Our office continues to operate during our regular business hours, which are 8:30 am - 5:30 pm, Monday through Friday, but you can call the office 24 hours a day. We continue to follow all recommendations and requirements of the State of Emergency Stay at Home Order. Consultations are available via telephone or by video conference. The safety of our clients and employees is of the utmost importance and, therefore, in-person meetings are not available at this time except for emergencies or absolutely essential legal services.

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Progressive Car Insurance Claims

Charlotte Lawyers for Progressive Car Insurance Claims

Progressive Insurance Company is one of the largest auto insurance groups in the United States. The car accident attorneys at Arnold & Smith, PLLC have decades of combined experience litigating against all of the major car insurance companies, which includes Progressive Insurance Corporation. If you have suffered an injury in a car accident and need to submit a claim with Progressive Insurance, we can help.

Our Experienced Attorneys Know How to Negotiate with Progressive Insurance

Our attorneys know all of the ways that insurance companies try to deny claims or offer too little in terms of settlement amounts. In fact, one of our founding attorneys, Matthew Arnold worked as a defense attorney for car insurance companies at the beginning of his career. He has inside, first-hand knowledge of the way insurance companies process claims. He can use this knowledge to persuasively negotiate with insurance companies on behalf of his clients. To schedule your free initial consultation, contact our Charlotte personal injury law office today.

About Progressive Mutual Insurance Company

Progressive Mutual Insurance Company is one of the oldest insurance companies in the United States. Founded in 1937 by a few lawyers, the company sought to provide vehicle owners with security and protection. The company offered driver-in claims before any other insurance company. It was also the first insurance company to allow customers to pay their premiums in monthly installments. Progressive became a publicly traded company in 1987 and surpassed $1 billion in premiums. Progressive currently offers customers the following technology features:

  • Online claims that allow customers to report auto accident claims in minutes
  • Agent locator that uses your zip code to locate a local independent insurance agent
  • Scrolling rate ticket which shows Progressive rates next to other insurance company rates
  • Talk to me feature which allows customers to quickly speak to a representative
  • An instant quotes feature that allows customers to receive instant online insurance quotes
Common Reasons that Progressive Insurance Denies Claims

As one of the largest auto insurance companies in the U.S., Progressive Insurance often denies customer insurance claims. Learning that Progressive Insurance denied your claim can be extremely troublesome, especially when your medical bills are stacking up. You might feel like you do not have any way to recover compensation for your injuries. At Arnold & Smith, PLLC, we understand how frustrating it is to face denial by Progressive Insurance Company. We can help you appeal their decision and advise you as to all of your legal options.

Progressive Insurance Denies Claims Due to Policy Limits

Every insurance policy has limits. When customers choose their car insurance, they select the limits they would like. The higher the policy limits, the more Progressive will pay in bodily injury and property damage from an accident. Progressive Insurance will deny insurance claims when any of the following situations are true:

  • The customer has already exhausted his or her coverage limits in another accident
  • The claim for bodily and property damage exceeds the coverage limits
  • The customer filed a claim for coverage that he or she did not purchase

For example, if a customer did not purchase collision coverage, Progressive Insurance will not pay the cost of motor vehicle repairs resulting from the accident.

Progressive Insurance Will Deny Claims When the Customer Engaged in Illegal Activity

Under North Carolina law, Progressive Insurance does not have to pay out damage claims when the driver was engaged in illegal activity when the accident occurred. Progressive Insurance can legally deny your claim when you violate the terms of your insurance agreement or you violate state law, such as:

  • The claimant drove without a valid car insurance policy
  • The claimant drove without a valid North Carolina license
  • The accident was avoidable
  • The claimant drove while intoxicated or under the influence of drugs or alcohol
Other Reasons Progressive Insurance Denies Claims

Progressive Insurance may deny claims when any of the following situations occur:

  • The customer did not immediately report the accident when Progressive or the police
  • The customer intentionally or unintentionally misrepresented information when getting a quote and Progressive Insurance discovered the misrepresentation
  • The injured party did not seek medical attention after the accident, making the insurer suspicious that you are filing a claim for injuries.
If Progressive Insurance Denied Your Car Accident Claim, We can Help

At Arnold & Smith, PLLC, we are familiar with all of the common reasons Progressive Insurance uses to deny claims. Contact our Charlotte car accident law firm today to schedule your free initial consultation. Call 24 hours a day, 7 days a week at 704.370.2828.

Client Reviews
★★★★★
Arnold & Smith was great. They are always on time for your case, they really know what they are talking about. They are very good about giving you updates on your case. I highly recommend everyone to use Arnold & Smith as your attorney they will make sure you get the best result possible for your case. By far the best attorney in the area. Austin
★★★★★
Resonable expectations were set and the results far exceeded them. I was well informed, prepared and supported by Matt and his team. They provided comfort and confidence, as well as a great outcome. I can't possibly describe how grateful I truly am for what they have done for me. Matt was recommended to be by another trusted individual and I believe that was a blessing. Anthony
★★★★★
I can't say enough great things about Matthew Arnold and his team. I had a very complicated, high-conflict case which took a lot of time and effort on everyone's part, and I feel like my case was given the time and attention it required. Matt Arnold is a great attorney, and I would go as far as saying one of the best in Charlotte, if not the best. Bree is also amazing. Amber