Is this Claim Going to Effect my Loss Ratio?

A Progressive driver runs a stop sign and hits my Progressive driver, my driver calls in the claim, Enterprise brings her a rental car. No big deal.

A few days later she hands the keys to the rental over to some random neighbor of hers. He runs a light and hits an Avis rental car, the driver of that car was already involved in a previous accident that is why he had a rental.

Now I have 2 rental cars that had to be towed from the scene and one guy with minor injuries/bumps bruises that sort of thing.

Claims hasn't figured out who is paying for what yet.

I feel that if idiot numbe
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