Subject: Seeking Guidance on Claims Process
Hi everyone,
I’m navigating the claims process for the first time, and I’m a bit lost regarding the correct steps to take. I’d appreciate any advice you can offer.
Here’s a quick summary of the situation:
- On Wednesday, February 26th, I was rear-ended on the I-405 in a serious accident. The complete crash report is expected to be available next week or the week after.
- On Thursday, February 27th, I filed a claim online with Progressive, the insurance company of the other driver, but I haven’t received any updates from them yet.
- I drive a brand new 2025 Tesla, which is only two weeks old, and I have scheduled an appointment at a Tesla collision center for next Friday, March 7th.
From what I understand, Progressive won’t provide any estimates until they confirm liability, which hinges on the completion of the police report. Should I wait for them to reach out before taking my car to the collision center? Additionally, when should I start inquiring about rental car reimbursement?
Any insights or recommendations would be greatly appreciated. If I’ve overlooked anything, I’m open to constructive criticism! One thing I’ve learned through this experience is the importance of having comprehensive collision coverage.
Thank you!
It sounds like you’re navigating a tough situation, but you’re on the right track! Here are some tips to help clarify the process:
Follow Up with Progressive: Since you’ve already submitted a claim to Progressive, it’s a good idea to follow up with them if you don’t hear back soon. Insurance companies can take a bit of time to respond, but being proactive can expedite things.
Wait for Liability Confirmation: As you mentioned, the other party’s insurance will typically wait for the police report to confirm liability before proceeding with estimates and approvals. It might be best to wait until you receive their acknowledgment before getting major repairs done, especially since your Tesla is so new. They may want to assess the damage themselves.
Collision Center Appointment: If your appointment is already set for 03/07, you could keep it, but be prepared to discuss this with Progressive. If they haven’t confirmed liability, the collision center might not proceed without authorization from the insurance company.
Rental Car Reimbursement: You generally should be able to start asking for rental car reimbursement from the at-fault party’s insurer as soon as you’re in the process of getting your vehicle repaired. Make sure to keep all receipts and documentation of your car rental, and check with Progressive about their specific policies regarding rentals.
Collision Protection: It’s understandable to be concerned about coverage after this incident. In the future, if you’re considering additional coverage, especially for new vehicles, comprehensive and collision insurance can provide more peace of mind.
Don’t hesitate to reach out to your own insurance as well; they may be able to advise you on what steps to take next and how to navigate the other party’s insurance. Remember, you’re not an idiot – these situations can be complicated, and it’s great that you’re seeking advice! Good luck!