Progressive is one of the big 3 auto insurers in Florida. I’m going to share what I’ve learned after settling many cases with Progressive.
I’ve also sued a driver insured with Progressive.
What is the most common limit of bodily injury insurance on Progressive car insurance policies?
In Florida, most of Progressive’s bodily injury liability (BIL) insurance limits are in the amount of $10,000 per person/$20,000 per accident.
However, I have had at least one case where Progressive insured the careless driver with $1 Million dollars in BIL coverage. In Florida, BIL insurance is not required on most cars. There are some exceptions, like Uber and Lyft whose vehicles must have BIL insurance.
There are other instances where BIL insurance is required.
Is Progressive terrible at paying Florida personal injury claims?
Unfortunately, yes. While Progressive Insurance has funny ads featuring Flo, that’s where the fun stops. Progressive is terrible at paying Florida bodily injury (“BI”) liability insurance claims.
I don’t say this about every auto insurer. In fact, I’ve actually said that some auto insurers are good, like USAA.
However, when it comes to the major personal auto insurers in Florida, Progressive gets the worst ranking. The other three major insurers, State Farm, Geico, Allstate, all pay better than Progressive. Though, they often make lowball offers as well.
Is Progressive Cheap When It Comes to Offering Pain and Suffering Payouts?
Yes. 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.
Is There Any Good News With Progressive in an Auto Accident Case?
Sometimes. There are many terrible BIL auto insurers in Florida. I’m referring to companies, like United Auto, that pay worse than State Farm and Allstate.
Out of the terrible paying insurers, Progressive issues BIL insurance policies with the highest limits. So even though you may have to sue in a case involving Progressive, there may be plenty of insurance available.
Progressive Often Shows Up At Your Home to Settle Your Injury Claim
If someone insured with Progressive caused your injury, Progressive may quickly send an adjuster to your home to try to settle your injury claim. This usually occurs within days after Progressive has notice of the accident.
Days after a crash, a Progressive adjuster may offer you a check for a small amount (usually $1,000 to $3,000) to settle your injury case. (One adjuster, not from Progressive, referred to this process as a “cash out”.)
I don’t know of one other insurer who does this. Sure, other auto insurers will give you a lowball offer, but that usually happens after they’ve seen your medical records and/or bills.
GEICO often sends its field adjusters out with a policy limits check, but that usually only occurs if you have a bad injury and GEICO’s BIL limits are low. For your run of the mill neck and back pain, GEICO won’t send an adjuster to your house to make a $1,000 to $3,000 offer.
The problem is, when Progressive gives you a check, they’ll ask you to sign a settlement release. The release basically says, in exchange for a certain amount of money, you are forever giving up your right to sue Progressive’s insured.
Depositing Progressive’s Check, or Signing the Release, Kills Your Injury Claim
If you deposit the check, you are forever waiving your right to make a personal injury claim.
If your injuries are minor, the accepting the check and signing the release may not be such a big deal. However, it still can be problematic.
On the other hand, if you need future medical care, don’t deposit the check and sign the release. Otherwise, you are kissing your claim goodbye.
Let’s look at some personal injury settlements with Progressive. Below are some of my many injury settlements against Progressive Insurance.
Progressive Pays $10,000 of $210,000 Settlement for Shoulder Surgery from Truck Accident
A truck driver was rear ended by another truck (see above). He claimed that the crash caused or aggravated his shoulder labrum tear.
Travelers insured the careless truck driver. They paid $200,000 to settle my client’s personal injury claim.
My client had $10,000 in underinsured motorist insurance (UIM) coverage with Progressive on his personal car. When the crash happened, he was driving an 18 wheeler owned by his employer.
After initially refusing, Progressive paid me the $10,000 UIM insurance limits. I settled the entire personal injury case for $210,000.
Progressive Pays $50K of $150k Settlement for Back Surgery from Car Crash
A car passenger claimed that an accident caused or aggravated a herniated disc. The passenger had a lower back fusion surgery.
Progressive insured the car that hit him. They paid $50,000 of the settlement.
The passenger had $100,000 of his own underinsured motorist (UIM) coverage on his auto insurance policy. Since he was an occupant of a car at the time of the crash, his UIM insurance was available. His auto insurer paid its $100,000 limits to settle the UIM claim.
Progressive Pays $100,000 of $110,000 Settlement for Face Fracture for Pedestrian Hit By a Car
A female pedestrian was in a crosswalk walking across the street in Homestead, Florida. A driver of a van hit her.
She suffered a fractured bone in her face (below the eye). 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 insured the driver of the van. provided bodily injury coverage under the car’s insurance policy, and paid $10,000.
Driver Gets $75K for Knee Surgery and Injections to Lower Back After Car Accident
A young woman was driving a friend’s car, heading straight on US 1 in Miami, Florida. An SUV was heading in the opposite direction.
The driver of the SUV attempted to make a left-hand turn. They crashed. The damage to the car that the lady was driving can be seen above.
Progressive insured the careless driver. They paid their driver’s insurance limits of $50,000 in bodily injury liability (BIL) coverage.
Allstate paid $25,000 from the UIM coverage. The total settlement was for $75,000. I represented the injured lady.
$57,600 Settlement for Shoulder Surgery After a Car Accident
My client was driving her car. She was hit in a three car collision. She had arthroscopic shoulder surgery.
Progressive insured one of the cars with $10,000 BIL limits. They paid the $10,000 limits.
GEICO insured another car, and paid $47,600 to settle the injury case.
$20,000 Settlement with Progressive for Soft Tissue Injuries from Rollover Crash
A driver got a $20,000 settlement after a truck rear ended him. The actual traffic crash diagram is below.
A truck (vehicle 1 in the above diagram) was heading east. Tracy was driving a pickup truck (vehicle 2). Vehicle 1 hit the back of Tracy’s truck. Tracy’s truck rolled over.
Progressive paid a total of $20,000 to settle the BIL and UIM case. I represented Tracy.
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.
Progressive Pays $10K of $17.5K Settlement for Claim for Spine Pain, and That Crash Caused Her Miscarriage
The victim had pain in her spine. She was in the first trimester of pregnancy at the time of the wreck. Shortly after the accident, she had a miscarriage.
I spoke with several OB/GYN doctors. None could say that the crash caused her miscarriage, since she was in the first trimester.
Progressive insured the careless driver with $10,000 in bodily injury liability (BIL) insurance limits. Nadine Thomas was the Progressive adjuster. Progressive settled for its $10,000 BIL limits.
Allstate, the uninsured motorist insurer, settled for $7,500. The total settlement was for $17,500. I represented the injured woman.
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.
Progressive Settles for $10K Limits for Herniated Disc, But Only After Lawsuit
Jon, a 20 year old man, was driving his mom’s Honda Accord. He was heading southbound on SW 149th Ave in Miami. Another driver, Leo, was driving a Lexus heading east on SW 179th Terrace.
The above diagram shows how the crash happened.
Leo had a stop sign. The Florida traffic crash report said that Leo failed to yield entering the intersection. Jon was unable to avoid Leo’s car. Jon hit Leo.
The damage to Jon’s car can be seen in the photo below.
You can see the damage to Leo’s car below.
Leo’s car spun clockwise causing his driver side rear to hit Jon’s passenger side rear. Jon’s car then left the roadway on the left (east) side coming to rest facing South/East on the grass.
Leo’s Lexus came to rest facing southbound in the center of the intersection. Jon was diagnosed with a herniated disc. Progressive insured the careless driver with a $10,000 BIL policy.
I filed a consumer complaint, and filed a lawsuit against Leo. I didn’t serve Leo, so that I could save my client a few bucks.
Within days, Progressive overnighted a check for the $10,000 policy limits. They increased their offer by over 100%.
My client chose to accept the $10,000 instead of going after the assets of Progressive’s insured.
Sometimes, even in a clear cut case, you may have to sue Progressive to get fair value for your case.
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.
How Much of Your Hospital Bill Will Progressive PIP Insurance Pay?
If you have PIP with Progressive, Progressive is required to pay the hospital according to a formula. To illustrate the formula, we’ll use amounts from a real case (not mine) involving Progressive.
The total hospital charge was $2,781.00. The PIP deductible was $1,000.
The steps to the formula are as follows:
(Total Hospital Charge – Patient’s PIP deductible)
$2,781.00 minus $1,000 = $1,781.00
Then, multiply this amount by 75% per section 627.736(5)(a)1.b.
$1,781 x 75% = $1,335.75
Next, multiply that times 80% applying section 627.736(5)(a)1.
Per Florida law, Progressive owes 80% of that amount.
$1,335.75 x 80% = $1,068.60
But here’s the kicker:
Progressive tried to argue that they owed less than this amount. Progressive Select Insurance Company v. Florida Hospital Medical Center A/A/O Jonathan Parent. The court disagreed. It said that Progressive has to pay PIP benefits using the above formula.
Progressive may be dead wrong when they tell you that they only owe a certain amount.
The injured person can sue the at fault driver to recover the PIP deductible. He or she can also sue for pain, suffering, other medical bills and lost wages.
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. 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.
Can People without Progressive Insurance Track a Claim with Progressive Online?
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
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.
Example of Progressive Owing Duty to Its Insured, But Not the Claimant
Progressive insures Mike’ car. Maria is driving Jose’s car. Mike makes a left hand turn in front of Maria.
Maria crashes into Mike. She 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 By Phone 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.
How to Report an Auto Accident Claim with Progressive By Letter and/or Fax in Florida
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.
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.
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
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 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.
Did someone’s carelessness cause your injury in a Florida car crash or other type of accident?
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Editor’s Note: This post was originally published in April 2014 and has been completely revamped and updated.