Progressive Insurance Claims in South Dakota

How to File a Progressive Insurance Claim

Progressive makes it easy to start your claim in South Dakota through several convenient options:

• Online: Visit Progressive.com

• Mobile App: Upload photos, track progress, and message support

• By Phone: Call 1-800-776-4737, available 24/7

• Through a Local Agent: Work with a Progressive agent in Sioux Falls, Rapid City, or anywhere across the state

🕒 Tip: Using the app can help speed up the process—especially for glass-only or minor collision claims.

Progressive Claims Contact Information

Here’s how to reach Progressive for help in South Dakota:

• 24/7 Claims Hotline: 1-800-776-4737

• Roadside Assistance: 1-800-776-2778

• Glass Repairs: Call the claims line and follow the prompts

• Find a Local Agent: Use Progressive’s Agent Locator Tool

Types of Claims You Can File with Progressive

Progressive supports a wide range of claims in South Dakota, including:

• Auto accident claims (liability, collision, uninsured motorist)

• Windshield and glass-only claims (common on rural highways)

• Comprehensive claims (hail, deer, theft, fire, vandalism)

• Motorcycle, RV, and boat insurance claims

• Homeowners and renters claims

• Storm and weather-related property claims

💡 Important: South Dakota’s exposure to snow, ice, and hail makes comprehensive coverage particularly important.

Timeline: How Long Do Progressive Claims Take?

Here’s a general timeline for Progressive claims in South Dakota:

• Filing the claim: Instant via app, online, or phone

• Inspection & estimate: Usually within 1–3 business days

• Repair scheduling: 2–5 business days depending on location/shop

• Claim resolution: Typically 7–14 business days

Some hail or severe storm claims may take longer, especially in peak seasons.

Progressive Insurance Claims Process

Progressive’s claim process is designed to be smooth and transparent:

Report the claim using the app, online, or by phone

Upload damage photos or schedule an inspection

Receive an estimate from Progressive or your chosen shop

Approve and schedule repairs or accept a settlement

Progressive finalizes and closes the claim

In some South Dakota areas, Progressive’s Concierge Claims Service may be available to simplify the entire process.

Local Repair Shops and Body Shops Approved by Progressive

Progressive’s Direct Repair Program (DRP) includes trusted body shops throughout South Dakota that meet the company’s service and quality standards:

• Abra Auto Body – Sioux Falls, Brookings, Mitchell

• Caliber Collision – Rapid City, Sioux Falls

• Gerber Collision & Glass – Watertown, Spearfish

• Independent DRP shops across the state

✅ DRP shops often offer lifetime guarantees and handle the paperwork directly with Progressive.

What to Expect from a Progressive Claims Adjuster

Progressive adjusters in South Dakota are trained to:

• Review your policy and deductibles

• Inspect the damage in person or virtually

• Determine who’s at fault (if applicable)

• Communicate with your chosen shop

• Finalize repairs or payout recommendations

🔍 Minor claims may be handled entirely through the app, without a physical visit.

Common Reasons Progressive Claims Get Denied

Even with valid coverage, some claims may be denied due to:

• Inactive or lapsed policy at the time of the incident

• Unlisted or excluded driver involved in the claim

• Delayed claim filing beyond acceptable time limits

• Insufficient documentation or photos

• Lack of appropriate coverage (e.g., flood damage without comprehensive)

A local agent can help you understand the reason for a denial and assist with appeals.

Customer Reviews of Progressive’s Claims

South Dakota customers often report:

✅ Positive Experiences:

• Easy app-based filing

• Fast response for windshield and minor auto claims

• Good communication from local adjusters

⚠️ Common Complaints:

• Delays during hail season

• Disputes over vehicle valuations after total loss

• Rate increases after filing a claim

Reading reviews by city (e.g., Sioux Falls, Rapid City) provides helpful insight.

State Laws That May Impact Your Claim

South Dakota laws can influence how Progressive handles your claim:

• Modified Comparative Negligence Rule: You must be less than 50% at fault to recover damages

• Right to Choose Repair Shop: You can use any licensed body shop—not just DRP partners

• No State-Mandated Glass Deductible Waiver: You’ll need to carry full glass coverage for zero out-of-pocket

• Statute of Limitations: You generally have 3 years to file for personal injury and 6 years for property damage

Understanding these laws helps protect your rights throughout the process.

How a Local Insurance Agent Can Help With Your Claim

A South Dakota-based Progressive agent can assist you by:

• Helping file and track your claim

• Clarifying your policy terms and coverages

• Coordinating with trusted repair facilities

• Assisting with denied claims or slow responses

• Exploring policy changes post-claim to save money

Need Help With a Progressive Claim in South Dakota?
Blake Insurance Group supports clients across Sioux Falls, Rapid City, Aberdeen, and beyond. From filing to final payout, we help you navigate Progressive’s process with confidence. Contact us today for local support that puts your needs first.