Progressive Insurance Claims in California

How to File a Progressive Insurance Claim

Filing a Progressive claim in California is simple and convenient:

• Online: Log in to your account at Progressive.com

• Mobile App: Use the app to upload photos and track your claim

• Phone: Call 1-800-776-4737 (24/7 service)

• Local Insurance Agent: A California-based agent can help guide you step-by-step

Many Californians prefer digital filing for convenience, but if you live in areas like San Diego, Sacramento, or Fresno, a local agent can provide extra support tailored to your community.

Progressive Claims Contact Information

Need help with your claim? Use these contact options:

• General Claims Line: 1-800-776-4737

• Roadside Assistance: 1-800-776-2778

• Glass Repairs: Same main number; select the glass option

• Find an Agent in California: Use Progressive’s Agent Locator

Types of Claims You Can File with Progressive

Progressive supports a wide range of insurance claims in California:

• Auto accidents (liability, collision, comprehensive)

• Glass & windshield damage

• Homeowners and renters claims

• Motorcycle, RV, and boat claims

• Wildfire, earthquake, and storm-related damage

• Vandalism and theft

Given California’s susceptibility to wildfires and flooding, many claims here involve comprehensive coverage—a must-have for protection beyond collisions.

Timeline: How Long Do Progressive Claims Take?

Here’s an average timeline for claims in California:

• Initial filing: Immediate or within 24 hours

• Inspection and estimate: 1–3 business days

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

• Payout or settlement: 7–14 days for most claims

Using a Progressive-approved body shop in California often speeds up the process, thanks to direct communication and guaranteed repairs.

Progressive Insurance Claims Process

If you’re filing a claim in California, here’s what to expect:

Report the incident (online, app, phone, or agent)

Upload photos or schedule an in-person inspection

Get an estimate from a Progressive adjuster or approved repair shop

Choose a repair shop (DRP options available across CA)

Repairs and/or rental car arranged

Receive your payment or claim resolution

Progressive also offers Concierge Claims Service in certain cities like Los Angeles and San Jose, handling the process start to finish.

Local Repair Shops and Body Shops Approved by Progressive

Progressive partners with certified repair shops throughout California, including:

• Service King – Greater Los Angeles & Inland Empire

• Caliber Collision – Sacramento, Bay Area, San Diego

• Fix Auto USA – Anaheim, Pasadena, and more

• Maaco – Available statewide

These shops are part of Progressive’s Direct Repair Program (DRP) and often provide lifetime guarantees on their work.

You can search Progressive’s full network of local shops here.

What to Expect from a Progressive Claims Adjuster

In California, your Progressive adjuster will:

• Inspect damage in person or virtually

• Evaluate your coverage and liability

• Coordinate with your repair shop

• Provide a detailed explanation of repair costs and payout

• Help answer questions throughout the claims process

Expect a virtual estimate first (especially for minor damages), with follow-up inspections for complex claims or total loss cases.

Common Reasons Progressive Claims Get Denied

While most California claims go smoothly, they can be denied for the following reasons:

• Unlisted or excluded driver involved

• No active coverage at the time of the incident

• Delays in reporting the claim

• Insufficient or inaccurate documentation

• Damage not covered under your policy (e.g., no comp coverage)

A local California agent can help you dispute or clarify any claim issues.

Customer Reviews of Progressive’s Claims

Californians report a range of experiences with Progressive:

✅ Positive Feedback:

• Easy photo upload and app-based claims

• Friendly claims agents

• Good rental car support

⚠️ Negative Feedback:

• Delays during wildfire season

• Disputes over repair or total loss value

• High rates after claims (especially in high-risk zip codes)

Always check Google and Yelp reviews from your local area to get the most accurate picture.

State Laws That May Impact Your Claim

California has unique laws that affect your Progressive claim:

• Pure Comparative Negligence: Even if you’re partially at fault, you can still recover damages (reduced by your fault percentage).

• Uninsured Motorist Coverage: Strongly recommended due to high uninsured rates in California.

• Right to Repair Shop: California law lets you choose any repair shop, regardless of DRP affiliation.

• Wildfire Protection: Insurers must cover certain fire-related losses if the policy includes fire or homeowners coverage.

Understanding these laws helps ensure your claim isn’t unfairly denied or underpaid.

How a Local Insurance Agent Can Help With Your Claim

A California-based Progressive insurance agent can assist you with:

• Explaining local laws and coverage options

• Helping gather documents and evidence

• Contacting Progressive on your behalf

• Reviewing your repair or total loss estimate

• Comparing Progressive with other carriers if your rate increases

Need Help Filing a Progressive Claim in California?
Blake Insurance Group helps California residents navigate the Progressive claims process with confidence. Whether you’re in the Bay Area, Orange County, or the Central Valley, we’re here to support you from start to finish.