Tips for Making Progressive Insurance Claims – Auto

Progressive Corporation was founded in 1937 as Progressive Insurance Company in Mayfield Village, Ohio. Early on the company was build on insuring higher risk drivers. Today, Progressive is one of the largest auto insurers in America with over 13 million auto policies issued. Additionally, they offer numerous other types of personal line insurance. In Texas, the are currently the second largest insurer based upon market share–second only to State Farm. So when you fight Progressive auto insurance, you are dealing with a big company.

Progressive Insurance Claims Customer Assistance

Progressive insurance claims to be a customer-friendly insurance company that offers comparison of rates to other companies as well as 24/7 claims reporting.  However, one should not forget that when you are reporting a claim against another person’s insurance company, regardless of the company, the adjuster is not there to serve you.  Insurance adjusters are there to save their employer money not help you maximize your recovery. Progressive insurance does offer the opportunity to compare their rates to other insurance companies rates–which is a rarely offered type of customer assistance.

What You Must Prove in Your Progressive Insurance Claim

In order to get reimbursed by an insurance company for your accident, you will need to establish a number of things such as:

  • the fair market value of the vehicle damages
  • the reasonable and customary charges for any medical services you were rendered
  • time lost from work, rate of pay and medical documentation for the need to be off work
  • costs of any future anticipated procedures that you can prove are medically necessary

While some of these items can be easily ascertained, others may require the retaining of an expert and/or significant legwork.  The adjuster will want to see strict documentation in order to pay your Progressive Insurance claim.

Proving Your Pain and Suffering

There is no such thing as a pain and suffering calculator that can tell you what your pain was worth. Pain is personal. However, it is never going to be as personal to an adjuster as it is to you.  Without substantial documentation of your suffering, you may have difficulty getting an insurance adjuster to offer you what you think is fair for your pain and suffering.  Sometimes this can only be accomplished by filing a lawsuit and showing the adjuster you are serious.

After you File a Lawsuit Against Progressive Auto Insurance

Progressive Auto Insurance uses captive law firms of in house attorneys to defend much of their litigation.  That means the lawyers are salaried employees of Progressive Auto Insurance and, thus, are not billing the company hourly for their services.  This cuts down on defense costs substantially for an insurance company and gives them the flexibility to fight more Progressive Insurance claims in litigation.  As a result of this set up, it is not uncommon that we find the need to file a lawsuit to seek a better settlement offer from an adjuster.

Should I Sign A Release?

Beware that anytime you file an insurance claim, any insurance company will want you to sign a release of their insured in exchange for payment. They often have separate releases for the property damages vs the bodily injury claim.  Read those releases carefully before you even consider signing. Once you sign, if there is an unpaid lien you did not know to account for, the money likely will come out of your settlement.  You should have a lawyer review any release or other legal document you intend to sign. Fore more information, see the video below.

Free Consultation

If you are struggling with filing a Progressive insurance claim and would like to have someone who handles Progressive claims regularly in Texas fighting on your side, call us. We offer a free, no obligation consultation. If we take your case, we charge no fees or expenses unless we make a recovery for you. 800-298-0111.

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Author

Paul Cannon

Paul Cannon has practiced personal injury trial law since 1995. He is Board Certified in Personal Injury Trial Law (2005). He has earned recognition as a Super Lawyer by Thompson Reuters in 2017 & 2018, and as a Top 100 Trial Lawyer by the National Trial Lawyers Association in 2017. He is a Shareholder, trial lawyer and online marketing manager at Simmons and Fletcher, P.C. His legal writings have been published by the Texas Bar Journal, Business.com, Lawyer.com HG Legal Resources, Lawfirms.com, and others. He has been asked to give education talks and media interviews on dog bite law.