How does Progressive investigate claims?

Asked by: Mr. Wellington Kunze  |  Last update: June 27, 2023
Score: 4.9/5 (19 votes)

If you're at fault, an insurance adjuster will investigate the claim to determine the amount to be paid for injuries and property damage to the other driver, as well as any injuries or vehicle damage you suffered (if you file a medical payments / personal injury protection or collision insurance claim).

How long does Progressive take to investigate a claim?

We resolve many property damage claims within 7 to 14 days, but repair times can vary greatly based on your vehicle, the damage, etc. No matter what, we'll work quickly and efficiently so you can get back to your normal routine.

How does Progressive handle claims?

Auto insurance claims are easy to file. Our Progressive representatives help you through the process and make sure your repairs are handled quickly and efficiently. We strive to get you back on the road as soon as possible. You can file a claim through our mobile app, online, or by calling 1-800-776-4737.

Is Progressive good at paying claims?

Based on our survey data, Progressive does not compare well to other insurance companies. It scored poorly for customer service, claims handling, and customer loyalty. Premiums are marginally less than the national average.

What does it mean when your insurance claim is under investigation?

When an insurance company says “investigation” and you may be thinking it's an investigation to process the claim, it's really a tactic by insurance companies to evaluate you and decide how they are going to handle the claim, and how much they feel they can get away with not paying on the claim.

How Insurance Claims Work and How to Deal with Insurance Claim Adjusters

17 related questions found

Why is progressive investigating my claim?

If you're at fault, an insurance adjuster will investigate the claim to determine the amount to be paid for injuries and property damage to the other driver, as well as any injuries or vehicle damage you suffered (if you file a medical payments / personal injury protection or collision insurance claim).

Do car insurance companies investigate every claim?

Insurance scams increase the cost of insurance for insurers, claimants, and everyone else. To preserve their bottom line, insurers have to make sure that a claim is legitimate before offering compensation. Property damage, car accident, and personal injury all require claims investigation services.

Can I cancel a car insurance claim under investigation?

Yes, car insurance companies typically allow one to cancel a claim after it has been submitted. There is, however, no way to erase a car insurance claim from your driving record once the claims process has begun. Even if you cancel your car insurance claim, it will remain on your driving record.

Will Progressive drop me after an accident?

If you qualify, we won't increase your rate because you had an accident—even if it's your fault. The longer you're with Progressive, the better the Accident Forgiveness benefit. Small accident forgiveness: Your rate won't go up if you have a small claim of $500 or less.

Do insurance companies record every call?

Many insurance companies record customer calls for a number of reasons – regulatory, legal, training or quality control. So, when customers share their personal information over the phone when making a payment, checking on a claim or enrolling in a new plan, that sensitive information is often recorded as well.

How do you scare insurance adjusters?

The single most effective way to scare an insurance adjuster is to hire an experienced personal injury lawyer. With an accomplished lawyer fighting for your rights, you can focus on returning to your routine while a skilled legal professional handles all communications with the insurance adjuster.

How long does a car insurance claim take to settle?

How long does it take for a car insurance company to pay out a claim? There is no specific answer to this question. Ideally the money will be paid within 14-28 days of settlement. - Some insurance companies are faster at settling claims than others.

How does Progressive handle hit and runs?

If your vehicle is damaged in a hit-and-run, collision will help cover the cost to repair or replace it after paying your deductible. Collision coverage is optional, but if you have a car loan or lease, it's probably required by your lender. Learn more about collision coverage and car insurance deductibles.

Is Progressive Insurance hard to settle a claim?

Initial settlement offers from Progressive insurance adjusters are often lower than you would expect from the average car insurance company. Progressive's adjusters are more unreasonable than most in Maryland. This is especially true if they see that you do not have a lawyer.

How long does Progressive take to pay out?

In general, Progressive responds to demand packages in an average of thirty days. Considering this, it can take a few months to begin the negotiation process after initially filing your claim with an experienced attorney.

How does Progressive determine if a car is totaled?

Generally, a vehicle is a total loss when the cost to return it to its pre-loss condition is greater than the value of the vehicle. And, in some states, a vehicle may be a total loss if the repair costs would exceed a percentage (e.g., 80%) of the vehicle's value.

What is considered a large accident with Progressive?

With Large Accident Forgiveness, your rates won't increase if you're at fault in an accident, even if the total claim exceeds $500.

How long does at fault accident affect insurance Progressive?

An accident stays on your Progressive insurance record for 3 to 5 years. Progressive factors the accident into your insurance premium for the first 3 years. At that point, the accident no longer affects your premium, but it will still show up on your record and may affect your eligibility for certain discounts.

Do I have to pay deductible if I was not at fault Progressive?

Do I pay a car insurance deductible if I'm not at fault? If the other driver is officially deemed at fault, their insurance company can pay for your repairs if you file them, and you won't have to pay your deductible.

What happens if you lie on an insurance claim?

At best, you will have to remember your lie the entire time you are dealing with your insurer. They will most likely record calls and other interactions with you to uncover any discrepancies in your claim. At worst, you could face criminal penalties leading to fines and even jail time.

What do insurance investigators do?

Insurance investigators handle claims in which the company suspects fraudulent or criminal activity such as arson, staged accidents, or unnecessary medical treatments. The severity of insurance fraud cases varies, from overstated claims of damage to vehicles to complicated fraud rings.

What questions do insurance investigators ask?

Questions Insurance Adjusters Commonly Ask in Recorded Statements
  • What is your full name?
  • Are you aware that this interview is being recorded?
  • Do I have your permission to record your statement?
  • Can I share the information we discuss with another adjuster?
  • What is your address, telephone number, and date of birth?

Can insurance companies tap your phone?

No, an insurance investigator cannot tap your phone – ever.

Tapping a phone involves using electronic equipment to secretly listen to someone's phone conversations, and it is illegal. However, tapping a phone should not be confused with taking a recorded statement, which many insurance companies do on a routine basis.

What does an insurance assessor look for?

Insurance assessor starts with evaluating the property and checks it for the damage done to it. For example, if a house caught fire and had been damaged, the insurance assessor would go and evaluate the house, check its monetary value, evaluate the damages done, and decide if they are claimable.

Why is an insurance investigator calling me?

Even if you tell them you need to talk to a lawyer or are still in treatment, they may continue to call you. In most cases, they will want you to make a recorded statement. They may claim they need to confirm the details of your accident, but their actual goal is to get you on tape making a conflicting statement.