Progressive Insurance Claims in Florida

May 3, 2022 | Attorney, Matthew Dolman

If you're having a problem getting compensation from Progressive after an auto accident, you have legal options with Dolman Law Group. Our team advocates for claimants looking to recoup damages for their medical expenses, lost income, and other expenses. Whether Progressive is your own insurer or the at-fault driver's, we're ready to pursue what you need. 

Our team manages Progressive insurance claims in Florida. Now, you can start a free case review about pursuing financial recovery. 

We Manage Claims on a Contingency-Fee Basis

While struggling to get compensation from Progressive, you might wonder how you'll afford legal aid. Yet, Dolman Law Group helps personal injury claimants on a contingency-fee basis. 

There are no upfront fees, retainers, or hourly rates when you work with us. Some of your settlement will pay for our services. We can explain more about this arrangement when you reach out to our firm. 

You Have Protections Against Bad Faith Insurance Practices

Insurance companies have a duty to act honestly and fairly when handling claims. However, not all insurers do. As an injured claimant, you have legal rights under Florida Statutes Chapter 624. The insurer may be acting in bad faith if it: 

  • Fails to respond to your messages 
  • Denies your claim with no valid cause
  • Purposefully delays the claims process 
  • Conducts an inadequate investigation
  • Pressures you into accepting less than you need 

Dolman Law Group doesn't play games. If we see that Progressive isn't handling your claim in good faith, we will negotiate for what you deserve. 

What Can I Recover Through an Auto Accident Claim?

When filing an insurance claim, what you can recover depends on your situation. These scenarios may apply to you: 

  • If you carry the minimum personal injury protection (PIP) coverage as mandated by the state, you could recover up to $10,000 in immediate medical care. 
  • If you carry more than the minimum PIP limit, you could recover more than $10,000 from your insurer. 
  • If your damages go beyond the liable policy's limits (meaning you suffered serious injuries as outlined by Florida Statutes § 316.027), you could seek compensation from the other party's insurer. 

You can also file a lawsuit if an insurance claim doesn't meet your needs. When you partner with our personal injury lawyers, we can assess your situation and determine a course of action that could benefit you. 

An Itemized List of What You Could Recover

Depending on your situation, an insurance claim could pay for: 

  • Your necessary healthcare expenses 
  • Your lost income 
  • Your car's replacement or repair costs 
  • Funeral expenses 

This is not an exhaustive list. Our team will fight for everything you deserve following your Florida car accident

What an Insurance Claims Lawyer in Florida Can Do for You

Our team hopes to resolve your auto accident case through a settlement with the liable insurer. We will: 

Determine the Reason for Your Claim's Denial

If Progressive denies your insurance claim, it must give a reason why. For instance, if you accidentally gave the wrong information, we can assess your claim's paperwork and make any corrections. If the insurer claims you don't have coverage, we can assess the liable policy and assert otherwise. 

The insurance company can't deny your claim without a valid reason. If it does, this could constitute a bad faith insurance practice. 

Calculate Your Damages

Without understanding what your losses are worth, you can't know whether a settlement offer is reasonable. When calculating your losses, your lawyer from Dolman Law Group will evaluate: 

  • The extent of your property's damage 
  • Your health condition
  • Your necessary medical expenses 
  • Your working ability and day-to-day function 

Manage All Communications

When you're trying to settle with the insurance company, your inbox might overflow with messages. It might seem like your phone will never stop ringing. Yet, when you entrust your auto accident claim to Dolman Law Group, you won't be bothered. That's because we'll deal with the claims adjuster, the at-fault party, the at-fault party's representatives, and anyone else involved in your case. 

File Your Case Within All Applicable Deadlines

Progressive wants to know about your accident as soon as possible so it can start processing your claim. However, if negotiations come to a standstill, we may file a lawsuit against the at-fault party. 

We generally have four years to litigate your case, per Florida Statutes § 95.11(3)(a). So, we recommend getting started on your claim as soon as possible. That way, you can have a wealth of options when settling. 

Explain Your Next Steps

Filing a successful insurance claim is more than notifying your insurance company and asking for compensation. It involves taking certain steps that protect your right to financial recovery. This includes: 

  • Refraining from giving a recorded statement
  • Limiting your posts on social media
  • Keeping track of your losses
  • Seeking medical care 

Once we familiarize ourselves with your case, we can explain what measures could protect your right to compensation. 

Should I Accept the First Offer from the Insurance Company?

By the time you call us, the insurance company may have already offered you compensation. Yet, you might not know whether it's enough to cover your losses. Before accepting compensation from the insurer, we ask that you run the offer by your insurer first. That way, we can determine whether the offer accounts for your losses and act accordingly. 

Be Careful About Accepting Compensation Without a Lawyer

If you accept compensation from the insurance company, your claim ends. That's because by accepting damages, you release the insurer from liability. This could prove detrimental to your situation if your damages are still unfolding. Once you settle, your decision is final. Any damages that you incur after accepting an offer would have to come from your own pocket. 

Progressive insurance claims in Florida aren't always straightforward. Our team is ready to start advocating for what you need today. To begin your free case review, reach out to Dolman Law Group. We're ready to start championing your legal rights now. 


Matthew Dolman

Personal Injury Lawyer

This article was written and reviewed by Matthew Dolman. Matt has been a practicing civil trial, personal injury, products liability, and mass tort lawyer since 2004. He has successfully fought for more than 11,000 injured clients and acted as lead counsel in more than 1,000 lawsuits. Always on the cutting edge of personal injury law, Matt is actively engaged in complex legal matters, including Suboxone, AFFF, and Ozempic lawsuits.  Matt is a lifetime member of the Million Dollar Advocates Forum and Multi-Million Dollar Advocates Forum for resolving individual cases in excess of $1 million and $2 million, respectively. He has also been selected by his colleagues as a Florida Superlawyer and as a member of Florida’s Legal Elite on multiple occasions. Further, Matt has been quoted in the media numerous times and is a sought-after speaker on a variety of legal issues and topics.

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