At Progressive, claims reps perform their inspections right after an accident, instead of waiting several days to visit customers. Eliminating delays generates substantial cost savings. The sooner a Progressive rep meets with an injured party, the more likely that party is to negotiate a settlement. If your insurance company moves slowly, you get furious. You're probably going to run out and get a lawyer.
Speed improves accuracy.
Claims reps who see vehicles immediately can assess the damage firsthand. Which means that Progressive is less likely to be victimized by a body shop trying to pad its bill, or by a customer trying to fake an injury. Speed lowers prices. If a company spends less money settling claims, it can charge lower prices for its premiums. That's a huge benefit for a company that has built its business around insuring risky drivers, who are charged more for coverage.