% Of The Settlement Was For Pain And Suffering
Here is a pie graph that shows the breakdown between pain and suffering and medical bills:
As you can see from the pie graph above, 94% of the settlement was for pain and suffering. About 6% of the settlement was for medical bills.
My client had a Medicare Advantage plan that paid some of her bills. The Medicare Advantage plan demanded that I pay it back for the bills that it paid for her accident.
Since my client had a lawyer, her Medicare advantage plan had to reduce its payback claim from $624 to $408. That put an extra $216 in my clients pocket.
It gets better:
I didnt charge my client to reduce this bill.
After my contingency fees and costs, paying Marys out of pocket medical bills and health insurance lien, she gets over $54,000.
That is her portion of the settlement.
Since Mary owned a car, she used her PIP coverage to pay for her medical bills. United Auto Insurance Company was Marys auto insurer. Her out of pocket medical bills were low because Uniteds PIP paid for $10,000 of her medical bills.
The best part?
We got this payout without having to sue. This benefited my client because my attorneys fee was capped at 33 1/3% of the total settlement. If I would have sued, my attorneys fee would have shot up to 40% of the settlement.
Also, my client avoided the stress and increased costs associated with a lawsuit. I do not sue just to drive up my fees.
My client was very happy with this $90,000 settlement.
Progressive Car Insurance Claims
Charlotte Lawyers for Progressive Car Insurance Claims
Progressive Insurance Company is one of the largest auto insurance groups in the United States. The car accident attorneys at Arnold & Smith, PLLC have decades of combined experience litigating against all of the major car insurance companies, which includes Progressive Insurance Corporation. If you have suffered an injury in a car accident and need to submit a claim with Progressive Insurance, we can help.
Our Experienced Attorneys Know How to Negotiate with Progressive Insurance
Our attorneys know all of the ways that insurance companies try to deny claims or offer too little in terms of settlement amounts. In fact, one of our founding attorneys, Matthew Arnold worked as a defense attorney for car insurance companies at the beginning of his career. He has inside, first-hand knowledge of the way insurance companies process claims. He can use this knowledge to persuasively negotiate with insurance companies on behalf of his clients. To schedule your free initial consultation, contact our Charlotte personal injury law office today.
About Progressive Mutual Insurance CompanyCommon Reasons that Progressive Insurance Denies ClaimsProgressive Insurance Denies Claims Due to Policy Limits
- The customer has already exhausted his or her coverage limits in another accident
- The claim for bodily and property damage exceeds the coverage limits
- The customer filed a claim for coverage that he or she did not purchase
I Use My Vehicle For My Primary Or Second Job Will My Claim Be Paid If I Am In An Accident
Personal cars used for business, like for delivering pizza and ride sharing arent covered under a personal auto policy. You should always tell your agent or insurance company about your plans to start driving for a ride share company as you will likely need excess coverage for when your vehicle is being used for business purposes.
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Collision On Private Property
Police typically wont file a report for accidents that happen on private property. For example, police might not respond to a call if your teenage son hits the garage door or your friend backs up into your mailbox.
These are considered personal matters, and police will usually only file reports on public property like roads, backstreets, highways, and public property. Even your local pharmacy or coffee shop might be considered private property.
It doesnt hurt to call police anyway, though.
Private Property Auto Insurance
Now that you know what to do in the event of an auto accident on private property, what kind of insurance coverage do you need to ensure youre protected if this happens to you? Will your current coverage suffice?
In the next few sections, well answer your questions about the coverage you need, what happens if the other driver flees the scene of the accident, when its appropriate to file a claim, and more.
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Progressive Car Accident Insurance Claims
For help with your Progressive auto insurance accident claims, call an attorney at our firm. With years of experience in dealing with various insurance companies, we know how to assist you when youre being harmed by bad faith insurance practices.
Based out of Ohio, Progressive is probably most well-known known for its quirky spokeswoman and her team of insurance enthusiasts seeking to get the best prices for policyholders. For insured individuals who have faced bad faith tactics with Progressive auto insurance accident claims, Flo represents everything thats wrong about seeking rightful compensation under an auto insurance policy. In one particularly egregious case, Progressive actively participated for the opposing side after its own policyholder died in an accident. As her brother stated, the company paid for the victims killers defense.
However, you do have rights as a policyholder, and an attorney can help you protect them. At Kisling, Nestico & Redick, our Ohio insurance claims lawyers refuse to let companies take advantage of consumers. You pay your premiums in full and on time, so youre entitled to fair treatment when filing auto insurance accident claims. Please contact our office at to set up a free consultation, and read up on some important general information.
Secret #3 Filing A Lawsuit Can Increase Your Compensation
While Progressive may play hardball with low settlement offers during the initial insurance process, hiring an attorney lets them know you mean business. If you file a lawsuit or threaten to, you may discover the insurance company suddenly becomes more cooperative.
When we file a personal injury lawsuit, companies take our clients seriously. They may immediately offer you a more reasonable amount to settle the case. Perhaps Progressive wants to avoid the costs of litigation, or its in-house attorneys might not have time to handle every lawsuit filed against the company and its policyholders. Whatever the reason, we know that this is a common pattern with Progressive cases!
Your law firm will give their input and opinions about the risks and benefits of all offers you receive. As offer amounts start increasing, you may feel tempted to accept, even if you know you truly deserve more. Many accident victims may not want to press their luck by waiting for a higher offer, or they may just want to close the case as quickly as possible and move on with their lives. However, patience pays, and having a law firm with skill and experience in dealing with Progressive Insurance can make a huge difference in the outcome of your case.
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Employer Checklist For Progressive Discipline
Incompetence: Employee lacks the skills or ability to do the job.
- Set out clear, reasonable job expectations in company policy.
- Communicate clearly job expectations to all employees.
- Bring unacceptable work to the attention of the employee promptly.
- Provide reasonable supervision, training and instruction.
- Give reasonable warning that failure to meet these expectations could result in dismissal.
- Allow for time and opportunity to meet the job expectations.
- As a final step in the process, if no improvement, dismiss the employee.
- Keep complete written records.
: Employee breaks rules for keeping the work place efficient and safe.
- Give the employee the opportunity to tell his/her story about the misconduct.
- Collect all the relevant facts surrounding the misconduct.
- Give a verbal warning.
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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc…
Written byLeslie Kasperowicz Farmers CSR for 4 Years
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his familys insurance agency, FCI Agency, for 15 years . He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. Hes also been featured on sites like Reviews.com and Safeco.He reviews content, ensuring that ex…
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What Happens After I File A Report Online
- Upon submitting your completed report online, you will see the words Your online police report has been submitted indicating your report is complete.
- You will receive an email with a temporary case number until police have reviewed the report. Check your junk email folder if you do not receive the email in your inbox.
- Once a police officer has approved the online report, you will be notified and provided a permanent case number.
- The accuracy of the information you provide in the report greatly assists Peel Regional Police Service in investigating your incident. Please ensure the report is as complete and concise as possible.
File An Insurance Claim With Progressive Right Away
Call your insurance company to report the car accident as soon as you can. The number to submit a Progressive Insurance claim is 1-800-776-4737. You can call from the scene of the accident and follow up later with more information if you wish. You can also wait until later that day or the next day to file. Most insurance companies require immediate reporting within 24 to 72 hours. Waiting too long could lead to the loss of the right to recover benefits. If you do not wish to call, you can also file a claim with Progressive online or through the companys mobile app.
The Progressive agent that receives your claim will need to know a few basic details about your car accident. This can include descriptions of the vehicles involved, license plate numbers, dates and locations. Do not admit fault for the auto accident to your insurance company or the police. If you did not cause the accident, you may receive a phone call from the insurance company of the party who did. The person calling you will be Progressives insurance claims adjuster if Progressive is the at-fault partys insurer. You might receive this call as soon as the day of the car crash.
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When A Police Report Is Required
If you are in an accident, whether you must file a police report is dependent on both state law and your insurance policy. If filing a report is required by your insurance company, you must do so in order for the claim to be accepted. If your insurance company doesn’t have such a requirement, you must still file a report if required to do so by state law. Often this requirement kicks in if your accident meets certain characteristics for example, when the accident results in injury or death, accident occurred at a particular location, or property damage exceeds a certain amount. For instance, drivers in New York and Massachusetts must file an accident report if there is property damage greater than $1,000. If the accident results in injury or death, both Arizona and New York require an accident report to be filed.
Life Homeowners And Renters Insurance From Progressive
Progressive offers coverage for houses, garages, sheds and more through third-party insurers. To get more details about coverage options and discounts, see our Progressive homeowners insurance review.
Progressive sells renters insurance policies through a subsidiary and a third-party company . To learn more about this coverage, see our Progressive renters insurance review.
Progressive also sells term and permanent life insurance policies through a third party, eFinancial. You can start the quote process on Progressives site, but youll eventually be transferred.
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How To File A Claim With Progressive
Consider adding uninsured or underinsured motorist coverage to your auto policy to help minimize your costs if you have an accident with another driver who doesn’t carry auto insurance.
What Is The Minimum Amount Of Auto Insurance Coverage I Am Required To Have
As we noted above, nearly every state requires some amount of insurance coverage in order for you to legally drive. This mandatory minimum liability coverage provides very little in the way of financial protection for drivers. In fact, in general, it only provides coverage for the cost of damages and injuries for the other driver , up to the limit of the coverage.
Take a moment to watch this video to learn a bit more about liability coverage.
Weve also summarized the minimum coverage requirements for each state in this table. Take a look.
Minimum Auto Insurance Requirements by State
When looking at this table, BI refers to bodily injury, PD refers to property damage, PIP refers to personal injury protection, and UM/UIM refers to uninsured/underinsured motorist coverage.
Keep in mind, with the minimum protection this coverage provides, you should consider purchasing additional coverage to ensure you have what you need to be financially protected behind the wheel. Speak with a licensed insurance agent in your area to find out the best coverage for you, given your particular situation.
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How To Prove Youre Not At Fault
An auto insurance company might require proof from you that an accident was not your fault and therefore not chargeable. Satisfactory proof can vary among companies but often includes:
- A police report that says who was at fault.
- A statement from the other drivers insurance company accepting fault.
- A legal document showing that you were reimbursed for damage.
- A drivers written statement, under penalty of perjury, attesting to their fault.
Start The Claims Process
- Regardless of who’s at fault, it’s a good idea to inform your car insurance company that an accident occurred. Keep in mind that it’s your choice whether to file an auto insurance claim with your insurer or the other driver’s insurer.
- Many insurance companies give you the option of filing a claim online, over the phone, or through their official mobile app. Generally, your insurer just needs some basic information about the accident to open a claim, including any pictures you took of the damage.
- A claims representative will be assigned to you and will help you through the claims process, including scheduling repairs or answering any questions you have.
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$275k Settlement With Progressive For Car Accident
In the photo above, you can see our happy client after her $27,500 personal injury settlement.
Dania was a passenger in a car in Miami, Florida. Another driver crashed into the car in which she was a passenger.
Here is the damage to the car within which Dania was a passenger:
We claimed that the other drivers carelessness caused Danias injuries.
Fortunately, here injuries were soft tissue. Basically, she had neck sprain/strain, thoracic sprain/strain, back sprain/strain, and right shoulder sprain/strain.
She did not break any bones. Also, she did not need surgery.
Shortly after the car accident, Dania spoke with a lawyer who has handling injury claims for 49 years. That attorney primarily defends drivers for personal injury claims from commercial vehicle accidents. He was unable to represent her primarily because her injuries were minor. Moreover, the damage to her car was not that bad.
However, that attorney was aware of our many car accident settlements. Additionally, he knew that weve settled numerous car accident claims with Progressive. He referred Dania to my law firm. Dania contacted my law firm.
Danias primary language was Spanish. However, my paralegal is fluent in Spanish. Additionally, I speak some Spanish. In fact, we have a Spanish website and blog.
Progressive insured the car that we alleged caused the crash. Progressive paid us $27,500 as settlement of Danias personal injury claim. Here is the settlement check:
How Long Does A Surcharge Affect My Car Insurance Rates
The length of a surcharge for a car accident depends on your state and insurance company, but will typically last three to five years. For example, states such as New Jersey, New York and Texas only allow insurance companies to surcharge you for accidents for the past three years.
Depending on your state and insurance company, a surcharge could be applied to your insurance policy, but the added cost could decrease each year you drive without an accident . For example, if you live in a state that looks only at the past three years of your driving record, the surcharge increase may be non-existent after three years of safe driving.
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Is My Insurance Company Required To Pay Me For The Lost Or Diminished Value Of My Vehicle After It Has Been In An Accident
No. At this time, Massachusetts does not have a law requiring insurance companies to pay diminished value claims. This is true whether you are filing a claim under your own policy or if another driver is at fault for damaging your car. Some insurance companies may consider paying on a case by case basis. Insurance companies can also refuse to pay based upon the policy language under Part 7 or Part 4 which may specifically say that the company wont pay for any decrease in value.