How long does it typically take for Progressive to process an auto insurance claim?
Progressive auto insurance claim timelines vary based on several factors. Learn how long it typically takes Progressive to process an auto insurance claim, factors that influence the timeline, and how to speed up the Progressive auto insurance claim process.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Jul 3, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Progressive aims to resolve most property damage claims within seven to 14 days
- Factors like vehicle damage and accident circumstances can affect processing time
- Claimants can expect up to two years for a personal injury settlement
Progressive, founded in 1937, has been providing auto insurance for over eight decades and has become the third-largest auto insurer in the United States.
With more than 20 million policies under its belt, Progressive is known for its innovative approach to car insurance and its memorable advertising campaigns featuring characters like Flo and Jamie.
The company has an A+ rating on the Better Business Bureau and scores 861 out of 1000 from J.D. Power for its property claims service.
If you have an accident, though, the first thing you may want to know (apart from the basics in our Progressive Auto Insurance Review) is how long it will take for Progressive to process your claim. Read on to learn more about claims processing times with the company and what you can do to speed up the process.
Typical Timeframe for Progressive Auto Insurance Claims
Progressive aims to resolve many property damage claims within seven to 14 days. However, this timeframe can vary greatly depending on the specifics of your claim and the extent of the vehicle damage.
Read more: What is the property damage insurance claims process?
In some cases, it might take longer if complex issues are involved, such as determining fault or negotiating repair estimates. How auto insurance companies pay out claims varies from situation to situation — it may pay the repair shop directly, or you may receive a check.
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Factors Affecting Claim Processing Time With Progressive
Several factors can influence how long it takes Progressive to process your auto insurance claim:
- The extent of vehicle damage: The severity of your car’s damage plays a significant role in determining how long repairs will take.
- Fault determination: The time it takes to determine fault varies based on state laws and accident circumstances.
- Repair shop availability: Repair times depend on the availability of repair shops and parts needed for repairs.
- Claim complexity: More complex claims involving multiple parties or disputes may take longer to resolve.
Understanding these factors and how they impact the processing time for your auto insurance claim can help set realistic expectations while working with Progressive to resolve your claim efficiently and effectively.
Personal Injury Claims Timeline With Progressive
If you’ve suffered a personal injury due to a car accident and are seeking compensation through Progressive, the timeline may be different from a standard property damage claim.
Generally, it takes a few months to begin the negotiation process after filing a claim. Considerations include the extent of your injuries, who’s at fault, whether you have affordable personal injury protection (PIP) auto insurance coverage included on your policy and more.
In cases where legal representation is required, the settlement process could take around two years to resolve. Once an agreement has been reached, it may take an additional six weeks for Progressive to issue the settlement check.
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How to Speed Up the Progressive Claims Process
Though Progressive strives to process claims as quickly as possible, there are a few things you can do to help speed up the process:
- Report your claim promptly: The sooner you report a claim, the faster Progressive can start working on it.
- Provide accurate information: Make sure you understand how to file an auto insurance claim properly. Ensure all information submitted in your claim is correct and complete, as inaccurate information can cause delays.
- Stay in contact: Communicate regularly with your claims adjuster and be available for any required inspections or follow-up questions.
- Choose a network repair shop: Progressive offers a network of repair shops that guarantee repairs for as long as you own or lease your vehicle. Consider getting many estimates from multiple repair shops before proceeding with one.
By implementing these proactive measures, you can effectively simplify the claims process and guarantee a more seamless encounter with Progressive.
Read more: What information do I need to file an auto insurance claim with Progressive?
This will ultimately accelerate your return to the road, minimizing inconvenience. Effective communication and the provision of precise information play a pivotal role in expediting your auto insurance claim.
Understanding the Claims Journey With Progressive
While many property damage claims with Progressive are resolved within a week or two, various factors, such as vehicle damage and accident circumstances, can affect this timeline.
Personal injury claims may take up to two years for a settlement. By following the tips above, you can help expedite your claim process and get back on the road as soon as possible.
Frequently Asked Questions
Why would Progressive deny a claim?
Progressive might deny a claim due to a lack of information or evidence, policy exclusions, late claim reporting, or if the damages are not covered under your policy.
To avoid claim denial, provide accurate and complete information regarding your accident and ensure you have adequate coverage for the damages sustained.
Does Progressive have a time limit for filing a claim?
Progressive does not have a specific time limit for filing a claim. However, it is generally recommended to report an accident or claim as soon as possible to protect your interests and allow the claims process to begin promptly.
Can I choose my repair shop with Progressive?
Yes, you can repair your vehicle at any shop you’d like. However, if you choose one of Progressive’s network repair shops, repairs are guaranteed for as long as you own or lease your vehicle.
How long does it take for Progressive to process a payment?
Progressive typically processes a payment within a few days, but the exact time can vary based on the type of payment and method used.
How long does it take for Progressive to send a check?
Progressive usually sends a check within 7 to 14 days after the claim is approved and all necessary documentation is completed.
Can you cancel a Progressive insurance claim?
Yes, you can cancel an insurance claim with Progressive, but it’s best to contact your claims adjuster to understand any potential consequences.
Does Progressive car insurance cover repairs?
Yes, Progressive car insurance can cover repairs, depending on the coverage type and the specifics of the claim.
Does Progressive cover rental cars?
Yes, Progressive covers rental cars if you have rental car reimbursement coverage in your policy.
Does Progressive pay well on claims?
Yes, Progressive is known for paying well on claims and providing fair settlements based on the coverage and the extent of the damages.
Does Progressive require a home inspection?
Yes, Progressive may require a home inspection for certain types of home insurance policies.
Does Progressive roadside assistance count as a claim?
No, using Progressive roadside assistance generally does not count as a claim and should not affect your insurance rates.
Does Progressive send you a check?
Yes, Progressive can send you a check for claim settlements or reimbursements.
Does Progressive work on weekends?
Yes, Progressive has customer service and claims representatives available on weekends to assist with your needs.
How does Progressive handle claims?
Progressive handles claims by assigning a claims adjuster who investigates the incident assesses the damage, and coordinates the settlement process.
How long after an accident can you file a claim with Progressive?
You should file a claim with Progressive as soon as possible after an accident, though there is no strict time limit, prompt reporting is advised.
How long do I have to fix my car after a claim from Progressive?
You generally have up to a year to fix your car after a claim with Progressive, but it is best to confirm with your claims adjuster.
How long do I have to report an accident to Progressive Insurance?
You should report an accident to Progressive Insurance as soon as possible to ensure efficient claims processing.
How long do Progressive refunds take?
Progressive refunds typically take about 10 to 14 business days to process and be returned to the customer.
How long do you have to add a new car to your insurance policy with Progressive?
You usually have up to 30 days to add a new car to your insurance policy with Progressive.
How long does a Progressive total loss claim take?
A Progressive total loss claim can take anywhere from a few days to a few weeks, depending on the specifics of the case.
How long does an accident stay on your Progressive insurance?
An accident typically stays on your Progressive insurance record for three to five years.
How long does it take for Progressive Insurance to pay out on a stolen vehicle?
Insurance payouts for a stolen vehicle with Progressive usually take about 30 days, pending investigation and documentation.
How long does it take to get Progressive insurance?
You can get Progressive insurance almost immediately upon approval and payment of the premium.
How long does a Progressive photo estimate take?
A Progressive photo estimate usually takes a few hours to a couple of days, depending on the complexity of the claim.
How long does Progressive underwriting take?
Progressive underwriting typically takes a few days to a week, depending on the details and complexity of the policy.
How much does a claims adjuster make at Progressive?
A claims adjuster at Progressive can make between $50,000 to $70,000 annually, depending on experience and location.
How much is Progressive car insurance?
The cost of Progressive car insurance varies widely based on factors like location, driving history, and coverage levels, but the average is about $1,200 annually.
Is Progressive a good insurance company?
Yes, Progressive is considered a good insurance company with a strong reputation for customer service and competitive pricing.
What is a payout summary from Progressive Insurance?
A payout summary from Progressive Insurance is a detailed document that outlines the settlement amount and breakdown of payments for a claim.
What rental car company does Progressive use?
Progressive often partners with rental car companies like Enterprise and Hertz for rental car coverage.
What time does Progressive process payments?
Progressive processes payments throughout the day, with most transactions completed by the end of the business day.
When does Progressive take automatic payments?
Progressive typically takes automatic payments on the scheduled due date as per the policyholder’s billing cycle.
When was Progressive founded?
Progressive was founded in 1937.
Where does Progressive take totaled cars?
Progressive typically takes totaled cars to salvage yards or auction facilities for assessment and resale.
Will insurance pay for a rental car during repairs with Progressive?
Yes, Progressive will pay for a rental car during repairs if you have rental car reimbursement coverage included in your policy.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.