Progressive Insurance Claims in Virginia

How to File a Progressive Insurance Claim

Progressive offers multiple ways for Virginia policyholders to file a claim:

• Online at Progressive.com

• Through the Progressive Mobile App

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

• With a Local Progressive Agent located in Richmond, Norfolk, Arlington, or surrounding communities

Using the app or online filing can speed up the process, especially when uploading photos or documents.

Progressive Claims Contact Information

To get help with a Progressive claim in Virginia, use the following:

• Claims Line: 1-800-776-4737

• Glass/Windshield Repair: Same number; select the glass repair option

• Roadside Assistance: 1-800-776-2778

• Find a Local Agent: Use Progressive’s Agent Locator Tool for in-person support

Types of Claims You Can File with Progressive

Progressive supports a wide range of claims in Virginia:

• Auto accident claims – collision, liability, and uninsured motorist

• Glass and windshield repair

• Homeowners and renters insurance claims

• Boat, motorcycle, RV, and trailer insurance

• Storm, flood, wind, hail, and hurricane damage

• Theft, vandalism, and fire

Because of the state’s mix of urban congestion and coastal weather events, both collision and comprehensive coverage are essential for Virginia drivers.

Timeline: How Long Do Progressive Claims Take?

Progressive aims to resolve most Virginia claims in 7–14 days, though timelines vary:

• Initial claim report: Immediate via app, online, or phone

• Inspection/estimate: 1–3 business days

• Repair appointment: 2–5 days depending on shop availability

• Settlement or payout: Usually within 2 weeks after review

Using a Progressive-approved repair shop can accelerate this timeline.

Progressive Insurance Claims Process

Here’s what the process typically looks like for Virginia customers:

File your claim (via app, online, phone, or local agent)

Upload documents and photos or schedule an inspection

Review damage and get estimates from Progressive or a DRP shop

Choose your repair shop – either your own or one from Progressive’s network

Adjuster approves repairs or payout

Claim is finalized with repair completion or direct payment

In select cities, Progressive offers Concierge Claims Service, which handles the entire process for you in one stop.

Local Repair Shops and Body Shops Approved by Progressive

Progressive’s Direct Repair Program (DRP) includes body shops across Virginia, such as:

• Caliber Collision – Fairfax, Roanoke, Virginia Beach

• Gerber Collision & Glass – Richmond, Alexandria, Hampton

• Maaco – Locations in Norfolk, Newport News, and more

• Service King – Throughout Northern VA and Central VA

DRP shops provide lifetime repair guarantees and direct communication with Progressive for faster service.

What to Expect from a Progressive Claims Adjuster

Your Progressive claims adjuster in Virginia will:

• Review damage (either virtually or in-person)

• Verify policy coverage, deductibles, and liability

• Coordinate with the repair shop

• Finalize the settlement or payout offer

• Provide updates throughout the process

Minor repairs may only require a virtual inspection, while larger claims or disputed damage may involve an in-person visit.

Common Reasons Progressive Claims Get Denied

Here are the most common reasons claims may be denied in Virginia:

• No active coverage at the time of the incident

• Driver not listed on the policy

• Claim filed too late

• Insufficient documentation (photos, police reports, etc.)

• Type of damage not covered (e.g., flood damage without comprehensive)

Denied claims can often be appealed with help from a local Progressive agent.

Customer Reviews of Progressive’s Claims

Virginia policyholders generally report the following:

✅ Positive Experiences:

• Smooth mobile claims process

• Good customer service and fast payouts for glass or minor damage

• Strong DRP network with reliable repair shops

⚠️ Negative Feedback:

• Slower claims processing during hurricane or storm seasons

• Issues with total-loss valuation

• Premium increases after filing a claim

Check online reviews for your specific area (Google, Yelp, BBB) to see localized feedback.

State Laws That May Impact Your Claim

Virginia laws that affect Progressive claims include:

• Contributory Negligence: If you’re even 1% at fault, you may be barred from recovering damages from the other party’s insurer

• Right to Choose Repair Shop: You have the legal right to use any licensed body shop, regardless of Progressive’s recommendations

• Uninsured Motorist Coverage: Mandatory for Virginia drivers

• Hurricane & Windstorm Deductibles: May apply in some areas, especially coastal Virginia

These laws can impact fault determination and coverage payouts, so it’s important to work with someone familiar with state regulations.

How a Local Insurance Agent Can Help With Your Claim

A Virginia-based insurance agent can help you:

• File and track your Progressive claim

• Explain your rights under state law

• Recommend trusted body shops and contractors

• Assist with appeals or claim denials

• Re-shop your policy if premiums rise post-claim

Need Help Filing a Progressive Claim in Virginia?
Blake Insurance Group works with Virginia drivers and homeowners to simplify the claims process, speed up payouts, and advocate for your rights. Contact us today to get local support and professional guidance.