I noticed that my Progressive Commercial Insurance profile lists two claims—one from 2019 and another from 2023—labeled as “personal comprehensive claims under $1000.” Unfortunately, I can’t recall these claims and I’m unsure if they could be impacting my premiums.
I’m in the process of letting my insurance agent go since he hasn’t been responsive to my calls or texts, so reaching out to him for answers isn’t a viable option. What steps can I take to find out more about these claims and their legitimacy?
It sounds frustrating to be in that situation, especially when your agent isn’t responsive. Here are a few steps you can take to investigate those claims:
Contact Progressive Directly: Reach out to Progressive’s customer service. They should be able to provide you with more details about the claims, including what they were for, when they were filed, and who made the claims. Make sure to have your policy number ready for reference.
Request Claims History: When you speak with Progressive, you can also request a complete claims history associated with your policy. This will give you a clearer picture of all past claims and may jog your memory.
Check Your Records: Look through any personal records, emails, or communications from the time those claims may have occurred. Sometimes claims can be related to minor incidents that you might have overlooked.
Consider Your Credit Report: Sometimes, insurance claims can be recorded or affect your credit history. Check your credit report to see if there’s any mention of these claims there.
Review Your Policy Documents: Look at your current and past policy documents. They may contain information about coverage that could help you understand the context of those claims.
Monitor Your Premiums: Keep an eye on your premiums over time. If you find that they have increased significantly without explanation, this could be related to those claims.
Consider Switching Agents or Insurers: If your current agent hasn’t been responsive, you might want to consider finding a new one or even switching insurers if you feel it’s necessary for your peace of mind.
Document Everything: As you pursue this, keep notes of whom you contact and what information you receive. This documentation might be useful if you need to dispute any claims or changes to your premiums in the future.
I hope this helps, and you’re able to get the answers you need!