We offer optional coverage that can pay for some or all of your car rental charges. Simply check your policy or contact your claims representative to see how your coverages apply. Even if you don't have coverage for rental car charges, your claims representative can help you find a rental vehicle and offer you a discount. You'll receive a repair quote after you file a claim with your insurance company.
A car insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest. Collision, all-risk, protection coverages for uninsured and personal injury drivers typically have an auto insurance deductible. You can generally choose between a low deductible and a high deductible. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate.
Progressive, like other auto insurance companies, groups customers based on similar characteristics, evaluates their claims experiences within these groups, and determines how much it will charge people with characteristics similar to those of group members. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Progressive also determines rates based on acquisition and operating costs. In addition, if your policy includes reimbursement for a car rental and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
Otherwise, simply call the other party's insurer to file your claim using the information your insured provides you with about their car insurance. You can opt for a higher car insurance deductible because you're betting against having an accident, but if you've had accidents in the past and drive often on higher-traffic roads, you're more likely to file a claim and pay a deductible. If you have a car accident caused by someone else, you can file a third-party claim with the other driver's insurance to cover expenses related to the accident. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
After you pay the amount of the car deductible, your insurer will cover the remaining cost to repair or replace your vehicle. You can change insurers at any time, even if you just renewed your policy with another insurance company. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. Although you won't submit the claim to your insurance company, call your insurer as soon as possible to report what happened.
Filing a car insurance claim can be a difficult process, and you're not the only one who has questions about how things work. If your car insurance deductible is greater than the cost of damage to your vehicle, you'll pay the full cost out of your pocket, since the insurer only covers damages that exceed the amount of the deductible. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.