To recover the losses from an auto accident that was not your fault, you must file personal injury claims and go through the claims process of the relevant insurance company, here Progressive. In California, it is mandatory to have specific amounts of auto insurance to cover the damage in the event of an accident, such as medical costs and vehicle repairs. Since it is a fault-based state, the driver at fault is responsible for paying for your losses through their insurance provider. That is how insurance is supposed to protect you and pay for an accident.
Don’t Admit Fault or Fight Progressive Insurance Company Alone – Ehline Law is Here for You
Progressive Insurance is one of the largest insurance carriers and the number one in the United States when it comes to auto insurance. Here is what you can expect during the claims process when dealing with Progressive insurance theft, life, final expense car accidents, and unpleasant insurance adjuster interactions.
You’ll often see Progressive add other party’s names to the settlement check, such as with individual family medicare health short-term issues. In most cases, we can help you get an estimate and help get your car repaired. We will also go after the liable party to make sure you receive full and fair compensation for your important matter. We don’t take our percentage until we get benefits paid on your behalf.
Devise a Strategy After a Car Accident
The first step for a car accident victim is to understand that insurance companies are never on their side as they benefit from delaying or rejecting claims. Insurers deploy different tactics to force victims into accepting low settlements and to avoid that, you need to have a proper strategy.
It would help if you protected yourself from any uncertainties right after an accident. This includes denying fault at the accident scene and avoiding telling the other driver that you’re uninjured before a proper medical examination. Such statements can put a dent in your personal injury claim and affect your chances of getting compensation from the negligent driver’s insurer.
Contact the local authorities to reach the accident scene to file a police report and exchange contact information and insurance information with the other driver. Seek medical attention after an accident and ensure you document and write everything down, from keeping medical reports to securing medical receipts.
Initiate the Claims Process
After you get into a car accident, reach out to your insurer to notify them of the incident. For Progressive insurance claims, contact the claims department at (800) 776-4737. You can even submit the claims online through the website if you wish to avoid speaking to an agent. You must file the claims within 48 hours following the accident, as many insurers require immediate reporting.
If the at-fault driver has Progressive auto insurance, you can expect a call anytime soon after an accident from an agent at the at-fault party’s insurer. The agent will require details about the accident, such as license plate numbers, the vehicles involved in the collision, the location of the accident, date and time, and other relevant information. It would help if you did not admit fault. Otherwise, you will risk losing compensation since California is a fault-based state where compensation gets awarded according to the degree of fault.
When filing claims online with Progressive, watch out for icons as these help you navigate the process better, such as the term life universal icon, the wedding event icon, dental electronic device icon, final expense icon life, the dental electronic device icon, the auto condo icon, the family health medicare icon, the health short term icon, the universal life – whole icon, and others.
The life final expense icon on a Progressive insurance policy refers to their final expense insurance. If you lose someone in a car accident, the final expense insurance coverage covers up to $35,000 in expenses such as burial costs, credit and loans, and more. To better serve you, our attorneys can assist you before you apply for benefits so you can learn more before your sign or send anything that can create problems later.
How to Deal with Progressive Insurance Company’s Adjusters
Insurance companies, including Progressive Insurance, hire insurance adjusters to handle claims and save the insurer as much money as possible. Such company goals can ignite bad faith practices resulting in insurance adjusters’ offering low settlements or simply denying claims without any reason.
Here are a few things you can consider to avoid jeopardizing your claims and increase your chances of receiving maximum compensation:
- Provide only the necessary information. Answering “yes” or “no” should be more than enough.
- Make sure to stick to the facts of the accident. Avoid giving more information than asked. Don’t carry water for your adversary.
- Refuse to give a recorded statement; it is your right.
- Deny initial settlement offers as they are often too low to cover any medical bills or other costs.
- Get in touch with a qualified personal injury attorney to assess the full extent of your case.
How Can an Attorney Help with a Progressive Insurance Claim?
An insurance policy from one insurer may be different than an insurance policy from another insurer. An experienced attorney understands the law and the caveats in different insurance policies, which is beneficial when filing claims. An attorney can help collect all the necessary evidence, file a Progressive insurance claim, and deal with the insurer to get you the compensation you deserve.
When filing claims, you must not overstate or understate your claim value, as any of these will work against you. An overstated claim is easily rejected by an insurer, while an understated claim will affect your financial situation if medical bills are more than what you received. Our qualified and resourceful attorneys have experience in assessing claims by working closely with medical experts to determine the value of such claims. We have helped injured victims recover compensation for medical bills, lost wages, property damage, punitive damage, and other types of damages.
Our attorneys can also help file personal injury lawsuits against the insurers if there is no mutual agreement on a fair settlement. As the number one auto insurance company, bad publicity from a trial can put a dent in the positive image Progressive Insurance has created over more than 80 years, and Progressive will avoid that at all costs.
Knowing that our trial attorneys have trial experience and are not afraid to take insurers to court is more than enough for Progressive to remain at the negotiating table. A lawsuit can also result in Progressive paying higher settlement amounts, which doesn’t work well in their interests.
California Insurance Law
California is a fault-based state, and the compensation gets awarded according to the degree of fault. If the other driver is at fault, you are legally allowed to file a claim against their insurer. In the case of a multi-vehicle collision, the responsibility for the accident gets divided according to the fault of each negligent party.
All of this means that the insurance providers for each party must work together and come to a conclusion on the degree of fault based on the evidence provided. Most of the time, victims without legal representation end up getting an unfair settlement from the defendant at blame for causing these car accidents.
Contact Ehline Law, Today to Help With an Insurance Claim
If you got into a car accident that was not your fault, contact us at 213-596-9642 to engage in a free consultation with a personal injury expert. You may be eligible to receive an award of maximum financial compensation.
Our world famous, aggressive law group can answer any questions and go over all your options after you retain our superior legal services. Don’t wait, call today and schedule an appointment at no charge to discuss your rights. Submitting your information about the crash will help up figure out the next steps.
Michael Ehline is an inactive U.S. Marine and world-famous legal historian. Michael helped draft the Cruise Ship Safety Act and has won some of U.S. history’s largest motorcycle accident settlements. Together with his legal team, Michael and the Ehline Law Firm collect damages on behalf of clients. We pride ourselves on being available to answer your most pressing and difficult questions 24/7. We are proud sponsors of the Paul Ehline Memorial Motorcycle Ride and a Service Disabled Veteran Operated Business. (SDVOB.) We are ready to fight.
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