Maison Law protects injured victims from lowball settlement offers and bad faith actors within the Progressive Insurance company. In many cases, Progressive Insurance has offered quick, lowball settlements to unsuspecting injured policyholders without allowing them to understand the full value of their damages. Progressive has also engaged in bad faith behavior by ignoring future medical bill costs, lost wages, and the loss of enjoyment of life experienced by their policyholders after a significant injury.
If this sounds like your situation, then you have the legal right to file a lawsuit against Progressive to receive fair compensation. At Maison Law, we have the resources to take on insurance giants like Progressive, and we will file a bad-faith lawsuit on your behalf and ensure you receive the financial compensation you need. Contact us today for a free consultation and see what legal options are available for your situation.
Signs Progressive is Giving You a Lowball Offer
Dealing with Progressive Insurance is stressful enough, but when they present you with lowball offers that barely cover the cost of your medical bills, missed time at work, and vehicle repairs, your stressful situation can begin to have real-life consequences. Progressive Insurance adjusters will normally offer lowball settlements because their job is not to help you get your life back on track, it’s to save Progressive money.
However, at Maison Law, our job is to get your life back on track and protect you from lowball settlement offers and bad faith behavior from insurance companies like Progressive. If you’re wondering if you’ve received a lowball offer from Progressive, then you can contact us today to speak to one of our attorneys. Below are signs you may be receiving a lowball settlement offer:
- A settlement comes into too quickly, before you’ve even calculated your damages or had a chance to gather evidence of your damages.
- The reason for the settlement amount is vague and fails to present a clear breakdown of how the amount was calculated.
- The settlement only covers immediate costs, ignoring future medical treatment and potential damage to you and your loved ones’ lives.
- The insurance adjuster is pressuring you to settle, using words like “this is the best offer you’re going to get,” or “this is your only chance to settle this claim.”
- The insurance company downplays your injuries or assigns fault to you, attempting to justify their low settlement offer.
Lawsuits Against Progressive Insurance
In 2007, according to the Insurance Journal, it was discovered that Progressive Insurance hired private investigators to pose as church congregation members in order to spy on litigants seeking compensation for an injury accident.
The company was also sued for deceiving its own policyholders by employing illegally operated and unlicensed body shops to make repairs on their clients automobiles in an attempt to save money.
In 2022, the state court of Nevada his Progressive Insurance with a $100 million in punitive damages verdict when the insurance company purposely delayed medical bill reimbursement for a man who was seriously injured in a crosswalk when a car struck him at high speeds.
Types of Auto Insurance Provided By Progressive
Progressive offers liability, collision, and comprehensive car insurance with add-ons such as uninsured/underinsured motorist, personal injury protection, and medical payments in case an accident is your fault, and you need Progressive Insurance to cover damages. The nationwide monthly cost of Progressive Auto Insurance ranges from $152 – $180 as costs vary state-to-state. Key factors that can affect your auto insurance rate include:
- Age and Experience: rates drop after 25 and stabilize in your 30s-50s
- Location: urban areas and high-theft states have higher costs
- Driving History: a record of tickets, claims, or other violations can raise rates 20% -50%
- Vehicle Value: safer, lower-value cars tend to have cheaper insurance premiums than sports cars or SUVs
Complaints and Regulatory Action Against Progressive Insurance
Progressive Insurance has a litany of violations, with numerous investigations being performed by state insurance departments and federal agencies. Numerous investigations have resulted in fines, refunds, and mandated reform for the insurance company. The following are notable complaints and regulatory actions:
- New York Department of Financial Services (2024-2025): Progressive undervalued a number of claims, affecting 93,000 policyholders. This lawsuit resulted in a $48 million class action settlement, an additional $13.8 million settlement, and a $2 million fine to be distributed to the impacted policyholders.
- Progressive Rhode Island Insurance Division: This branch of Progressive was ordered to pay $2 million to over 4,900 customers for overcharging them on their premiums and allowing billing errors to persist.
- Vermont Department of Financial Regulation (2025): Progressive violated Vermont state law by issuing untimely and unjustified policy cancellations to policyholders. The insurance company had to pay an administrative penalty and contribute to a victim restitution fund for its violations.
- S. Department of Justice: Progressive was forced to settle for an unspecified amount and provide accessible policy communications to prevent discriminatory cancellations after an Americans with Disabilities Act violation.
How to Know What Your Personal Injury Claim is Worth
Before you decide whether or not to settle your personal injury case, it can benefit you to understand how much your personal injury claim is worth. This can help you avoid accepting lowball settlements from the insurance company, as well as calculate what your claim may be worth. It is recommended to speak to one of our attorneys at Maison Law to fully calculate the value of your claim. The value of the following damages will ultimately determine what your case is worth:
- Present and future medical expenses
- Loss of income, as well as the reduction in your earning capacity you’ve suffered from your injuries
- Cost of living with your injury, such as making your home disability accessible, purchasing a wheelchair or crutches, hiring a nurse or housekeeper
- Damage done to your property during the accident
Other damages also include non-economic damages. These damages do not have an exact monetary cost and are generally calculated based on medical evidence and expert testimony:
- Pain and suffering caused by your injuries
- Stress and anxiety due to the nature of your accident
- Your mental state after a life-changing accident
In addition to non-economic losses, plaintiffs are eligible to request more money for their non-economic damages if they:
- Had a long recovery period
- Required invasive medical treatment, or medical treatments that were ongoing
- Were particularly painful injuries
- Had obvious physical signs of the injury like scars, or loss of a limb
- Contained severe injuries that resulted in permanent physical alterations or disability
Can I Sue Progressive Insurance if I’m a Policyholder?
Yes, in California, you can sue your own insurance company if you have a valid reason for the lawsuit. In California, insurance policies are contract, and by law, any violation of a contract by an insurance company like Progressive is considered a bad faith act. This is made clear under California Civil Code 337 & 339. Examples of lawsuits against insurance companies include:
- Failure to pay on a covered claim: if your insurance company and its adjusters denied a claim that is within the insurance policy you purchased, you can sue them in small claims court
- Failure to reimburse you for all expenses you have incurred: if you spent $3k fixing your vehicle and the insurance will only cover $1,500, then you can sue them to get the full amount
- No response from your insurance company: if your insurance company fails to reimburse you and begins ignoring your calls, you can file a lawsuit against them.
- Denying legitimate claims: medical evaluations and records of property damage typically show evidence of damage, and they also list the cost of the damage. If your insurance denies damages, or facts of your case, then you may have grounds to sue for bad faith.
If you’re experiencing any of these tactics used by your insurance, our attorneys at Maison Law have the skills and resources to hold the insurance company responsible for the full extent of your damages. Contact us today for a free consultation and case evaluation to see what legal options are available.
Get Legal Help with Your Progressive Insurance Bad Faith Claim
If you or a loved one has sustained injuries in an accident and Progressive Insurance has wrongfully denied your claim, delayed payment, or offered an inadequate settlement, the Bad Faith Attorneys at Maison Law can help. We understand how to use the law against insurance giants, and we will not hesitate to file a lawsuit against them or represent you in court until your damages are fully covered.
Don’t wait until it’s too late to take legal action. Contact Maison Law today for a free consultation and case evaluation. Our firm does not require any upfront payments for our services, and we don’t get paid unless we win your case.
