I had Progressive Insurance a few years ago. When my 190-E was hit while I was in a gym working out, they were very helpful in processing my claim to have the body work done.... until I decided I wanted the work done at a quality shop rather than a body shop on Progressive's list of approved (cheap) shops. It took them three weeks to "approve" my chosen shop before the work could begin. Luckily I had another Benz in my arsenal to drive in the meantime. Now I'm with Geico and they're much less expensive.

Regarding your accident, I do know that in the Commonwealth of VA, if the accident doesn't appear to have damage over a certain amount (I think $2,000), there is no police report done. You're on your own.

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Current:
2014 VW Tiguan SEL 4Motion 43,000 miles.

2016 Hyundai Santa Fe Sport (wife's).

Past:
2006 Jetta TDI 135,970 miles. Sold Nov. '13.
1995 E-320 Special Edition. 220,200 miles. Sold Sept. '07.
1987 190-E 16 valve. 153,000 miles. Sold Feb. '06.
1980 300-D 225,000 miles. Donated to the National Kidney Foundation.
1980 240-D manual, 297,500 miles. Totaled by inattentive driver.