What is Progressive accident response?

Asked by: Bernice Batz  |  Last update: August 5, 2025
Score: 4.8/5 (45 votes)

With driver safety and innovation at the heart of Progressive's offerings, Accident Response provides personal auto customers using the Progressive app with an added layer of protection. The optional feature within the app uses phone sensors to detect when a customer may have been in a major accident.

Does Progressive accident response cost more?

Accident Response is an optional feature within the Progressive app. There is no charge for downloading the app or using the Accident Response feature. The cost for provided services such as ambulance or tow are subject to the coverage purchased under a customer's personal auto policy.

What is progressive insurance accident response?

Progressive Insurance has launched Accident Response, a new safety feature available nationwide through its mobile app. The feature uses phone sensors to detect major accidents and automatically contacts the driver to offer assistance.

Is Progressive accident Response legit?

The Accident Response feature is free to use within the Progressive app, but costs for services like towing or ambulances depend on the customer's personal auto policy coverage. While available across much of the country, the feature is excluded in California and is not applicable in all situations.

Does Progressive accident Response track speed?

The app collects information such as your speed, location, and phone usage while you're driving. We're committed to keeping your driving information secure. The data associated with the detection may be useful in determining the cause of an accident.

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Does Progressive raise your rates after an accident?

Each insurer handles accident forgiveness differently: With Progressive, a small claim (under $500) won't raise your rates in most states. If you remain accident-free for five years, even a larger accident can be forgiven.

How to trick the Progressive snapshot and get the maximum discount?

Tips to maximize your Snapshot discount
  1. Limit hard brakes and accelerations. Go easy on the gas and avoid slamming your brakes.
  2. Avoid late night driving. Limit trips between 12-4 a.m. on weekends, as the roads can be more dangerous then.
  3. Drive less overall. ...
  4. Stay off your phone.

What is the accident response fee?

What are accident response fees? Accident response fees are charged to motorists who are at fault in an accident (or their insurance companies). They are designated to help pay for the cost of police, fire and other emergency responders. Opponents have dubbed the fees “crash taxes.”

How much does Progressive usually settlement claim?

According to Forbes, the average settlements in terms of personal injury claims relating to car accidents are $20,000 to $25,000. However, your personal injury claim could be worth much more than that depending upon the circumstances of your accident and injuries.

How good is Progressive at paying claims?

Progressive placed second to last out of 21 car insurance companies surveyed in JD Power's claims satisfaction study of 2024 with a score of 672/1,000, only beating Mercury. For reference, the study average was 697/1,000, and NJM Insurance Co. earned the first spot at 782.

Will Progressive drop me after two accidents?

When you've had multiple claims, your rate may increase, even if you weren't at fault in the accident (depending on your state and your insurer). While an insurer can't cancel your policy mid-term if you've made multiple claims, they may choose not to renew your policy.

Does Progressive send an adjuster?

Your insurance company will appoint an insurance adjuster, or multiple adjusters, to investigate your claim. Typically, the adjuster contacts you within one to three days of the claim filing. Your adjuster arranges an inspection, assesses the damage to your car, and/or addresses any personal injury claims.

How does accident response with Progressive work?

Progressive is bringing its safety feature, Accident Response, to customers nationwide. If a crash is detected, Progressive will reach out to the driver to see if help is needed. The driver can then quickly and easily request emergency services or a tow truck through the app or with a live agent.

Will my insurance go up if I file a claim Progressive?

Will comprehensive claims increase my rate? Yes, a comprehensive claim might increase your rate, depending on your insurer and state. Comprehensive claims include non-collision events like car theft, car vandalism, car fire, chipped/cracked windshield, hitting an animal, and acts of nature.

Do I pay deductible if not at fault Progressive?

If a driver hits you, your collision coverage will still cover the damage to your vehicle, but you won't have to pay your deductible. In some states, the driver must also be uninsured for a CDW to apply.

Can you negotiate an accident settlement?

According to Value Penguin, claims adjusters who work for insurance companies try to pay the smallest amount possible for the damages that occurred to your vehicle. Before you accept the first offer you receive from an insurance company, be aware that you can negotiate to get what you deserve.

What is the amount you agree to pay in case of an accident?

A car insurance deductible is the amount of money you agree to pay out of pocket when you file an insurance claim. Once you pay this amount, your insurance company will then step in to help cover the remaining cost for damages (up to your policy limit).

What is the settlement fee?

The settlement fee is sometimes referred to the closing fee, and it covers costs associated with closing operations. Some title companies list out each cost, and some bucket them all in one place, so be sure you know exactly what you're paying for. Costs bundled under the Settlement Fee may include the cost of: Escrow.

Does Progressive forgive the first accident?

And some will have accident forgiveness available for purchase. Progressive offers free small accident forgiveness and large accident forgiveness for your first accident as part of our loyalty rewards program. You can also opt to pay for additional accident forgiveness benefits when you purchase your auto policy.

How many claims before Progressive drops you?

Insurers may not drop a customer after their first one or two incidents. The first step is often to increase your car insurance rate. From there, if a customer has another accident or files more claims, the insurer may send a notice that they won't be renewing the policy at the end of its term.

What is the best insurance company for high risk drivers?

State Farm and Geico are among our top picks for high-risk drivers. Car insurance companies consider motorists with a history of at-fault accidents, speeding tickets or DUI convictions high-risk drivers and charge them some of the highest rates of any demographic.

Does Snapshot know if you speed?

The mobile app uses GPS to calculate your speed over time, mileage, and driving behaviors such as hard braking. Location data is used to provide trip information on the phone. It may also be used for underwriting purposes but is not used in determining your personalized rate.

Does Snapshot know if I use my phone?

The Snapshot app with Road Test collects information about how you drive, how much you drive, when you drive, and how you use your phone while behind the wheel. While location data is collected as well, it doesn't impact the Snapshot results you earn, but may be used for underwriting purposes.

How does my phone know if I'm driving or a passenger?

Accelerometer. The accelerometer detects the acceleration of your phone, which plays a big role in determining whether you're driving in a car.