, and business insurance. The major types of Progressive auto insurance coverage include:
- Liability coverage
- Comprehensive and collision coverage
- Personal injury protection coverage
- Uninsured motorist coverage
For a free legal consultation, call (800) 537-8185
Steps for Filing a Car Accident Claim with Progressive
Always remember that Progressive and other auto companies are not on your side, so you must be wise in the steps you take after the preliminaries of your car accident. To file a car accident claim with Progressive, you can call them, use their mobile app, or make your submission online.
It is advisable to take as much time as you wish to gather critical information about your car accident claim before calling Progressive to make your submission. However, you only have less than 72 hours to file your claim, or you risk losing your rights to recover benefits.
When you contact Progressive, you can expect an agent who will be at your service to ask for basic information such as the details of the vehicles involved, license plate numbers, locations, and dates. Again, be careful not to admit fault while making your claim. If you did not cause the accident, you could expect a call from the other party’s insurance company, most likely an insurance adjuster.
What to Do When Progressive’s Insurance Adjusters Call
Simply put, the work of an insurance adjuster is to save the insurance company money. To achieve this, the adjuster will approach you with a minimal offer as part of compensation for the damages caused.
In worse cases, the adjuster can use underhand tactics to prevent injury claims. That said, you should always be vigilant and protect your rights to the end. You can achieve this by:
- Sticking to the facts of your case regardless of what the adjuster throws your way
- Avoiding fault speculation
- Not giving in to making a recorded statement
- Avoiding giving information that the adjuster did not ask for
- Remaining truthful
- Not admitting or speculating fault
- Not accepting the first settlement offer (it’s always very low)
How a Lawyer Can Help
Hiring a personal injury attorney can help you significantly in your car accident claim with Progressive. Here is how.
A Car Accident Lawyer Can Help You Record a Statement
It is recommended not to share the details of the accident or accept fault. However, as humans, you can forget and utter something that could be incriminating. If you have a lawyer, it will be easy to stay quiet and let your attorney do the talking.
The professional has handled plenty of such cases and knows how to avoid traps that may reduce your compensation. Additionally, the attorney can help you develop an error-free record that can be used during negotiations or trials if need be.
A Lawyer Can Help You Gather Evidence
The amount of compensation that you will receive depends on the damages caused. Damages require proof, and who better to help you on this front than a qualified and compassionate personal injury attorney?
Having an Attorney May Be Necessary for Establishing Liability
Whoever is liable is responsible for paying compensation, whether through their insurance company or from their pocket. If you are at fault, your lawyer can guide you on the best way of approaching the issue, especially before filing a car accident claim with Progressive.
An Attorney Can Represent You in Negotiations and at Trial
Some car accident claims can drag for months or years, an incredible amount of time that you may not have. In such cases, you can leave your lawyer to handle the negotiations or take the case to court if they disagree with your insurance company (Progressive).
Hire an Expert Car Accident Attorney at Morris Bart Today
Morris Bart is a law firm with dedicated lawyers who can get you out of any car accident claim. We specialize in car accidents, motorcycle accidents, offshore & Jones Act, truck accidents, slip & and fall premises liability, and class action & mass tort cases.
We take pride in being an institution through which our clients find high-quality legal services. Victims from Louisiana, Mississippi, Arkansas, and Alabama can benefit from our experience and expertise. Contact us today for a free case evaluation.
Questions?Call (800) 537-8185
to find a Morris Bart office near you.