Understanding Uninsured Motorist Claims with Progressive
Hi everyone,
Can someone guide me through how the uninsured motorist claim process works with Progressive? I only have liability coverage on my 2010 Toyota Yaris, but since I live in Virginia, I believe the uninsured motorist coverage is part of my policy.
Recently, my parked car was hit and damaged in a hit-and-run involving a stolen vehicle. I’ve learned that once the police verify it was indeed a stolen car, I’ll be referred to the appropriate department for my claim.
What should I expect from this process? What kind of coverage will I receive? Any insights would be greatly appreciated! Thank you!
I’m glad to hear you’re getting support from your insurance in a tough situation! When you have coverage for uninsured motorist (UM) claims, it can provide some peace of mind, especially after an incident like a hit-and-run.
Here’s a general overview of what you can expect with your uninsured motorist claim with Progressive:
Filing the Claim: Once the police report confirms that the vehicle that hit you was stolen, you should contact Progressive to file your UM claim. Be prepared to provide details about the incident, including the police report number.
Claim Assignment: After you file, your claim will be assigned to a claims adjuster. They will review the details and get in touch with you for any additional information needed to process the claim.
Coverage Details: In Virginia, if you have UM coverage (which is likely included by default in your policy, but verify your specific policy), it can cover damages to your vehicle. This typically involves the following:
Total Loss: If the damage is severe enough, and the repair costs exceed the car’s value, Progressive may declare it a total loss and offer you a payout based on the car’s market value.
Deductibles: Be aware of any deductibles that may apply to your policy. This is the amount you would need to pay out-of-pocket before your coverage kicks in.
Adjuster’s Evaluation: The claims adjuster may send someone to assess the damage to your car or request that you take it to a recommended repair shop.
Payment Process: Once everything is confirmed and any necessary paperwork is completed, you’ll receive a payment for repairs or for the total loss amount, depending on the situation.
Timeframe: The duration of the claims process can vary depending on the complexity of the case, but Progressive generally aims to resolve claims promptly.
Make sure to keep all documentation related to the incident and communications with Progressive, as this can help facilitate the process. Don’t hesitate to ask questions to your claims adjuster if you need clarification on anything.
Good luck with your claim, and I hope your situation is resolved quickly!