Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Progressive denies claims if they are not covered by the policy. Common reasons why the claim may not be covered by the policy are if the policyholder failed to pay their premium by the due date or the end of any grace period, or if they did not have the type of insurance needed to cover the damages they are claiming.
Why Does Progressive Deny Claims?
Lack of coverage
If the policyholder does not have the type of insurance needed to cover the specific type of loss or damage in question, Progressive may deny the claim. For instance, if the policyholder filed a claim for damage to their vehicle after an accident they were responsible for, their claim may be denied if they don't have collision insurance.
If the accident was not the policyholder's fault, they can file a claim with the at-fault driver's insurance company. The at-fault driver's insurance company will typically cover the policyholder's accident-related expenses, up to the at-fault driver's policy limits.
Failure to make on-time payments
If the policyholder failed to make timely payments, their insurance company may view it as a violation of the terms and conditions of the policy. As a result, the insurer may have the right to deny the claim or even cancel the policy altogether.
Failure to disclose information
Insurance companies rely on accurate and complete information from policyholders to investigate claims. If the policyholder fails to disclose information or lies about certain details of the claim, the claim can be denied. For instance, if the policyholder claims vehicle damage that happened prior to the accident, the insurer has the right to deny the claim.
Exceeding the coverage limit
If the cost of the claim exceeds your coverage limit, Progressive may deny the claim or only pay up to the policy limit.
Progressive Claims Reputation
Progressive is not known for wrongfully denying insurance claims. However, Progressive only received a score of 819 out of 1,000 in the latest J.D. Power claims satisfaction survey, compared to the industry average of 873 out of 1,000. Additionally, Progressive receives more complaints than the average car insurance company its size, according to the NAIC.
What You Can Do If Progressive Denies Your Claim
If Progressive denies your insurance claim, you can try appealing your claim decision directly with Progressive. You can do this by sending a letter to Progressive that provides proof of why its decision was wrong or evidence it missed when coming to the first decision.
You can also consider filing a lawsuit against Progressive if you think your claim has been denied without justification or if your adjuster failed to investigate the claim enough. You could even sue Progressive if you receive an unreasonably low settlement offer.
To learn more, check out WalletHub's complete review of Progressive and guide to car insurance claims.
People also ask
Is Progressive good at paying claims?
Progressive is decent at paying claims, compared to the average insurance company, scoring 870 out of 1,000 for its claims process in J.D. Power's latest claims satisfaction study. Progressive also earned an A+ from AM Best, indicating it has the ability to pay out claims.
How Progressive's Claims Process Compares to Competitors
| Company | Claims Satisfaction Score | AM Best Score |
| ... | 870/1,000 | A+ |
What is Progressive's claim time limit?
Progressive does not have a set time limit for filing claims and is unlikely to deny a claim based on late notice. Progressive usually resolves claims in 7 to 14 days and will only deny a claim for late notice if it's possible to prove the delay was unreasonable or compromised Progressive's ability to investigate the claim.
Most insurance policies say that an accident should be reported “promptly”. Reporting accidents as soon as possible...
read full answer by Candace Baker, Car Insurance WriterHow do I fight a denied car insurance claim?
To fight a denied car insurance claim, you should submit a letter appealing the insurance company’s decision and seek help from an experienced lawyer. Your appeal letter should include your claim number, your policy number, and information that counters the insurance company’s reasons for denying your claim. Appeal letters can be sent through regular mail.
How to Fight a Denied Car Insurance Claim
- Request a letter of explanation. Typically, your insurer will...
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