How to Negotiate a Personal Injury Claim with Progressive Insurance
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Progressive Insurance is one of the largest insurance companies in the United States. Chances are you’ve seen Progressive in commercials or online. Over the years, Progressive has made its way into the top 5 largest insurance companies in the nation. In fact, Progressive has become one of the largest auto insurance providers in the country, covering approximately 11 million vehicles. What this means is that if you find yourself to be the victim in an accident, there’s a high likelihood that you or the other party has Progressive insurance.
For these reasons, it is important to be aware of some tips and tricks when dealing with Progressive. Primarily, it is important to remember the top priority of an insurance company like Progressive: making money. This means that they will do whatever it takes to pay as little out as possible on claims. This is why it’s important to be prepared for the negotiation process so that you can receive a settlement offer that is truly fair for the injury you suffered. In this article, you will find information on the negotiation process and some tips on dealing with Progressive claims adjusters to make sure you have the best chance of receiving just compensation.
Should I Contact an Attorney?
When it comes to dealing directly with an insurance company, a very important decision to make is whether or not you should contact an attorney. When making this decision, it is important to keep in mind the benefits an attorney can give you when dealing with an insurance company like Progressive. An experienced personal injury attorney who has dealt with Progressive in the past and understands their negotiating strategy can help you immensely. Consulting an experienced attorney can be the deciding factor on whether you get an undervalued offer, or you receive the amount you were truly hoping for.
If you or a loved one has been injured in an accident, you may be overwhelmed or confused as to how to handle the insurance company. Don’t let yourself be taken advantage of. Consult an experienced personal injury attorney who will be with you every step of the way and who will fight for your best interest. An experienced personal injury attorney can level the playing field and do everything in their power to make sure the process is fair.
How Do I File a Claim?
To file a claim your first step should be to contact Progressive as soon as possible. Progressive is available 24/7 through online services or by phone. Progressive, like most other insurance companies, uses claims adjusters to analyze claims as they come in and determine how much compensation should be awarded. When you contact Progressive to file a claim you will likely be assigned a claims adjuster who will work on your case. But remember, the claims adjuster works for Progressive and has Progressive’s top priority in their mind every step of the way: making money. This means that the Progressive claims adjusters have an incentive to negotiate your settlement offer down as much as possible in order to make Progressive money. After all, insurance companies make money by paying out the least amount of money you are willing to accept.
What Information Do I Need When Filing a Claim?
When negotiating with Progressive it is almost always beneficial to be over-prepared. This means you should gather all of the documents and information relating to the accident. Some documents you should certainly consider having at the ready include:
- Medical records or bills
- Repair bills
- Accident or crash reports
- Witness statements
- Evidence of lost wages
- Evidence of pain and suffering
- Incidental costs
But remember, just because it may be important for you to have this information readily available when negotiating with Progressive, that does not mean that you should simply provide them with all of this information. Keep in mind that Progressive is working to make money, and they try their best to use any information you give them against you. When determining what information the insurance company should have, consider consulting an experienced personal injury attorney who can walk through all of the information with you and explore your options.
How Much Will My Settlement Be?
It is important to remember that every case is different and has a unique set of facts. For this reason, it is almost impossible to give a perfectly accurate estimate as to how much your specific settlement may be. To get the most accurate estimate possible consider consulting an experienced personal injury attorney who has dealt with Progressive in the past. It is likely that they have dealt with a case with similar facts and can give you a more accurate estimate than you may be able to come up with on your own.
When calculating how much you should expect from your settlement, the nature and severity of the injuries sustained will likely have the highest impact. The more serious your injuries, the higher the likelihood that the expenses you incurred because of those injuries are higher leading to a larger settlement. Another important number to keep in mind is the insurance policy limit. Insurance policy limits have the ability to keep settlement offers low. What this means is that insurance companies will likely be unwilling to offer settlements above their policy limits even if the facts of your case warrant it. Other factors that may affect the value of a settlement offer include whether you hire a lawyer and whether you take steps to get the courts involved.
Another extremely important piece of information to remember is that insurance companies like Progressive will most likely offer you a low value settlement as their first offer. They will do this in hopes that you will accept the very first offer to get the process handled as quickly as possible. This is a very common tactic employed by insurance companies like Progressive. With this in mind you should be prepared for negotiations and consider consulting an experienced personal injury attorney who has dealt with Progressive claims adjusters in the past.
Tips for Negotiating with Progressive
- Consult an Experienced Personal Injury Attorney
By speaking to an experienced personal injury attorney you can be better prepared to deal with Progressive than if you were simply negotiating on your own behalf. When an insurance company, including Progressive, hears that you have contacted an attorney their tone in the negotiations will almost always change. They will treat you more fairly and take your claim more seriously knowing that you have an experienced professional on your side.
- Be More Prepared Than You Think You Need to Be
Be prepared to negotiate with a claims adjuster who negotiates insurance claims on a daily basis. Know what you’re going to say before you say it and prepare responses for potential questions or statements made by the claims adjuster during the course of negotiations. Have all of the facts of your injury readily available and be ready to explain why you deserve rightful compensation.
- Keep Everything
Keep all of the bills and evidence of any and all expenses that were incurred because of the injury you suffered. The more evidence you have the higher the likelihood that Progressive will have to offer you a higher settlement. It is very difficult to argue with numbers. Keeping all of this information can help you receive rightful compensation for the injuries you sustained.
- Value Your Claim
Prepare a minimum amount you are willing to accept from an insurance settlement. Calculate this number using the money you spent dealing with your injury, any expenses incurred due to repairs, and any future losses as a result of your injury. Have a bottom line ready. Remember that Progressive will likely offer you low settlements so keep this number in mind throughout the negotiation process. But an extremely important piece of information to remember is not to tell this number to the claims adjuster. Again, remember that with anything you tell the claims adjuster, they may try and find a way to use against you.
- Consider Your Legal Options
It is always possible that negotiations with an insurance company break down and for this reason it is of the utmost importance to have options. Although going through the courts is usually no one’s first choice, it may be some people’s only choice. If you can’t reach an agreement with Progressive, you may want to speak with an attorney to decide if filing a lawsuit in court in order to receive compensation is in your best interest. Taking your claim to court is sometimes a risky endeavor so try and work closely with your experienced personal injury attorney to make sure you receive a fair and just settlement outside of court.
Our Denver Accident Attorneys Can Help
Dealing with insurance companies by yourself is a risky task that may prevent you from seeking the compensation you deserve. Instead, allow the experienced accident attorneys from Zinda Law Group to handle your negotiations with Progressive Insurance.
Contact Zinda Law Group today at 800-863-5312 for a free consultation and learn how we can help you with your claim if you were hurt by a driver insured by Progressive Insurance.
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