You will need to file a claim with your auto insurance company after an accident occurs if you want to be fairly compensated for your medical expenses and car repairs. Victims must submit claims with Progressive to be compensated if the at-fault party has Progressive Auto Insurance. Every motorist in California must have at least the minimum level of liability coverage. You can claim on the at-fault driver's Progressive Auto Insurance policy to recover financial compensation for your injuries and property damage.
Among the many auto insurance companies in the United States, Progressive is a major player. Even though automobile insurance is required by law, having coverage gives drivers the confidence that they will be taken care of in the event of an accident. Sadly, it's not always the case.
There are shareholders, bottom lines, and budgets to consider at all insurance companies, including Progressive. They will stop at nothing to reduce settlement claims unfairly. Car insurance coverage is not enough in this scenario; you will also need to know how to submit a claim with Progressive in case of an accident.
Progressive is one of the biggest auto insurers in the country, providing coverage to tens of thousands of drivers. The company's headquarters have been in Mayfield Village, Ohio, since its inception in 1937.
The firm shifted its focus to insuring "risky drivers" in 1956, and as a result, its written premiums increased to $20 billion by 2016. Its current marketing strategy aims to differentiate itself from competitors by offering more of its services online and via mobile devices and by creating a rating system that lets customers easily compare their prices with those of other providers. Nevertheless, progressive is open about the fact that they have the lowest rates all the time. Snapshot is a feature offered by Progressive that lets policyholders record their driving habits with a plug-in device and then submit that data to the insurance provider for review and possible premium reductions. Snapshot customers who drive less often and during safer times of day may see a reduction in their monthly premium payments.
Progressive's financial and legal resources are vast compared to other major insurance providers in the United States like State Farm, GEICO, Allstate, Nationwide, Farmers, and USAA. Nevertheless, it's a significant player, so it's no surprise that it sought to shortchange its clients.
Have a plan after a car accident
Progressive and the other vehicle insurance companies are not on your side. To avoid falling victim to frequent insurance company techniques intended to encourage you to settle for less after a car accident, you must think ahead and take deliberate action. Get your claim off to the best possible start by taking precautions at the accident scene.
- Do not declare you are not hurt until you have seen a doctor or were at fault. Your injuries may not have shown any signs right away. Soreness in the back and neck, for example, may not begin to manifest itself until days after an accident. Never ignore medical needs like these. As soon as possible, schedule an appointment with a medical professional for a thorough diagnostic and treatment assessment. When you doubt the extent of your injuries, it is best to consult an experienced attorney.
- Even if the accident was minor, it is still essential to have the police record as proof.
- Do not delay in reporting the accident to your insurance company.
- If you've been hurt, it's best not to sign anything just yet. Instead, you should only sign paperwork presented to you by the police or other authorized law enforcement personnel.
- If you want to remember the details of the vehicle crash later, write them down immediately. It would be best if you took notes on the time of the accident, the weather, the amount of traffic, any witnesses, and the driver's actions leading up to the crash.
- Don't say anything about what or who you think caused the accident, and keep your opinions about the accident to yourself. Only you and your lawyer should have these discussions.
How to file a car accident claims with Progressive
Like other big insurance firms, Progressive has a car accident claims process. You have several options for filing a claim with Progressive if they are your auto insurance company. If you phoned your insurance agent at the scene of the accident, they probably gave you instructions on how to begin the claims process.
Do not rush into calling Progressive to report a car accident; instead, spend as much time as you need to compile evidence to support your claim. You must file your claim within 72 hours after the accident.
Even if you haven't talked with a representative from Progressive yet, you can still submit a claim by contacting the company through email, phone, mobile app, or website. When you submit a claim online, you have access to real-time information about the status of your claim and the ability to add and review supporting documents whenever you choose. Always have the police report handy before filing a claim.
To submit an insurance claim with Progressive, follow the steps below:
Immediately after the accident, contact your insurance company with information
Insurance companies usually request the following information whether a claim is filed by phone, internet, mobile app, or agent:
- Specifics about the incident, including when and where it occurred.
- A list of names, addresses, phone numbers, and insurance policy numbers of the driver and passengers involved in the accident.
- The condition of the weather
- Pictures of the wrecked car(s)
- Copies of any relevant police or accident reports
Review your policy's coverages and deductible selections
You need to know your coverage details to make reasonable claims. For instance, if you have rental car reimbursement coverage, you may be eligible for a rental car while your vehicle is being repaired. The deductible on your auto insurance policy is the portion of a claim you are responsible for paying out of pocket, while the coverage limits are the maximum amounts your insurer will pay for a certain category. Additionally, loan/lease payment coverage (commonly known as "gap insurance") might cover the difference between what you owe on the car and what it is now worth, according to your policy's limitations.
Work with your insurance adjuster.
An insurance adjuster (or adjusters) will be assigned to your case by your insurance carrier. After filing a claim with your insurer, you can expect to hear back from an adjuster in as little as 1-3 days. When you file a claim, your adjuster will coordinate an inspection, determine the extent of the damage to your car, and handle any claims for personal injury. A claims adjuster may also review incident reports and conduct interviews with any available eyewitnesses. Before giving the go-ahead for the repair shop to start working on your car, your insurance company may need you to get an estimate of the costs. Then, after gathering information from your adjuster and the repair facility, your insurance company will make an evaluation.
Repair or replace your car, if necessary
Your choice of the auto service center is entirely up to you. Following review and approval of your claim, your insurance company will issue a check to you or the repair company, minus any applicable deductible amounts. In addition, insurance companies will pay out the full market value of your car, minus your deductible, to you or your lender if it is damaged beyond repair.
Claims against the at-fault driver's insurance company, Progressive, can be filed either by your insurance company or by you personally. Progressive should cover the cost of your property damage if the accident was not your fault. However, remember that if your claim involves major medical costs, working with Progressive will be considerably more time-consuming and, at times, challenging. You should see a legal professional to ensure you receive fair compensation for your injuries and the related damages. Insurance companies take a financial hit in these situations and will do anything to avoid paying you fairly.
You may be responsible for paying your deductible if you were not at fault but yet filed a claim against your insurance company because you were frustrated with the at-fault insurer. However, your insurer will seek subrogation against the negligent insurer (basically filing a claim on your behalf), and if successful, you will receive a refund of your deductible.
What must I prove in a progressive insurance claim?
You will need to provide evidence of a few things to receive compensation from Progressive following an accident. Those things include:
- The market value of the damaged cars
- The medical bills you incurred
- Time missed at work, salary, and any supporting medical records for the absence from work.
- The expense of any foreseeable future operations you can demonstrate are essential for medical reasons.
How do I prove pain and suffering?
No pain and suffering calculation can tell you how much you were hurt. Everyone experiences pain differently. It may be personal to you, but an adjuster will never understand that. It might be hard to convince an insurance adjuster to pay you a reasonable settlement for your pain and suffering if you don't have sufficient proof of your suffering. Sometimes filing a lawsuit against the insurance company is the only way to get their attention and make them take you seriously.
Progressive's Sneaky Settlement Negotiation Strategies
You shouldn't be shocked if Progressive's first settlement offer on your claim is laughably low when they call you. Progressive relies heavily on this tactic in their negotiations. From their perspective, there is no disadvantage in placing an absurdly low opening offer. After all, some will accept it if there are not represented by an experienced injury lawyer. Signing a settlement means giving up your rights. Do not give in to this ruse. Most individuals are unaware that accepting a settlement entails agreeing to forgo your right to pursue any more compensation for this specific claim. If you receive a settlement and then learn a few weeks or months later that the money wasn't nearly enough to cover your losses, there's little you can do about it. If the settlement amount is insufficient to pay any remaining debts or expenses, you will be responsible for them in full. Simply put, you must ensure that any settlement you accept adequately covers all of your medical expenses and lost wages. An experienced attorney who specializes in personal injury law can help you determine how much your case is worth and fight for every dollar.
Additionally, adjusters from Progressive Insurance are notorious for casting doubt on the extent of your injuries or flat-out lying about them. Insurance adjusters sometimes argue that claimants overstate the severity of their injuries, seek unneeded medical care, and point to pre-existing problems as reasons for high medical bills and treatment. You know how terrible and painful your injuries are, so having others not believe you about them is traumatic and heartbreaking.
When Progressive seeks to minimize the amount it pays on a claim, it is "business as usual" for the insurance company to question the authenticity and extent of the claimant's injuries. At times, Progressive may hire private detectives to follow you and snoop on your social media accounts to disprove your claims of injury. Therefore, when making a claim, it's best to avoid posting anything that might be used as evidence against you on social media. Even though we all try to show the best versions of ourselves online, it's important to remember that even a seemingly innocuous photo of you smiling and standing with friends might be used by Progressive to dispute the extent of your injuries.
These are only a few deceptive strategies that Progressive adjusters use. Unfortunately, if they use such tactics, you might not find out about it until it's too late.
How Can an Attorney Help with a Progressive Insurance Claims?
A policy from one insurance company might be different from that of another. An experienced attorney can help you get the most out of your insurance claim by navigating the nuances of the law and the policy. In addition, having legal representation may ease the burden of gathering evidence, filing a claim with Progressive, and negotiating with the insurance company.
Having to deal with an adversarial attorney slows down the claims-settlement process, which is why insurance companies want to settle quickly. They understand that you'll likely get a better settlement if you have an attorney on your side. An experienced lawyer will help you ensure that you are fully compensated for your injuries and that you don't have to worry about unforeseen future costs.
When filing a claim, you should be careful not to overstate or understate its worth. If you overestimate your medical expenses, your insurance will likely deny your claim. However, if you fail to account for all of your medical expenses, which end up being more than your insurance coverage, your financial situation might worsen.
Hiring a personal injury attorney to file your insurance claim is one of the best decisions you can make following a car accident. Your lawyer will handle negotiating a fair settlement with Progressive Insurance while you focus on getting better. In addition, progressive may be required to compensate you for your losses above what it gave during settlement negotiations if you file a case against the defendant.
To estimate the worth of a claim, our trained and resourceful personal injury attorneys at personal injury law firms have expertise in working directly with medical specialists. In addition, our firm has assisted victims in obtaining compensation for various losses, including medical costs, lost earnings, property damage, and even punitive penalties.
Contact A Personal Injury Lawyer Today
Insurance adjusters may give the impression that they have your best interests at heart, but this is rarely the case. Insurance firms' established practices are designed to maximize earnings by minimizing claims paid. However, not all legal firms are savvy about the strategies employed by Progressive, so they may not know how to maximize your claim to its fullest potential.
We've spent years guiding clients just like you through the troubled waters of personal injury law. Getting a copy of an accident report from the CHP (California Highway Patrol) might be difficult for some people. That's why our law firm makes things easy for you. You can count on our experienced counsel at McCrary Accident Injury Law Firm. Years of experience have given us the knowledge to guide clients through personal injury law. We are available 24/7, and you can call us at (855)752-6326 for a free case consultation.
What happens if I'm at fault in a car accident?
The above steps should be taken if you are at fault in an auto accident and your insurance policy provides financial protection. First, report the accident to your insurance company or agent yourself; don't depend on the other driver to do it. If you cause an accident and someone is hurt, and that accident is covered by insurance, the insurance company handles any claims or lawsuits filed by the affected parties.
What should you do if the accident wasn't your fault?
The steps listed above apply if another driver causes an accident involving your car. First, get the name, address, phone number, and insurance information of the person who caused the accident. Then, you should report the accident to the other driver's insurance carrier, as the at-fault driver is unlikely to do so.
If the other driver is either uninsured, has insufficient insurance, or whose insurer outright rejects liability, you may also choose to notify your insurance carrier of the accident. Your insurance may try to recoup costs from the negligent driver after they've paid your claim.
What happens when you sue progressive auto insurance?
When it comes to defending lawsuits, Progressive Auto Insurance relies heavily on in-house, captive law firms. This implies that the attorneys are not charging Progressive Auto Insurance for their time because the company already pays them a salary. This allows an insurance firm to defend against more Progressive Insurance claims in court while significantly reducing its defense budget. Consequently, we sometimes need to file a lawsuit to coerce an adjuster into making a more fair settlement offer. The vast majority of auto accident lawsuits still settle before trial. However, you might have to go to trial if you cannot negotiate a superior settlement offer.
What to do when Progressive's insurance adjusters call?
Saving money for the insurance company is the primary goal of an insurance adjuster. The insurance adjuster will come to you with a pitiful offer of compensation to reach this goal. In the worst scenarios, the adjuster may resort to dishonest means to dismiss legitimate damage claims. Therefore, you must always be on guard and fight for your rights until the bitter end. If you want to accomplish this, you can:
- Being consistent in your adherence to the facts of your case no matter what the adjuster says
- Avoiding speculative faults
- Refuse to make a recorded statement
- One should not volunteer information that the adjuster did not specifically request.
- Remain truthful
- Not taking responsibility and refusing to make assumptions.
- Please don't settle for the first amount offered; it is always very low.
Should a claimant personally negotiate with a claims adjuster to resolve an accident claim?
No. Once an injury claim is filed with Progressive, the company's adjuster will attempt to negotiate a settlement with the claimant. An injured person might try to settle a claim on their own for compensation if the damage is minimal and the injuries are low.
However, remember that adjusters use particular strategies to get the lowest possible settlement on claims.
If you file a claim with a rep, the claims adjuster will likely give you a lowball settlement to close the case quickly. However, if the claimant accepts the offer, the adjuster can conclude the case and move on.
With so many options, it's usually best for claimants to seek the counsel of an experienced personal injury attorney.
Should I Sign A Release?
Be aware that in exchange for payment of any insurance claim, the insurance company will always require you to sign a release of their insured. They usually contain two releases, one for property damage and one for bodily injury. Before you sign any waivers, make sure you read them well. Once you sign, any outstanding liens will probably be deducted from your settlement, regardless of whether or not you were aware of their existence. If you are signing a release or other legal instrument, you should see a lawyer first.
How do I get an estimate for the repair of my car?
A representative from your insurance company may check your car virtually, in person at a shop, your house, or any place of your choosing. Estimates for repairs, if possible, can be obtained from any repair shop or garage. These estimates can help you learn more about the work required to fix your car and the ballpark figure you can expect to pay for it. Estimates for repairs may differ based on several factors, such as the availability and cost of replacement components, the difficulty of the repair, and the length of time it will take to complete the work.