The insurance company generally has approximately 30 days to investigate your car insurance claim, although the number of days varies by state. Most state laws require that claims be processed promptly and without unnecessary delay, but processing and resolving them can take longer, especially if the accident was serious or if a coverage investigation is necessary. The time frames for filing a claim vary depending on the insurer, the status, and the type of claim. Each state provides you with a longer than reasonable amount of time, but you shouldn't delay in contacting your insurer.
The aftermath of an accident can be confusing. Often, people injured in the accident aren't completely sure who was at fault for the accident and may worry about getting emergency services and medical care for the injuries. It is also important to call the police at the scene of the events. The police officer can investigate the causes and interview witnesses.
Drivers should exchange insurance information. After taking these steps at the scene of a car accident, it may be necessary to file a car insurance claim in Progressive. Our Chicago car accident lawyers can help you navigate this process. 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.
Most insurers prefer that car accidents be reported immediately so that they can investigate if a lawsuit is filed. People insured by another insurer should check their insurance policy and read the section on obligations to know when they should report a car accident to their insurer. Filing a car insurance claim can be a difficult process, and you're not the only one who has questions about how things work. Progressive continues to check the status of repairs and address other issues related to vehicle damage while the vehicle is in the shop.
In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss. The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. 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.
Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault.
You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver was uninsured, underinsured, or was denied liability by your insurer. While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle.