At-Fault Auto Accident Claims with Progressive Insurance

Progressive insurance is one of America’s leading auto insurance providers, and specializes specifically in auto insurance field, unlike many of the other leading insurance providers. Insurance regulations are not determined by the federal government, leaving the states to create their own specifications. The fault involved in an accident divides state auto insurance regulations between at-fault or no-fault insurance. Filing claims in at-fault states is more complicated than of no-fault.

At-Fault Auto Insurance

At-fault auto insurance functions as one would expect, and is no different with Progressive from other. Compensation is provided by the insurance company of the individual at fault. This responsibility can be partial, meaning that fault is not wholly one side or the other. When this happens, compensation provided proportionally to the fault. For instance, an accident involving two people may be 30% fault of one side and 70% of the other, with the insurance provider-compensating equal to the percentage of fault by their client.

• Partial fault is not applicable in all states.
• Fault is the major factor for determining compensation in at-fault states.

Filing Claims

Progressive offers 24 hours service for the completing and assisting the claims process. They should be notified immediately of an accident, so that an agent can prepare to assess the claim. Auto insurance claims are divided into personal injuries and property damage. Personal injuries are a more complicated filing process because of the number of things that must be compensated for. In addition to the overt medical bills of an injury, the cost of prescriptions and any possible future charges must be accounted for. To predict these possibilities, multiple doctors should be consulted to ensure an accurate approximation. For property damage, appraisal services are readily available in most areas, and can be provided by Progressive.

• The statute of limitations on auto insurance claims is anywhere from one to six years.
• Lost wages can be compensated for when missed under doctor’s orders.

Getting Legal Help

Legal professionals are especially useful in states with at-fault insurance, because fault is often uncertain. An attorney with experience in auto insurance can effectively evaluate an accident to prove or disprove fault. Insurance attorneys are common in most areas, and many specialize further in auto insurance. Personal and business referrals are generally the best way to find the right attorney, but free online services are available to locate all available attorneys.