News & opinion SECRETS of Progressive Insurance Car Accident Claims EXPOSED!

SECRETS of Progressive Insurance Car Accident Claims EXPOSED!

Car Accident Attorneys Houston

If you ever watch television, you certainly would recognize “Flo,” the over-the-top spokesperson of Progressive Insurance. These cheerful commercials make choosing insurance seem easy—and even fun! In their ads, Progressive makes dealing with insurance look like a breeze, and who doesn’t like Flo?


Trust us when we say there isn’t anything “easy” about filing a car insurance claim with Progressive. Progressive may make it simple to purchase a policy, but they’ll make it almost impossible to get paid on an injury claim!

Our law firm has fought Progressive Insurance claims adjusters for years. We know all their tricks, and they know who WE are, too.

We are a national law firm based in Houston with multiple offices around the country. We also work with affiliate law firms in most states that share our focus and dedication to excellence. No matter where you are located, we may be able to help you, so call or contact us now. We are open, for FREE, 24 hours a day, seven days a week, at 800-898-4877, or CONTACT US NOW by [CLICKING HERE] to submit your case for review.

Their Greed Knows No Bounds

Like any other insurance company, Progressive loves collecting the premiums its customers pay every month, but will fight tooth and nail when someone makes a claim. All of this coming from a company with a reported net income of $3.97 billion—that’s billion with a B!—in 2019.

The worst part? The people making claims often desperately need the money to pay for their accident-related expenses, bills, and even their food and rent or mortgages. Even knowing this harsh reality, Progressive does everything it can to hold onto every penny it gets, at the expense of regular people like you.

We know Progressive has its own interests in mind—but we also know how to fight Progressive so you can get the money you deserve.

Our attorneys and legal professionals at Stewart J. Guss, Injury Accident Lawyers, have handled many claims with Progressive. We know the tips for combatting the company’s tricks they use to pay out as little as possible, even when their customers caused your injuries… or even when you’re one of its customers, and need to file a claim with Progressive.

SECRET #1 – Understanding Progressive Insurance & Their Priorities

Progressive has a huge presence in commercials and online. Across the nation, it’s become one of the biggest names in auto insurance. Progressive policies cover nearly 15 million vehicles in the United States, which means that if you suffer an accident, there’s 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 it can. Despite those “feel good” commercials with Flo, our research and experience indicate that Progressive is focused like a laser on minimizing the amount it pays out on personal injury claims. It’s not personal, it’s just how they keep their business so successful! But this is BAD NEWS for anyone who needs Progressive to cover their bills after an accident.

To be perfectly clear, Progressive’s priority is always its bottom line, and it will do everything it can to pay you as little as it can to settle your case. As a result, you must retain an experienced law firm to represent you from the beginning of your insurance claim with Progressive. Failing to do so could result in you accepting a settlement for far less than what your injuries have cost you—or worst, obtaining no compensation at all. With stakes this high, you need the aggressive legal team of Stewart J. Guss, Injury Accident Lawyers, to represent you.

SECRET #2 – Understanding Progressive’s Settlement Negotiation Strategies

When Progressive calls with an initial settlement offer on a claim, do NOT be surprised if it’s an insultingly low offer. This is a key part of Progressive’s negotiation strategy. There is no harm, from its perspective, from making a ridiculously low offer right out of the gate—after all, some people (especially those not represented by a law firm like ours) will actually take it.

Unfortunately, once you sign on the dotted line to accept a settlement, you are also signing away your rights! Most people don’t realize that a settlement acceptance also involves signing a waiver of your right to seek anything further regarding this particular claim. If you realize weeks or months later that the settlement was FAR too low to cover your losses, there’s NO way to go back and get additional compensation. You will bear all of the responsibility for paying any expenses or bills that the settlement didn’t cover. It’s ABSOLUTELY imperative that any settlement you accept FULLY compensates you for your injuries.

Progressive insurance adjusters also have a tendency to invalidate, question, dismiss, or deny the seriousness of your injuries. Adjusters often claim you’ve inflated your medical expenses,  exaggerated your pain levels, had unnecessary treatments, or had pre-existing conditions. This mistrust can be hurtful, since you know how traumatic and painful your injuries really feel. 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 all part of the “playbook” when Progressive tries to limit the amount it pays on a claim.

Sometimes, Progressive will monitor your social media activity or even hire investigators to spy on you in person to obtain “evidence” that your injuries are not as serious as you claim. They will use ANYTHING they can to make this argument, so stay off of Facebook, Twitter, or other social media platforms during the claims process. We all want to present our best lives on social media, but the truth is that Progressive could use a picture as innocent as you smiling while you are out to dinner with friends to challenge the severity of your injuries.

The above are only some of the many negotiating tactics that Progressive adjusters have in their “playbook.” Often, you won’t even realize when they employ these strategies. The entire time, they’ll promise they’re on YOUR side (as if they’re Nationwide—although that’s a myth to bust on another day.) At Stewart J. Guss, Injury Accident Lawyers, we know for a FACT this is not true, so you need someone who IS on your side—our dedicated car accident claim law firm!

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 suddenly become more flexible once we file a lawsuit for you. When we file a personal injury lawsuit, companies know we mean business. They may immediately offer you a more reasonable amount to settle the case. Sometimes Progressive wants to avoid the costs of litigation, or its in-house attorneys don’t have time 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 law firm will give their opinions about the risks and benefits of all offers made. As offers start increasing, you may feel tempted to accept an offer even if you know you truly deserve more. Many accident victims may not want to “push their luck” by waiting for a higher offer, or they may just want to get the case over with. However, patience pays, and having a law firm with skill and experience in dealing with Progressive Insurance can make a huge difference in the outcome of your case.

If you filed an auto insurance claim with Progressive, don’t feel discouraged if your initial offer is much less than you expected. This is par for the course with this company, and sometimes people can’t resolve their cases fairly without filing lawsuits. Our law firm is familiar with the tactics of Progressive insurance adjusters, and we will not back down from them.

When your medical bills are piling up, you may feel rushed to get compensation, but accepting an offer too soon could mean you’ll have to pay substantial out-of-pocket costs. Filing a lawsuit can mean the difference between receiving the FULL amount you deserve and MUCH LESS than you deserve. We are aggressive litigators who will not hesitate to take a case to court if Progressive refuses to make a reasonable settlement offer. Call us to discuss your claim or settlement offer right away!

SECRET #4 – Progressive Insurance Lowballs Its OWN Insureds on Uninsured Motorists and PIP Claims

If you are a Progressive policyholder and need to file an uninsured or underinsured motorist claim, or submit 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.

Like other insurance companies, Progressive will often fight against these claims. Their profit margins are more important to them than their loyalty to their own customers.

If someone hits you and drives away, you may take solace in knowing you have uninsured motorist coverage… until Progressive delays, reduces, or denies your claim!

The same goes for PIP insurance. When you live in a no-fault insurance state and suffer injuries in a car accident, you may assume the process will go smoothly because you have your own PIP coverage. These claims, however, present their own unique—and extremely frustrating—challenges.

You may think that a non-adversarial claim may prove easier. However, 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 itself if it refuses to offer the full amount of your uninsured motorist claim. Anyone in this situation should seek assistance from a law firm that has experience dealing with Progressive insurance injury claims.

Secret #5 – Progressive Insurance Pressures Victims to Provide Unnecessary Recorded Statements

One of Progressive’s favorite tactics is telling injured victims that they need to obtain a recorded statement about the accident to speed up the processing of their claims. They may even tell you that you MUST give them a recorded statement to receive a settlement offer.

This is simply NOT true.

Progressive and other insurance companies seek recorded statements from injured victims because it gives them an opportunity to ask leading questions. They’ll twist your words to try to justify a lower settlement offer or deny your claim altogether. Even if you’re CERTAIN you would NEVER say anything against your interests to an adjuster, many people are shocked to realize that adjusters can twist around even the simplest statements and use them against a claimant!

To understand the serious risks of giving a recorded statement, consider this:

During a recorded statement, a Progressive claims adjuster may start the interview by asking, “How are you today?” Most people, even those in a great deal of pain, will automatically answer “fine”—it’s just what we do out of habit. The adjuster, however, then notes that you are feeling “fine,” which MUST mean that your injuries aren’t causing you any pain.

Unfortunately, adjusters can use something as simple as this hypothetical conversation to argue that your injuries are not as severe as you claim.

In addition, an adjuster may ask questions designed to get you to accidentally say something that indicates that you were partially or even wholly at fault for the accident in question. For instance:

An adjuster asks where you were driving when the accident happened, and you honestly answer that you were driving your kids to school. She asks when school starts, and you don’t think twice before answering 8:30 a.m. The adjuster then notes that since the accident happened at 8:25 a.m., about a mile from school on a crowded street, you were running late and in a hurry. Also, the adjuster notes that you had two kids in the backseat, who may have distracted you while you were driving. Suddenly, Progressive is claiming that your distracted and possibly hurried driving meant that you likely weren’t paying enough attention to the road, resulting in an accident. If you were partially at fault, the company can limit your settlement offer!

Giving a recorded statement to an adjuster without speaking to an attorney can cause unexpectedly disastrous results for your claim.

When you consult our office, we’ll inform you of your rights. Progressive has no right to demand these statements from you. We’ll also handle all communications with your adjuster to ensure you’re not caught in a trap of unknowingly saying things they can use against you.

SECRET #6 – Progressive Insurance Adjusters Understand You’re Under Financial Pressure After a Crash

A serious car accident can leave you with expensive bills! Even relatively minor injuries can leave you with tens of thousands of dollars in medical expenses. Victims who suffer serious injuries like traumatic brain injuries and spinal cord injuries often face medical bills in the seven figures or more. For severe or permanent injuries, you may need specialized medical care for the rest of your life.

In addition, injuries can keep you from working for weeks or even months after a serious car accident. As a result, you may lose out on a LOT of income that you usually rely on to pay your housing payment, utility bills, expenses for your children, and necessities like food or medicine. Losing even a small amount of income can throw off your entire household budget and put you into debt or behind on your bills. Weeks or months off of work can even lead to bankruptcy if you don’t receive proper compensation.

In some cases, a car accident injury can cause permanent disabilities that keep you from working for the rest of your life or cause you to switch to a lower-paying job. For example, someone who suffers a brain injury may not return to work as a lawyer, researcher, accountant, or similar profession. Someone with a hurt back that causes chronic pain and limitations likely can’t return to work as an athlete, trainer, construction worker, or any other job that requires physical activity. Needless to say, a lifetime of reduced income—and not working in the profession of your choice—can have overwhelming effects on you and your family!

Medical bills plus lost income plus other intangible losses can put a TON of pressure on you and your household. Progressive adjusters know that most people don’t have the funds to pay medical bills out-of-pocket or enough emergency savings to cover bills while you’re out of work. They know that as you watch bills start to pile up, you will feel highly anxious to receive a settlement payment. This is understandable!

However, Progressive will use this financial pressure against you. They will often try to make a quick lowball offer, hoping that you’ll accept it so you can begin paying your bills. They can also try to convince you that if you don’t accept the first settlement offer, it could take a long time before you can receive a higher payment, if ever. These are ALL tactics to use your financial pressure against you to get you to accept much less than you deserve.

Accepting a quick offer may seem to solve your financial problems right away, but it can also create new ones soon after. By the time you realize your settlement won’t cover all your bills and losses, it’s too late!

One accident shouldn’t ruin your life, especially if it was not your fault.

When you’re feeling the financial pressure of a car accident, call a knowledgeable law firm instead of accepting a quick payment. We’ll advise you whether the first settlement is adequate or not, and we know how to fight for the amount you deserve while minimizing delays whenever possible.

SECRET #7 – Progressive Knows You May Not Know How Much Your Injuries Have Cost You

When you file your own insurance claim, you must include the amount of money you’re seeking for your losses. Many people add up repair bills and medical bills and submit them to the insurance company. Progressive is ALL too happy to pay an amount claimed even though they KNOW you likely have other losses surfacing later. They realize unrepresented claimants regularly request less than they deserve, and Progressive likely won’t say a WORD about it! As time passes, claimants may realize they grossly underestimated their claim value, but it’ll be too late to reopen the claim.

The best way to learn the full value of your claim is to talk to an experienced car accident lawyer RIGHT AWAY. We know your claim can involve more than just your current bills. We investigate ALL of the potential compensation you deserve. This can include expenses related to medical care, such as fuel and childcare, future medical expenses, lost income and future lost earnings, pain and suffering, and much more! We will always take the time to maximize your claim value. Trust that when you hire us, the insurance company knows that you mean business!

Don’t let Progressive and its adjusters cheat you out of the payment you deserve after someone else causes a car accident. Instead, let our law firm fight for your rights!

Consult a Law Firm 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 usually not the case. Insurance companies often have policies in place to increase profits by reducing payouts whenever possible. Not all law firms are familiar with the tactics of Progressive and similar companies, however, and they may not know all of the possible ways to maximize your claim.

Our legal team has handled claims for clients against ALL of the major insurance companies, and we KNOW how to play hardball with these large billion-dollar corporations. We don’t back down when we’re up against difficult insurance adjusters or companies like Progressive. You can trust we will identify the FULL value of your claim and will do everything we can to fight for that amount for you.

The lawyers of Stewart J. Guss, Injury Accident Lawyers, are nationally recognized car accident lawyers who have protected the rights of injured car accident victims for more than 20 years. If you were injured in a car wreck and are dealing with a Progressive insurance claims adjuster, call our office right now to schedule a free consultation! Because we take all of our personal injury cases on a contingent fee basis, you will not owe us a DIME unless we win your case. We are available 24 hours a day, seven days a week. To schedule your case evaluation, call us today at 800-898-4877 or contact us now by clicking HERE.

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