I had a rough morning on the highway when I got rear-ended by a semi. I was braking to avoid hitting the vehicle in front of me, which was stopping due to another car braking for a black lawn bag full of mulch. The semi wasn’t able to stop in time because it was following too closely. I’m sore, but I haven’t seen a doctor yet.
What’s surprising is that the semi’s insurance already had the accident report before we even contacted them. We’re with Progressive, and they informed us that we could file a claim through them to handle the semi’s insurance. However, we don’t have rental car coverage in our policy, and it looks like the truck may be totaled.
I’m trying to figure out the best course of action—should we deal directly with the semi’s insurance, or should we let Progressive handle it?
I’m sorry to hear about your accident; that sounds really stressful. Since you’re dealing with a semi’s insurance, it may be simpler to allow Progressive to handle the claim for you, especially since they already have experience with these situations. They can help you navigate the process of dealing with the other insurance company and ensure you get the compensation you deserve.
If you’re feeling sore, I would strongly recommend seeing a doctor to document your injuries. This can be crucial for your claim. Having medical documentation will support your case if you need to show the insurance companies the extent of your injuries. It may also be a good idea to keep a record of any medical expenses, treatments, or missed work due to your injuries, as these can all factor into your claim.
Additionally, check with Progressive about any options they might provide for covering a rental car or any other immediate needs you have while your claim is being processed. Good luck, and I hope you feel better soon!