Progressive Insurance: Claims and Settlements
Progressive Insurance insures about 11 million cars and trucks in the United States. The company also writes some commericial policies and insurer bikes and boats. But its bread and butter is car insurance.
Progressive has come a long way since it began selling car insurance in 1937. It has made good use of the Internet as a means of decreasing the costs of selling insurance and has a hip and appealing advertising campaign that seeks to position itself as, not surprisingly, a "progressive" company.
On this page, we discuss:
- Trying to Settle with Progressive Out-of-Court
- Progressive's Typically Small Policies
- How This Insurer Acts After Suit is Filed
- Sample Settlements and Verdicts Against Progressive
- How You Can Fight Back
In Maryland, Progressive has good adjusters that respond promptly and professionally to our accident lawyers. But Progressive’s settlement offers in traffic accident cases in Maryland are simply below offers you would expect from the average car insurance company in an accident case. In most Maryland accident claims against Progressive, the statistics for similar accident cases will dictate filing a lawsuit.Typical Size of Progressive Insurance Policies
Another thought on Progressive Insurance, at least based on our experience in Maryland: it writes smaller liability policies. Progressive seems to write a lot of $30,000, $50,000, and $100,000 per victim policies for injury claims. So if you are a personal injury lawyer with a serious injury claim against Progressive, do not be surprised if the coverage is limited and you need to turn to your client's uninsured motorist policy to make up the difference (or stack on top in some states). Given these small policies, as tough of a stand as it takes on settlements before a lawsuit is filed, if you are an accident lawyer with a case that could exceed the policy limits, you need to send out a bad faith letter as soon as you realize the policy may not cover the loss.Dealing with Progressive on Settlement After a Lawsuit Is Filed
Progressive Insurance in Maryland is far more reasonable after a settlement offer has been rejected and a lawsuit has been filed. A part of the reason for that is practical: its in-house counsel, the Law Office of Donald Speidel, based in Owings Mills, has only four lawyers. While they are good attorneys, four lawyers can only handle so many cases given its market share in Maryland. Accordingly, victims typically get more reasonable offers after suit has been filed. (We may hate this practice but it may well be a good business model for them, statistically, becaus so many attorneys and plantiff simply back down from the fight)Accident Lawyers Handling Progressive Claims
If you have been injured in an automobile accident in Maryland call us at 800-553-8082 or click here for a free consultation.Jury Verdicts and Settlements involving Progressive Insurance
Below is a sampling of jury verdicts and settlements with this insurer in motor vehicle crash cases. There are a number of Maryland cases in here but not many. Progressive write small policies in Maryland and rarely lets a case go to trial where there is any risk of a big verdict.
We complied this list from a variety of sources, including our lawyers' own settlements and verdicts with Progressive and/or their insureds. There is no scientific methodology to this sampling - they are cherry picked cases that are certainly not a clear reflection of the value of your injury claim.
There is no reason to believe that your lawsuit will be more (or less) successful than these. Certainly, we think the comparisons have value or we would not be putting up this information. But they are just one piece of the puzzle of determining the value of an individual claim.