Is Progressive difficult to deal with?

Asked by: Keyshawn Osinski  |  Last update: May 5, 2025
Score: 4.1/5 (35 votes)

Trust us when we say there isn't anything “easy” about filing a car insurance claim with Progressive. Progressive might make it simple to purchase or change a car insurance policy, but they make it almost impossible to get paid for an injury claim!

Is progressive insurance hard to deal with?

Progressive is one of the largest insurers in the United States, thanks to the beloved Flo as seen on TV. While their reputation precedes them, filing a claim against Progressive can turn into a difficult task car accident victims shouldn't have to deal with.

What is the reputation of Progressive?

Complaints and customer satisfaction

Progressive ranked No. 9 out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction.

How good is Progressive at paying claims?

Progressive placed second to last out of 21 car insurance companies surveyed in JD Power's claims satisfaction study of 2024 with a score of 672/1,000, only beating Mercury. For reference, the study average was 697/1,000, and NJM Insurance Co. earned the first spot at 782.

Is Progressive known to deny claims?

An insurance company like Progressive may deny a car accident claim for numerous reasons, some of the most common being unclear evidence of who is at fault, a lack of documentation, coverage limits, and suspected fraud.

What Not To Say A Progressive Insurance Adjuster

27 related questions found

Does Progressive send out an adjuster?

Your insurance company will appoint an insurance adjuster, or multiple adjusters, to investigate your claim. Typically, the adjuster contacts you within one to three days of the claim filing. Your adjuster arranges an inspection, assesses the damage to your car, and/or addresses any personal injury claims.

How long does it usually take Progressive to pay a claim?

In California, insurance companies have 30 days from the settlement to send a check out. Refusal to do so can be grounds for a bad faith lawsuit. You may receive the check directly within a few weeks, or it may be sent to your attorney, who will deposit it and apportion it depending on the fees you accrued.

Who is the most trusted insurance company?

Best car insurance companies
  • Best for customer satisfaction: Erie Insurance.
  • Best for seniors: Nationwide.
  • Best for liability insurance: Auto-Owners.
  • Best for claims filing : State Farm.
  • Best for bundling: American Family.
  • Best for accident forgiveness: Progressive.
  • Best for military members and veterans: USAA.

Which one is better, Geico or Progressive?

According to the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, both companies scored below average for customer satisfaction. That said, Geico did score higher than Progressive, with 692 out of 1,000 compared to 672. Keep in mind that these are scores based on customer feedback.

How to negotiate with Progressive?

How Should You Approach Progressive?
  1. Analyze your full claim to identify all sources of compensation.
  2. Gather medical records and objectively assess the extent of injuries.
  3. Inspect vehicle and property damage to document claim scope properly.
  4. Challenge any unjust liability denials or premature conclusion of claims.

Is Progressive better than State Farm?

State Farm has cheaper home and car insurance quotes than Progressive. It also has higher customer satisfaction ratings. However, Progressive offers more discounts and coverage options, including gap insurance. Progressive is better for specialized car insurance coverage.

What are some of the popular Progressive issues?

Progressives were interested in establishing a more transparent and accountable government which would work to improve U.S. society. These reformers favored such policies as civil service reform, food safety laws, and increased political rights for women and U.S. workers.

How hard is it to cancel Progressive?

Progressive makes it difficult to cancel your auto policy without speaking to someone on the phone, as we discussed above. There is no way to cancel through your Progressive app or on their website. If you wish to email your cancellation request to Progressive you can.

What is Progressive being sued for?

The 69-page complaint filed on April 26 alleges that multiple car insurance companies — including the Progressive Corporation (“Progressive Insurance”), USAA and its affiliates — owed “duties of good faith and fair dealing to hundreds of thousands of California residents and businesses each year,” the complaint said.

Does Progressive raise your rates after an accident?

If you're responsible for an accident, your rate will almost always go up unless your insurer offers some sort of accident forgiveness feature. For example, with Progressive's Large Accident Forgiveness, your rate won't increase in most states if you're at fault in an accident with a claim exceeding $500.

Is it best to have all your insurances with one company?

The Bottom Line. Combining all of your policies with one insurance company can save you money compared to having a variety of carriers.

Who typically has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.

Is Progressive good about paying claims?

Progressive claims handling

Progressive scores 3.4 out of 5 for claims handling, earning our No. 10 spot among companies in our rating.

Is Progressive Insurance hard to settle a claim?

Progressive's advertisements depict that purchasing insurance coverage is easy, but Progressive conveniently leaves out the fact that convincing them to pay a claim is not equally easy. “Flo” does not play an insurance claims adjuster. Progressive will likely kick in fast after a claim has been filed.

Do I have to pay deductible if I was not at fault Progressive?

If a driver hits you, your collision coverage will still cover the damage to your vehicle, but you won't have to pay your deductible. In some states, the driver must also be uninsured for a CDW to apply.

Does Progressive pay pain and suffering?

Settlements can range from a couple thousand dollars to millions of dollars. Settlements can include compensation for things like medical bills, lost wages, loss of earning capacity, pain, suffering and more.

What not to say to insurance claim adjuster?

Eight things NOT to say to an insurance adjuster are:
  • admitting fault,
  • anything about your injuries,
  • anything on the record,
  • speculating about the crash,
  • that you do not have a lawyer,
  • providing unnecessary information,
  • accepting a settlement, and.
  • sharing medical records.

Who gets the insurance check when a car is totaled?

If you own the car outright, you will receive the check. If not, the check goes to the leasing company or the lender, otherwise known as the lien holder. If you owe money on the vehicle, you should notify the lending company that your car has been totaled.