Submitting a claim while my insurance is at risk of cancellation
I’m facing cancellation of my car insurance with Progressive on March 24 because I’ve made three roadside assistance requests. I need to file an accident claim—will they still help me, or am I out of options?
Filing a claim when insurance is pending cancellation
If your car insurance policy with Progressive is pending cancellation, it’s important to understand how that might affect your ability to file a claim. Generally, you are entitled to file a claim for an accident that occurred while your policy was active, as long as the policy hasn’t officially canceled before the incident.
However, since your policy is set to cancel soon due to the roadside assistance requests, it’s essential to check if you fall within the coverage period for the accident in question. Here are a few steps you can take:
Review Your Policy: Look over your insurance policy to see the specific terms related to claims and cancellations.
Contact Progressive: Reach out to your insurance agent or Progressive’s customer service directly to explain your situation. They can provide clarity on whether your claim will be honored and what the process looks like given your pending cancellation.
Document Everything: Make sure to keep detailed records of your accident, including photos, police reports, and any communications with Progressive.
Consider Alternatives: If it turns out you won’t be covered, you may need to explore other options such as filing a claim under a different insurance policy if you have one, or addressing the damages directly out of pocket.
It’s better to clarify with Progressive as soon as possible so you know your options moving forward.