Increase your Progressive settlement offer after an accident Injured? Lawyer up before you sign a check.

Progressive Settlement Payout Process:

Progressive claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 776-4737.
Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of injury discovery date.”
Repair shops: Progressive requests insurance customers to use a Progressive-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
Settlement negotiation: Insurance companies like Progressive Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages.
Reviews for Progressive Insurance Association: Progressive Google Review page

How can I get a higher settlement from my Progressive Insurance Claim?

Progressive sells itself as the innovator of the insurance industry and is one of the five biggest U.S. auto insurance providers. They succeed at making shopping for auto insurance policies simple and convenient, but when it’s time to cover the cost of your auto accident or hit and run accident, it may not be as quite as easy for injured car accident victims to collect the compensation they deserve. No matter what an insurance company calls itself, the bottom line is the same: they say and do whatever it takes to make auto accident claims go away for as little money as possible. Warshafsky's top-rated team of Milwaukee auto accident lawyers, on the other hand, will fight for your right to fair compensation.

Things can get more complicated when your injury occurred on workplace property while using workplace vehicles, or while carrying out the duties of your job. Schedule a free consultation with a workers' compensation attorney to discuss the true value of your claim. Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, make a counteroffer and don't let the insurance company lowball you.

Factors affecting your Progressive payout

Before you receive a settlement check, you can expect a liability examiner from Progressive to interview everyone involved in the accident, gathering further information from:

Accident location photos and measurements
Witness statements and police reports
Independent repair estimate research

Insurers will seek out information they can use to deny, dispute or delay your claim in order to save money. Expressing concern for your situation may be genuine, but telling you they’ll take care of you is a strategy. The best way to avoid being taken advantage of by insurance company tactics is to consult an attorney and let a professional handle communication going forward to increase your settlement amount.

DIY Personal injury claims: handling a Progressive claim on your own

You may be wondering how to file a personal injury claim without a lawyer. The claims process has many pitfalls for the inexperienced. If you decide to go it alone, be cautious and get informed about common insurance company practices used to keep you from getting a fair settlement. There’s a statute of limitations on personal injury lawsuits, and once time runs out, you’re stuck with whatever they feel like offering you. Insurance companies have many delay tactics for this very reason. After an accident, you get ONE chance to recover the damages you need to put your life back together. Your best chance of getting a fair settlement offer from Progressive is with an experienced personal injury attorney on your side.

DIY insurance claim tips:

Keep your guard up. It’s safe to assume every time you talk on the phone to anyone at your insurance company, it’s being recorded. Even a small inconsistency in your answers or an innocent mistake can be used to deny or dispute your claim.
Don’t take your eyes off the bottom line. The claims adjuster probably is a nice person, but everything they say and do is calculated to minimize or dismiss your claim.
Get it in writing. Communicate with your insurer by letter or email to create proof of your actions. Follow up phone conversations with a short note to confirm the statements and promises made by the representative. If the insurance company later disputes the accuracy or timeliness of your submissions, you’ll have the evidence.
Know what you’re up against. Any company representative you talk to is backed by legions of professionals (including attorneys) dedicated to limiting or eliminating settlements.

How to negotiate against a lowball settlement offer

The best way to improve your odds of a fair payout from an insurer is to contact a personal injury lawyer and let a professional deal with the legions of trained representatives and attorneys working for the insurance company.
Although a lawyer is your best bet, there are some tips you can try to help you increase your settlement amount:

1. Be prepared. Be able to explain the reason for your claim and to prove the value of your pain and suffering with specific points.

2. Save receipts and medical bills, recent paystubs, mileage driving to and from the doctor, and anything else to show the value of your claim.

3. Stay cool. When you get a lowball offer, stay calm and be polite. The rep you speak with may only be authorized to offer up to a certain amount. If necessary, ask to speak to a different claim adjuster or supervisor.

4. Go the distance. Insurers KNOW you’re facing a growing pile of medical expenses and unpaid bills. They count on the financial stress and frustration with the process to work in their favor. Don’t fold, and don’t sign a check for less than you deserve.

5. Know what your claim is worth. Some costs are easy to identify, like your hospital bills and car repairs. Calculating lost wages and pain and suffering is far more complicated.

Additional personal injury claim costs to consider:

Property damage
Car rental
Deductible
Hospital deductible
Non-prescription medical expenses (bandages, braces, etc)
Chiropractic care
Future medical expenses
Subrogation

Knowing what your claim is worth: Progressive settlement amounts

It’s easy for insurance companies to give their policyholders the runaround, but the situation changes quickly when you have an attorney representing you. Especially if it’s an attorney with Warshafsky Law.

Unlike “sign and settle” law firms that encourage their clients to accept whatever lowball settlement offer the insurance company offers so they can move on to the next case, Warshafsky Law is known for aggressive representation. We prepare every case for trial from day one, and insurance companies know our reputation for winning big for our clients. We've handled Progressive, GEICO, Allstate and State Farm insurance claims with success, along with numerous other insurance companies.

When Progressive Insurance gets notified you’re being represented by Warshafsky Law, their settlement offer is likely to suddenly become more generous. If it’s a reasonable offer—one that covers all your expenses—we’ll advise you to take it. If not, we’ll take the case to court to ensure you get everything you’re owed.

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6 WI Car Accident Laws that Impact your claim

What to know about Progressive repairs after your car accident

A "Progressive repair shop in Wisconsin" is a myth, plus 3 other lies

Lie #1: “We’d like to get this taken care of for you as quickly as possible.”

When the Progressive Insurance rep tells you “I know how frustrating this must be” and “We want to get this taken care of for you as quickly as possible,” watch out. They know how inconvenient it is to be without a car, so they know you’ll probably go along with whatever they propose for getting the work done.

Lie #2: “There’s a Progressive shop near you…”

The truth is that no one working for Progressive Insurance is looking out for your best interests. They’re looking to pay the least amount possible. And this includes whichever shop will do the work for the least amount of money. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop. If there’s a body shop you know and trust and you’d rather have them work on your car, tell the insurance company.

Lie #3: “Aftermarket parts are just as good as the OEM parts”

Progressive Insurance (and other insurance companies) will tell you aftermarket parts are fine, of course. They’re looking for the cheapest possible way to get your car repaired. Aftermarket parts are notorious for not fitting like OEM parts, not lasting as long, and not working as well as OEM parts.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll get is that their settlement offer is the best they can do. Question this and they’ll tell you how the dollar amount was carefully calculated to cover all reasonable costs. Actually, it was calculated to cost them the least amount possible. As soon as you cash a settlement check, you’ve waived your right to litigate for a higher settlement. Instead, get the opinion of an experienced personal injury attorney.

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Milwaukee Personal Injury Lawsuits Frequently Asked Questions

How do I get my Progressive settlement check?

Reporting a claim with Progressive is easily done online, over the phone or using the mobile app. Insurance companies are eager to make filing a claim as easy and fast as they can for youâ€”hoping you'll quickly accept a lowball offer so they can cross your claim off their ledger. Eventually, they'll send you a settlement offer in the form of a check. Keep in mind that this is just an offer, and can be negotiated.

When can I expect to get my funds after a personal injury settlement?

Expect to receive funds roughly five to six weeks after your personal injury settlement. A delay can occur due to specific processes of the insurance company or debts and payments.

Does Warshafsky charge you if your case is lost?

If a case is lost, Warshafsky will not charge you. We pride ourselves on our No Win, No Fee policy.

Will Progressive raise your insurance rates after an accident?

If you were involved in an at-fault accident, Progressive may raise your insurance rates. An at-fault auto accident may increase your rate by an average of 41%.

How can I negotiate settlement amounts with Progressive?

Improve the odds of your Progressive insurance payout by contacting a personal injury lawyer to deal with the legions of trained representatives and attorneys at the insurance company.