How to Negotiate a Personal Injury Claim with Progressive Insurance | Boulder Injury Lawyers
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Boulder Colorado is a bustling town with plenty of traffic within the 27 square mile area of its city limits. The population of over 100,000 gets around using cars, bicycles and public transit. With the amount of people using the roads, accidents are likely to happen.
Progressive Insurance is one of the largest insurance companies with over 190,000 policies in effect. As one of the largest insurers in the nation, there is good chance you may encounter Progressive Insurance if you ever find yourself involved in an accident.
Personal injuries can disrupt your daily life and cause financial strains. If you have been hurt in an accident, you are likely dealing with an insurance company in order to be compensated for your injuries.
If you or someone you love is negotiating with Progressive Insurance after being injured in a car accident, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Boulder personal injury attorneys.
How Much Is Your Personal Injury Claim Worth?
One of the first steps in any negotiation is determining how much your personal injury claim is worth. No two claims are the same because the value is based the specific facts surrounding the accident. There are countless factors that can go into this calculation including:
- Extent of your injuries
- Medical bills
- Loss of income
- Permanence of injuries
It is always beneficial to wait until you have reached maximum medical improvement before you truly determine how much your claim is worth. This is the point where your medical condition will not get any better. Once you have reached this stage, your medical provider can accurately describe your course of treatment and estimate any continuing costs.
An Offer You Can Refuse
Progressive will likely make you a first offer that is lower than your actual damages. It may be tempting to end the process here, and that is up to you. But it is important to understand that when you accept a settlement, you are not able to receive anything more from the insurance company (related to the accident), even if your condition gets worse.
You do not have to accept an offer you believe is too low. This is a tactic that most insurance companies use in order to pay out as little as possible in claims. If you choose to reject the offer, be sure to specify reasons why your claim is worth more than what Progressive is offering.
Progressive will likely come back to you with another offer after they have reviewed your counterpoints. This negotiation process could go back and forth for a while, so it is important to be patient if you want to maximize the amount you recover.
Is Liability at Issue?
If liability is in question, you can expect the negotiation process to take longer as this crucial fact is determined. Progressive Insurance will be unlikely to pay out the claim unless they know for sure their insured was at-fault.
The reason liability is so important is because Colorado follows a modified comparative negligence approach to personal injury cases. If you are bringing the claim and it is determined that you were 50% or more at fault, you are unable to recover from the other party.
Get Help from Our Boulder Car Accident Lawyers
At Zinda Law Group, our Boulder accident attorneys have helped thousands of people negotiate personal injury claims with Progressive and other insurance companies. We have the knowledge and resources necessary to help you seek maximum compensation for your damages.
Our firm also believes that an accident victim should never have to worry about the ability to afford excellent legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.
If you or someone you love has been injured in an accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our Boulder personal injury attorneys.
Meetings with attorneys are available by appointment only.