SECRETS of Progressive Insurance Car Accident Claims EXPOSED!
If you ever watch television, you certainly would recognize “Flo,” the over-the-top salesperson selling Progressive Insurance. These commercials make choosing insurance seem easy and even fun! Progressive makes dealing with insurance seem like a breeze, and who doesn’t like Flo?
Trust us when we say—there is little that’s “easy” when making a car insurance claim with Progressive. Progressive may make it easy to purchase a policy—but they try to make it almost impossible to get paid on an injury claim! We know that Progressive has its own interests in mind—but we know how to fight so you can get the money you deserve.
Our attorneys at Stewart J. Guss have handled many claims with Progressive, and we know the company’s tips and tricks they use to pay out as little as possible, even when their customers caused your injuries. Even when you’re one of their customers, and need to file a claim with them.
Our attorneys have been fighting Progressive Insurance claims adjusters for years. We know all their tricks, and they know who WE are too. If you are fighting Progressive on a car accident claim, you need a law firm that knows how to beat them at their own game. If you are dealing with Progressive Insurance, call us right now for a free consultation at 1-800-898-4877 or to discuss your case for free.
SECRET #1 – Understanding Progressive Insurance and Their Priorities
Progressive has a huge presence in commercials and online. It has become one of the largest providers of auto insurance in the nation. Progressive policies cover about 11 million vehicles in the United States, which means that if you suffer an accident, there is a strong chance the other driver has Progressive insurance—and you will need to engage in a claim with the corporate giant.
Progressive didn’t build its success by making full payments on claims. Instead, the company focuses on LIMITING payments whenever they can. Despite their “feel good” commercials with Flo, our research and experience indicates that they are focused like a laser on minimizing the amount they pay out on personal injury claims. This is not personal—it’s just how they keep their business so successful! But this is BAD NEWS for anyone who has to try to get their bills covered by Progressive.
SECRET #2 – Understanding Progressive’s Settlement Negotiation Strategies
When Progressive calls with an initial settlement offer on a claim, there should be NO SURPRISE when the offer is incredibly low. This is a key part of their negotiation strategy. There is no harm, from their perspective, from making a ridiculously low offer “out of the box,” after all – some people (especially those not represented by an attorney) will actually take it.
Progressive insurance adjusters also have a tendency to question or deny the seriousness of your injuries. Adjusters often claim that you inflated your medical expenses, that not all treatments were necessary, or that not all injuries stemmed from the car accident itself. This mistrust can prove hurtful, since you know how traumatic and painful your injuries really are. Questioning the legitimacy and seriousness of your injuries is personally insulting (after all, it was YOU in that accident, NOT the adjuster), but this is part of their “playbook” when trying to limit the amount they pay on a claim.
SECRET #3 – Sometimes Filing a Lawsuit Makes ALL the Difference
While Progressive may play hardball with low settlement offers during the insurance process, the company can become more flexible once we file a lawsuit for you. Once a personal injury lawsuit is filed, the company may suddenly offer a more reasonable amount to settle the case. Sometimes Progressive wants to avoid the costs of litigation or its in-house attorneys do not have the time and capacity to handle every lawsuit filed against the company and its policyholders. Whatever the reason, we know that this is a common pattern with Progressive cases!
Your attorneys will advise you as to their opinion on the risks and benefits of all offers made. As offers start increasing, you can feel tempted to accept an offer even if you know you truly deserve more. Many accident victims may not want to “push their luck” waiting for a higher offer, or may just want to get the case over with. Having an attorney with skill and plenty of experience in dealing with Progressive Insurance can make a huge difference in the outcome of your case.
SECRET #4—Progressive Insurance Lowballs Its Own Insureds on Uninsured Motorists and PIP Claims As Well
If you are a Progressive policyholder and need to file an uninsured or underinsured motorist claim, or turn in a PIP claim for your medical bills, you may think that Progressive will make the process easier for you because you pay premiums and are their customer. THINK AGAIN. Progressive—like other insurance companies—will often fight against these claims as well. Their profit margins are more important to them than their loyalty to their own customers.
If you were in a hit and run accident or an uninsured driver hit you, you will still need to fight an uphill battle even though you are filing a claim with your own insurer. In some cases, you may even need to file a lawsuit against Progressive if it refuses to offer the full amount of your uninsured motorist claim. Anyone in this situation should seek assistance from an attorney who has experience dealing with Progressive Insurance injury claims.
Consult a Lawyer That Knows How to Fight Progressive Insurance Injury Claim Adjusters
While you may believe that an insurance adjuster has your best interests in mind, this is likely not the case. Insurance companies often have policies in place to increase profits by reducing payouts whenever possible.