I was recently involved in a collision with a vehicle insured by Progressive, but the driver was unlicensed and not a US citizen. The owners permitted him to drive, and thankfully, no one was injured. He admitted fault, and the police report confirms this as well. When I reached out to my insurance company for guidance, they mentioned that there’s a possibility Progressive may deny coverage since the driver isn’t considered a permitted driver due to his unlicensed status. I’m uncertain whether my vehicle, which is brand new, will be totaled or not. I’m in the process of filing a claim with Progressive, but I would appreciate any insights on what to expect and how best to navigate this situation.
Collision with an insured vehicle but an unlicensed non US citizen
I’m sorry to hear about your situation. It sounds frustrating, but it’s good that you’re taking the right steps by filing a claim with Progressive. Here’s what you can expect and some tips on how to handle things:
Claim Review: Progressive will review the details of the claim, including the police report that states the other driver was at fault. They will assess whether or not they’ll cover the damages.
Permitted Driver Issue: Since the driver was unlicensed, there’s a chance Progressive might argue that they weren’t a “permitted driver” under their policy, which could complicate coverage. This can vary based on the specific terms of the insurance policy, so it’s important to see what their findings are.
Damage Assessment: If the vehicle is deemed repairable, Progressive will arrange for an estimate on the damages. If it’s totaled, they’ll determine the vehicle’s market value and offer you a settlement accordingly.
Communicate with Your Insurer: Stay in contact with your insurance company throughout the process. They can offer guidance and assistance based on the evolving situation with Progressive.
Documentation: Keep detailed records of all communications, documents, and any correspondence related to the accident. This includes the police report, repair estimates, and any other relevant information.
Consider Legal Advice: If things start to get complicated or if you’re not satisfied with the outcome, it may be helpful to consult with a legal professional experienced in auto accidents and insurance claims.
Follow Up: Don’t hesitate to follow up regularly with Progressive about the status of your claim. Keep pushing for updates until you have a resolution.
While the situation is challenging, staying organized, and informed and following up diligently can help you navigate this process more smoothly. Good luck!