As one of the leading providers of car insurance policies in the United States, Progressive is known for competitive pricing, excellent coverage, and superior customer service. While car insurance is a requirement for car owners, it’s always good to have peace of mind, knowing someone is there to help in the unfortunate circumstance of an accident.
Sadly, you can’t always be sure your insurance provider is on your side. With shareholders, bottom lines, and budgets to satisfy, insurance providers sometimes target policyholders and unjustly minimize settlement claims. Knowing how to appropriately file a claim can help you avoid unnecessary risk and vulnerability.
After a Car Accident
Car accidents are rarely anticipated, and they have a tendency to produce anxiety. This is especially true if your vehicle sustains serious damage or you are left with painful injuries. However, despite the incredible weight of the situation, it’s important to remain calm and approach the incident in a calculated manner.
Following an accident or collision, the first step is to make sure everyone is okay. If there are any serious injuries, call 911 immediately. After confirming everybody is safe, you’ll need to exchange contact information with the other driver(s) involved. Make sure you document names, insurance provider information, policy numbers, contact information, and driver’s license numbers. However, avoid apologizing, admitting fault, or discussing details about the accident. If there are any witnesses present, record their names and phone numbers as well.
It’s also important to file an official police report. Call the police to discuss details of the accident. They will file a report, which will play a major role in the ensuing claims process.
Filing a Claim with Progressive
After leaving the accident scene, Progressive asks that you contact them as soon as possible – either online or over the phone at 1-800-PROGRESSIVE. You will be put in touch with a claims representative and asked for basic information regarding the accident. They will look into your coverage options, determine the extent of coverage, and send out an adjuster for a damage estimate.
In minor accidents, it’s okay to speak with a claims representative. However, if you are seriously hurt, it is in your best interest to contact a Houston personal injury attorney to guide you through the process.
Texas Insurance Law
Because Texas is a “fault” state, you are legally allowed to file a liability insurance or personal injury claim against the other driver. If the other driver is proven to be at fault, his or her insurance provider will cover your expenses. If multiple drivers are at fault, the responsibility can be distributed proportionally. These situations often lead to heated debates between insurance providers, and you may end up on the raw side of a settlement if you attempt to approach the situation without legal representation.
What You Need to Know
Car accidents are serious issues and must be dealt with appropriately. With so much at stake, it’s important to understand how to respond when involved in a collision.
When initially filing your claim with Progressive, you will be asked to discuss all of the details regarding the accident. They will want to know about what you were doing at the time of the accident, what the other driver(s) were doing, what other circumstances were at play, and the extent of damage. With the assistance of an attorney, you can answer these questions in a way that doesn’t leave you vulnerable to an unfair settlement.
Attorney Brian White
If you’re hurt in a car wreck, you will need assistance. For help navigating tricky legal waters, contact attorney Brian White today. With years of local, personal injury experience, Mr. White offers high quality, effective representation every step of the way.