Gather Required Documentation
Before contacting Progressive, collect the police report, photos of vehicle damage, medical records (if injuries occurred), and a copy of your Florida insurance card. Having these items ready speeds up the claim intake and reduces back‑and‑forth requests.
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Initiate the Claim Online or by Phone
Progressive offers a claims portal and a 24‑hour hotline. Log in to your account, select "Start a New Claim," and enter the incident details, or call the number on your insurance card. Provide the date, time, location, and a brief description of what happened; the system will generate a claim number for reference.
Work With the Assigned Adjuster
After the claim is opened, an adjuster will contact you to verify information and schedule an inspection. In Florida, adjusters must follow state guidelines for estimating repair costs and may request additional evidence such as witness statements. Respond promptly to any requests to keep the process moving.
Understand Florida‑Specific Coverage Nuances
Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) as minimum coverages. If you have PIP, medical expenses up to the policy limit are covered regardless of fault. PDL covers damage to another driver's vehicle up to the amount you selected. Check your policy declarations page to confirm limits and any optional add‑ons like collision or comprehensive that affect payout.
Review the Settlement Offer
When the adjuster finalizes the estimate, Progressive will issue a settlement offer. Compare the figure to independent repair quotes and, if needed, request a re‑inspection. Florida law allows you to dispute an offer through the insurer's internal appeals process before pursuing arbitration or legal action.
Complete Payment and Close the Claim
Once you accept the settlement, Progressive will issue payment either directly to you or to the repair shop, depending on the arrangement. Keep all receipts and a copy of the final settlement letter for future reference. The claim is considered closed after payment is processed and the vehicle is repaired.
Key Tips for a Smooth Claim
- Document the scene immediately; delay can weaken evidence.
- Notify the Florida Department of Highway Safety & Motor Vehicles if the accident involves a hit‑and‑run.
- Maintain regular contact with your adjuster and use the online portal for updates.
- Know your policy limits and any deductibles that will apply.