How Does Progressive Insurance Handle Car Accident Claims? | Boulder Injury Lawyers

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Being involved in a motor vehicle accident is a stressful event that unfortunately happens to thousands of people on a daily basis. Having to worry about medical treatment, absences from work, filing an insurance claim, and the effect on your finances only adds stress to the situation. However, being familiar with the insurance claims process and understanding what it consists of may help alleviate some of the stress associated with being involved in a car wreck.

Like many other insurance companies, Progressive Insurance follows a typical process when it comes to handling car accident claims. Yet, there are several important details that you should be aware of in order to maximize your chance at receiving full compensation.

If you or a loved one has been injured or involved in an automobile accident and are dealing with Progressive Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Boulder car accident attorneys.

How to File an Auto Claim with Progressive Insurance

The most common methods of filing a car accident claim with Progressive are via telephone or online through the Progressive website. Progressive suggests that you contact them as soon as possible after being involved in an accident.

Before reporting your claim, you should have important information regarding the incident handy. Such information includes:

  • The names and contact information of the parties involved in the car accident;
  • The date, time, and location of the accident;
  • The make, model, year, and license plates of the vehicles; and
  • The injuries or vehicular damage sustained

When reporting your claim, you will be put in touch with a claims representative from Progressive. The representative will ask you questions regarding the accident, discuss coverage options, and answer any questions you may have. The representative will then schedule an inspection of your vehicle to assess the damage.

Liability and Damages

Similar to filing a claim with other insurance providers, filing a claim through Progressive requires the injured party to prove liability and damages.


In order to receive compensation from Progressive for all or part of your claim, you must first prove liability of the accident.

The State of Colorado follows the modified comparative negligence legal theory. This means that you can prove liability by showing that you were less than 50% responsible for the accident. Liability cannot be proven and damages cannot be collected if it is determined that you were at least 50% responsible for the accident.


In addition to establishing liability, you must also show Progressive that you sustained damages as a result of the automobile accident. The damages associated with being involved in a car crash can be general damages and special damages.

General damages may include pain and suffering, physical impairment, and lowered quality of life, amongst others.

Special damages may include medical expenses, repair bills, lost wages, and other financial losses related to the accident.

You can prove to Progressive that you sustained these losses by providing them with a demand letter that outlines the damages you are seeking.

Settling and Negotiating Your Claim

After processing your claim, a Progressive claims adjuster will contact you to discuss the possibility of a settlement. Insurance companies like Progressive typically generate settlement offers by using computers to process various factors and data. The resulting figure reflects what the insurance company believes to be a fair settlement amount for your claim.

However, insurance companies, Progressive included, make money and stay in business by receiving more money in premiums than they pay out in claims. Therefore, it is important to understand that settlement offers are made in the company’s best interests, not yours.

If you are not satisfied with the claims adjuster’s offer, you may decide to begin the negotiation process. This back-and-forth communication between you and the claims adjuster will require you to support your demands by providing the insurance company with evidence and documentation regarding your accident and subsequent expenses. Although difficult to achieve, an ideal negotiation process will result in a settlement amount that is satisfactory to both you and the insurance company.

Filing a Lawsuit

Before deciding whether to file a lawsuit against Progressive, it is important to consider what your claim is actually worth as well as the likelihood that your case would win at trial.

Estimating your claim’s value, which requires you to calculate all of your expenses, bills, and lost income, will allow you to determine whether a proposed settlement offer is acceptable or not. Having a concrete number in mind will make it easier to decide whether to accept or reject a settlement offer.

Finally, you should take into consideration the legitimacy of your case. Consider the evidence and documentation on your side and whether it supports your financial demands.

If you are unsure of how to assess these factors, consider discussing your case with a personal injury attorney. An attorney with experience in dealing with car accidents can provide valuable advice on how to proceed with your claim.

Our Boulder Car Accident Lawyers Can Help

At Zinda Law Group, our Boulder injury attorneys have the skill, experience, and desire to assist you following a car accident. We have the resources necessary to help you build the strongest claim. Further, we will work tirelessly to assist you in seeking compensation for medical bills, property damage, lost wages, pain and suffering, and more.

Our firm also believes that an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.

If you would like to speak with an experienced Boulder car accident lawyer, or to learn more about the Progressive Insurance claims process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.

Meetings with attorneys are by appointment only.

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