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UPDATED: Mar 5, 2012
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Insurance Question from Copper Canyon, TX
Asked on 03/05/2012
Claims settlement I have been fighting with progressive on a claim that was not my fault for two weeks now. I reported damage to my car as soon as I saw it but do not know when or where it happened. I called ASAP to report the claim as soon as I saw the damage and I asked at the time if I needed to file a police report and was told I do not. Now a claims manager wants me to file a police report even though I have no idea where or when this happened (was over a weekend at some point). Is a police report mandatory and can Progressive withhold information if I tell them a police report is too late now?
Answer given on March 11, 2012
If you have a hit and run accident and do not know when and where it happened, most people would not bother to report this to the police. When the adjuster asked if you filed a police report that is not a problem. Since the manager has asked you to file a police report, you should do so, in your residence jurisdiction. You can explain to the police that the insurance company has advised you to file the report. The police may send you a form to complete or make take the report over the phone. Either way you will then have a police report number to give the insurance company. The fact that you didn’t file a report earlier should not affect the insurance claim. Since you originally did not know where the incident happened, it was not a wrong decision not to file the report. The insurance company should proceed in handling the claim as a hit and run and work out a settlement with you, less the deductible you have on your car.
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