Progressive Insurance Claims: How to Get a Rental Car Fast

Navigating the aftermath of a car accident is stressful enough without worrying about transportation. Whether you’re dealing with a fender bender or a major collision, getting back on the road quickly is a top priority. Progressive Insurance understands this urgency and offers rental car coverage to help policyholders stay mobile while their vehicle is being repaired. But how do you secure a rental car fast? Here’s everything you need to know.

Understanding Progressive’s Rental Car Coverage

Before diving into the process, it’s essential to know whether your Progressive policy includes rental reimbursement. This optional add-on covers the cost of a rental vehicle while your car is in the shop. If you’re unsure, check your policy details or call Progressive’s claims department.

Types of Rental Coverage

Progressive offers two primary options:
1. Rental Reimbursement: Covers a daily allowance (e.g., $30–$50 per day) for a rental car.
2. Loaner Coverage: Provides a loaner vehicle directly from a repair shop or dealership.

If you don’t have rental coverage, you may still qualify for a rental car if the accident was another driver’s fault (more on this later).

Steps to Get a Rental Car Quickly After a Claim

1. File Your Claim Immediately

Time is of the essence. The sooner you report the accident to Progressive, the faster they can process your claim. Use the Progressive app, website, or call 1-800-PROGRESSIVE to start the process.

2. Confirm Rental Coverage Eligibility

Once your claim is filed, ask the claims adjuster:
- Does my policy include rental reimbursement?
- What’s my daily allowance?
- Are there any restrictions (e.g., vehicle type, rental duration)?

3. Choose a Preferred Rental Provider

Progressive partners with major rental companies like Enterprise, Hertz, and National. Using these providers can streamline the process, as they often have direct billing arrangements with Progressive.

4. Pick Up Your Rental Car

Head to the rental location with:
- Your driver’s license
- A credit card (for the security deposit)
- Your claim number

If your car is undriveable, Progressive may arrange for the rental company to pick you up.

What If the Accident Wasn’t Your Fault?

In no-fault states or if another driver is clearly liable, you may be able to get a rental car through the at-fault driver’s insurance. Progressive can help coordinate this, but you might need to pay upfront and seek reimbursement later.

Dealing with Delays

Supply chain issues and labor shortages (a lingering effect of the pandemic) can slow down repairs. If your rental allowance runs out, discuss extensions with your adjuster.

Pro Tips for a Smooth Rental Experience

• Book Early: Rental car shortages are still a problem in some areas. Reserve your vehicle as soon as possible.
• Check for Discounts: Progressive’s partners may offer exclusive rates.
• Keep Receipts: If you pay out of pocket, save all documentation for reimbursement.

By following these steps, you can minimize downtime and get back on the road with minimal hassle.