Answer:
When you use a service like towing under your Progressive insurance policy, whether it affects your premium depends on how the transaction is processed and whether it’s associated with your insurance policy. If you paid for the towing service entirely out-of-pocket and the transaction was not linked to your insurance account, it typically would not count as a claim.
Insurance companies usually reserve premium adjustments for claims that impact risk evaluation, such as accidents or damage claims. Paying for and using a service independently, without involving your insurance coverage, should not be classified as a claim. However, if there’s any documentation or record within your insurance account related to your towing service, there could be a possibility it might be regarded as a claim.
It’s advisable to confirm the status of the transaction directly with Progressive to ensure it has not been registered as a claim. Always keep records of such transactions to clarify potential misunderstandings with your insurer. If you anticipate needing recurrent towing services, it might be beneficial to discuss adding roadside assistance to your policy to avoid similar issues in the future.
