SECRETS of Progressive Insurance Car Accident Claims 2022 (2022)

You’re probably quick to recognize “Flo,” the bubbly, energetic spokesperson for Progressive Insurance. She’s even become a popular Halloween costume choice! Her cheerful commercials make choosing insurance seem easy—and even fun! In all their ads, Progressive makes dealing with insurance look like a breeze. But for injured car accident victims, a storm is brewing.

Trust us when we say there isn’t anything “easy” about filing a car insurance claim with Progressive. Progressive might make it simple to purchase or change a car insurance policy, but they make it almost impossible to get paid for an injury claim! They only care about maximizing their profits, which explains why Progressive has a net worth of over $60 billion.

Our law firm has fought against 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.

1 Their Greed Knows No Bounds

2 SECRET #1 – Progressive’s Profit Is Their Top Priority

3 SECRET #2 – Progressive’s Sneaky Settlement Negotiation Strategies

4 SECRET #3 – Filing A Lawsuit Can Increase Your Compensation

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5 SECRET #4 – Progressive Insurance Routinely Lowballs Its Own Customers on Uninsured Motorists and PIP Claims

6 SECRET #5 – Progressive Insurance Pressures Victims to Give Recorded Statements

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

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

9 Consult a Law Firm That Knows How to Fight Progressive Insurance Injury Claim Adjusters!

SECRETS of Progressive Insurance Car Accident Claims 2022 (1)

Their Greed Knows No Bounds

SECRETS of Progressive Insurance Car Accident Claims 2022 (2)Like any other insurance company, Progressive loves collecting the premiums its customers pay every month, but they will fight tooth and nail when someone makes a claim. All of this coming from a company with a reported net income of $5.7 billion—that’s billion with a B!—in 2020.

Worst of all, 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 though they’re aware of this harsh reality, Progressive does everything it can to hold onto every penny, at the expense of regular people like you. Where is your insurance coverage when you need it most?

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.

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Our attorneys and legal professionals at Stewart J. Guss, Injury Accident Lawyers, have handled thousands of claims with Progressive. We know the tips for combating 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 their customers and need to file a claim with Progressive.

A car accident can be the most overwhelming time in someone’s life. Insurance companies should not add more stress to your plate, but they often do. Luckily, you don’t have to go into this battle alone. Below we will share seven secrets we’ve learned from our years of experience settling Progressive auto insurance claims.

SECRET #1 – Progressive’s Profit Is Their Top Priority

Progressive has a huge presence in commercials and online, touting itself as “The #1 Insurance Website.” 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. With numbers like those, if you’re ever in an auto accident there’s a strong chance the other driver has Progressive insurance—and you will need to gear up for an accident injury claim with this corporate giant.

Let’s be honest. Progressive didn’t build its success by making full payments on claims. Instead, the company historically focuses on limiting payments whenever it can. Despite those “feel good” commercials with Flo, our research and decades of firsthand experience indicate that Progressive is laser-focused 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 very 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.

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SECRET #2 – Progressive’s Sneaky Settlement Negotiation Strategies

SECRETS of Progressive Insurance Car Accident Claims 2022 (3)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. From their perspective, there’s no harm in 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! Don’t fall for this trick. Most people don’t realize that a settlement acceptance also involves signing a waiver of your right to seek any further compensation regarding this particular claim. If you realize weeks or months later that the settlement was far too low to cover your losses, it is impossible to go back and get additional compensation. You will bear all 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. A car accident lawyer can help you calculate the true value of your claim and ensure you do not settle for less than you deserve.

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 and discouraging, 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 “business as usual” 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 and standing with friends to challenge the severity of your injuries.

These are only some of the many tricky tactics that Progressive adjusters have in their “playbook.” Often, you won’t even realize when they employ these strategies until it’s too late. 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—like our dedicated car accident claim law firm!

SECRET #3 – Filing A Lawsuit Can Increase Your Compensation

While Progressive may play hardball with low settlement offers during the initial insurance process, hiring an attorney lets them know you mean business. If you file a lawsuit or threaten to, you may discover the insurance company suddenly becomes more cooperative.

When we file a personal injury lawsuit, companies take our clients seriously. They may immediately offer you a more reasonable amount to settle the case. Perhaps Progressive wants to avoid the costs of litigation, or its in-house attorneys might not 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 input and opinions about the risks and benefits of all offers you receive. As offer amounts start increasing, you may feel tempted to accept, even if you know you truly deserve more. Many accident victims may not want to “press their luck” by waiting for a higher offer, or they may just want to close the case as quickly as possible and move on with their lives. 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.

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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 cannot 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 prematurely 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. Fortunately, 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 Routinely Lowballs Its Own Customers on Uninsured Motorists and PIP Claims

SECRETS of Progressive Insurance Car Accident Claims 2022 (4)If you are a Progressive policyholder who needs 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.

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. Even if you’ve made all your insurance payments on time and even if accident liability is clear as day, you may still encounter obstacles. Don’t get treated like just another claim number. Partner with a car accident lawyer who will give you the respect you deserve, and fight to get you the money you need.

SECRET #5 – Progressive Insurance Pressures Victims to Give Recorded Statements

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

This is simply not true. These statements are unnecessary, and you are under no obligation to provide them.

Progressive and other insurance companies only want recorded statements from injured victims because it gives them an opportunity to ask leading questions. They’ll twist your words and poke holes in your story to try to justify a lower settlement offer or even deny your claim altogether. Even if you’re confident 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 example:

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, right?

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 specifically 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 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!

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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. 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. Remember, Progressive has no right to demand these statements from you.

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

A serious car accident can leave you with serious debt! Even relatively minor injuries can result in tens of thousands of dollars in medical expenses. Victims who suffer 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. We know how 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 labor. 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 situation 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. 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 let you know if that 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

SECRETS of Progressive Insurance Car Accident Claims 2022 (5)That was a mouthful, but let us explain. When you file your own insurance claim, you must include the amount of money you’re seeking for your losses. This is known as the demand phase of the case. Many people simply 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 that will surface later. They realize unrepresented claimants regularly request less than they deserve, but Progressive will keep quiet 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 as soon as possible. We know your claim can involve more than just your current bills. We look at the big picture, and 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 you!

A car accident lawyer can handle all this and more:

  • Investigating the accident, collecting evidence, and determining fault
  • Connecting you to the medical care you need
  • Tracking your expenses and calculating the value of your claim
  • Negotiating with Progressive insurance adjusters
  • Filing a lawsuit and presenting evidence to a judge and/or jury

Consult a Law Firm That Knows How to Fight Progressive Insurance Injury Claim Adjusters!

SECRETS of Progressive Insurance Car Accident Claims 2022 (6)

Big insurance companies like Progressive have professional legal teams on their side, so why shouldn’t you?

While you may believe that an insurance adjuster has your best interests in mind, this usually isn’t the case. Insurance companies have procedures 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, and we won’t let our clients be intimidated. 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!

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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.


How much are most car accident settlements? ›

The average settlement amount for a car accident is approximately $41,783.00. This figure may be high in comparison to national averages across the United States because the data includes more car accident settlements involving serious injuries.

How long does it take to investigate a car insurance claim? ›

How Long Does an Insurance Claim Investigation Take? After filing a claim for property or car insurance, expect to hear from the insurance adjuster within one to three days. It may take longer if the adjuster has to inspect the alleged damage.

How much does insurance increase after an accident? ›

Your premium increase will also depend on other factors such as whether you've made a claim on your insurance before, the cause and severity of the accident, and your overall driving history. However, you'll usually be looking at an increase of between 20%-50%.

How long does an accident stay on your record? ›

It all depends on the insurer, and on the type of accident you've had. But generally speaking, accidents will stay on your insurance record for three to five years.

How much pain and suffering should I ask for? ›

For example, if you had $50,000 in medical costs and other hard costs, and your suffering was rated at about a 3, then the pain and suffering damages should come to about $150,000 (3 x $50,000 = $150,000).

How long does it take to get paid after a settlement? ›

While rough estimates usually put the amount of time to receive settlement money around four to six weeks after a case it settled, the amount of time leading up to settlement will also vary. There are multiple factors to consider when asking how long it takes to get a settlement check.

Does progressive pay well on claims? ›

How much does a Claims Adjuster make at Progressive in California? Average Progressive Claims Adjuster yearly pay in California is approximately $57,144, which meets the national average.

What questions do insurance investigators ask? ›

Questions Insurance Adjusters Commonly Ask in Recorded Statements
  • What is your full name?
  • Are you aware that this interview is being recorded?
  • Do I have your permission to record your statement?
  • Can I share the information we discuss with another adjuster?
  • What is your address, telephone number, and date of birth?
7 Mar 2019

How long does it take for an adjuster to make a decision? ›

Usually, you'll hear from an insurance adjuster within three days of making the claim to discuss matters. If they need to survey the damage, it can be a few more days.

Do car insurance claims go to court? ›

Although most cases do not make it to court, some do. They are usually cases that fall into one of four categories – complex cases, unresponsive defendants or insurers, cases whereby the defendant is denying liability, and cases where claimants are looking for interim payments.

Should I claim on my car insurance if not my fault? ›

Yes. You need to declare all accidents that you're involved in, regardless of who or what was at fault. Almost every insurance provider will have a clause in their policy requiring you to declare any incidents you've been involved in while driving in the past 5 years.

Does Progressive insurance have accident forgiveness? ›

Available to customers in most states as part of the Loyalty Rewards program, Large Accident Forgiveness rewards those who stay with Progressive for at least five years and remain accident and violation-free for up to five consecutive years.

How do I find my accident history? ›

The easiest may be to ask your existing car insurance provider for details of any claims you've made in the past. This information could include the date of any claims, the type of claims, how much was paid out, and details of any injuries. Alternatively, you could contact the Claims and Underwriting Exchange (CUE).

Can I check my car insurance history? ›

Your current insurer should be able to provide you with all information related to your claim history, even if you've switched companies over the years. Simply get in touch with them and ask for a report. You can also contact CUE, the Claims and Underwriting Exchange.

How can I check my car claim history? ›

1. Visit the website of the RTO where your car is registered and fill up the registration number of your car in the given section and click “proceed” to find the policy details. 2. Visit the website of the State Transport Department and enter the registration number of your car to get the car insurance plan details.

How do you calculate emotional pain and suffering? ›

Generally, pain and suffering awards will be calculated by adding up the economic damages and multiplying them by a number between 1.5 and 5, depending on the severity of the injury.

Can I sue my insurance company for emotional distress? ›

You can sue your insurer for bad faith, negligence, emotional distress, breach of contract, or even fraud.

How much should I expect in a settlement agreement? ›

The rough 'rule of thumb' that is generally used to determine the value of a settlement agreement (in respect of compensation for termination of employment) is two to three months' gross salary.

How long does progressive take to mail a check? ›

Progressive sends out the settlement check within a few weeks. Your attorney will deduct legal fees and any liens, for example, from your settlement check. You will receive your settlement check and your claim will come to an end.

Should I accept the first compensation offer? ›

Should I accept the first compensation offer? Unless you have taken independent legal advice on the whole value of your claim, you should not accept a first offer from an insurance company.

How are Progressive at paying out claims? ›

We pay you its actual cash value — which is the market value of your vehicle based upon several factors, such as its pre-loss condition, age, options, mileage, etc. — minus any applicable deductible if you're Progressive insured. We work with a third-party to help determine the actual cash value.

Does Progressive negotiate? ›

Before you accept the first offer, you should know that you can negotiate the amount. Never accept the first offer. The first step will be to understand how much your car is worth.

Does Progressive raise rates after accident? ›

At Progressive, an at-fault accident can increase your rate by an average of 28% countrywide. But we offer accident forgiveness as soon as you become a customer, so you may not see an increase at all for certain incidents out of your control (like a cracked windshield, hail damage, etc.)

What should you not say to an insurance company? ›

Avoid using phrases like “it was my fault,” “I'm sorry,” or “I apologize.” Don't apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.

What should you not say to your car insurance adjuster? ›

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.

Can insurance companies tap your phone? ›

No, an insurance investigator cannot tap your phone – ever.

Tapping a phone involves using electronic equipment to secretly listen to someone's phone conversations, and it is illegal. However, tapping a phone should not be confused with taking a recorded statement, which many insurance companies do on a routine basis.

How long does it take for an insurance company to make an offer? ›

Typically, it can take anywhere from one to two weeks for the insurance company to respond to your demand letter. Then it can take anywhere from weeks to months until you reach a settlement that you will accept. Some people accept the first or second offer, while others may accept the third or fourth counteroffer.

Can I keep extra money from insurance claim? ›

Homeowners can keep the leftover money if there is nothing in writing saying that they must return the unused claim money. Make sure to be truthful when explaining your situation to the insurance company for the claim payout, as lying is considered insurance fraud for which the consequences are harsh.

How long does a insurance company have to respond to a counter offer? ›

In the best-case scenario, the insurance company will respond to your demand letter within 30 days. However, you generally have to wait anywhere from a few weeks to a couple of months because no law sets a deadline.

What is a Stage 3 hearing? ›

This stage involves obtaining evidence to support the compensation claim, negotiations, and settlement if possible. Stage 3. This is laid out in the Civil Procedure Rules Practice Direction 8B. It involves issuing proceedings, filing evidence at court, and getting a judge to value the claim.

What is a 50/50 insurance settlement? ›

What is a 50:50 Split Liability Agreement? If an accident has occurred, whereby both parties are equally responsible, it can be determined as a 50:50 split liability. In this case, each party receives half of the money for their claim from the other party's insurance company.

What happens if I lose my personal injury claim? ›

If you don't win your claim and receive no compensation, the defendant will seek to recover their costs from you. These, and any other costs payable, would be paid by an After the Event (ATE) insurance policy.

How does insurance work when it's not your fault? ›

If you weren't at fault in an accident, you also have the choice to file a claim with the other driver's insurance company, called a third-party claim. In a third-party claim, the other insurance company will pay for your car repairs once it determines their driver was at at-fault.

What happens after a car accident that is your fault? ›

In most states, if you are at fault for an accident you (or your insurance company if you have liability coverage) will have to pay for the losses of the other driver, passengers, and anyone else harmed by the accident. Losses include things like car repairs, medical bills, lost income, and pain and suffering.

What is a non recoverable claim? ›

So sometimes, even when you're completely innocent, unfortunately it can still be recorded as an 'at fault' claim on your policy. This is also known as a 'non-recoverable' claim.

Do I have to pay deductible if I was not at fault Progressive? ›

Do I pay a car insurance deductible if I'm not at fault? If the other driver is officially deemed at fault, their insurance company can pay for your repairs if you file them, and you won't have to pay your deductible.

How long does it take Progressive to process a claim? ›

We resolve many property damage claims within 7 to 14 days, but repair times can vary greatly based on your vehicle, the damage, etc. No matter what, we'll work quickly and efficiently so you can get back to your normal routine.

What is gold level Progressive? ›

Policyholders who reach the first anniversary of their Progressive insurance policy can reach the gold level. Among the benefits available to members of this group are small accident forgiveness, ongoing insurance discounts, and discounts for teen drivers.

Should I accept the first compensation offer? ›

Should I accept the first compensation offer? Unless you have taken independent legal advice on the whole value of your claim, you should not accept a first offer from an insurance company.

What injuries can you claim for after a car accident? ›

It is possible to claim for any type of injury sustained in a car accident that wasn't your fault. Some of the more common car crash injuries, however, include: Whiplash.
Back injuries.
  • Broken bones.
  • Ruptured spleen.
  • Catastrophic personal injuries.
  • Knee injuries.
  • Fatal injuries.

What is the average settlement for a car accident in Georgia? ›

The typical payout for pain and suffering in most car accident claims will range from $15,000 to hundreds of thousands of dollars, depending on the severity of your injury and the long-term/chronic effects on your life.

How is compensation calculated? ›

The composition of compensation

compensation is split into three parts – or 'heads of damage'. Each part considers either what the injured person has already lost, what he might lose or need in the future, or how much he has suffered. The courts often calculate using previous cases with a similar injury.

How do I get the most out of my car insurance claim? ›

Contact your insurance provider as soon as possible: The first thing you should do is contact your insurance right away. This will present a more accurate recollection of the events that took place. The more accurate and the better you're able to recall the incident, the stronger your claim will be.

How long does it take for whiplash payout? ›

How long will a whiplash claim take? Most whiplash claims are settled within a 6 month period, however this is dependent upon a number of different factors including: Liability being accepted by the third party insurers. The medical prognosis and expected recovery time.

Should you accept the first offer for whiplash? ›

He's right to point out that it's usually a mistake to accept a pre-medical offer, especially in claims involving “whiplash” injuries where the innocent claimant suffers neck and/ or back strain in road accidents. This is because personal injury claims are as varied as the people who make them.

Can I claim for pain and suffering? ›

The basic legal principle behind an award of compensation for pain and suffering is to put the injured person back into the financial position they would have been in had the accident not occurred.

Can you claim for trauma from a car accident? ›

Although it is quite common to make a personal injury claim for physical injuries, you may not be aware that you are also able to make a claim for psychological and emotional trauma. The anxiety you could suffer following a car accident can affect your life just as much as a physical injury.

What are the two types of personal injuries? ›

There are two main types of personal injury compensation damages: compensatory damages and punitive damages.

How is pain and suffering calculated in Georgia? ›

The value of your pain and suffering damages is calculated by multiplying the per diem by the number of days it took you to recover. For example, your doctor released you 250 days after a motorcycle accident. Your per diem is $200. The value of your pain and suffering damages would be $50,000 ($200 x 250).

Is Georgia a no fault state? ›

Georgia is a “fault” state when it comes to auto insurance claims, which means when you get hurt in a car accident due to someone else's negligence, you have three options for seeking compensation for injuries and damages.

Is it worse to be rear ended while stopped? ›

Head, neck, and back injuries are extremely common in rear-end accidents, especially when the vehicle hit was stopped completely. That vehicle's driver and passengers take on the full force of the impact. In severe rear-end collisions, traumatic brain injuries, spinal cord injuries, and internal bleeding can occur.

Who decides compensation? ›

Employers decide how much they pay their employees by establishing a salary range. A salary range consists of a minimum pay rate, middle-range possibilities for pay increases and a maximum pay rate.

How are motor accident claims calculated? ›

An addition of 50% of actual salary to the deceased's income relative to future prospects, where the deceased had a permanent job and was under 40 years old. The addition should be 30% if the age of the deceased was between 40 and 50 years. If the deceased was between the age of 50 and 60, the addition must be 15%.

How are personal injury claims valued? ›

How A Personal Injury Claim Is Calculated. The amount of compensation is usually directly proportional to the extent of injury that the pursuer has suffered. This generally means, that the more severe your injury, the higher the amount of compensation you would expect to receive.


1. 71% of Personal Injury Claims are WORTHLESS
(JZ helps (a Florida injury law firm))
2. 7 Dirty Tricks Insurance Companies Will Play After an Auto Accident | Denmon Pearlman Law
(Denmon Pearlman Law)
3. Pain and Suffering Claims and Settlements (Ultimate Guide)
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4. Uber Accident Claims, Settlements, Insurance and Secrets
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5. $90,000 Progressive Accident Settlement (Pedestrian Hit by Car)
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6. What Your Insurance Company Doesn't Want You To Know Regarding Your Insurance Claim
(Merlin Law Group)

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