Can I perform a self-repair with Progressive if I still have active car payments? I recently had a minor fender bender and just need to replace my tail light cover, which I’m confident I can handle myself. Will Progressive issue me a check for this, or is it possible that my loan holder, Huntington, will require me to take it to an auto body shop?
Can I self repair with progressive if car payments are still active
When it comes to self-repair after an accident, the situation can vary based on your insurance policy and the requirements of your loan holder. Here are a few key points to consider:
Insurance Coverage: If you have comprehensive or collision coverage with Progressive, you can typically file a claim for the damages. Since you mentioned that it’s a minor repair (like replacing a tail light cover), Progressive might issue you a check for the repair costs, especially if you can provide an estimate or receipt.
Loan Holder Requirements: It’s essential to check your loan agreement with Huntington. Some lenders might have specific rules about how repairs should be handled, particularly if they want to ensure that the vehicle maintains its value. They may require that repairs be done at a certified body shop instead of allowing DIY repairs.
Talk to Progressive: It would be a good idea to contact Progressive directly to discuss your specific situation. They can clarify whether you can self-repair and if they will provide the funds for it.
Documentation: If you go ahead with the repair, keep detailed documentation (photos of the damage, receipts for parts purchased, etc.) in case you need to provide this information to either your insurance or your lender later on.
Ultimately, it’s best to get in touch with both Progressive and Huntington to ensure you are following the correct procedures. Good luck with your repair!