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Progressive Insurance Accident Claims

Within the United States, Progressive Auto Insurance is one of the largest insurance companies, holding over 10 million policies and growing. They stand along the lines of other insurers such as State Farm, Allstate, Nationwide Insurance, Farmers Insurance, and USAA. Progressive currently offers policies to individuals for automobiles, motorcycles, boats, and even recreational vehicles. Known best by their advertising campaigns sporting a quirky saleswoman, Progressive wants to be known to consumers as just that – a “progressive” insurance company.

To its credit, Progressive Insurance has a reputation in Maryland for being prompt and professional when dealing with a consumer’s accident attorney. And Progressive Insurance adjusters follow up on-demand letters and offers as quickly as any car insurance company in Maryland. But, let me tell you, when it comes to the actual settlement offered by Progressive, it is well below any average insurance company in Maryland, even the notably stingy State Farm. I’ve read this is true in other states as well. I have no idea, but I would not be surprised. Their paradigm appears to be “see if the victim will file suit” first.

Progressive Insurance is known for its abundance of $20,000 to $100,000 injury claim policies within the state of Maryland. As an accident attorney, if your client has a small to mid-sized claim, don’t be surprised if their offer barely covers your client’s medical bills and lost wages. An accident victim is typically better off filing a lawsuit against their Progressive insured than actually expecting or attempting to reach a settlement. Progressive has their own law firms throughout the country that represent them in accident lawsuits but last I checked, Progressive has only four (4) in-house attorneys in Maryland. They are ill-suited for long drawn out fights just for the sake of fighting.

Progressive Insurance has more than enough complaints filed with both the Better Business Bureau and Consumer Affairs in regard to their low-ball settlement offers and simple denials of claims. But, look, this is why we have lawyers, and why we have a legal system. I think too much time is spent by Maryland accident lawyers complaining about Progressive and other tight insurance companies. If you don’t like their settlement offer, file a lawsuit.