If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured, or their designated beneficiary or assignee. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. Yet, Progressive is the country’s largest writer of private passenger auto insurance through the independent agent distribution channel.

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