Progressive is one of the big 3 auto insurers that I’ve made injury claims against with for car accidents in Florida.
What is the most common limit of bodily injury insurance on Progressive car insurance policies?
In Florida, most Progressive’s bodily injury “BI” liability insurance are in the amount of $10,000 per person/$20,000 per accident.
However, I have had cases where the responsible party had $1 Million dollars in BI liability coverage with Progressive. In Florida, BI insurance is not required on most cars.
Is Progressive terrible at paying Florida personal injury claims?
Unfortunately, yes. Progressive Insurance has funny ads featuring Flo. In my opinion they are terrible at paying Florida bodily injury (“BI”) liability claims.
You might be able to get compensation for pain and suffering if you were hurt in a Florida car accident. Progressive has a reputation for offering a small amount of money for the pain and suffering component of a Florida BI claim.
There is some good news. There are many terrible bodily injury insurers in Florida. Out of these, Progressive issues the largest BI policies.
Personal Injury Settlements With Progressive
Below are just a few of my many injury settlements against Progressive Insurance for car accidents and other motor vehicle accident claims.
My case: $150,000 Settlement (Gross) for a client who had a herniated disc that resulted in a lower back fusion. The driver of car that hit him was insured with Progressive. They paid $50,000 of the settlement and $100,000 was paid by underinsured motorist coverage on his auto insurance policy.
My case: $110,000 Settlement (Gross) for a female pedestrian who suffered a fractured bone in her face (below the eye) when she was hit by a car in Homestead, Florida. She received a ticket.
We settled this case for the Progressive UM policy limits of $100,000. It was under her husband’s Progressive auto insurance policy.
Imperial Fire & Casualty Insurance Company provided bodily injury coverage under the car’s insurance policy, and paid $10,000.
My case: $75,000 Settlement (Gross) for a young woman who had arthroscopic knee surgery and epidural injections to a bulging disc in her lower back (L5-S1). Progressive paid $50,000 under the bodily injury coverage. $25,000 was paid under the underinsured motorist coverage on the car owner’s auto insurance policy (Allstate).
My case: $57,600 Settlement for a client who had arthroscopic shoulder surgery after she was hit by a car insured with Progressive and another car insured with GEICO. Progressive paid $10,000 of the settlement and GEICO paid $47,600.
Progressive Pays $10,000 of $20,000 Settlement for Herniated Disc and Scar
Lisa (not real name) was in a car that was T-boned by another car at an intersection in Miami-Dade County, Florida. Lisa claimed that the accident caused or aggravated a herniated disc in her lower back.
She also claimed that the crash caused a small scar on her body. Progressive paid the $10,000 BI liability insurance limits. Another insurance company paid its $10,000 BI liability insurance limits.
I represented Lisa.
Progressive Pays $10,000 of $20,000 Settlement for Herniated Disc
Henry (not real name) was in a car that was T-boned by another car at an intersection in Miami-Dade County, Florida. Henry claimed that the accident caused or aggravated a herniated disc in her lower back.
Progressive paid the BI liability insurance $10,000 limits. Another insurance company paid its $10,000 BI liability insurance limits.
I represented Henry.
My case: $20,000 Settlement for a woman who claimed a disc protrusion (herniation), which indented on the ventral (spinal) cord. She also had multilevel disc bulges.
My case: $17,500 Settlement for a lady who was hurt in a Miami Beach car crash.
The other driver was suspected of dui/alcohol use. My client had pain in her spine.
Progressive settled for $10,000. Nadine Thomas was the Progressive adjuster.
Allstate, the uninsured motorist insurer, settled for $7,500. The total settlement was for $17,500.
My case: $16,000 Settlement for a man who claimed that his herniated disc was caused when another car hit his truck in Miami, Florida.
Progressive Pays $15,000 for Soft Tissue Injuries from Rollover Crash
A woman was driving her SUV near West Miami and Coral Gables. A pickup truck driver crashed into her.
The impact send her car into a street light. It then rolled over.
The other driver was arrested for drunk driving. Progressive insured his pickup truck.
She claimed soft tissue injuries. Progressive paid $15,000 to settle this case.
I represented the injured driver.
Passenger Gets $14,000 for Soft Tissue Injuries from Rollover Crash
My case: $12,000 Settlement (Gross) for a woman who claimed a herniated disc in her lower back when her SUV was struck by another car in Miami.
My case: $10,000 Settlement paid by Progressive for our client. Another car crashed into his car in Miami Beach.
The other driver was suspected of alcohol/drug use. Progressive insured the other driver for up to $10,000 in bodily injury (“BI”) coverage.
Progressive’s BI claims specialist was Nadine Thomas.
My case: $10,000 Settlement (Gross) Policy Limits for a middle-aged woman who claimed her rotator cuff tear was caused by an accident when she was hit by another car.
My case: $10,000 Settlement (Gross) for a woman who claimed soft tissue injuries. A car, insured with Progressive, hit her car. It happened in Miami, Florida.
Report or Track a Claim a Florida Progressive Claim
There are two types of individuals who report and track claims.
Progressive insureds in Florida
Progressive lets an accident victim report or track a claim. Progressive customers can log in to report or track the claim online.
Warning! Everything that accident victim writes down can be used against him or her. Progressive may be the victim’s insurer. However, it will quickly use the insured’s statement against him or her.
People without Progressive insurance in Florida
Progressive lets anyone with a claim track a claim. Therefore, people with injury claims against Progressive can track their claim.
This is true even if you are not insured with Progressive. In order to view the claim, Progressive must have already created a claim.
The accident victim can find out the contact information (phone number) and other information for the claim representative when he or she views the claim online.
Reporting a Claim with Progressive in Florida
On Progressive’s Reporting a Claim page, Progressive says that they “work with you throughout the entire claims process – from initial response through final resolution – to provide fast, caring service and to settle your claim.”
What does “work with you” mean? (I will answer this by giving an example below.)
Progressive owes a duty to its insured. It does not owe a duty to a third party.
Progressive insures Mike’ car. Maria is driving Jose’s car. Mike makes a left hand turn in front of Maria.
Maria crashes into Mike. Maria claims that the accident caused her herniated disc and knee surgery.
Maria makes a claim against Mike’s bodily injury (“BI”) liability coverage in his Progressive auto policy. Progressive has an obligation to protect Mike’s interest.
This is because Mike is Progressive’s insured. Progressive does not have a duty to protect Maria.
Progressive will “work with Maria” by talking to her. But Progressive’s interest is adverse to Maria’s interest.
Progressive will offer the lowest amount possible to Maria.
What is considered fast service?
Progressive adjusters are more likely to answer the phone (and return calls) than some large self-insured companies like Walt Disney World.
Warning! Progressive has a reputation for offering to settle injury claims quickly after an accident. They may make an offer before the accident victim knows the full extent of his or her injury.
They will want the victim to sign a settlement release. The accident victim should be very careful accepting this offer. If the victim signs a release, he or she is forever barred from making a claim.
Tip! In some situations, the victim may be able to have the release declared as void. This may happen where Progressive settled the case quickly after the accident while the victim was not capable of making an informed decision.
Florida Administrative Rule 69B-220.201 lists the ethical requirements for all adjusters in Florida. This applies to Progressive claims adjusters, including BI claims adjusters.
Subsection (i) says:
“An adjuster shall not attempt to negotiate with or obtain any statement from a claimant or witness at a time that the claimant or witness is, or would reasonably be expected to be, in shock or serious mental or emotional distress as a result of physical, mental, or emotional trauma associated with a loss. The adjuster shall not conclude a settlement when the settlement would be disadvantageous to, or to the detriment of, a claimant who is in the traumatic or distressed state described above.”
So if you were under shock or serious mental or emotional distress as a result of physical, mental or emotional trauma associated with the accident, you may be able to get out the release.
How to Report an Auto Accident Claim with Progressive in Florida:
An accident victim can report a claim to Progressive by calling 1-800-274-4499. A Progressive claims intake person will ask you about the basic facts of the accident.
They will give you a claim number. The claim will be assigned to an injury claim adjuster.
A claims representative may contact you by the end of the business day. The injury claim adjuster will not be available after hours.
By Letter and/or Fax
If a Progressive insured’s carelessness caused your accident in Florida, you can send a letter to Progressive requesting that they disclose certain insurance information.
In Florida, Progressive is required to disclose its insured’s information. This includes, but is not limited to, telling you their insured’s BI liability policy limits.
If your vehicle is damaged, the adjuster may set up a vehicle inspection.
The accident victim should still take several photos of the vehicle. Take photos from both up close and far.
Photos are very important in the personal injury claim.
How to Report a Home Insurance Claim with Progressive in Florida:
Progressive is an agent for home insurance in Florida. It is an agent for home insurance, condo insurance and renters insurance.
Unlike State Farm, Progressive is not a homeowners insurer.
Someone who lives in a home may have caused someone else’s injury. If this happens, the accident victim may have a claim against the careless individual’s home insurance.
The careless party may think that Progressive insures him. In actuality, the claim needs to reported to the actual insurer. Progressive is an agent for the following home insurers:
- Homesite Insurance Group — Report a claim online or call 1-866-621-4823
- IDS/Ameriprise — Call 1-888-894-3523
- American Modern — Call 1-800-543-2644, Option #1
- ASI — Call 1-866-274-5677
- Assurant — Call 1-800-358-0600
- First American — Call 1-866-874-1295
- Foremost — Report a claim online or call 1-800-527-3907
- Occidental/SageSure — Call 1-800-780-8423
- QBE First — Call 1-800-822-2997
- Tower Group — Call 1-877-365-8693
What to Do if You’re in an Accident and Someone has Progressive
If it is safe to do so, take pictures of all vehicles involved. Take pictures of any skid marks.
Stay at the Crash Scene
Move as far off the roadway, but do not leave the accident scene.
Call the Police
If the accident is minor and you are safe, call the local police department. If the accident is severe, call 911.
Never admit fault.
Warning! Be careful when discussing the claim with a Progressive claims representative. They may use what you say against you.
Get Witness Contact Information
Witnesses can help a Florida injury case. See if there were any witnesses who were not an occupant in a vehicle involved in the wreck.
Get the witnesses name, license number, address and phone numbers. Independent witnesses are more likely to help shortly after the accident.
As time passes, most independent witnesses lose interest. They have no financial incentive to help.
3. In Florida, Progressive operates under the following names:
- Progressive Advanced Insurance Company
- Progressive American Insurance Company
- Progressive Bayside Insurance Company
- Progressive Casualty Insurance Company
- Progressive Direct Insurance Company
- Progressive Express Insurance Company
- Progressive Select Insurance Company
- Progressive Southeastern Insurance Company
- Progressive Specialty Insurance Company
The injured victim needs to know the correct name if he or she files a civil remedy notice of insurer violation.
Which Progressive adjusters have I dealt with in Florida accident cases?
- Alfonso Forment
- James Laasko
- Shirley Miranda
- Sharon Smith
- Dozens of others
What Types of Insurance Does Progressive Sell?
These include auto, home, renters, condo, mobile home, motorcycle/ATV. Progressive also insures Boat/PWC, Motorhome, Travel Trailer, Classic Car, Term Life and Business Auto.
Who are the other major Florida auto liability insurers (not mentioned above)?
- Travelers Home and Marine Insurance Company
- Safeco Insurance Company of Illinois (A Liberty Mutual Company)
- 21st Century Centennial Insurance Company (part of the Farmers Insurance Group of Companies)
- Infinity Insurance Company
Did someone’s carelessness cause your injury in a Florida car crash or other type of accident?
See Our Settlements
I am a Miami car accident lawyer. I have settled many Florida injury cases. They include, but not limited to, car accidents, truck accidents, motorcycle accidents, bike accidents, pedestrian accidents, taxi accidents, drunk driving (DUI) accidents.
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My Miami law firm represents people injured anywhere in Florida in car accidents, truck accidents, slip, trip and falls, motorcycle accidents, bike accidents, drunk driving crashes, pedestrian accidents, taxi accidents, accidents involving an Uber or Lyft Driver, and many other types of accidents.
We want to represent you if you were hurt in an accident in Florida. If you were injured in another state but live in Florida, we may also be able to represent you.
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Editor’s Note: This post was originally published in April 2014 and has been completely revamped and updated.