Chicago Progressive Insurance Auto Accident Claims Lawyer
The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC have years of experience in litigating major insurance companies, including the Progressive Insurance Corporation.
Our legal team stands beside our injured clients to ensure they are adequately compensated for their damages. We have successfully resolved hundreds of auto injury claims and are ready to handle your case.
Contact us today at (888) 424-5757 to schedule a free, no-obligation consultation. We accept all personal injury and wrongful death claims involving auto accidents through contingency fee agreements.
This arrangement will postpone payment of our legal services until after your case is resolved through a negotiated settlement or jury trial award. If we are unable to secure financial compensation on your behalf, you owe us nothing.
Our Chicago car accident lawyers currently represent clients with serious injuries and property damage throughout the United States, Illinois, and in the following localities: Cook County, DuPage County, Kane County, Lake County, Will County, Aurora, Elgin, Naperville, and Schaumburg.
Progressive Insurance Auto Accident Claims FAQs
Does Progressive pay Well on Claims?
Suppose you file a claim against Progressive Auto Insurance due to an accident caused by a policyholder. In that case, the insurer will initiate the legal process of hiring a claims adjuster to handle your case.
Often, the claims adjuster will offer a nearly immediate financial settlement in the hopes of the victim to agree to the offer before realizing all their damages and injuries.
Research shows that Progressive's average settlement is $10,000 or less when settling auto policy bodily injury liability claims. However, an attorney working on behalf of the victim can seek maximum compensation far above the insurer's lowball offer by going after the insurance coverage policy limits.
How Long Does Progressive Insurance Take to Settle a Claim?
A Progressive Insurance claims adjuster could resolve a compensation claim in as little as two weeks. However, the amount of time it takes to repair the vehicle's damage and allow the victim to heal completely might take significantly longer.
Settling the claim too quickly might be costly to the injured victim when repair technicians find other damages to the car caused by the crash. The victim might also have more extensive injuries or die from medical complications in the weeks and months following the crash.
How do I Make an Insurance Claim with Progressive?
Any injured victim can file a compensation claim in numerous ways, including talking to the company by phone (800) 776-4737, chatting online, or through its mobile app. A claims adjuster will inspect the damage and provide various repair options.
However, the victim with damages caused by the Progressive policyholder's careless actions (the motorist at-fault) can pick any auto body shop to repair the damages to their vehicle and seek immediate medical care from any doctor of their choosing.
What do I do if I get in a Car Accident Involving Progressive?
If you have been injured in an accident caused by a Progressive Insurance policyholder's careless actions, there are specific steps to take to ensure you receive compensation. Remain at the scene of the accident and do not admit fault to anyone, including the police.
Ensure that your vehicle is in a safe location and stay off the roadway. Exchange information with the other drivers and eyewitnesses and call all insurance companies involved to start the compensation process.
How Much Does Progressive pay for Pain-And-Suffering?
On average, Progressive Insurance will resolve compensation claims out of court for $20,000 or less based on the liability limits and its bodily injury coverage. However, injured victims might seek more compensation to cover their non-tangible damages, including mental anguish, emotional trauma, pain-and-suffering caused by the collision.
The claims adjuster might not follow the car insurance policy limits to ensure the victim is adequately compensated for severe injuries or wrongful death. Personal injury attorneys working on behalf of the accident victim can hold the insurer's accountable to ensure their clients are made whole.
How Much Should I sue for Pain-and-Suffering?
Valuing the worth of non-tangible injuries, including pain-and-suffering, can be challenging at best. An attorney working on your behalf will usually file a civil lawsuit claiming non-economic damages three to five times over all other expenses, including medical bills, hospitalization costs, lost work, and the cost of ongoing medical treatment.
Background on Progressive Insurance
Founded in Mayfield, Ohio 1937, Progressive Insurance has remained in the top ten of the major insurance companies after GEICO, State Farm, and Allstate insurance companies providing numerous products in different categories, including insurance, product liability, maritime disputes, corporate governance, and employment and labor insurance.
Worth billions of dollars, the company generates over $20 billion every year in premiums and pays out millions to victims injured by Progressive Insurance policyholders. The company remains a market leader in the United States insurance industry in automobile insurance specializing in passenger vehicles, trucks, boats, motorcycles, and other recreational vehicles.
Progressive also provides insurance coverage solutions for commercial vehicles, including company trucks, vans, and cars.
Progressive is Known for Under-Valuing Bodily Injury Claims
Like most insurance companies, the Progressive Corporation is a for-profit corporation that must maintain a specific profitability level to keep their shareholders happy. To do that, they provide incentives to claims adjusters to settle cases for victims of auto accidents for significantly less than the fair value of the case.
Resolving a claim for less than what it is worth can generate profits for the company at the victims' expense. Unfortunately, all insurance companies, including Progressive, have extensive experience in negotiating settlements every day. Their experience is significantly different from an average victim who rarely, if ever, goes through the claims process to obtain compensation for their damages.
Since the insurance company follows proven strategies and tactics to determine the claim's value, including using the infamous Colossus computer algorithm, they follow a specific protocol in deciding what every bodily injury case is worth, including yours. To successfully resolve your auto injury case for fair value, you will need to be diligent in proving your side of the claim.
Taking the First Step
Most victims of Chicago motor vehicle accidents are overwhelmed by filing and resolving a claim and instead turn to an experienced personal injury lawyer's skills to handle their case for them. The lawyer will gather evidence and facts involving the case that might include:
- The filed police report that was written at the scene of the accident,
- Past and present medical records that identify new injuries caused in the crash,
- Bills involved in the collision including hospitalization expenses, medical bills, and lost wages due to time away from work,
- Testimony from medical and legal expert witnesses who can prove the extent of the victim's injuries and who is at fault for causing the accident,
- Photographic evidence from the accident scene and property damage
- Eyewitness accounts from those who witnessed the event,
- Evidence acquired from all vehicles involved in the crash, including the other driver's car,
- Valuation tools are used to determine the value of the victim's non-tangible damages, including pain, suffering, mental anguish, and emotional stress.
Steps to Settle Your Chicago Auto Accident Case
While at the scene of the accident, it is imperative to seek out immediate medical attention. In addition to calling 911 for law enforcement officers to come to the accident scene, you should also request an ambulance to transport you to the nearest emergency room for evaluation and diagnostic tests to determine the extent of your injuries.
Seeking immediate medical care is crucial to proving your case in court, even if you think you are not hurt. You just underwent an intensive event, and your adrenaline is likely soaring, which could cause you to be unaware of the extent of your injuries or any injury at all. Only a doctor with diagnostic tools that performs a comprehensive physical examination can help identify if you are injured and to what extent.
In most cases, the police officer will ask for your testimony while receiving care at the hospital. It is best to tell the law enforcement officer that you will provide the statement they need for their police report after receiving care and speaking to your attorney. In the days following the accident, you will likely file a claim with Progressive Insurance, or another insurance carrier, seeking financial compensation because the other driver is at fault for your damages.
The Claims Adjuster
The claims adjuster or insurance carrier will probably ask that you provide an oral or written statement to tell your side of the story. Our attorneys advise you never to speak to anyone, including the insurance company or their adjuster, without being in the presence of an attorney protecting your rights.
Many insurance companies will use the information you provide as a weapon against you to diminish your case's value or deny your claim outright. Let your attorneys handle the defendant, the defendant's attorneys, the insurance company, and others who need the information to settle your case.
Don't Accept the Settlement Offer
One of the essential tactics an insurance carrier will use is to offer a quick settlement to resolve and close your case. Our attorneys advise you not to accept the initial offer but instead seek out legal representation to help you determine your case's real value.
In the days following the accident, you are likely unaware of the extent of your damages, including how severe your injuries are and what will be required to restore your health, if possible.
Ensure that you receive proper medical care to determine your case's actual value before discussing a settlement amount. Your attorney can help you get proper medical attention without the need to pay out-of-pocket for your care.
Experienced Illinois Auto Accident Attorneys Handling Progressive Insurance Claims
The motor vehicle accident attorneys at Rosenfeld Injury Lawyers LLC understand the hardship victims endure when dealing with Progressive Insurance. We guarantee that our attorneys will work on your behalf to protect your legal interests from the time you retain our legal services and ensure your family receives the financial compensation they deserve.
Our attorneys accept every personal injury claim and wrongful death lawsuit through a contingency fee arrangement. This agreement postpones the payment of our legal services until after we have successfully resolved your case through a jury trial award or negotiated out of court settlement.
Our "No-Win/No-Fee" Guarantee means that if we cannot obtain compensation on your behalf, you will owe us nothing. Time is of the essence in that you must file all the necessary paperwork in the proper Illinois courthouse before the state statute of limitations expires.
Contact our law firm today at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation. All discussions with our law firm remain confidential through an attorney-client relationship.
Our attorneys follow social distancing guidelines to prevent the spread of Covid-19 (coronavirus).