Navigating a 3-Car Accident Claim: Lessons from My Recent Experience with Progressive Insurance

Hello everyone,

I’m reaching out to gather insights and advice regarding a rather frustrating situation I’ve found myself in after a three-car accident. Approximately a week ago, I was involved in an incident in Washington state where I was the middle vehicle—unfortunately, I was rear-ended, which resulted in my car colliding with the vehicle in front of me.

After the accident, I promptly filed a claim with Progressive, the insurance provider for the driver who struck me from behind, as it was clear they were at fault. While it initially seemed like the process was moving along, I have encountered a significant roadblock.

The driver of the car in front of me has been elusive, making it difficult for Progressive to contact them. Despite having received their phone number, license plate, and driver’s license details, they failed to provide any insurance information. Now, Progressive informs me that they cannot advance my claim until they manage to connect with this third driver, but details about the reasons behind this requirement remain vague.

Recognizing that time is of the essence, especially since it has only been a week since the accident, I am contemplating whether to navigate the situation through my own insurance policy instead. I’ve come across various discussions suggesting this might be a viable option.

Here are my primary concerns:

• What occurs if Progressive is unable to establish contact with the third driver?
• Is it standard for them to delay my claim under these circumstances?
• Should I consider going through my own insurance or perhaps even seek legal counsel?

I would greatly appreciate any guidance or personal anecdotes from those who have faced similar challenges. Your insights could be invaluable in helping me determine the best next steps. Thank you in advance for your support!