A car accident, whether a minor wreck or something more serious, can be a stressful situation for anyone. Filing and collecting on a claim with an insurance company can add to this stress. Unfortunately, it is commonplace for an insurance company to offer a very low amount to an injured party and then pass them around to several claims adjuster. Consider contacting a New Orleans personal injury lawyer if you believe the insurance company short-changed your injury. Fortunately, many insurance companies provide several resources online to assist in the navigation process. If you or the other driver is insured by Progressive, expect to receive a call from Flo or other individuals at Progressive.
After a car accident, the first priority is to check for possible injuries. Contact the authorities once possible after the crash. While investigating the accident the police gather notes; however, it is critical to write down vital information as well. This includes name, phone number, address, and insurance company and policy number for the other driver.
Visit Progressive or contact them at 1-800-274-4499 to begin the Progressive claim process. Prior to filing your claim, collect names, addresses, policy numbers, as well as any other pertinent information to help speed up the process. Progressive recommends you contact them as soon as possible to inform them of the claim after an accident.
After contacting Progressive of your claim, a specialist will contact you, typically before the end of the day. Any questions you may have can be answered by a claims specialist who will explain the process to you. During this time, a vehicle inspection will be set up to evaluate the damage as well as provide an estimate of costs. However, the estimate provided by Progressive is not a guarantee but a reasonable expectation and is possible to change.
If additional damage is discovered by the mechanic, Progressive will re-evaluate your vehicle and provide a supplemental estimate. When considering where your vehicle is repaired, Progressive allows customers to select from a repair shop in their network, one of their Service Centers, or you can select your own repair shop. Claims are generally processed faster when selecting a repair shop in their network.
To secure a sufficient settlement, it is imperative to be aware of special and general damages and how they are calculated for Progressive. Special damages, such as medical bills, lost wages, and vehicle damage, is easily calculated. However, general damages include pain and suffering and can be complex to compute. To calculate general damages, a multiplier may be applied by Progressive to the special damages based on injuries obtained, severity and circumstances of the accident, recovery time, as well as other factors. Several insurance companies utilize a software program known as Colossus to compute the settlement. The software program Progressive uses is called COA to analyze your claim. An insurance adjuster from Progressive adds data pertaining to your claim. COA provides a recommendation based upon other settlements in your location.
Be aware when providing a statement or information to an insurance company; they have their best interests in mind, not yours. Steering your way through a personal injury claim following an accident can be a long and arduous process. Often times, it requires the assistance of an experienced personal injury lawyer. If you experienced physical or mental injury or have been unable to work due to a car accident, consider contacting an experienced Louisiana personal injury attorney.
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