Worried about getting dropped by Progressive… anyone know?

Last year in March, a deer ran into my car on the highway, causing expensive damage to the driver’s side and hood.

Then, 6 months later, someone rear-ended me around a corner. After that, I switched from Allstate to Progressive because Allstate kept raising my rates even though I wasn’t at fault. Progressive offered the same coverage for half the price.

Yesterday, while I was working, someone in my building hit my car. They left a note and called the police, but no report was filed since it happened on private property. I confirmed with the officer that they were contacted, and I plan to follow up for a report. The person who hit me has Allstate and said they’d either pay out of pocket or go through their insurance.

If I go through her insurance, is there a chance Progressive will drop me? Or does it matter more that this is the third claim since March 2023, even though none of them were my fault? I have a clean record, no tickets, and no accidents caused by me. Feels unfair to have to stress about this when it’s out of my control. By the way, I’m in Atlanta, if that makes a difference.

If you file through her insurance, it shouldn’t affect your policy.

Claims through her insurance won’t show up under your policy. You should be fine.

She admitted fault and left a note. Make sure you send her admission to Allstate and let them handle it. Progressive doesn’t need to be involved unless her insurance refuses to cover it, which seems unlikely. And wow, you might want to carry some lucky charms with you; your luck with cars has been rough.

Just let her insurance handle it. The deer collision shouldn’t affect your rates, and rear-end accidents typically don’t either.

I got an estimate from a body shop, and it looks like it’ll cost around $1,500 to fix, assuming there’s no hidden damage. I’d also need a rental for at least five days.

Oak said:
I got an estimate from a body shop, and it looks like it’ll cost around $1,500 to fix, assuming there’s no hidden damage. I’d also need a rental for at least five days.

For that amount, I’d let her pay out of pocket if she’s willing. She’s been honest so far, and it could save everyone some hassle.

@Blayne
Yeah, I agree. Since she works in your building, she’s easy to contact if needed. Just make sure to get her agreement to pay in writing, confirming that she’s taking responsibility. If things start dragging out, though, you can still file with her insurance.

@Dani
I talked to her, and she agreed to pay out of pocket. It’s $1,500 minimum, so not a small thing, but she says she can handle it, so we’re going that route.

Oak said:
@Dani
I talked to her, and she agreed to pay out of pocket. It’s $1,500 minimum, so not a small thing, but she says she can handle it, so we’re going that route.

$1,500 feels small compared to most car accident repair costs, but it’s great that she’s willing to take care of it without involving insurance.

Oak said:
I got an estimate from a body shop, and it looks like it’ll cost around $1,500 to fix, assuming there’s no hidden damage. I’d also need a rental for at least five days.

Honestly, I’d just have her file the claim through her insurance. It’s simpler that way.

If her insurance handles it, she’s the one at risk of being dropped; not you.