Can Progressive Insurance deny a claim for hale damage for not having receipt for a claim 5 years ago?

Free Insurance Quote Comparison

secured lock Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 22, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Lubbock, TX

Asked on 06/22/2013

Can Progressive Insurance deny a claim for hale damage for not having receipt for a claim 5 years ago? I filed a claim for hale damage for a bad storm that happened last month and Progressive denied claim because I didn't have receipt for a claim 5 years ago. I have been paying full coverage with Progressive for 12 years. They denied claim because I don't have receipt for previous repairs. My mother took and has passed away since and I don't have receipts.

Answer given on July 24, 2013

Most insurane companies who settle a hail damage claim are aware that the damage is not always repaired by the vehicle owner. In your case, if you were the owner of the car at the time of the previous claim, they can ask for proof the repairs were made. However, if you did not own the car at that time, and then purchased insurance from them, they should honor your claim.When you applied for the insurance you are usually requested to advise of any existing damage to your car. If you indicated there was no damage, and the agent or insurance company did not inspect the car, they have no standing to deny your claim.If your mother had the car insurance, and you simply took over her policy, then no application would say whether you indicated damage or not to the car. It puts you in a more difficult position. You indicate the car was damaged 5 years ago, but insured with Progressive for 12 years, so the times are confusing.Ask to speak to a supervisor about the claim. See if they will help you in getting the claim settled to your satisfaction.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

secured lock Secured with SHA-256 Encryption