How Our Lawyers Handle a Progressive Injury Claim

How Our Lawyers Handle a Progressive Injury Claim

Progressive Insurance Company (est. 1937) says it provides "basic insurance anyone can afford." However, while you might afford its insurance, you might not appreciate how it handles and devalues many injury claims.

Suppose you find yourself in an accident where you've sustained injuries, and you or the other driver has a Progressive insurance policy. In that case, you need a personal injury lawyer who knows their policies and practices.

Data from the National Association of Insurance Commissioners suggests that Progressive has received relatively more complaints about auto insurance than other companies of its size. Unfortunately, some people who suffered injuries faced challenges with their Progressive claims, especially when they lacked legal representation.

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What Is an Injury Claim?

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An injury claim is the legal process through which an individual seeks compensation for injuries due to another party's negligence, recklessness, or wrongful actions.

This compensation typically comes from the responsible party's insurance company, and the goal is to receive financial compensation for the damages and losses incurred due to the injury.

Injury claims can arise from a wide range of situations, including motor vehicle accidents, slip-and-fall accidents, medical malpractice, product defects, workplace incidents, dog bites, and other accidents and incidents. To initiate an injury claim, the injured party, known as the plaintiff, typically engages the services of a personal injury attorney.

The attorney:

  • Evaluates the circumstances of the case
  • Gathers evidence
  • Communicate with insurance companies
  • Negotiates on behalf of the plaintiff to secure a fair settlement

The compensation sought in an injury claim can cover various types of damages, including:

  • Medical Expenses: This includes costs related to medical care, including emergency services, surgeries, hospital stays, medications, rehabilitation, and continued medical treatment.
  • Lost Wages and Income: Compensation for the income lost due to the inability to work during recovery, time off of work to attend medical appointments, or due to long-term disabilities caused by the injury.
  • Pain and Suffering: Non-economic damages should account for the physical and emotional distress experienced due to the injury.
  • Property Damage: When the injury is associated with damage to personal property, such as in a car accident, the injured party deserves compensation to repair or purchase new property.
  • Loss of Enjoyment of Life: Compensation for the loss of ability to enjoy life's activities and experiences as before the injury.
  • Punitive Damages: In situations with extreme negligence or intentional harm, such as a drunk driving accident, the courts may award punitive damages to punish the responsible party.

Negotiations between the plaintiff's attorney and the insurance company are standard throughout the injury claim process. Suppose they cannot reach a fair settlement through negotiation. In that case, the case may proceed to litigation involving a lawsuit and potential trial.

Injury claims provide a legal path for individuals to seek justice and financial recovery after suffering harm from someone else's actions. Consulting an experienced personal injury attorney is crucial to ensure the best possible outcome and navigate the legal process's complexities.

What is Bad Faith?

All claimants should know that insurance companies must engage in thorough and fair investigations, negotiations, and settlements for claims.

Signs that an insurance company is using bad faith practices include:

  • Neglecting to investigate the claim properly
  • Unreasonable delays in processing
  • Failing to maintain effective communication
  • Misinterpreting the terms of the policy
  • Omitting critical information
  • Offering inadequate claim payments
  • Unjustified denial of coverage
  • Rejecting legitimate requests for documentation

Initiating a Progressive Insurance Claim

When a motor vehicle accident occurs, either driver may report the accident to their insurance company or the at-fault party's insurance company. If the at-fault party has yet to report the accident to Progressive, the injured party has the right to do so. Getting the auto accident claims process started immediately is in your best interest.

If a car accident attorney represents you, they will contact Progressive on your behalf to initiate your claim. Progressive will then assign your claim to one of its claims adjusters.

It's the job of the claims adjuster to:

  • Carefully review the information and documentation about the claim
  • Contact each party to request a recorded statement/interview
  • Collect and preserve additional evidence related to the claim—such as eyewitness statements, pictures, or video footage of the accident

Be Careful Interacting With Progressive

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When navigating interactions with any car insurance company, you must recognize that the claims adjuster might come across as sympathetic, compassionate, and approachable.

However, the claims adjuster and anyone representing Progressive or their legal representatives advocate for the company's interests, not yours.

Knowing this, exercising caution in your communication with them is essential to the success of your claim. Don't admit fault or disclose details of the accident. While responding truthfully to their questions, avoiding speculating on answers or volunteering additional information is advised. The insurance representative can record your conversations to use to their advantage.

In addition, refrain from discussing your medical condition with the adjuster and stop short of signing any medical record release without seeking legal counsel. They can exploit medical history unrelated to your accident-related injuries to reduce their settlement offer.

Any statements you make, whether recorded or not, can be wielded by Progressive to minimize future settlement propositions. The claims adjuster's role involves securing the lowest feasible settlement on behalf of Progressive. As such, their strategies may involve leveraging your statements to achieve this goal.

What If the Claims Adjuster Requests a Recorded Statement?

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Following a car accident, it's typical for the insurance company to seek a recorded statement from you. However, providing such a statement can often be detrimental to your claim rather than beneficial.

An accident creates emotional distress. Refrain from giving a recorded statement or responding to inquiries from the insurance company, especially if you're experiencing pain, under medication, tired, or emotionally overwhelmed.

The claims adjuster might assert that a recorded statement is necessary for claim processing. While your insurance policy might contain a Cooperation Clause mandating sharing certain information with your insurer, you are not obligated to provide a recorded statement if you're pursuing a third-party injury claim against someone else's insurance company.

Questioning during a recorded statement can pose potential risks, for example:

  • Crash Details: Accident victims are often shaken and may not clearly understand how the accident occurred. This confusion can lead to inaccurate information or a false assumption of responsibility, even if you weren't at fault.
  • Extent of Injury: In the immediate aftermath of a crash, the full extent of your injuries might not be apparent, and there might not be a complete understanding of the treatment you need. Providing premature or incomplete information about your injuries can affect your compensation.
  • Past Accidents or Claims: Claims adjusters are skilled at asking questions that can lead to misleading answers about your claims history or actions. These inquiries often portray you in a negative light.

It's best to consult a skilled personal injury lawyer before providing a recorded statement. They can protect your legal rights and ensure you're not accidentally compromising your claim due to the confusion and stress following the accident.

Negotiating With Progressive

Navigating the negotiation process for an insurance settlement can feel daunting. Often, insurance adjusters kick off the proceedings with a lowball offer, aiming to temper your expectations about the compensation you rightfully deserve.

Exercise caution if you decide to engage in settlement negotiations on your own. Even if an offer seems reasonable, accepting it without a clear grasp of your claim's value is unwise.

Insurance representatives often follow a strategy that starts with outright denying your entitlement to compensation or attempting to downplay the amount they should provide. They might allege that your injuries aren't real, were caused by a prior incident, or even suggest that the medical care you received was unnecessary.

Enlisting the help of a seasoned car accident attorney proves invaluable in dealing with insurance companies. Your attorney will thoroughly examine the insurance policy, establish the negligence or recklessness of the insured party, and thus establish the financial liability of the insured and the insurance company.

When negotiating with Progressive, one of our first steps is to determine the exact value of your claim. This process is often more complicated than it appears.

While certain losses, such as medical expenses and lost income, can be quantified with relative ease, evaluating the severity of your injuries, the anticipated recovery timeline, and the potential long-term repercussions demands time and careful consideration.

Assigning a tangible value to these damages can be challenging, often requiring insights from medical and economic experts. Your attorney is well-versed in assessing your current and future financial needs and will likely draft a demand letter requesting the necessary compensation up to the at-fault party's policy limit.

At that point, the ball is in Progressive's court. You should expect it to counter with an offer that generally falls short of your requested amount, initiating a back-and-forth negotiation process.

In some instances, the insurance company might resist negotiation efforts altogether, which is when an attorney's assistance becomes even more valuable.

Sometimes, filing a personal injury lawsuit is the only way to let Progressive know that you and your attorney are serious about obtaining compensation for your injuries and damages. It demonstrates your commitment to pursuing the claim. It moves the matter toward resolution so that you can move on with your life.

When handling a Progressive injury claim, our experienced team of lawyers follows a strategic and comprehensive approach to protect our client's rights and pursue fair compensation. Here's an overview of how we navigate the process:

Initial Consultation

We begin by offering a free initial consultation where we listen attentively to your account of the accident, injuries, and the impact on your life. This meeting helps us understand the specifics of your case and determine the best course of action.

Thorough Investigation

Our legal team conducts a meticulous investigation into the accident. We gather evidence such as police reports, medical records, eyewitness accounts, and any available photographic or video documentation. This information forms the foundation for building a solid case on your behalf.

Assessment of Damages

Understanding the total extent of your damages is crucial. Our lawyers work closely with medical experts to assess your injuries, treatment plans, and potential long-term effects. Then, we can calculate your current medical expenses and any future costs that may arise.

Engaging with Progressive

We communicate directly with Progressive's claims adjusters, ensuring we present a compelling case backed by evidence. Our experienced negotiators are skilled at countering lowball offers and advocating for the compensation you deserve.

You don't have to interact with anyone from Progressive—this protects your claim and gives you the space you need to recover from your injuries.

Experienced Negotiations

We engage in rigorous negotiations with Progressive to secure a fair settlement covering your medical bills, lost income, pain and suffering, and other related damages. We aim to ensure you're not left burdened by unforeseen financial hardships.

Preparation for Litigation

While most cases settle out of court, we are fully prepared to take your case to trial if necessary. Our attorneys carefully prepare for litigation, gathering additional evidence and building a solid argument for a judge and jury.

Transparent Communication

Throughout the process, we maintain open and transparent communication with you. We keep you updated on the progress of your case, explain your legal options, and provide professional recommendations based on our experience.

Client-Centered Approach

We center our approach on your well-being. We prioritize your physical, emotional, and financial recovery. Our skilled lawyers tirelessly uphold your rights and ensure you receive the compensation you deserve.

Maximizing Compensation

Jeff Morris, Personal Injury Lawyer
Personal Injury Attorney, Jeff Morris

Our ultimate goal is to secure the maximum compensation for your injuries and losses. We consider all facets of your case and leverage our skills and experience to fight for a fair outcome.

Our dedicated team of lawyers is committed to advocating for your best interests at every stage of the process. Whether through negotiation or litigation, we strive to ensure that you receive the justice and compensation you deserve for the challenges you faced due to the accident.

Don't let Progressive intimidate you. Call our law firm for help instead.


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At Morris Law Accident Injury Lawyers, we have provided compassionate and aggressive counsel to personal injury victims in Horry County, Aiken County, and throughout South Carolina since 2016. We are available 24/7/365 days of the year. Reach out and get your case evaluated at no cost.