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If you’ve been in a drunk driving accident, and you must work with Progressive insurance, there are a few details to keep in mind to ensure your injuries and/or damages are fully covered, especially if the drunk driver was at fault for the incident.

You will want to collect any evidence of the accident you can, including photos of the damage, your injuries, and a copy of the police report. This is especially important if the police recorded negligence or recklessness on the part of the drunk driver.

Filing Your Claim

A well-trained Progressive adjuster will call you to find out what happened, but it’s important that you do not give any details regarding the severity of your injuries or how the accident occurred. Stick only with the facts of where it was, the date and time, the way the cars were facing, and what kind of accident it was. It is not legally required to give a verbal statement, and many accident attorneys advise against giving one. Instead, give the basics and then write a detailed description which you will send to them including your settlement claim.

Determine Your Settlement

In the first letter, you will include the amount your damages will add up to. This includes past medical bills, physical therapy, vehicle damages, lost wages from being unable to go to work if applicable, and any other costs you have incurred due to the event. This can also include loss of quality of life due to PTSD, anxiety, inability to handle daily tasks or participate in social events. Any future costs must be followed by compelling evidence because the adjusters will examine your claim very closely to minimize it as much as possible.

Depending on the severity of your accident and damages, it might be necessary to be ready to take your case to court if the Progressive adjusters are unwilling to give you the amount you have requested, given that your request is reasonable. It is also a good idea to remind them that going to court, which could include a jury, would cost much more for Progressive than settling for the amount you’ve requested.

Work with a Car Accident Lawyer

Dealing with a large company like Progressive can be challenging, especially when their adjusters are paid to find reasons not to pay you for your damages, even when you are completely deserving of every penny.


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