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. 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. You can file your claim through our mobile app, online, or by calling 1-800-776-4737 and providing basic information.
A representative will explain your coverage and next steps. Progressive continues to check the status of repairs and address other issues related to vehicle damage while the vehicle is in the shop. Repairs performed at a network repair shop are guaranteed as long as you own or lease the repaired car. The insurance adjuster can be friendly, but in most cases, the insurance adjuster's goal will be to find out if you contributed to the accident or if you have taken steps that could be interpreted or result in alleging your fault for the accident.
After taking these steps at the scene of a car accident, it may be necessary to file a car insurance claim in Progressive. The amount of time an accident stays on your driving record, which can be used to determine your auto insurance rate, can vary by state and insurer. 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. If you live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield.
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. After you pay the amount of the car deductible, your insurer will cover the remaining cost to repair or replace your vehicle. You'll also get expert advice on what coverage you should buy, as well as finding out how much car insurance costs in the event of fines and accidents. Insurance companies generally consider several years of your driving record to determine the rate of your car insurance.
You are allowed to take the car to a repair shop within the Progressive network, or you can use your own repair shop. If you were injured in a car accident and are concerned about a Progressive car insurance claim, you should contact an experienced personal injury lawyer. You can also purchase Progressive Accident Forgiveness when you purchase your Progressive policy for the first time or during the policy renewal. 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.
Illinois car insurance laws only require that you insure yourself against bodily injury and property damage, so it's your choice if you want to add coverage for yourself, your passengers and your vehicle. Learn everything you need to know to buy the best Elgin auto insurance policy for your unique situation.