Accident Response

Terms & Conditions

Last Updated – March 01, 2023

Your participation in the Accident Response program and use of our Progressive mobile application (the “App”) for Accident Response is expressly conditioned on your acceptance of these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you should not participate in Accident Response.

The Progressive Group of Insurance Companies (Progressive) reserves the right to modify the terms and conditions at any time. Modifications to these Terms and Conditions can be viewed within the App, or by going to this link. Continued participation in Accident Response by you will constitute your acceptance of any revisions to these Terms and Conditions. Please check this page regularly.

About Accident Response

Progressive offers an accident detection and response program, called Accident Response, through our App. We use the sensors in your phone to detect if you are in a motor vehicle collision (“Event”). To participate in the Accident Response program, you agree to download the App, complete the registration process, and keep all required App permissions enabled while driving.

When Accident Response is on, the App may detect if you are involved in an Event. If an Event is detected, the App will initiate automated call(s) or texts to your device, or push notifications or in-app message(s) through the App, asking for your response to confirm the Event and determine whether you require an ambulance or tow service. If you affirmatively confirm the Event and request an ambulance or tow, a call center managed by Progressive or its vendor(s) will initiate dispatch of these services on your behalf to your device location. If you do not respond to our attempts to reach you, Progressive may, without your confirmation, initiate a 911 call for emergency assistance to your device location. If we determine you are not in need of emergency assistance, including if (where available) we detect you are driving the vehicle again within a pre-determined time period after the detected Event, we may discontinue any further outreach related to this Event.

Data collected. Once downloaded and registered, the App will run in the background and collect driving and phone sensor data (“Mobile Driving Data”), which will be uploaded to Progressive. Mobile Driving Data includes, but is not limited to, vehicle speed and location using GPS, time and date information, phone usage and settings, data from the phone’s sensors, your responses to contacts initiated through the Accident Response program, and any other information necessary to enable or support the Accident Response program. Location information may be used to detect whether an Event occurred, to direct emergency services, and for claim analysis and resolution. App analytics information is also collected. Mobile Driving Data may be used for research and development purposes.

We're committed to protecting your privacy and earning your trust, and understand you may have questions about how we use the Mobile Driving Data we collect. In addition to our commitment to you in our Privacy & Security Policy at progressive.com, we explain what we will and won’t do with your data in our Privacy Statement located at progressive.com/support/legal/snapshot-privacy-statement.

Consent to Contact

When Accident Response is on, you expressly consent to allow Progressive and/or its vendor(s) to contact you or your device by push notification, in-app message, text message, or phone call, including through use of an automatic telephone dialing system, in connection with the detection of an Event. You also consent that any call made to you or your device may be recorded.

Message and data rates may apply.

Consent to Use Mobile Driving Data

By enrolling in the Accident Response program, you acknowledge and consent to the following:

You will provide to us Mobile Driving Data, and permit us to retain and use Mobile Driving Data and information resulting from or in the management of an Event. You may turn off the Accident Response service in the App at any time. We will retain Mobile Driving Data as necessary to meet our data retention requirements and policies.
We will analyze Mobile Driving Data for detecting whether an Event may have occurred, and for offering assistance to you at the scene. Mobile Driving Data may be useful in determining the cause of an Event. If you’re involved in an Event, you may have a legal obligation to preserve the information on your phone. This information may be sought by opposing parties in a civil lawsuit or by police when investigating the cause of an Event, or we may be legally obligated to provide such information in response to a subpoena or as otherwise required by law.
If Mobile Driving Data is potentially relevant to an insurance claim with us, we may use it to assist in analyzing and resolving the claim. This may include, but is not necessarily limited to, validating the circumstances, such as date and time of loss and crash location; making liability and coverage determinations; conducting investigations of policy and/or claims fraud and material misrepresentation, including verifying information you’ve previously provided to us; and any potential subrogation or litigation involving the claim.
We may use Mobile Driving Data collected or derived from the App for underwriting purposes, including verification of information provided by you or with your consent; to service your insurance policy; market our or our affiliates’ products and services to you; and for research and development.
If an Event is detected and an ambulance or tow is dispatched, Progressive will automatically open a claim under your policy. We will not automatically open a claim if only a tow is dispatched, and you pay for that tow out of your own pocket when service is rendered. The dispatching of emergency services and/or a tow truck by us shall not be deemed a determination of coverage under your policy.

Minors

If you sign up minors on your policy to participate in the Accident Response program, you agree we may provide the Accident Response service to them, including dispatching emergency services in the event of a detected accident, and initiating a claim on your insurance policy. Children under the age of 13 are not permitted to participate in Accident Response.

Availability

The Accident Response program will only be available while the App is installed and all required permissions are enabled. The Accident Response program is available where the App is available, the service is offered, and the policyholder and/or other drivers on the policy are eligible. The Accident Response program will only detect Events and provide tow and ambulance services in the 48 contiguous United States, plus Alaska, Hawaii, and the District of Columbia; and only when the App is actively monitoring your driving behavior.

Disclaimer / Limitation of Liability

The App is intended to detect major Events, but may not detect all Events. Additionally, the App may incorrectly identify some non-collisions as Events. You will be required to pay for ambulance and/or towing services you’ve requested if you do not have the requisite insurance coverage.

PROGRESSIVE AND ITS VENDORS DO NOT WARRANT OR GUARANTEE THAT ACCIDENT RESPONSE PROGRAM SERVICES WILL WORK IN ANY OR EVERY CIRCUMSTANCE, DETECT AND/OR REPORT ANY OR ALL COLLISIONS, AVOID ANY OR ALL FALSE POSITIVES, OR THAT AN AMBULANCE OR TOW WOULD BE PROVIDED IF AN EVENT OCCURS, EVEN IF REQUESTED. WITHOUT LIMITATION, HARDWARE ISSUES OR FAILURES MAY PREVENT EVENT DETECTION, LIMITATIONS OR ERRORS IN THE ALGORITHM, AND PROCESSES USED BY THE APP MAY NOT FUNCTION PROPERLY. THE ACCIDENT RESPONSE PROGRAM IS NOT A REPLACEMENT FOR 911. YOU ARE ENCOURAGED TO ALWAYS DIAL 911 IMMEDIATELY IN THE EVENT OF A SERIOUS CRASH, OR A CRASH INVOLVING INJURY.

YOU UNDERSTAND THAT PROGRESSIVE AND ITS VENDORS CANNOT ASSURE YOU, OR MAKE ANY GUARANTEES, ABOUT THE MANNER OR TIMELINESS OF THIRD-PARTY EMERGENCY RESPONSE OR EVEN WHETHER THIRD PARTY EMERGENCY RESPONDERS WILL IN FACT RESPOND TO YOUR EMERGENCY AT ALL. IN NO EVENT SHALL PROGRESSIVE AND ITS VENDORS BE HELD LIABLE IN INSTANCES WHERE THE APP HAS BEEN HINDERED FROM OPERATING; FOR THE TIMELINESS OF THE RESPONSE OF EMERGENCY ASSISTIVE SERVICES OR THEIR FAILURE TO ARRIVE AT THE SCENE OF THE EVENT; AND WHERE THE ACCIDENT RESPONSE PROGRAM FAILS TO OPERATE AS DESCRIBED OR EXPECTED.