Even a small mistake could cause them to call the police, exchange information with the other driver, and notify their insurance company (regardless of whether you intend to file a claim). It's also a good idea to take pictures of the vehicles and properties involved; you may need documentation if the other driver files an insurance claim. For example, if you have reimbursement coverage for a rental vehicle, you may be entitled to a rental vehicle while it's being repaired. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here.
After being injured in a car accident and ending up facing an at-fault driver's insurance provider, contact a Coeur d'Alene car accident lawyer as soon as possible. While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault. Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful.
You can also tell your own insurance company about the accident in case you need to file a claim against your own policy because the at-fault driver had no insurance, was underinsured, or was denied liability by your insurance company. If you have rental vehicle reimbursement coverage under your own policy, you will have coverage for a rental car regardless of fault, within the limits of your policy. The amount of your policy's auto insurance deductible indicates how much you pay out of pocket for a covered claim, while your coverage limits represent the maximum dollar limit that your insurer could pay in a given category. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
You file a collision claim against your own insurance policy because you need a new car as soon as possible. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to the insurance company that your insured driver caused the accident. A CCD Law car accident lawyer can gather evidence and get witnesses to your accident to create an irrefutable case that insurance companies can't challenge. Unfortunately, you'll have no choice but to go to an insurance agent for the at-fault driver when seeking help for an injury in a car accident.
Progressive agents hope you don't have a car accident lawyer on your side to tell you when you're being treated unfairly.