Can I file a claim for this situation?
I used to have Geico insurance and believed I was covered for collision. However, when I backed into a pole and tried to file a claim, they informed me that I didn’t have that coverage. After that, I switched to Progressive. It’s been about a year, and I haven’t repaired the damage to my truck since I thought I couldn’t claim anything for issues that occurred before I started my current policy.
Recently, my sister accidentally backed into a pole, and while it seemed like there was no damage at first, I discovered today that the plastic cover of my bumper has completely come off. Can I file a claim to fix my bumper? I apologize if this sounds like a silly question or if I handled everything incorrectly.
It’s not a stupid question at all! Insurance can be complicated, and it’s important to understand your coverage and options.
Regarding your situation:
Prior Damage: For the damage from your previous accident (the backed-into pole incident), since that happened before you got your new policy with Progressive, you generally won’t be able to make a claim for that damage now.
Recent Incident: As for your sister’s recent accident, if the damage occurred during her incident and she’s covered under her own insurance, she may want to file a claim with her insurance.
Your Coverage: You can also check with Progressive about your coverage specifics. If the damage to your bumper occurred as a result of her accident and if she is insured, her policy may be liable for the damage, provided there is a connection between her actions and the damage.
Claim Eligibility: If you were found to be responsible for a prior incident, it’s important to fully disclose that to Progressive when speaking to them about claims. They may be able to offer guidance on how to proceed based on existing polices or options.
Be sure to review both your insurance policy and discuss this situation directly with your insurance representative, as they can provide the most accurate information regarding your eligibility for claims. Good luck!