How to Negotiate an Injury Claim with Progressive Insurance
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Progressive Insurance is a very well known, large insurance company. Like the other major car insurers doing business in the Colorado Springs area, they insure many drivers. Progressive Insurance wants to be known as a company that gives its customers discount rates on their insurance. However, discounted insurance rates benefit the person paying the premiums, not necessarily the person injured by the driver with discount insurance.
Progressive Insurance is no different than the other major car insurance corporations in that they are in the business of turning a profit. Progressive Insurance makes a profit by taking in premium insurance payments from their customers that exceed the amount of money the company pays out in claims.
If you or a loved one has been injured in an accident and is dealing with Progressive Insurance, call Zinda Law Group at (800) 863-5312 for a free consultation with a skilled Colorado Springs car accident attorney.
How to File a Claim
Progressive’s business model is similar to the other insurance companies. It employs claims adjusters to analyze claims and pay out claims based on the value they determine sufficient. Claims adjusters do not work for you, the injured motorist. They work for Progressive. Therefore, they have an incentive to hold down settlement costs because that benefits the company and the company’s bottom line.
Before negotiating a claim with Progressive Insurance, you should know what damages you may be entitled to. Colorado law grants an injured person the opportunity to be made whole after they suffered injuries caused by another person, even if the other person did not intend the outcome. This theory of law is called “negligence.” In Colorado, you can recover damages for:
- Medical bills;
- Future medical expenses;
- Permanent loss and disfigurement;
- Property loss;
- Lost wages and loss of economic opportunity; and
- Pain and suffering.
Colorado law limits pain and suffering at just under $500,000. The other damages have no legal limit. The only limitation on them is the evidence supporting the claim for those damages.
If you choose to negotiate with Progressive, you should have some understanding of how negotiations work with insurance companies. You must assemble all of the documents generated from your claim and send them to the adjuster. The documents you need include:
- Accident or crash reports;
- Medical records and bills;
- Repair bills;
- Evidence of lost wages;
- Evidence of loss of future economic benefit, if any;
- Incidental costs, such as transportation costs to doctors’ appointments; and
- Evidence of your pain and suffering.
The most difficult amount to establish is the amount of your pain and suffering. All of the other damages have amounts that are evident. Your doctors’ bills have a number on them, but your pain and suffering do not. One way to develop evidence of your pain and suffering is to keep a journal of your pain. You can write down how you feel. Be honest. If you feel better on Monday and worse on Tuesday, say so. You should also keep track of how the accident affected your life. For example:
- You have a hard time working;
- You cannot play with your children like you used to because the pain is too great;
- You are unable to enjoy doing the things you once did;
- You are depressed; or
- You are afraid to drive.
Keeping a journal of how you feel will help you convey to Progressive’s claims adjuster that you deserve a greater settlement than they initially offer to you.
Our Colorado Springs Injury Lawyers Can Help
Negotiating for yourself is very hard. The best course of action may be to seek help from attorneys who have years of experience representing accident victims.
At Zinda Law Group, our Colorado Springs auto injury attorneys have experience representing car accident victims and their families. We will provide you legal advice while working diligently to try to reach a fair and just resolution of your claim.
Contact us at (800) 863-5312 today for a free consultation with one of our Colorado Springs car accident lawyers. Meetings with attorneys are available by appointment only.