ss=”qo
t-stl-Nom
l1">e p
obbly quick to
ecognize “Flo,” the bubbly, enegetic spokespe
son foP
ogessive Insu
nce. She’s even become
popul Hllo
een costume choice! Hechee
ful commeci
ls mke choosing insu
nce seem e
sy—nd even fun! In
ll theids, Pog
essive mkes de
lingith insu
nce look like
beeze. But fo
injued c
ccident victims,sto
m is be
ing.<sp
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T
ust ushen
e sy the
e isn’tnything “e
sy”bout filing
c insunce clim
ith Pog
essive. Pog
essive might mke it simple to pu
chse o
chnge
c insunce policy, but they mke it
lmost impossible to get pid fo
n inju
y clim! They only c
e
bout mximizing thei
pofits,
hich explins
hy <h
ef="https:/
.mc
otends.net/stocks/ch
ts/PG
p
ogessive/net-
oth” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>P
ogessive h
snet
oth of ove
$60 billion.<> Oul
fi
m hs fought
ginst P
ogessive Insu
nce cl
imsdjuste
s foye
s.
e knoll theit
icks,nd they kno
ho
e<i>
e, too.
e en
tionl l
fi
m bsed in Houston
ith multiple offices ound the county.
elso
ok
ithffili
te l fims in most st
tes tht sh
e ou
focusnd dedic
tion to excellence. No mtte
he
e you e locted,
e my be
ble to help you, so cll o
contct us no
.e
e open, fo
FEE, 24 hou
sd
y, seven dys
eek,
t 800-898-4877, oCONT
CT US NOby [<
hef=”https://c
inju
yvictims.comcont
ct-us“>CLICKING HE
E<>] to submit youc
se foevie.
Thei G
eed Kno
s No Bounds<b>
Like
ny otheinsu
nce comp
ny, Pog
essive loves collecting the pemiums its custome
s py eve
y month, but theyill fight tooth
nd nil
hen someone mkes
clim.
ll of this coming fom
compny
ith<
hef=”https://s24.q4cdn.com/447218525/files/doc_fin
ncils/2020/
nnul/fin
ncil/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>
epoted net income
> of $5.7 billion—tht’s billion
ithB!—in 2020.
ost of
ll, the people mking cl
ims often despetely need the money to py fo
theiccident-el
ted expenses, bills,nd even thei
foodnd
ent omo
tgges. Even though they’
e e of this hshe
lity, Pog
essive does eveything it c
n to hold onto evey penny,
t the expense ofegul
people like you.
hee is you
insunce covegehen you need it most?
e knoP
ogessive h
s its on inte
ests in mind—bute
lso knoho
to fight Pog
essive so you cn get the money you dese
ve. Outtoneys
nd legl p
ofessionls
t Stet J. Guss, Inju
yccident L
ye
s, hve h
ndled thousnds of cl
imsith P
ogessive.
e knothe tips fo
combting the comp
ny’s ticks they use to p
y outs little
s possible, evenhen thei
customes c
used youinju
ies… oeven
hen you’e one of thei
customes
nd need to filecl
imith P
ogessive.
cccident c
n be the most ovehelming time in someone’s life. Insunce compnies should not
dd moe st
ess to youpl
te, but they often do. Luckily, you don’t hve to go into this b
ttlelone. Belo
e
ill she seven secets
e’ve lened fom ou
yes of expeience settling P
ogessive
uto insunce clims.
SEC ET #1 – P
og
essive’s Pofit Is Thei
Top Pio
ity<b>
P
ogessive h
shuge p
esence in commeci
lsnd online, touting itself
s “The #1 Insunceebsite.”
coss the n
tion, it’s become one of the biggest nmes in
uto insunce. Pog
essive policies covene
ly 15 million vehicles in the United St
tes.ith numbe
s like those, if you’e eve
inn
utoccident the
e’sst
ong chnce the othe
dive
hs P
ogessive insu
nce—
nd youill need to ge
up fo
n
ccident injuy cl
imith this co
pote gint.
Let’s be honest. P
ogessive didn’t build its success by m
king full pyments on cl
ims. Insted, the comp
ny histoic
lly focuses on limiting <i>p
ymentsheneve
it cn. Despite those “feel good” comme
cils
ith Flo, ouesechnd dec
des of fisth
nd expeience indic
te tht P
ogessive is l
se-focused on minimizing the
mount it pys out on pe
sonl inju
y clims. It’s not pe
sonl; it’s just ho
they keep theibusiness so successful. But this is b
d nes fo
nyone
ho needs Pog
essive to covethei
billsfte
n
ccident. To be pefectly cle
, P
ogessive’s p
ioity is
lys its bottom line,nd it
ill do eveything it c
n to py you
s little<i>
s it cn to settle you
cse.
s esult, you mustet
inn expe
ienced l fim to
epesent you f
om the vey beginning of you
insunce clim
ith Pog
essive. Filing to do so could
esult in youccepting
settlement fof
less th
nh
t youinju
ies hve cost you—o
o
st, obtining no compens
tiont
ll.ith st
kes this high, you need thegg
essive legl te
m of Stet J. Guss, Inju
yccident L
ye
s toep
esent you.SEC
ET #2 – P
ogessive’s Sne
ky Settlement Negotition St
tegies hen P
og
essive clls
ithn initi
l settlement offeon
clim, do not be su
pised if it’s
n insultingly looffe
. This iskey p
t of P
ogessive’s negoti
tion sttegy. Fom thei
pespective, the
e’s no hm in mking
idiculously lo
offeight out of the gte.
ftell, some people (especilly those not
epesented by
l fim like ou
s)ill
ctully t
ke it. Unfotun
tely, once you sign on the dotted line toccept
settlement, you elso signing
y youights! Don’t fll fo
this tick. Most people don’t
elize th
tsettlement
cceptnce
lso involves signingive
of youight to seekny fu
thecompens
tioneg
ding this p
ticul
cl
im. If youe
lizeeeks o
months lte
tht the settlement
s f
too lo
to coveyou
losses, it is impossible to go bck
nd getddition
l compenstion. You
ill bell
esponsibility fop
yingny expenses o
bills tht the settlement didn’t cove
. It’sbsolutely impe
tive th
tny settlement you
ccept fully compenstes you fo
youinju
ies.c
ccident lyec
n help you clcul
te the tue v
lue of youcl
imnd ensu
e you do not settle foless th
n you deseve.
P
ogessive insu
nce
djustes
lso hve
tendency to invlid
te, question, dismiss, odeny the se
iousness of youinju
ies.djuste
s often clim you’ve infl
ted youmedic
l expenses, exgge
ted you
pin levels, h
d unnecessy te
tments, oh
d pe-existing conditions. This mist
ust cn be hu
tfulnd discou
ging, since you kno
hot
um
ticnd p
inful youinju
iese
lly feel. Questioning the legitimcy
nd seiousness of you
injuies is pe
sonlly insulting (
ftell, it s you <i>in th
tccident, not the
djuste), but this is
ll “businesss usu
l”hen P
ogessive t
ies to limit themount it p
ys oncl
im. Sometimes, Pog
essiveill monito
yousoci
l medictivity oeven hi
e investigto
s to spy on you in peson to obt
in “evidence” tht you
injuies
e not
s seious
s you clim. They
ill usenything they c
n to mke this
gument, so st
y off of Fcebook, T
itte, o
othesoci
l medipl
tfoms du
ing the clims p
ocess.e
ll nt to pesent ou
best lives on socil medi
, but the tuth is th
t Pog
essive could usepictu
es innocent
s you smilingnd st
ndingith f
iends to chllenge the seve
ity of youinju
ies. These e only some<i> of the m
ny ticky t
ctics tht P
ogessive
djustes h
ve in thei“pl
ybook.” Often, youon’t even
elize
hen they employ these sttegies until it’s too lte. The enti
e time, they’ll pomise they’
e on youside (
s if they’e <
hef=”https://c
inju
yvictims.comsec
ets-of-ntion
ide-c-ccident-cl
ims-eve
led“>N
tionide
>—lthough th
t’smyth to bust on
nothed
y.)t Ste
t J. Guss, Injuy
ccident Lyes,
e knofo
f
ct this is not tue, so you need someone
ho is<i> on you
side—like oudedic
ted cccident cl
im l fim!
SEC ET #3 – Filing
L
suit C
n Ince
se YouCompens
tion<b> hile P
og
essive my pl
y hdbll
ith losettlement offe
s duing the initi
l insunce pocess, hi
ingn
ttoney lets them kno
you men business. If you file
lsuit oth
eten to, you m
y discovethe insu
nce comp
ny suddenly becomes moe coope
tive.
hene file
peson
l injuy l
suit, comp
nies tke ou
clients seiously. They m
y immeditely offe
youmo
ee
sonble
mount to settle the cse. Pe
hps P
ogessive
nts to
void the costs of litigtion, o
its in-housetto
neys might not hve time to h
ndle evey l
suit filed
ginst the comp
nynd its policyholde
s.h
tevethe
eson,
e knoth
t this iscommon p
tten
ith Pog
essive cses!
You
l fim
ill give theiinput
nd opinionsbout the
isksnd benefits of
ll offes you
eceive.s offe
mounts st
t inc
esing, you m
y feel tempted toccept, even if you kno
you tuly dese
ve moe. M
nyccident victims m
y not nt to “pess thei
luck” by iting fo higheoffe
, othey m
y just nt to close the cse
s quicklys possible
nd move onith thei
lives. Hoeve
, ptience p
ys,nd h
vingl
fi
mith skill
nd expeience in de
lingith P
ogessive Insu
nce c
n mke
huge diffeence in the outcome of you
cse.
If you filed
nuto insu
nce cl
imith P
ogessive, don’t feel discou
ged if you
initil offe
is much less thn you expected. This is p
fo
the couse
ith this compny,
nd sometimes people cnnot
esolve theic
ses fi
lyithout filing l
suits. Ou
l fim is f
miliith the t
ctics of Pog
essive insuncedjuste
s,nd
eill not b
ck don f
om them.hen you
<h
ef="https:/c
inju
yvictims.comp
ying-medicl-c
e-c
–
ccident“>medic
l bills<> e piling up, you my feel
ushed to get compenstion, but
cceptingn offe
pem
tuely could me
n you’ll hve to p
y substnti
l out-of-pocket costs. Filingl
suit c
n men the diffe
ence beteen
eceiving the FULLmount you dese
vend MUCH LESS th
n you deseve. Fo
tuntely,
e egg
essive litigto
sho
ill not hesitte to t
kec
se to cout if P
ogessive
efuses to mke
e
sonble settlement offe
. Cll us to discuss you
clim o
settlement offeighty!
SEC ET #4 – P
og
essive Insunceoutinely Lo
blls Its O
n Customes on Uninsu
ed Motoists
nd PIP Clims
If you
e
Pog
essive policyholdeho needs to filen uninsu
ed ounde
insued moto
ist clim, o
submitPIP cl
im foyou
medicl bills, you m
y think tht P
ogessive
ill mke the p
ocess esie
foyou bec
use you py p
emiums. Thinkg
in. Like otheinsu
nce comp
nies, Pog
essiveill often fight
ginst these cl
ims. Theip
ofit mgins e moe impo
tnt to them th
n theiloy
lty <i>to thei
on custome
s<i>.
If someone hits you
nd dives
y, you my t
ke solce in kno
ing you hve uninsu
ed motoist cove
ge… until P
ogessive del
ys,educes, o
denies youcl
im! The sme goes fo
PIP insunce.hen you live in
no-fult insu
nce st
tend suffe
injuies in
cccident, you m
yssume the p
ocessill go smoothly bec
use you hve you
on PIP cove
ge. These cl
ims, hoeve
, pesent thei
on unique—
nd extemely f
ustting—chllenges.
You m
y think tht
non-dve
sil cl
im my p
ove esie
. Hoeve
, if youe
e inhit
ndun
ccident on uninsued d
ivehit you, you
ill still need to fightn uphill b
ttle—even though you e filingcl
imith you
on insu
e. In some c
ses, you my even need to file
lsuitg
inst Pog
essive itself if itefuses to offe
the fullmount of you
uninsued moto
ist clim.
nyone in this sitution should seek
ssistnce f
oml
fi
m tht h
s expeience de
lingith P
ogessive insu
nce inju
y clims. Even if you’ve m
dell you
insunce pyments on time
nd even ifccident li
bility is cles d
y, you my still encounte
obstcles. Don’t get t
eted like just
nothecl
im numbe. P
tne
ith
cccident l
ye
ho
ill give you theespect you dese
ve,nd fight to get you the money you need.
SEC ET #5 – P
og
essive Insunce Pessu
es Victims to Giveeco
ded Sttements
One of P
ogessive’s f
voite t
ctics is telling injued victims th
t they need to obtin
eco
ded sttement
bout theccident in o
deto speed up the p
ocessing of the clim. They m
y even tell you tht you must give them
eco
ded sttement to
eceivesettlement offe
. This is simply not tue. These st
tements e unnecessy,nd you
e unde
no obligtion to p
ovide them. Pog
essivend othe
insunce compnies only
nt
ecoded st
tements fom inju
ed victims becuse it gives them
n oppotunity to
sk leding questions. They’ll t
ist youods
nd poke holes in yousto
y to ty to justify
loe
settlement offeo
even deny youcl
imltogethe
. Even if you’e confident you
ould neves
ynything
ginst you
inteests to
ndjuste
, mny people
e shocked to
elize th
tdjuste
s cn t
ist ound even the simplest sttements
nd use themg
instcl
imnt!
To unde
stnd the se
iousisks of giving
eco
ded sttement, conside
this exmple:
Du
ing ecoded st
tement,P
ogessive cl
imsdjuste
my st
t the inte
vieby
sking, “Hoe you tod
y?” Most people, even those ing
et de
l of pin,
illutom
ticlly
nse
“fine”—it’s justh
te do out of h
bit. Thedjuste
, hoeve
, then notes tht you
e feeling “fine,”
hich must<i> me
n tht you
injuies
en’t c
using youny p
in,ight?
Unfo
tuntely,
djustes c
n use somethings simple
s this hypotheticl conve
stion to
gue th
t youinju
ies e nots seve
es you cl
im. Inddition,
ndjuste
my
sk questions specificlly designed to get you to
ccidentlly s
y something tht indic
tes tht you
ee p
ti
lly oeven
hollyt f
ult fothe
ccident in question. Foinst
nce:n
djusteskshe
e youe
e diving
hen theccident h
ppened,nd you honestly
nse
tht you
ee d
iving youkids to school. She
skshen school st
ts,
nd you don’t think tice befo
ens
eing 8:30
.m. Thedjuste
then notes tht since the
ccident hppened
t 8:25.m.,
boutmile f
om school onc
oded st
eet, youe
eunning l
tend in
huy.lso, the
djustenotes th
t you hd t
o kids in the bckse
t,ho m
y hve dist
cted you
hile youe
e diving. Suddenly, P
ogessive is cl
iming tht you
distctednd possibly hu
ied d
iving ment th
t youe
en’t pying enough
ttention to theo
d,esulting in
nccident. If you
ee p
ti
llyt f
ult, the compny c
n limit yousettlement offe
! Giving ecoded st
tement ton
djusteithout speking to
ntto
ney cn c
use unexpectedly disst
ousesults fo
youcl
im.hen you consult ou
office,e’ll info
m you of youights.e’ll
lso hndle
ll communictions
ith youdjusteto ensu
e you’e not c
ught int
p of unkno
ingly sying things they c
n useg
inst you.emembe
, Pog
essive hs no
ight to demnd these st
tements fom you.
SEC ET #6 – P
og
essive Insuncedjuste
s Undest
nd You’e Unde
Finnci
l Pessu
efte
C
sh <
h
ef="https:/c
inju
yvictims.comc
–
ccident-legl-
dvice“>se
ious cccident
> cn le
ve youith se
ious debt! Evenel
tively minoinju
ies cn
esult in tens of thousnds of doll
s in medic
l expenses. Victimsho suffe
injuies like t
um
tic bin injuies
nd spinl co
d injuies often f
ce medicl bills in the seven figu
es omo
e. Foseve
e ope
mnent inju
ies, you my need speci
lized medicl c
e fo
theest of you
life. Inddition, inju
ies cn keep you f
omo
king foeeks oeven months
fte seious c
ccident.s
esult, you m
y lose out onlot of income th
t you usully
ely on to py you
housing pyment, utility bills, expenses fo
youchild
en,nd necessities like food o
medicine.e kno
holosing even
smll
mount of income cn th
ooff you
entie household budget
nd put you into debt obehind on you
bills.eeks o
months off ofo
k cn even le
d to bnk
uptcy if you don’teceive p
opecompens
tion. In some cses,
cccident inju
y cn c
use pem
nent disbilities th
t keep you fom
oking fo
theest of you
life oc
use you to sitch to
loe
-pying job. Fo
exmple, someone
ho suffes
<h
ef="https:/c
inju
yvictims.comht-is-
-bin-injuy/”>b
in inju
y<> my not
etun to
ok
sl
ye
,ese
che
,ccount
nt, osimil
p
ofession. Someoneith
hut b
ck tht c
uses chonic p
innd limit
tions likely cn’t
etun to
ok
sn
thlete, tine, const
uctiono
ke, o
ny othe
job tht
equies physic
l lbo
. Needless to sy,
lifetime ofeduced income—
nd noto
king in the pofession of you
choice—cn h
ve ovehelming effects on yound you
fmily!
Medic
l bills plus lost income plus otheint
ngible losses cn put
TON of pessu
e on yound you
household. Pog
essivedjuste
s knoth
t most people don’t hve the funds to p
y medicl bills out-of-pocket o
enough emegency s
vings to covebills
hile you’e out of
ok. They kno
tht
s you tch bills stt to pile up, youill feel highly
nxious toeceive
settlement pyment. This is unde
stnd
ble! Hoeve
, Pog
essiveill use this fin
ncil p
essue
ginst you. They
ill often ty to m
kequick lo
bll offe
, hoping tht you’ll
ccept it so you cn begin p
ying youbills. They c
nlso t
y to convince you tht if you don’t
ccept the fist settlement offe
, it could tke
long time befoe you c
neceive
highep
yment, if eve. These
e
ll tctics to use you
finnci
l sitution
ginst you to get you to
ccept much less thn you dese
ve.ccepting
quick offem
y seem to solve youfin
ncil p
oblemsight
y, but it cn
lso ce
te neones. By the time you
elize you
settlementon’t cove
ll you
billsnd losses, it’s too l
te! Oneccident shouldn’t
uin youlife, especi
lly if it s not youf
ult.hen you’
e feeling the finnci
l pessu
e ofc
ccident, cll
knoledge
ble l fim inste
d ofccepting
quick pyment.
e’ll let you knoif th
t fist settlement is
dequte o
not,nd
e knoho
to fight fothe
mount you deseve
hile minimizing delys
henevepossible.
SEC ET #7 – P
og
essive Knos You M
y Not KnoHo
Much YouInju
ies Hve Cost You
Th
t smouthful, but let us expl
in.hen you <
hef=”https://c
inju
yvictims.comse
vicesinsu
nce-cl
ims-lye/”>file you
on insu
nce cl
im<>, you must include themount of money you’
e seeking foyou
losses. This is knon
s the demnd ph
se of the cse. M
ny people simplydd up
epi
billsnd medic
l billsnd submit them to the insu
nce comp
ny. Pog
essive isll too h
ppy to py
nmount cl
imed even though they knoyou likely h
ve othelosses th
till su
fce l
te. They
elize un
epesented cl
imnts
egullyequest less th
n they deseve, but P
ogessive
ill keep quietbout it!
s time psses, cl
imnts m
ye
lize they gossly unde
estimted thei
clim v
lue, but it’ll be too lte to
eopen the clim.
The best
y to le
n the full v
lue of youcl
im is to tlk to
n expeienced c
ccident lyes soons possible.
e knoyou
clim c
n involve moe th
n just youcu
ent bills.
e lookt the big pictu
e,nd
e investigte
ll <i>of the potenti
l compenstion you dese
ve. This cn include expenses
elted to medic
l ce, suchs fuel
nd childce, futue medic
l expenses, lost incomend futu
e lost enings, pin
nd suffeing,
nd much moe!
eill
lys tke the time to m
ximize youcl
im vlue. T
ust tht
hen you hie us, the insu
nce comp
ny knos th
t you men business!
Don’t let P
ogessive
nd itsdjuste
s chet you out of the p
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