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Progressive Insurance Personal Injury Claims

Progressive Insurance is a major player in the highly competitive market for consumer auto and property insurance. Its smart branding and effective marketing have spurred the extraordinary growth and success the company has shown over the past eight decades. Progressive offers its customers a wide range of services and competitive rates. It is obviously doing something right; however, how does Progressive measure up when negotiating a claim with a party who may be entitled to compensation?

Dealing with a Progressive Insurance Claim

If you have been injured in an accident that leaves you dealing with Progressive Insurance for payment of a claim, set yourself up for success. Retain a personal injury attorney experienced in pursuing and negotiating insurance claims and bad faith insurance lawsuits. While some insurance claims may be processed quickly and with minimal challenges, others can quickly become protracted disputes. More importantly, large insurers like Progressive have the advantage of robust resources, well-trained adjusters, and experience negotiating an insurance claim. Often, securing your own experienced advocate who thoroughly understands the complexities of the insurance claims process can mean the difference between a prompt recovery and a long-term battle.

Whether you’re dealing with your own insurance company or the company that insures the party at fault for your injuries, remember that not all insurers always play fair.  There are several bad faith tactics insurance companies have been known to use to avoid paying all or part of a valid insurance claim. While most claims adjusters are honest professionals, it’s still important to be on the lookout for potential bad-faith tactics when navigating your claim. These insurance adjustment practices can include:


  • Improper denial of a claim

  • Intentional delay in processing a claim

  • Underpaying or slow-paying a claim

  • Failing to conduct a sufficient or appropriate investigation of a claim

  • Requiring excessive, duplicative, or needless documentation of a claims

  • Misrepresenting or failing to disclose covered benefits

  • Misrepresenting financial information

  • Refusing to settle a valid third party claim against the insured


At Abels & Annes, the entire focus of our practice is protecting the rights of those who were injured. We strongly believe that:


  • No insurance company should ever delay investigating a valid claim.

  • No insurance company should hide behind ambiguous language.

  • No insurance company should delay paying a valid claim.

  • No insurance company should misrepresent facts relating to your claim.

  • No insurance company should disrespect or mislead you.

If you feel overwhelmed by the insurance claims process, contact one of the compassionate associates at Abels & Annes now.

Is An Attorney Necessary to Get a Fair Settlement?

Though you may be able to obtain a settlement without an attorney, having one on your side gives you an advantage toward obtaining a fair and just settlement. Any insurance company will be on the side of cost savings when it comes to settling the claim. A personal injury lawyer advocates on behalf of the victim. Without professional guidance, insurance companies may have a large advantage; while large companies have the resources to weather protracted claim disputes, claimants struggling to afford medical bills, missed work, and property damage often don’t have the same benefit. Your attorney can show you how to present your claim effectively, and reduce the chance of undue delay.

During an insurance investigation, it’s common for insurance adjusters to ask victims to make statements and answer questions. They often want to talk to you as soon as possible after an accident, at a time when you are most vulnerable and least able to focus. Insurance representatives knows this; in fact, some may use it to their advantage. An attorney can help you respond to questions without compromising the integrity or value of a potential claim.

If your property damage and injuries are substantial, having an experienced lawyer on your side can also make a substantial difference in the settlement offer you receive from an insurance company. We have years of experience building cases, including:

  • Estimating future medical expenses

  • Calculating pain and suffering

  • Locating eyewitnesses

  • Uncovering evidence

Tips for Dealing with Progressive Insurance
  • The claims process may seem to be going smoothly. The insurance company accepts liability, instructs you to follow your physician's orders and send them the bill. Don't assume, however, they are going to pay it all. In many cases, you may only get a fraction of the total costs. At this point in the process, you may feel pressured to take whatever settlement is offered because you need the money; seek legal advice instead.


  • Expect an attempt to make a quick settlement. Be careful not to accept a settlement long before you have had a chance to discover any long-term injuries, complications, or costs. Once you sign a release and cash the check, there may be nothing you can do when your long-term medical costs far exceed the settlement received. Seek legal advice before doing anything.


  • Do not be surprised if an injury is attributed to a pre-existing medical condition. You may be asked to grant them access to your medical history. Know that you are under no obligation to do this. Seek legal advice to help decide what you need to share; an attorney can show you how to respond to information requests correctly, and how to know what information is pertinent and what should be kept private.


  • An insurance company may dispute the severity of your injuries. An experienced lawyer can push back on these efforts, and show you how to present the proper documentation, evidence, and testimony to establish a strong claim.

Fight Back

Progressive, like most major insurers, has the resources to play the insurance game well, but so do we. Having an attorney on your side can often make a huge difference in the outcome of an insurance claim. The attorneys at Abels & Annes have experience handling claims with Progressive. We know how to determine liability, investigate claims, gather and preserve evidence, and negotiate a fair settlement. We know what it takes to make you whole.

Contact Abels & Annes online, or call our office at (312) 924-7575 for a no-cost consultation. We are here to help.


Client Reviews
★★★★★
Great customer service. Organized and very persistent in pursuit of my claim. Derek
★★★★★
I would give them an A+, a 10, they far exceeded my expectations. Professional, direct, very educated, very honest. I never felt like I wasn’t kept in the loop or that I was left on a need-to-know basis. Molly
★★★★★
The one thing I have learned, especially in using Dave Abels, is that any time you use a professional, there are only two things you should expect: results and communication. Dave Abels excels at both. Jerry
★★★★★
I think of Dave and his firm as a great resource, very knowledgeable, and would certainly recommend them to anyone. Amy
★★★★★
I didn’t have to do anything. It was all in their hands and I would get calls with good news every time. I am happy with the way they handled everything. Jordan
★★★★★
Great team. They helped us in an extremely difficult time! Thanks guys! We were extremely satisfied with the settlement we received. Luis