Can I file a claim for this situation?
I used to have Geico insurance and was under the impression that I had collision coverage. However, when I backed into a pole and tried to file a claim, I found out that I didn’t have that coverage. After that experience, I switched to Progressive. It’s been about a year since then, and I’ve left the damage to my truck unrepaired because I thought I couldn’t claim for damages that occurred before my new policy started.
Recently, my sister accidentally backed into a pole, and while it looked like there was no damage at first, I noticed today that the plastic cover of my bumper had completely come off. Is it possible for me to make a claim to get my bumper fixed? I apologize if this question seems silly or if I’ve made some major mistakes along the way.
It’s definitely not a stupid question—insurance can be really confusing. Generally, you can only file a claim for damages that occur while your insurance policy is active and only for incidents that are covered under that policy.
In your case, since the damage to your truck happened before you switched to Progressive, it typically wouldn’t be covered by your new policy. As for your sister’s accident, if you file a claim with Progressive for the damage that occurred when she backed into the pole, it may depend on the specifics of your policy.
You should check your Progressive policy details. If you have collision coverage and the damage occurred while she was operating your vehicle, it might be worth filing a claim. Keep in mind that filing claims can affect your premiums, so consider the cost of repairs versus your deductible and potential rate increase. It might also be helpful to call your insurance agent to clarify your coverage and discuss your options. Good luck!