Progressive Insurance Claims in North Carolina

How to File a Progressive Insurance Claim

Progressive makes it easy for North Carolina policyholders to file claims quickly and securely. You can:

• File online at Progressive.com

• Use the Progressive Mobile App for faster photo upload and tracking

• Call Claims Support at 1-800-776-4737

• Work with a Local Agent in cities like Raleigh, Durham, Asheville, or Fayetteville

Tip: Submitting photos of the damage through the app or website can help speed up the inspection process—especially after a weather-related incident.

Progressive Claims Contact Information

If you’re a North Carolina policyholder, use the following channels to manage your claim:

• Claims Phone Line: 1-800-776-4737 (available 24/7)

• Glass Repairs: Call the same number and follow the glass claims prompts

• Roadside Assistance: 1-800-776-2778

• Agent Assistance: Use Progressive’s Agent Locator to find someone local to help

Types of Claims You Can File with Progressive

Progressive covers a wide range of claims in North Carolina, including:

• Auto accidents – collision and liability

• Comprehensive claims – flood, hail, wind, theft, or fire

• Motorcycle, RV, and boat claims

• Homeowners and renters insurance

• Windshield and glass-only repairs

• Hurricane, tropical storm, or fallen tree damage

North Carolina’s mix of mountain terrain, rural roads, and coastal storm zones makes comprehensive auto and home coverage especially important.

Timeline: How Long Do Progressive Claims Take?

Here’s a general breakdown of how long a typical claim may take in North Carolina:

• Claim report: Immediate or same day

• Damage inspection: 1–3 business days

• Repair shop scheduling: 2–5 business days (depending on shop availability)

• Settlement and payout: Usually within 7–14 days

If you choose a Progressive-approved repair shop, the process may move faster due to pre-approved pricing and communication.

Progressive Insurance Claims Process

The Progressive claims process in North Carolina follows these steps:

File your claim online, via app, or with your local agent

Submit documentation like photos, repair estimates, or police reports

Get a damage assessment – virtually or in person

Select a repair shop (your choice or one from Progressive’s DRP)

Receive approval and payment

Complete repairs and close your claim

In high-traffic areas like Charlotte or Winston-Salem, Progressive’s Concierge Claims Service may be available to handle everything from start to finish.

Local Repair Shops and Body Shops Approved by Progressive

Progressive works with a network of Direct Repair Program (DRP) partners throughout North Carolina. Examples include:

• Caliber Collision – Charlotte, Greensboro, and Cary

• Gerber Collision & Glass – Raleigh, Asheville, and Winston-Salem

• Maaco Auto Body – Available in many metro and rural areas

These DRP shops often offer lifetime guarantees on their repair work and help streamline communication with Progressive.

What to Expect from a Progressive Claims Adjuster

In North Carolina, a Progressive claims adjuster will:

• Review your damages via photos or in-person

• Verify coverage and deductible terms

• Coordinate with the repair facility

• Help determine fault (if applicable)

• Finalize and issue your settlement

Some claims (especially minor fender benders or windshield repairs) may be handled completely virtually.

Common Reasons Progressive Claims Get Denied

Progressive may deny your claim in North Carolina for several reasons:

• Lapsed coverage or unpaid premium

• Unlisted or excluded driver involved in the accident

• Late claim filing beyond policy guidelines

• Insufficient documentation or misreported details

• No coverage for specific damage type (e.g., flood damage without comprehensive)

A local agent can help you review your denial and guide you through a potential appeal or clarification.

Customer Reviews of Progressive’s Claims

Here’s what North Carolina customers typically say:

✅ Positive Feedback:

• Easy-to-use mobile claims process

• Responsive local agents and DRP repair shops

• Fast payouts for minor repairs

⚠️ Negative Feedback:

• Slower response after widespread storm damage

• Disagreements over total loss valuation

• Rate increases following a claim

Look for reviews on Google, BBB, or Yelp specific to your city for better insight.

State Laws That May Impact Your Claim

North Carolina has several key laws that affect insurance claims:

• Contributory Negligence Rule: If you’re even 1% at fault, you may be barred from recovery in a liability claim.

• Right to Choose a Repair Shop: You don’t have to use Progressive’s recommended shop—this is protected by NC law.

• Hurricane Deductibles: For homeowners, special windstorm deductibles may apply.

• PIP Coverage: North Carolina doesn’t have mandatory personal injury protection (PIP), so medical bills go through MedPay or health insurance.

Understanding these rules can help you avoid claim issues or denials.

How a Local Insurance Agent Can Help With Your Claim

Working with a North Carolina-based Progressive agent can:

• Help file and track your claim

• Explain complex state-specific insurance laws

• Recommend trusted local repair shops or contractors

• Assist with appeals or claim disputes

• Shop other carriers if your rates increase post-claim

Need Help with a Progressive Claim in North Carolina?

Blake Insurance Group supports residents throughout the state—whether you’re navigating a hurricane claim in Wilmington or a fender bender in Raleigh. Reach out today for local guidance, fast service, and reliable results.