Progressive is one of the most well-known auto insurers in Illinois. If you’ve been in a car accident, Progressive may be involved, either because you’re filing a claim against an at-fault driver covered by Progressive or you’re submitting a first-party claim to Progressive.
Understanding how Progressive handles claims in Illinois can help you navigate the insurance process.
How Progressive Fits Into Illinois’s At-Fault System
Illinois uses an at-fault system for auto accidents. This means that a driver who causes a crash must pay for resulting injuries and property damage.
As part of this at-fault system, every Illinois driver must carry at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage coverage
If damages go beyond those limits, victims may need to seek recovery through the courts. Progressive sells higher coverage limits that cover higher losses after a crash.
Types of Progressive Claims
For Progressive claims, your claim will typically fall into one of three categories:
- Third-Party Liability Claim – You file a claim against the at-fault driver who has Progressive. Their adjuster investigates liability and makes a settlement offer if they accept liability.Â
- First-Party Collision or Comprehensive Claim – If you carry Progressive coverage, you can file a claim against your policy for vehicle damage, theft, or non-collision losses.
- Uninsured/Underinsured Motorist Claim – If the at-fault driver doesn’t have enough coverage, your Progressive policy may step in, depending on your elected coverage.
Each type of claim comes with its own challenges and processes. An experienced attorney can help guide you through the process.
Starting a Claim With Progressive
Progressive has invested heavily in its digital reporting system. You can file a claim:
- Online through Progressive’s website
- Via the mobile app
- By phone at 1-800-776-4737
When filing, be ready to provide the following information:
- Names and contact details for drivers and witnesses
- Insurance information and policy numbers
- The police report number
- Photos or videos of the accident and vehicle damage
Once a claim is submitted, Progressive assigns it to an adjuster, who may contact you for more details.
What to Expect After Filing
Progressive adjusters typically request medical records, bills, repair estimates, and accident reports. They then determine liability and damages.
Illinois law requires insurance companies to process claims in good faith and avoid unreasonable delays. Still, Progressive has a reputation for:
- Offering low initial settlements that don’t reflect the true value of your injuries
- Contesting liability, even in seemingly clear cases
- Delaying claim resolution, particularly in high-value injury cases
That’s why most Progressive claims require negotiation before victims receive fair compensation.
Contact an Illinois Car Accident Lawyer for Help With a Progressive Insurance Claim
If you’ve been injured in a crash involving Progressive Insurance, you may need legal assistance to navigate the claims process, especially if you suffered a catastrophic injury. An attorney can handle all aspects of your case and help you avoid mistakes that could jeopardize your right to full compensation.
Reach out to Feagans Law Group today for a free consultation and learn how we can help with your Progressive claim.