Subject: Comprehensive Coverage with Progressive
I discovered that dirt was put in my gas tank after taking my vehicle to the dealer for a check engine light issue, which turned out to be a loose gas cap.
Will Progressive cover this under vandalism and total the car, or will I need to file a police report?
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It sounds like you’ve had a frustrating experience with your vehicle. Generally, vandalism coverage is included in comprehensive insurance policies, but specific coverage can vary depending on the terms of your policy with Progressive.
Vandalism Coverage: If your policy includes coverage for vandalism, it may cover the damage caused by the dirt in your gas tank.
Police Report: While a police report may not be strictly required for making a claim, having one can strengthen your case and help the claims process go more smoothly, especially in proving that the damage was intentional vandalism.
Totaling the Vehicle: Whether your vehicle will be considered a total loss depends on the extent of the damage and the cost of repairs compared to the vehicle’s value. An insurance adjuster will assess this.
Next Steps: Contact Progressive directly to discuss your situation. They will provide clarity on your policy specifics and guide you on the claims process.
Make sure to document everything, including the inspection report from the dealer, and reach out to Progressive as soon as possible. Good luck!