Can I handle a self-repair with Progressive if I’m still making car payments? I recently had a minor fender bender and just need to replace my tail light cover, which I can easily do myself. Will Progressive send me a check for the repair, or could my loan provider, Huntington, require that I go through an auto body shop?
Can I self repair with progressive if car payments are still active
When it comes to handling insurance claims and loan agreements, there are a few factors to consider. Generally, if you have comprehensive or collision coverage with Progressive, you may be able to file a claim for the damages and potentially receive a check to cover the repair costs, even if you choose to do the repairs yourself.
However, with an active car loan, your lender (Huntington, in this case) might have specific requirements regarding repairs, especially if your car is financed. Lenders often want to ensure that the car remains in good condition and maintain its value. They may require that any repairs be done at a certified auto body shop to ensure quality.
To clarify your situation, it’s best to contact both Progressive and Huntington directly. Ask Progressive about their policies regarding self-repair and how it relates to your claim. Also, check with Huntington to see if they have any restrictions on the process and required documentation for self-repair.
If your lender doesn’t have any restrictions and you’re able to self-repair, just keep documentation of the costs involved (receipts, parts purchased, etc.) in case you need them for the claim or any future reference.