@Progressive Blog

Someone Hits You. Who Reports the Claim?

Posted by Allison Ruuska on 1/28/2008 at 1:00 PM

It's no surprise that accidents wreak havoc on your day. Amid the confusion in the aftermath of an accident, you're dealing with several tasks — calling the cops, moving out of traffic, exchanging information with other drivers, etc. So, once everything settles down, who reports the claim?

 

If someone hits you and it's pretty clear that person is at fault, is it his responsibility to report the claim, or should you report the claim?

According to your auto policy, it's your duty to report all claims to your insurance company, regardless of fault. People often think that they're not required to report a claim to their own insurance company if they're not at fault for the claim. However, this is incorrect. When you purchase an insurance policy, make sure you read the section addressing your duties in a claim to understand what circumstances call for you to report a claim.

So, if you're involved in an accident, each person should report the claim to his own insurance company. If the accident isn't your fault and another company is willing to cover your damage, you can choose to use that company instead of your own, and it should be fairly easy for your own company to close your claim.

What many people don't know is this: You can report a claim to another person's insurance company. If someone rear-ends you, you don't have to wait for that person to report the claim to his company. If you exchanged insurance information, you can report the claim to the other person's company. If he's already reported it, they can provide you with the proper claim information. If he hasn't already reported the claim, you just have.

Often, people wait to hear from another person's insurance company if they think the other driver is at fault. Days pass, and no contact is received. Most likely, that's because the other driver hasn't reported the claim, but you don't have to wait for the other person to report the claim — you're free to call the company yourself.

If you weren't able to get the information at the scene of the accident, it's possible the other person's insurance information is listed on a police report if one was written. You can try to obtain the police report through the police station or through your own insurance company if you already reported the claim, as they often order police reports soon after a claim is opened.

If you're a Progressive customer, we can always give you advice on how to proceed with a claim if you're not sure what to do. We can help you decide if you should use your own insurance or if you should work with another company to cover your damages. Simply contact us for help 24/7 at 1-800-PROGRESSIVE (1-800-776-4737), or report your claim online.

The information in this blog may vary based on your particular state or situation. Always refer to your insurance policy for your specific coverages.

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Comments

Someone ran a stop sign last Tuesday and hit my car. We picked up the police report 2 days later. We contacted her insurance company and reported the claim. Still has not contacted her insurance company. My car is not driveable and she was issued a ticket. The claims adjuster said they will not do anything until their customer reports the accident. Is this true? We faxed a copy of the police report to the adjuster too.
Posted on 7/7/2012 at 6:32 PM by Tammie Williams
@Tammie: We hope you're OK. It's important you contact your claims adjuster for further assistance. You can call our Claims Department anytime at 1-800-274-4499.
Posted on 7/24/2012 at 10:45 AM by Progressive
My legally parked car was backed into by an ambulance and destroyed and ripped off my vehicles front bumper, damaged both fenders, cracked one headlight and dented the hood. This happened on 9/2/12 in nyc. I have insurance but dont want to contact them for fear of my premium going up. I have the police report, I took several pictures, and have 2 witnesses and their information. Can I file a claim with the at-fault driver's insurance company directly?
Posted on 9/4/2012 at 5:04 AM by rocky
A trucking company who I believe might be insured with Progressive struck my car which was parked the other night and left the scene. Is it possible for me to call in or file a claim online against this company? Thanks
Posted on 10/15/2012 at 8:55 AM by Ana
Hello, This is my first time having this issue, today in the morning someone hit my car from behind, it wasn't a big hit, but it made a small crack on my rear bumper. the guy apologized, we looked at each other's car and actually his car took more damage than mine. Like I said, is my first time and I don't really know what to do in these situations. We didn't exchange insurance info, I didn't see his license or what kind of car was it. We only exchanged phone numbers and that's it. I just submitted this info to progressive. I hope I don't need the other person's info to get help for this.
Posted on 1/16/2013 at 2:46 PM by Jose
I was t-boned and got pretty banged up. The police report shows the girl was at fault, as well as speeding where she ran a stop sign. Her insurance took full liability. However, I'm trying to purchase a new car and Progressive is telling me my rate is going to be higher because I was in an accident, even though it wasn't my fault. I'm not sure I get this, and don't understand how this is fair policy?
Posted on 3/20/2013 at 10:50 PM by Melissa

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