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 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 settlement 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 and it is true for both bodily injury and property. Progressive Auto Insurance’s paradigm appears to be “see if the victim will file suit” before offering reasonable settlement amount. A lawsuit against Progressive is typically the only language Progressive understands.
Progressive Write Small Insurance Policies in Maryland
Progressive Insurance is known for its abundance of $30,000 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 its own law firms throughout the country that represent them in accident lawsuits. But it is a small office of 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.
Progressive Insurance – File a Claim
I think Maryland accident lawyers spend too much time complaining about Progressive and other tight insurance companies. If you don’t like their settlement offer, file a claim in court.
How Long Do I Have to File a Claim with Progressive Auto Insurance in Maryland?
You have three years to file a personal injury car accident lawsuit against Progressive Auto Insurance and one year to bring PIP claim in Maryland. There are exceptions to these rules so contact a lawyer to make sure an exception does not shorten your time to file a claim.
How Do You File a Claim With Progressive Insurance?
It depends on what you mean by file a claim. If you want to file a lawsuit against Progressive, you need to file a complaint in court. If you want to file a claim pre-suit seeking damages, all you need to do is call them.
How Much Will My Progressive Insurance Go Up If I File a Claim?
In Maryland, your auto insurance should not rise if you are not at-fault for the accident. If you are at-fault, your insurance will go up.
Progressive Insurance Report an Accident
I think you are making a mistake taking on Progressive in a bodily injury claim without hiring a Maryland lawyer who fights them regularly. But you can call Progressive to file a claim in Maryland at 800-776-4737.