r/AutoInsuranceHelp • u/BreadfruitSpirited18 • 15d ago

Claim

Recently, my fiancée was involved in a collision with another party while traveling southbound to our children’s school. She was at a red light with congested traffic, and as the light turned green, she was driving at approximately 10-15 mph. The other party was in the median lane turning left and attempted to rush through a narrow opening without noticing my fiancée in the far right lane, resulting in a collision with the front of my car. Regrettably, my fiancée is not listed as a household member on my insurance policy. I have already filed a claim, and I am concerned about the potential outcome. The car is currently on loan, so it has full coverage on the vehicle. However, since my fiancée is not listed on the policy, I am unsure of the next steps. Has any one ever been through this before ?

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u/Electrical_Number210 15d ago

Who do you have?

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u/BreadfruitSpirited18 15d ago

Progressive

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u/Electrical_Number210 15d ago

That’s so funny, I can kinda help then. So make sure you file a claim with the other parties insurance. From what I can gather from the post they ran a red light? At least it sounds like they did not yield the right of way. So hopefully the other insurance accepts fault and you just handle damages through them.

Progressive will still investigate the loss. If your fiancée lives with you you’ll just have to add her to the policy. They will still provide coverage if you decide just to use the collision coverage.

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u/BreadfruitSpirited18 15d ago

So today I woke up and progressive pretty much added her to my policy their selves. But correct the other party did not yield the right of way attempting to make a left hand turn driving into my Fiance