I’ve come across some claims on my Progressive Commercial Insurance policy that I don’t remember filing. How can I investigate these claims to determine their legitimacy? My driver profile indicates two claims: one from 2019 and another from 2023, both categorized as “personal comprehensive claims under $1000.” However, I have no idea what these claims pertain to or if they’re impacting my premiums.
Additionally, I’m in the process of letting my agent go because he’s been unresponsive to my calls and texts. So, unfortunately, asking my agent for help isn’t a viable option right now. Any suggestions on how I can proceed?
It sounds frustrating to deal with claims that you can’t recall, especially when you’re trying to get clarity without support from your agent. Here are some steps you can take to investigate those claims further:
Contact Progressive Directly: Since your agent has been unresponsive, try reaching out to Progressive’s customer service directly. They should have access to your claim details and can provide you with more information about the claims listed on your profile.
Review Your Records: Check any documentation you have that might relate to your insurance or vehicles. Look for emails, letters, or old paperwork that might reference claims or incidents from the dates mentioned.
Review Your History: Think back to any incidents you may have had, even if they seem minor. For example, if you had a windshield repair, that might fall under comprehensive claims. It could be helpful to refresh your memory by considering things like theft, vandalism, or animal encounters.
Run a Claims Report: Some states allow you to request a claims report through the Department of Insurance or a similar agency. This can reveal all claims associated with your insurance history, even those you may not remember or were unaware of.
Assessing Impact on Premiums: Inquire specifically about how these claims might impact your premiums. Every insurance company has its own policies regarding claims and their effects on rates.
Switching Agents or Companies: If you’re unhappy with your current agent, consider looking for a new agent or even a different insurance company. Sometimes, shopping around can lead to better service and possibly lower premiums.
Document Everything: Keep a record of all interactions you have regarding this issue. This documentation can be useful if you need to escalate the matter or if there are discrepancies later.
Hopefully, these steps will help clarify the situation with those claims!