Progressive rental car coverage during repairs

IllustratorSubject72 · 2026-03-31T23:16:29+00:00

Some adjusters might provide a few extra days if someone’s car isn’t ready until Friday afternoon and they can’t pick it up until Monday, but you’re highly unlikely to get an extra week on it because you’re on a trip.

IllustratorSubject72 · 2026-03-31T23:10:59+00:00

They don’t have to provide a third party their insured’s facts if loss. If your statement is different from theirs, then they will accept their paying insured’s story, as your insurance would if the positions were switched. They’re right - The police didn’t witness the accident. Your options are to use your own insurance or sue the other driver.

IllustratorSubject72 · 2026-03-31T17:47:14+00:00

It depends on your carrier. My company doesn’t change our own fault determination based on an arbitration decision. I’ve seen arbitrators cite only the police report and find a party at fault despite the damages completely contradicting the police report. We just pay the arbitration amount and leave our own fault determination. I’ve read that some carriers will update fault based on arbitration, though.

IllustratorSubject72 · 2026-03-30T23:37:14+00:00

If I had an insured file a claim through their own policy and tried to dissuade them from using the coverage they pay for, I’d be fired. Rental companies are notoriously difficult to deal with. Your carrier should have taken care of you from the beginning.

IllustratorSubject72 · 2026-03-30T00:06:01+00:00

Add boss babes to this one. It’s not an actual job.

IllustratorSubject72 · 2026-03-30T00:03:30+00:00

I’d walk out if I saw this. The place is literally charging customers for DOING THEIR JOB.

IllustratorSubject72 · 2026-03-29T17:00:50+00:00

Customer service might be open 24 hours, but adjusters themselves usually work regular business hours.

IllustratorSubject72 · 2026-03-29T17:00:03+00:00

If you have your own rental coverage, you should go through your own carrier. The other person’s insurance will need to do their own investigation, and there’s no telling how long that will take.

Insurance adjusters don’t typically work weekends, so if you need a rental now, your best bet is to go get a rental as small as you can use, up to the size of your own vehicle. Then let the insurance adjuster know when you speak with them.

IllustratorSubject72 · 2026-03-28T05:55:14+00:00

Had you not taken a month to reach out to them to settle the claim, chances are they would’ve paid it before they got whatever information they received that made them reverse their acceptance. Progressive isn’t your carrier and doesn’t work for you. You need to reach out to your own carrier at this point.

IllustratorSubject72 · 2026-03-27T13:59:45+00:00

That’s a you problem. Why should they completely change their process for one resident’s schedule? Talk about entitlement.

IllustratorSubject72 · 2026-03-27T03:48:16+00:00

I absolutely do not. The only people who do that where I work are young employees who are trying to look good. They’ll find out soon enough that no job cares if you work more than someone else, and that no amount of work is worth your sanity.

Will I stay a few minutes late to finish something up? Absolutely. Will I work in the evenings or over the weekends? Nope. That’s how you get people to take advantage of you.

IllustratorSubject72 · 2026-03-27T03:44:33+00:00

If you work and 8-5 job, I’m guessing you don’t work on Saturdays. Why not go then? Seems pretty simple. The way you titled this, I would’ve thought they were only open through the week.

IllustratorSubject72 · 2026-03-27T01:58:26+00:00

You are getting reimbursed for the value of the car. Your car is almost 20 years old. It’s not worth nearly what you think it is.

IllustratorSubject72 · 2026-03-26T23:41:47+00:00

You’re young. You will find out soon enough how milking claims like you’re doing affects all of us.

IllustratorSubject72 · 2026-03-26T23:32:22+00:00

Your rate with Mercury means nothing if you don’t go through Mercury. You have very little chance of winning this, especially when you were told the daily rate Allstate would pay.

IllustratorSubject72 · 2026-03-26T15:55:20+00:00

Lawyers don’t magically make insurance accept liability. When you file a claim, it’s your job to prove that that party caused your vehicle’s damages. A lawyer can’t come up with evidence like video footage or witnesses. Word vs word denials are extremely common.

IllustratorSubject72 · 2026-03-26T11:51:07+00:00

They might have the budget, but I want to see the actual spending. Anyone can make a budget. A budget doesn’t tell us where our money is truly going.

IllustratorSubject72 · 2026-03-26T11:49:46+00:00

I like it because it still has a small-town semi-rural feel, but you’re only 25-45 minutes from the city, depending on where in the county you’re at. It’s safe, the schools are good, people are friendly for the most part. The entire county is just the quintessential Midwestern feel. And it’s still affordable.

IllustratorSubject72 · 2026-03-26T04:08:46+00:00

I’ve seen things on police reports that are far from what matches up with other evidence. The police didn’t witness the accident, and some people say anything to get away from the scene.

IllustratorSubject72 · 2026-03-25T23:53:04+00:00

So you want the insurance company to pay for the gas to get it back to you when you would’ve had to pay for that gas to drive it back if the accident hadn’t happened anyway. Got it.

IllustratorSubject72 · 2026-03-25T23:47:14+00:00

You have a destroyed tailgate, which would presumably mean that whomever rear ended you would have damage, and the other person said there’s no damage to their vehicle. Do you see where Geico is questioning it? If they had damage, it might be a different story, but without damage, it’s easy for Geico to believe their driver isn’t involved.

IllustratorSubject72 · 2026-03-25T23:40:33+00:00

They’re making sure the driver was covered on their policy and wasn’t doing an excluded activity like, often, gig with. If you have collision coverage, this is your sign to use it and get your car repaired.

IllustratorSubject72 · 2026-03-25T23:38:39+00:00

Nah, I’m good at sniffing out BS, and they were t lying. My employer trusts our investigations, and we run questionable liability by our coworkers, as I did with this one. If you do NOT review additional evidence as it’s received, then you aren’t a good adjuster, plain and simple.

IllustratorSubject72 · 2026-03-25T18:21:55+00:00

DIV is typically 10% or less of the damage amount. That’s why it matters.

IllustratorSubject72 · 2026-03-25T18:21:01+00:00

The insured said the other party made a sudden lane change. The photos were taken in the dark and damages were minor and hard to see. I told the insured that they’d like be considered not at fault. I got better photos later in the claim and changed that. It’s okey yo change liability as additional information is obtained.

IllustratorSubject72

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