How Does Progressive Insurance Handle Drunk Driving Accident Claims

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If you have recently been the victim of a car accident involving a drunk driver and are negotiating with Progressive Insurance, there are some things you should know. You need to carefully craft your personal injury claim, and use all of the tools at your disposal to maximize your chance at receiving full compensation.

We can help you seek maximum recovery in your negotiations with Progressive Insurance. If you or a loved one has recently been injured by a drunk driver and is seeking a settlement from Progressive Insurance, please call Zinda Law Group at (800) 863-5312 for a free consultation with an El Paso personal injury attorney. You pay nothing unless we win your case. Meetings with appointment by attorneys only.

How to File a Personal Injury Claim

Progressive has invested heavily in their marketing campaigns, and their fictional spokesperson Flo uses her charm to make it seem like dealing with their company is a breeze. However, the truth is that they employ trained adjusters that will put in great effort to minimize the amount of money they owe for a claim.

If you have been hit by a drunk driver and have been injured as a result, you must take care to craft the best personal injury claim you possibly can before sending it to your adjuster at Progressive. If you are unsure what you need to do to maximize your chance of receiving full compensation, it is highly advisable to seek the help of an El Paso car accident attorney for a consultation.

There are two main principles you must keep in mind if you want to craft the best car collision injury claim possible. You must clearly communicate your demands to Progressive in a well-written settlement claim, and stand firm on your initial terms if their adjusters attempt to lower the value of your claim.

Craft a Clear Settlement Demand

In your initial demand letter to Progressive, you must determine the value of your damages and explain in writing why you chose that value. The claim must be supported by compelling evidence.

When calculating your target settlement value, take into account not only tangible monetary costs associated with your injury, such as surgery bills and costs of physical therapy, but also non-economic damages as well. Commonly referred to as pain and suffering, these intangible damages relate to your quality of life and psychological trauma associated with the injury.

In adults, these non-economic damages often takes the form of post-traumatic stress disorder, depression, anxiety, loss of companionship or consortium, and an inability to take part in one’s chores, hobbies, and social events. For children, this can often result in irrational fears of everyday tasks associated with the injury, such as riding in cars after a car accident, or being near a hot stove following a burn injury.

Economic damages will apply to your settlement value in a straightforward way, while non-economic damages do not have an inherent monetary value. For this reason, pain and suffering can be applied as a single monetary value, or a multiplier of the economic damages.

If you or a loved one has been the victim of a drunk driver’s recklessness, make sure to include social media platforms as part of your claim investigation. If the opposing party has documented dangerous behavior on social media, whether directly prior to the car accident, or repeatedly in the past, that evidence can be a very useful part of your claim.

Do not Ask for Anything Less than the Totality of Your Damages

As a claimant, your most important negotiating position is that you have the ability to file a lawsuit if a Progressive adjuster refuses to accept your claim. While many claims do end up settling out of court, it is not uncommon for drunk driving car wreck victims to take their claim to trial.

In order to strengthen your negotiating position, you want to approach your claim with the mindset that if an adjuster is unwilling to settle for your desired amount, you are willing and ready to take your case to court. As such, you should make sure your demand is reasonable and clearly include in your claim why putting your case in front of a jury would result in an even higher cost for Progressive.

Get Help from El Paso Car Accident Lawyers

At Zinda Law Group, our personal injury attorneys understand how to pursue a settlement from Progressive. Please call us at (800) 863-5312 for a 100% free consultation with one of our El Paso DUI injury lawyers. Meetings with attorneys by appointment only.