I noticed that my insurance shows claims I don’t remember at all. How can I investigate their legitimacy? I checked my driver profile on my Progressive Commercial Insurance policy, and it lists two claims—one from 2019 and another from 2023—both categorized as “personal comprehensive claim under $1000.” I have no idea what these claims could be, and I’m concerned about whether they are impacting my premiums.
Additionally, I’m in the process of letting my agent go since he has been unresponsive to my calls and texts. Therefore, any suggestions to “ask your agent” won’t be helpful.
It’s frustrating to deal with unresponsive agents, especially when you have concerns about claims on your policy. Here are some steps you can take to investigate the claims:
Review Your Records: Check your personal records, such as repair receipts, accident reports, or correspondence related to claims. Sometimes you might have documented incidents that jog your memory.
Contact Progressive Directly: Since your agent isn’t responsive, reach out to Progressive’s customer service directly. They can provide details about the claims, including the circumstances and whether they were filed on your behalf. Make sure to have your policy number handy for easier reference.
Check with Your State’s Insurance Department: If you’re still having trouble, you can contact your state’s insurance department. They might have resources or officials who can assist with resolving disputes or understanding your claims.
Request a Claims History Report: Some insurance companies provide a comprehensive claims history report. Ask if you can obtain one from Progressive, as it will offer a detailed view of any claims filed.
Consider Your Options for Firing Your Agent: If you still feel your agent is not serving you well, review the process for changing agents or switching to another insurance provider. Be sure you have any necessary documents or information before making the switch.
Monitor Your Premiums: Even before you get clarity on the claims, it’s a good idea to keep an eye on your premium changes. If you suspect illegitimate claims, documenting everything can help when you discuss this with your new agent or provider.
Keep Track of Communication: As you gather information, keep a record of your communications with both Progressive and your agent. This documentation will be useful if you need to escalate the situation later.
Your peace of mind is important, so don’t hesitate to push for the information you need to make informed decisions about your policy and premiums.