What happens if I disagree with Progressive’s decision on my auto insurance claim?

After an auto accident, filing an auto insurance claim can be stressful. Like any insurance company, Progressive may decide not to pay for all of your expenses or deny your claim. Appealing gives you an opportunity to negotiate with Progressive until you’re satisfied with the company’s decision.

Learning how to compare auto insurance quotes and telling Progressive you’re considering another auto insurance company could enhance your argument.

In this article, we’ll help you learn more about what happens if you disagree with Progressive’s decision about your auto insurance claim and the evidence you may need for your appeal. (For more information, read our “What happens if I disagree with the insurance company’s decision on my claim?“).

Read more: What information do I need to file an auto insurance claim with Progressive?

Steps When You Disagree With Progressive’s Decision on Your Claim

After Progressive decides on your claim, you’ll receive a claim denial or a settlement offer describing how Progressive reached its conclusion and the evidence the company considered.

Review this letter or email attentively, and ascertain whether there is any absent or erroneous information that could have influenced the decision. Then, compose an appeal letter, also called a demand letter, that lets Progressive know why you should get more compensation.

An insurance adjuster will read your letter, review your evidence and documents, and let you know about the results of your appeal. After writing a demand letter, most people wait a few weeks for an answer.

If you’re not satisfied with Progressive’s response, you can speak to a supervisor. However, the conclusion about your claim may not change. You can talk to a lawyer about your options for increasing your compensation.

If necessary, you can file a lawsuit or mediate with Progressive. Be aware that the statute of limitations is two or three years in most states. If you don’t start a lawsuit before that period ends, Progressive’s conclusion will be final.

To learn more about Progressive and how the company handles claims, check out our Progressive auto insurance review.

What You May Need for a Successful Appeal with Progressive

For a successful appeal, gather as many documents about your claim as you can. These can include:

• Photos of the location of the accident and any damage that occurred
• Repair bills
• Statements from any witnesses about the accident
• Their names and contact information
• The police report
• The insurance and contact information for any other drivers that were involved

If you had an injury during the accident, you should also keep track of statements and medical bills from hospitals or doctors. They can help you describe your treatment so far and any related care you may need in the future.

What to Do if You Disagree With Progressive’s Decision

Understanding what happens if you disagree with Progressive’s decision on your auto insurance claim can give you a chance to change the company’s conclusion and increase your compensation.

If you can’t agree with Progressive about what you should get for your claim, consider comparing quotes and looking for affordable full coverage auto insurance from another auto insurance provider.