What to Expect in a Car Accident Settlement with Progressive Insurance
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Progressive Insurance has been in the American market since 1937 and is a well-known and popular business today. The company's TV commercials are easily recognizable, and they're intended to make the general public believe buying insurance is easy.
However friendly you find Progressive's commercials to be, settling a claim with an insurance company is much more difficult. Whenever you attempt to file an injury claim with Progressive, your relationship with the company will be adversarial, as its claims adjusters try everything in their power to minimize your claim and pay you as little as possible.
Filing a Claim with Progressive
Most insurance companies operate in the same fashion in terms of filing a claim. Once you have reported the accident and Progressive is made aware the claim exists, they will use their claim adjusters to determine the value of your claim and what share Progressive is responsible for paying you.
Progressive is a for-profit business, and its claim adjusters share the same interest as the company it works for: to keep settlement costs as low as possible.
As a popular insurance company, settling claims is an integral function of the company, and something they have more experience and expertise in than the individual filing a claim. Therefore, it is important to not only keep their superior experience in mind, but to also understand how to negotiate a fair claim to compensate you for your injuries.
How to Negotiate
In general, the first offer you receive from Progressive will be much lower than what you are fairly entitled to receive. If you choose to negotiate the claim without the assistance of an injury attorney, you should know what specifically you can recover damages for besides only the medical bills associated with the injury. In most states, you can recover damages for:
- Pain and suffering
- Property and vehicle loss/damages
- Lost wages
- Lost economic opportunity
- Future medical expenses
You should gather any evidence you have and submit all documents to the claim adjuster. These documents will show Progressive specificities of your suffering and give the company incentive to increase their settlement offer.
Hiring a Car Accident Attorney
Personal injury lawyers work on contingency, meaning they are only paid if they win your case. Progressive will try to settle your claim early and in the least costly manner possible. With the help of an auto accident lawyer, filing a lawsuit can force Progressive to face the possibility of damages being assessed by a jury for much higher than their settlement offer, and will likely result in a much higher settlement offer.
Consulting with a San Antonio car accident attorney before entering settlement discussions will help you to understand the nuances of your claim, and hiring an attorney can help you establish your damages. With the help of an attorney, you are more likely to be fairly compensated for your injury and ease your suffering.
Get Help from Experienced San Antonio Car Accident Lawyers
At Zinda Law Group, our car accident attorneys have helped thousands of injury victims take on the insurance companies and seek maximum compensation for medical bills, property damage, lost income, pain and suffering, and other damages stemming from their auto accident.