Progressive Auto Insurance Claims

Progressive Insurance is one of the three largest auto insurers in Florida. As a result, if you are in a car accident, it is quite possible that you will need to deal with Progressive, either as your insurer or as the insurer of another driver involved in the collision. Filing a Progressive auto insurance claim can be an uphill battle at times, since the company’s interest is in its bottom line, and it may offer an excessively low settlement to a car accident victim in an effort to reduce costs. The Miami car accident lawyers at the Law Offices of Robert Dixon can help you deal with Progressive adjusters and attorneys to ensure that you receive the amount to which you are entitled for injuries sustained in a crash.

Our firm understands the motives and strategies of insurance companies in trying to avoid paying claimants for valid costs associated with their injuries. Car accident victims are often focused on their recovery efforts, wanting the security of a quick payment, and they may not know their options when they are negotiating with a company like Progressive. The team can help you determine what is fair and right in the claims process. Our firm assists people throughout South Florida, including in Miami-Dade, Broward, and Palm Beach Counties, in filing claims with Progressive or filing a separate personal injury claim against an at-fault driver. If you, or someone in your family, has been injured in a car accident, and you would like to discuss your legal and insurance options, contact our office today to speak with an attorney and find out more about our services.

Progressive is estimated to insure over 11 million vehicles nationwide. As with other insurance companies, Progressive adjusters will attempt to settle a claim for as little as possible, and they also may try to make the process harder along the way. Most Florida Progressive insurance policies provide limits of $10,000 per person or $20,000 per accident in bodily injury liability (BIL) coverage. However, BIL insurance is not required for most vehicles in the state. One exception to this rule is for cars that drive for ride-sharing companies like Uber or Lyft, which must carry certain BIL minimums.

When you are injured in a car accident, and you either file a claim with Progressive under your own plan or file a claim against another driver insured by the company, a claims adjuster will usually be in contact quickly and begin evaluating the liability that it has. In Florida, following a “no-fault” scheme of insurance practices, insurance companies are required to pay their own policyholders under their policies, regardless of who is found at fault for a collision. Despite this, an adjuster might try to argue that certain coverage does not apply, due to who was at fault for the accident. In some cases, a Progressive adjuster might offer you a fast settlement in the immediate aftermath of an accident. This offer could include compensation for vehicle repairs or medical bills coverage for the 30 days following a collision. However, these offers are often for low amounts that do not cover the full expenses that a victim ultimately sustains for significant motor vehicle accident injuries, especially when future medical care is necessary.

Another common tactic of Progressive, among other insurers, is to challenge the amount that a victim has claimed in medical expenses and try to only cover costs that are “usual and customary” for similar medical care in a certain area. When an insurance company engages in acts that are especially egregious, a claimant may file an action under Florida’s Unfair Claim Settlements Practices Act, arguing that the insurer acted in bad faith. Negotiating with a large insurance company like Progressive is a complex situation, so having a legal advocate on your side is important to ensure that your claim is handled fairly.

Insurance policies can be complicated, and claimants may not know all of their rights when they are dealing with Progressive or another insurance company. Before accepting a settlement offer, contact a knowledgeable Miami attorney at the Law Offices of Robert Dixon who can make sure that you are not being exploited. If you have been injured or have lost a loved one in a devastating car accident and need help filing a claim, negotiating a settlement, or otherwise dealing with a Progressive insurance representative, call our office at 877.499.4878 or contact us online to set up a free, no-obligation consultation to discuss your options. We represent people in Miami, West Palm Beach, and the surrounding cities.