How to Settle an Injury Claim with Progressive Insurance
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Progressive Insurance is one of the largest automobile insurers in the nation, and if you're injured in a Phoenix car accident by someone covered by Progressive, you will likely have to deal with the company to receive compensation for medical bills and property damage.
While its advertisements may lead you to believe that the company is committed to making you whole, Progressive is mainly concerned with one: its bottom line. Progressive has become a leader in the insurance industry precisely because it takes in more money in premiums than it gives out in claims. Therefore you should expect that Progressive will try its hardest to minimize your claim.
If you keep getting the runaround from Progressive and are tired of dealing with the company, the Phoenix car accident attorneys at Zinda Law Group can help. Call us today at (800) 863-5312 for a free consultation with a Phoenix auto accident lawyer.
Steps to Take in Negotiating an Injury Claim with Progressive
First and foremost, be sure to see a doctor who can diagnose and treat all of your injuries. It is also extremely important to document the accident, so if possible, take the time to snap pictures of the scene and the extent of your injuries.
Next, you will need to file a personal injury claim with Progressive. File a claim as soon as possible after an accident, as many companies require that you do so within 24 hours of the incident. Filing this claim will effectively begin settlement negotiation process. After you file a claim, you will receive a letter from Progressive indicating that the company will begin an investigation and will discuss it with you, but that by doing so they are not admitting to any liability on behalf of the insured party who was at-fault in the accident.
After you have documented the full extent of your injuries and have been treated for them, you should go ahead and send a demand letter to Progressive. This letter should discuss the basic facts of the accident and the extent of your injuries. It should also include an itemized list of the damages you are seeking to recover for, including medical bills, out-of-pocket expenses, lost income, and any other injuries you’ve suffered from. It can be difficult to calculate this amount, but do your best to ensure that the amount you come to is fair and will compensate you for all your injuries, including pain and suffering.
A claims adjuster will respond to this demand letter, most likely by offering you a much lower offer than what you requested in your demand letter. You should not feel obligated to accept a low settlement offer. If you feel the offer will not adequately cover your damages, you should reject that offer and continue on with the negotiating process.
Respond in writing with a counteroffer if you are rejecting the claims adjuster. Explain why you are rejecting the adjuster’s offer, and why the counteroffer you are requesting is more fair. Reduce your initial settlement offer, but not by too much. This process of offer, rejection, counteroffer may continue for a variable amount of time. It is important to explain and defend your position, and to remain patient.
If you finally arrive at an adequate settlement offer that you are willing to accept, you can confirm with the adjuster that you are accepting their offer. If, however, you never reach a settlement offer that is fair, you may need to consider filing a personal injury lawsuit.
Insurance Companies Know We Mean Business
At Zinda Law Group, our Phoenix car accident attorneys have the experience, knowledge, and resources to help you seek the compensation you deserve. We fight tirelessly to protect the legal rights of our clients, and we are dedicated to providing you will skilled and compassionate care throughout your injury case and beyond.
Call us today at (800) 863-5312 for a free consultation with one of our Phoenix car accident lawyers. Meetings with attorneys by appointment only.