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In short, yes, you can sue Progressive following a car accident. This typically becomes an option if the insurance company acts in bad faith.
For example, if they offer an unfair settlement amount that does not correspond with the value of your losses and damages, you may be able to sue the company.
Sometimes, the only way to receive a just car accident settlement is to sue. This process may involve filing a lawsuit against the liable party rather than the insurance provider. Their insurance provider will then be responsible for paying damages won in court.
If you feel Progressive has not treated you fairly after filing a car accident claim, contact an auto accident attorney. They can help you better understand your situation and case.
Suing Progressive is often considered a last resort for vehicle accident victims. In most cases, an insurance company must act in bad faith for an accident victim to have reason to file a lawsuit.
Examples of ways in which insurance companies can act in bad faith include:
If you feel your auto insurance claim has been handled in bad faith, consider working with a car accident attorney to determine if suing is the best option for your case.
No, suing Progressive insurance is not the same as filing a personal injury claim, or car accident claim, with the company.
A claim is what is filed with Progressive by a policyholder or a victim of the at-fault driver immediately following an accident. Progressive will open a claim in their system and follow necessary procedures for the accident case to complete the claims process.
A lawsuit against Progressive is what would result if the company did not properly handle your claim or come to a fair verdict for your case. This is when a civil suit is filed in a court of law.
In some states, the lawsuit is filed against the liable party in their name. However, the liable party’s insurance company is responsible for damages under the policyholder’s premium.
Working with a personal injury lawyer, or accident attorney, can help you better understand your eligibility for filing a lawsuit.
Common reasons that make someone eligible to file a claim with a large insurance company such as Allstate, Progressive, or Geico include an unfair settlement offer or poor handling of a claim.
If you’re unsure whether you’re eligible to sue Progressive, consider connecting with an experienced personal injury attorney for a free case evaluation.
There are a few different types of lawsuits that a victim may bring against a liable party following a car or truck accident. Your attorney can help you better understand these options and help you decide which one is most appropriate for your case.
The most common lawsuits brought against car insurance companies include:
There are several factors that can play a role in the filing and outcome of a lawsuit against an auto insurance company. Working with an experienced trial law firm can ensure you’re aware of these factors and they are used to your advantage in your case.
Examples of factors that can impact a lawsuit against Progressive include:
There are several steps involved in starting a lawsuit against a large auto insurance company. Having a strong attorney-client relationship with your lawyer can help ensure you remain in the loop and that your rights are protected throughout the process.
One of the first steps in determining whether suing Progressive is your best course of action is to reach out to a car accident lawyer. They will likely provide you with a free consultation to help you decide if this is the course you want to take.
Before you can sue an insurance company, you must first go through the claims process. This will involve providing all documentation and evidence of your damages such as medical records and police reports.
In most cases, your attorney can file your claim on your behalf and work with the Progressive insurance adjuster throughout the process.
Your car accident attorney will negotiate with the other party’s legal representation on your behalf to reach a fair settlement. If a fair settlement is not reached, your lawyer may offer legal advice that includes filing a lawsuit.
If you don’t feel that your claim was handled correctly or that you received a fair settlement offer, you may wish to pursue a lawsuit against Progressive. This is only possible if the liable party has sufficient driver’s insurance through the insurance company.
If you’re unsure if suing Progressive is the right option for you, consider getting in touch with an experienced auto accident trial lawyer in your area.
There are a few key pieces of evidence you’ll need when filing a claim or lawsuit against Progressive.
The most important pieces of evidence in an accident case include:
Progressive offers its policyholders a few primary types of insurance coverage.
The most common insurance coverage includes:
How long you have to file a lawsuit against a large car insurance company like Progressive is largely dependent on the statute of limitations in your state.
For example, in Texas, the statute of limitations on personal injury claims and lawsuits such as those filed in auto accident cases is two years. However, in Florida, the statute of limitations is four years.
If you’re unsure of the statute of limitations in your state, talk to your auto accident attorney. They can ensure you file your claim or lawsuit in a sufficient amount of time.
Progressive doesn’t offer public, up-to-date information on its lawsuit settlement statistics. However, information is available on statistics that take into account settlement amounts from large auto insurance companies like Progressive.
The average settlement in 2020 was $20,235 for personal injury cases associated with car accidents. For property damage cases, the average settlement was $4,711.
How much a lawsuit settlement will be varies from case to case and is contingent on a number of factors, including damages, pain and suffering, and losses.
There are several types of damages that can occur in an accident and that would therefore be relevant in a Progressive auto accident lawsuit.
Some common examples of damages included in car accident lawsuits include:
Progressive is the third top company to write property/casualty insurance by direct premiums as of 2022. They are the second top company to write personal auto insurance by direct premiums. In 2022, the company wrote an estimated $38,927,286 in premiums and consumed 14% of the market share.
If you’ve been involved in an auto accident and feel that Progressive hasn’t handled your claim fairly, working with an experienced personal injury lawyer can help ensure you get the compensation you need and deserve.
LegalFinders would be happy to connect you with an award-winning attorney in your area today.
The following are answers to frequently asked questions by accident victims regarding lawsuits against Progressive insurance.
There is currently no up-to-date information on the average amount of a Progressive auto accident settlement.
If you believe your claim was underpaid according to your damages estimate, reach out to an auto accident lawyer now.
The J.D. Power 2022 U.S. Auto Claims Satisfaction Study found that Progressive was rated 861 out of 1,000 for its reputation for paying out claims to clients.
Progressive typically takes around 30 days to investigate the claim and determine whether they will offer the claimant a settlement. However, the exact amount of time Progressive takes to pay that claim can vary from a few weeks to several months.
J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Find.” Retrieved from https://www.jdpower.com/business/press-releases/2022-us-auto-claims-satisfaction-study.
Insurance Information Institute. “Facts + Statistics: Insurance company rankings.” Retrieved from: https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings.
Progressive. “How long does it take to get a settlement check after a car accident?” Retrieved from: https://www.progressive.com/answers/car-insurance-claim-settlement-time-limits/.