We offer optional coverage that can pay for some or all of your car rental charges. Simply check your policy or contact your claims representative to see how your coverages apply. Even if you're not covered for car rental charges, your claims representative can help you find a rental vehicle and offer you a discount. A car insurance deductible is what you pay “out of pocket” on a claim before your insurance covers the rest.
Collision protection, all-risk, coverage for uninsured and personal injury drivers typically have an auto insurance deductible. You can generally choose between a low deductible and a high deductible. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
If your car insurance deductible is greater than the cost of damage to your vehicle, you'll pay the full cost out of your pocket, since the insurer only covers damages that exceed the amount of the deductible. You can also purchase Progressive Accident Forgiveness when you purchase your Progressive policy for the first time or during the policy renewal. After you pay the amount of the car's deductible, your insurer will cover the remaining cost to repair or replace your vehicle. The amount of time an accident stays on your driving record, which can be used to determine your auto insurance rate, can vary by state and insurer.
If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here. Progressive customers automatically get minor accident forgiveness in most states for free as soon as they start their Progressive policy. If you live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield. You can opt for a higher car insurance deductible because you're betting against having an accident, but if you've had accidents in the past and drive often on higher-traffic roads, you're more likely to file a claim and pay a deductible.
Your insurance company will stop charging you for the accident after a certain number of years (the duration varies by insurer and state). After you've had a car accident, the first steps are to ensure everyone's safety, report the accident to the police, exchange insurance information with the other driver, and start the insurance claim process. Filing a car insurance claim can be a difficult process, and you're not the only one with questions about how things work. Insurance companies generally consider several years of your driving record to determine the rate of your car insurance.