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Progressive is one of Colorado's most common auto insurers, but they consistently rank near the bottom in claims satisfaction surveys. Their combination of quick-but-low offers, aggressive investigation, and in-house adjusters means you need to be prepared before you file. Here is what to expect.
Bottom 2
J.D. Power Ranking
Among worst for claims satisfaction
In-House
Adjuster Model
Adjusters are Progressive employees
#3
Market Share
Third-largest U.S. auto insurer
Call 1-800-776-4737, use the Progressive app, or file at progressive.com. Progressive is generally fast at acknowledging claims and assigning a claims representative.
Progressive tends to investigate claims more aggressively than average. Expect detailed questions about the accident, requests for documentation, and a thorough review of the police report. They may also use surveillance in higher-value injury claims.
Progressive uses their own in-house adjusters for vehicle inspections. They may also offer their mobile app photo estimation tool. Remember: you have the right to choose your own repair shop in Colorado, and you are not required to use Progressive's network.
Progressive often makes a quick initial offer, especially for smaller claims. The speed is deliberate: they want to close claims before you fully understand their value. For injury claims, their first offer is a starting point for negotiation. Do not accept before your treatment is complete.
Progressive is fast. They will often have an initial offer ready before you have even started medical treatment. This speed is a tactic, not a courtesy. Quick offers close claims cheaply before the true cost of your injuries is known. Do not let urgency push you into accepting less than your claim may be worth.
Progressive's adjusters are company employees, not independent evaluators. Their performance metrics include claim costs and closure rates. This creates a structural incentive to undervalue your claim. When a Progressive adjuster says their offer is "fair," understand that "fair" is defined by the company they work for.
Progressive invests heavily in claims investigation. For higher-value claims, they may conduct surveillance, review your social media, and hire investigators. This is legal, but you should be aware of it. Avoid posting about your accident, injuries, or activities on social media while your claim is open.
Progressive frequently challenges the necessity or cost of medical treatment. They may argue that chiropractic care was unnecessary, that physical therapy went on too long, or that your treatment was not related to the accident. Keep detailed records of all medical advice and follow your doctor's treatment plan.
Colorado requires Progressive to offer MedPay. If you have it, file the MedPay claim immediately. It pays your medical bills regardless of who caused the accident, with no deductible. Use it while the liability claim is being resolved to cover out-of-pocket medical costs.
If the at-fault driver was uninsured or underinsured, your Progressive UM/UIM coverage applies. Progressive is required by Colorado law to offer this coverage. Be prepared for an adversarial process on UM/UIM claims. Progressive will essentially negotiate against you, their own customer. Attorney representation is recommended.
Progressive's low claims satisfaction scores and aggressive investigation tactics mean that legal representation can make a significant difference. Consider a lawyer in these situations:
An experienced Colorado personal injury attorney can counter Progressive's quick-and-low tactics and fight for what your claim is actually worth. Free case review, no obligation, and most charge no upfront fees.
Talk to an Attorney - Free, No Obligation