Paying for repairs before my claim is approved? (Progressive)
(Apologies if the flair is not accurate)
I recently filed a claim with Progressive for damage to my car, and they informed me that I would receive an update by the end of the next business day (Monday). In the meantime, I found an auto shop that can handle the repairs today. If I proceed with the repair and pay out of pocket, will my insurance reimburse me for the cost once my claim is processed?
Yes, in many cases, insurance companies, including Progressive, will reimburse you for repairs that you pay for out of pocket, as long as the claim is approved and falls within your policy coverage. However, it’s important to keep a few things in mind:
Documentation: Make sure to keep all receipts and invoices related to the repair. Documenting the repair process can help when you file for reimbursement.
Claim Process: Notify Progressive that you are planning to proceed with the repairs before your claim is completely processed. This may help avoid any issues with reimbursement later.
Coverage Limits: Ensure that the repairs fall within the limits of your coverage. If you’re uncertain, it may be helpful to check your policy or speak with a representative.
Preferred Shops: Sometimes, insurance companies have preferred shops or contractors. If you go outside of their network, it might affect the reimbursement amount.
It’s always a good idea to consult with your claims adjuster to clarify any details specific to your situation before proceeding with repairs. This way, you can ensure you’ll be reimbursed for your expenses.