Post-Storm Frequently Asked Questions

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My vehicle or boat was damaged by a storm. What should I do?

For auto claims, log in to report your claim online. For boat, RV or travel trailer claims, call Progressive 24/7 at 1-800-776-4737 to report your claim.

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Is storm damage to my vehicle and/or boat covered?

If you purchased Comprehensive Coverage, storm damage to vehicles is generally covered, minus the deductible you selected. If you purchased Comprehensive coverage on your policy, storm damage is covered on a qualified claim. A deductible usually applies, and payment is subject to terms of the policy.

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How long will it take to settle my claim?

After you report your claim, your claims representative will work hard to settle your claim as quickly as possible. For auto claims, log in to report your claim online. For boat, RV or travel trailer claims, call Progressive 24/7 at 1-800-776-4737 to report your claim.

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I can't tell if the damage to my vehicle and/or boat has exceeded my deductible. What should I do?

You should promptly report all claims to us for which you expect coverage. An inspection by a trained claims representative can determine how much it will cost to repair your vehicle or boat. After you report your claim, a Progressive claims representative will inspect the damage and prepare a repair estimate outlining the extent and cost of damage.

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Does my car insurance cover the personal items in my car that were lost or damaged?

No, your auto policy only covers damage to the car itself. If you have homeowners or renters insurance, check with your carrier to see if lost or damaged items in your car are covered under that policy.

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Does my boat policy cover damage my boat causes to the dock or nearby boats?

In most situations during a "named storm" or catastrophe, liability coverage would not cover damage to docks, boats and other property caused by your boat colliding into it. Because the damage was caused by a violent storm, the boat owner is not liable or legally responsible. If you own a boat, please review your policy contract and declarations page as well as any attached policy endorsements. These attachments would replace coverages and/or exclusions outlined in your initial policy contract. You may easily locate your policy documents online by logging in to your policy.

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Will my insurance cover a rental car for me?

If you purchased Rental Reimbursement coverage when you purchased your insurance policy, the coverage will be available on qualified claims for up to 30 days while the claim is being resolved. To determine if you have Rental Reimbursement coverage, review your policy documents or log in to your policy to view your coverages. Your Policy Summary page, available from the Policy Snapshot link, lists all your coverages. Progressive policyholders who have a claim but do not have Rental Reimbursement coverage can still receive special pricing from our rental car providers. Ask your claims representative for more information.

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My car was towed. Does my insurance cover it?

If you purchased Roadside Assistance coverage, towing is covered on qualified claims. If you haven't purchased Roadside Assistance coverage, towing and labor coverage may be available through a motor club you belong to or from the manufacturer of your vehicle. If you don't have your policy documents or are unsure about your coverage, log in to your policy to view your coverages, or call a customer service representative. Please have your policy number available when you call one of these numbers, available 24/7:

  • Customers who purchased policies from an agent/broker:
    1-800-876-5581
  • Customers who purchased policies online or by phone:
    1-800-PROGRESSIVE (1-800-776-4737)

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What should I do if my only car is declared a total loss - should I cancel my policy?

In some cases, it will be better for you to keep a policy in force - it will provide protection to you if you drive other people's vehicles. In other cases, people with no access to a car won't need a policy. However, people who maintain continuous insurance are likely to receive lower rates when they buy a new policy than people who let an auto insurance policy lapse. For questions about your policy, call Customer Service. Please try to have your policy number available when you call.

  • Customers who purchased policies from an agent/broker:
    1-800-876-5581
  • Customers who purchased policies online or by phone:
    1-800-PROGRESSIVE (1-800-776-4737)

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I need another set of policy documents. How do I get them?

Log in to your policy to print new documents, or call a customer service representative for assistance. Please have your policy number available when you call one of these numbers, available 24/7:

  • Customers who purchased policies from an agent/broker:
    1-800-876-5581
  • Customers who purchased policies online or by phone:
    1-800-PROGRESSIVE (1-800-776-4737)

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How can I make a change to my policy?

To make a change to your Progressive policy, you can log in online, or call a customer service representative. Please have your policy number available when you call one of these numbers, available 24/7:

  • Customers who purchased policies from an agent/broker:
    1-800-876-5581
  • Customers who purchased policies online or by phone:
    1-800-PROGRESSIVE (1-800-776-4737)

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How do I cancel my policy?

We want you to continue to be a customer. However, if you need to cancel your policy, call a customer service representative for assistance - your Progressive claims representative cannot cancel your policy for you. Please have your policy number available when you call one of these numbers, available 24/7:

  • Customers who purchased policies from an agent/broker:
    1-800-876-5581
  • Customers who purchased policies online or by phone:
    1-800-PROGRESSIVE (1-800-776-4737)

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How can I log in to service my policy online now if I never signed up before?

On the policy login that exists on every page of this web site, select the User ID and Password Help link. Follow the steps for a new user. Your password will be e-mailed to you and you'll be able to make payments, get policy documents and more - all online.

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Will my rates go up as a result of my storm-related claim?

Filing a Comprehensive claim will typically not cause your rates to increase. However, policy rates for areas strongly affected by a major storm eventually may increase because of our loss experience in these areas. In cases like this, it's possible that all drivers in the affected areas may see rates increase - including those who did not file a Comprehensive claim - due to the catastrophe-prone location.

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If my credit is adversely affected as a result of a storm, will my rates go up?

Customers who have questions about their own credit history information can call our Credit Information Team at 1-800-876-5411. The Credit Information Team can review your credit history information and determine if events related to a storm will negatively affect your rate. They will review your situation individually and let you know what your options are.

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Please Note: The safety precautions in this section are general recommendations intended to help protect yourself, others and your personal property from a catastrophic event. We encourage you to use your own good judgment about how to best prepare for, keep safe and recover from these events.