Protective Insurance Company Claims After a Truck Crash

Protective Insurance Company is a Carmel, Indiana insurer for trucking and logistics fleets that Progressive bought in 2021 (Progressive); it now operates as Progressive Fleet and Specialty Programs. If one of its insured trucks hit you, report the vehicle claim at 1-800-626-8381, which takes claims 24/7 (Protective). Beverly Law does not work for or with Protective or Progressive.

Who is Protective Insurance?

Progressive’s release on the deal says Protective, based in Carmel, Indiana, has subsidiaries named Protective Insurance Company, Sagamore Insurance Company and Protective Specialty Insurance Company, sells insurance to transportation and logistics companies, and has been part of the transportation insurance community since 1930. The acquisition closed on June 1, 2021.

Protective’s contact page lists its headquarters as Progressive Fleet and Specialty Programs at 111 Congressional Boulevard in Carmel, and says “Protective Insurance” is the marketing name for Protective Insurance Company and its affiliates. Its products include fleet trucking, independent contractor coverage and workers’ compensation for transportation businesses.

Which Protective claims number should I call?

Protective’s contact page lists separate lines:

The page also lists 1-800-224-1221 for small fleet trucking underwritten by Sagamore Insurance Company, but as an underwriting line for policy questions, not a claims line. It says its claim reporting center and customer service team answer from 8 a.m. to 5 p.m. Eastern time, and that claims can be reported 24/7 at 1-800-626-8381. Protective’s claims page also offers online vehicle claim reporting (Protective claims).

What should I have ready?

• The motor carrier’s name and USDOT number from SAFER.
• The truck and trailer numbers, if you saw them.
• The police report number, date and place.
• Your own insurer and claim number, if you already reported to it.

Ask who the assigned adjuster is, whether a separate person handles injury claims, and get both names and claim numbers in writing. If your own insurer is paying for your car, tell it about the Protective claim number so the two companies can sort out repayment between themselves.

What happens with a large fleet claim?

Fleet carriers may have safety departments, dash cameras and telematics, and Protective says it focuses on transportation companies. That cuts both ways. Much of the evidence exists, but it is in the carrier’s hands. Federal rules set how long some of it must be kept: the accident register for three years (49 CFR 390.15), driver logs for six months (49 CFR 395.8), and maintenance records for one year, and for six months after the truck leaves the carrier’s control (49 CFR 396.3). Post-crash alcohol and drug testing is generally required after a fatal crash, or after one where the driver is cited and someone needs treatment away from the scene or a vehicle is towed (49 CFR 382.303). Send a written request early asking the carrier and Protective to keep all of it, including camera footage.

Coverage for most interstate for-hire freight trucks of 10,001 pounds or more starts at $750,000 (49 CFR 387.9). A large fleet may carry more, sometimes with a deductible the carrier pays itself. Ask for every policy and limit in writing.

I drive for a fleet and was hurt. What applies to me?

Protective lists a separate line for work accident claims and another for workers’ compensation. If you were injured on the job and another vehicle caused the crash, you may also have a claim against that other driver. In Texas, an injured employee may seek damages from a liable third party while also pursuing comp benefits (Tex. Labor Code 417.001). Owner-operators should read their occupational accident policy closely, because its benefits and deadlines are set by the contract.

What claim rules apply in California, Texas and Washington?

California’s fair claims rules protect third-party claimants (10 CCR 2695.2), and insurers generally must accept or deny within 40 calendar days of proof of claim or explain in writing every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). The Texas Department of Insurance suggests getting any denial in writing (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.

What to do now

1. Get medical care and keep every record.
2. Note the carrier name, USDOT number and truck number.
3. Report the vehicle claim at 1-800-626-8381.
4. Ask for an injury adjuster and the claim number in writing.
5. Send a preservation letter for logs, telematics and video.
6. Request every policy and limit that applies.
7. Talk to a lawyer before giving a recorded statement.

Talk to Beverly Law about a Protective claim

For a free case review in English or Spanish, call (310) 552-6959. You owe no fees or costs unless we win. Other carriers are covered in our truck insurance claims guides.

Common questions

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Important: This page is general information, not legal advice, and reading it does not create an attorney-client relationship with Beverly Law. Laws change and every case is different; talk to a lawyer about your own situation. Attorney advertising. Prior results do not guarantee a similar outcome. You owe no fees or costs unless we win. Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou. Last reviewed: 2026-11-12.