If you are dealing with the frustration of having your accident claim denied, it’s important to understand that you might have other options for recovering compensation. A Phoenix car accident lawyer can help you understand all your options and how to proceed.
This could include filing an appeal of your claim, gathering evidence, or even building a case for negligence, including reviewing time frames to ensure you don’t run out before it is settled.
Your lawyer can arm you with knowledge on what tactics insurance companies might use when denying claims and show you how to win financial compensation even if Progressive denies your car accident claim.
What Reasons Might Progressive Have For Denying a Claim?
There are a few potential reasons Progressive could deny your accident claim:
Lack of liability: If the insurance adjuster determines you were at fault or held the majority of fault for the accident based on their investigation, they may deny your claim.
Policy exclusions: Your policy may have exclusions that prevent coverage for certain types of accidents.
Pre-existing damage: If they believe some of the damage existed prior to the accident, they may deny that portion of your claim.
Fraud: In rare cases, Progressive may suspect fraud or misrepresentation related to your claim and deny coverage on that basis.
Lack of coverage: They could deny the claim if it is determined you do not actually have coverage for the type of loss or damage involved.
Failure to document: If you do not provide Progressive with needed documentation, information, or access to damaged vehicles/property, they may deny your claim
Statute of limitations: There are time limits to filing an accident claim. If you file outside that window, they could legally deny the claim.
Seeking legal advice could also be worthwhile to determine if their denial was justified or potentially in bad faith. There may be loopholes in the policy language or other ways to force the insurance company to honor your claim.
For a free legal consultation, call 866-499-8989
What Are My Options if My Progressive Claim is Denied or They Don’t Offer Enough Money?
If your Progressive claim is denied or you think they are lowballing you, here are some options:
Gather More Documentation and Evidence
Review your policy and gather estimates and documentation to support your claim. This can help strengthen your case if you appeal the denial.
Appeal the Claim Denial
Submit your additional documentation and evidence and formally appeal their decision. Request to speak to a supervisor or claims manager.
File a Complaint With Your State Department of Insurance
Most states have an agency that regulates insurance companies. Filing a complaint can prompt them to reconsider your claim.
Hire an Attorney
If the insurer still refuses to pay, your personal injury lawyer can review your claim and documentation to build a stronger case. An attorney can send a demand letter or threaten legal action.
File a Lawsuit Against Progressive
As a last resort, you can sue Progressive for breach of contract if they wrongfully denied your claim. A lawyer may be able to help you gather strong evidence and documentation to support your case.
Insurance Companies Have Legal Obligations
Progressive Insurance, just like any insurance company, is legally obligated to settle insurance claims in good faith. This means that they must obey the laws and regulations set in place and make honest attempts to solve any claims presented.
In order for a claim to be deemed legitimate, certain criteria must be met, including the fact that damages can not simply be denied without sufficient evidence. If a car accident is treated unfairly or maliciously by an insurance company, then it counts as bad faith insurance handling.
Some examples of bad faith can be:
- Forcing claimants to litigate against the company to get fair claim payments
- Using policy limitations or exclusions to deny claims, even if they are valid under the circ*mstances
- Engaging in misleading, fraudulent, or dishonest strategies
- Making unreasonably low settlement offers without evaluating the claim in its entirety
- Deliberately prolonging the payment of valid claims in order to increase the pressure on the claimant to accept a lesser amount
- Providing the policyholder with false or misleading information regarding the claim or coverage
- Failure to notify the policyholder of the status of the claim investigation and delays
- Unjustified claim denials – denial of valid claims without appropriate investigation or justification
Victims of bad faith insurance cases have the right to seek compensation from Progressive Insurance that equals the value of damages.
This includes anything related to:
- Lost wages
- Medical bills
- Property damage
- Vehicle repair or replacement
- Other costs related to the accident
Furthermore, those who suffer from this type of mistreatment may also receive additional money if deemed necessary by a court ordering Progressive Insurance to act in good faith.
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Contact Us Today to Find Out How a Car Accident Lawyer Can Help
If your Progressive insurance claim has been denied, you have options to fight the denial and pursue justice. A personal injury attorney can fight for you and seek the full value of your compensation. With years of experience in representing claimants against insurers, we have a deep understanding of how to combat their tactics.
We know that suffering a serious injury due to another person’s negligence is traumatic and complicated enough without being met with additional roadblocks from insurance companies. Our legal team will work closely with you toward getting fair compensation.
Zanes Law will handle all contact with insurance providers, aggressively negotiating to improve your financial recovery. We cover all litigation costs until the case is settled and handle your claim on a contingency fee basis, so there is no out-of-pocket charge to you. Contact us today.
Call or text 866-499-8989 or complete a
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