auto Complaint #IC-MOCPHQ1E-MWT6IE
Complaint Details
- Insurer: Progressive
- Insurance Type: auto
- Coverage Type: auto
- Reason: Unfair settlement
- State: Illinois
- Date Filed: 2026-01-03
- Disposition: Withdrawn
Complaint Summary
A consumer in Illinois filed a complaint against Progressive alleging an unfair settlement offer on their auto insurance claim. The policyholder believes the settlement amount does not adequately cover the documented losses. Filed on 2026-01-03, this complaint seeks a fair and complete assessment of the claimed damages. Status: Withdrawn.
Risk Assessment
Risk Level: Medium
This complaint involves a unfair settlement, which is a moderately common insurance dispute. While these issues can often be resolved through the insurer's internal processes, persistent problems may indicate systemic issues. Filing a state DOI complaint creates an official record and may expedite resolution.
What You Should Do
If you believe your settlement offer is too low, don't accept it immediately. Get independent repair estimates or medical valuations. Submit a counter-offer in writing with supporting documentation. Your state's unfair claims settlement practices act prohibits lowball offers. Consider hiring a public adjuster for property claims.
Understanding Auto Insurance Coverage
Auto insurance covers liability for bodily injury and property damage, collision and comprehensive coverage for your vehicle, uninsured/underinsured motorist protection, medical payments, and personal injury protection (PIP) depending on your state. Policies typically include deductibles that affect your out-of-pocket costs when filing a claim.
State Regulatory Information
Illinois Department of Insurance oversees insurance regulation and consumer protection. File complaints at insurance.illinois.gov or call 1-866-445-5364. Illinois requires insurers to acknowledge claims within 15 days and make decisions within 30 days.
Related Topics
- auto
- Unfair settlement
- auto insurance complaints
- Progressive complaints
- insurance complaints in Illinois
- Unfair settlement auto insurance
Frequently Asked Questions
What should I do if Progressive denies my auto insurance claim?
If your claim is denied, request a detailed written explanation citing the specific policy provision. Review your policy carefully, gather supporting documentation, and file a formal appeal within the deadline stated in your denial letter. You can also file a complaint with the Illinois Department of Insurance for an independent review.
How do I file a complaint against Progressive with my state insurance department?
Contact the Illinois Department of Insurance through their website or consumer hotline. You will need your policy number, claim number, a description of the issue, and copies of relevant correspondence. Most states allow online complaint filing and will investigate within 30-60 days.
What is a auto insurance complaint ratio and what does it mean?
The complaint ratio (also called the NAIC Complaint Index) measures how many complaints an insurer receives relative to its market share. A ratio above 1.0 means the company receives more complaints than expected for its size. A ratio below 1.0 indicates fewer complaints than the industry average.
How long does Progressive have to respond to my auto insurance claim?
Most states require insurers to acknowledge claims within 15 days and make a coverage decision within 30-45 days. Prompt payment laws vary by state — Illinois has specific statutory timeframes. If these deadlines are missed, you may have grounds for a bad faith complaint.
Can I sue Progressive for unfair settlement on my auto policy?
You may have legal options including filing a bad faith lawsuit if the insurer unreasonably denied, delayed, or underpaid your claim. Before litigation, exhaust the insurer's internal appeals process and file a complaint with your state DOI. Many attorneys offer free consultations for insurance disputes. Deadlines (statutes of limitation) vary by state.