Progressive Class Action Lawsuits, $159 Million in Settlements, Eligibility, Deadlines and How to File Claims
Progressive Insurance faces multiple active class action settlements totaling over $159 million across four states. Three settlements have claim deadlines approaching or still open: Florida debt collection ($500K, deadline November 24, 2025), Ohio data breach ($3.25M, deadline February 18, 2025), and Georgia total loss ($43M, final hearing May 15, 2025). Two additional settlements in New York ($48M) and Michigan ($61M) have received final approval with payments being distributed.
Five Active Progressive Settlements: Which One Applies to You?
Progressive Insurance is resolving multiple consumer protection lawsuits across different states and claim types. Understanding which settlement applies to your situation determines your eligibility for compensation.
1. Florida Debt Collection Email Settlement ($500,000)
The lawsuit alleged Progressive sent debt collection emails to Florida residents outside the hours allowed by state law, violating Florida’s Consumer Collection Practices Act.
Settlement Status: Preliminary approval granted July 31, 2025
Claim Deadline: November 24, 2025 (STILL OPEN)
Final Approval Hearing: December 8, 2025
Who Is Eligible: Florida residents who, between July 2, 2022 and May 16, 2025, received a billing-related or cancel-related email from Progressive between 9:00 pm and 8:00 am local time
Compensation: Cash payment amount to be determined based on number of valid claims
How to File: Submit claim form online at the settlement administrator’s website or by mail
2. Ohio Data Breach Settlement ($3.25 Million)
The lawsuit involved a security incident at a third-party call center vendor where employees delegated job duties to unauthorized individuals who may have viewed Progressive customer personal information including Social Security numbers, driver’s license numbers, dates of birth, and financial account numbers.
Settlement Status: Preliminary approval granted September 19, 2024
Claim Deadline: February 18, 2025 (STILL OPEN)
Final Approval Hearing: February 25, 2025, at 9:30 a.m.
Who Is Eligible: Progressive customers whose personal information may have been compromised in the data breach
Compensation: Three years of credit monitoring and insurance services at no cost, plus up to $5,000 per person for documented losses incurred as a result of the data breach
How to File: Submit claim form online at ProgressiveSecuritySettlement.com or by mail using unique class member ID from settlement notice
3. Georgia Total Loss Undervaluation Settlement ($43 Million)
Plaintiffs accused Progressive of undervaluing total loss claims in Georgia by applying a flawed methodology, resulting in policyholders being paid less than they were owed.
Settlement Status: Awaiting final approval
Claim Deadline: No claim form required for automatic payment
Final Approval Hearing: May 15, 2025
Exclusion/Objection Deadline: April 30, 2025
Who Is Eligible: Georgia residents who made a first-party claim on a vehicle based on an Instant Report from Mitchell with a Projected Sold Adjustment applied to at least one comparable vehicle between October 11, 2015 and February 18, 2025 (Progressive Mountain Insurance) or June 8, 2016 and February 18, 2025 (Progressive Premier Insurance of Illinois)
Compensation: Cash payment with average estimated at $173, with final payout depending on number of participants
How to Receive Payment: Automatic payment to class members who do not exclude themselves
4. New York Total Loss Settlement ($48 Million) – FINAL APPROVAL GRANTED
Progressive agreed to a $48 million settlement with 93,000 New York policyholders who claimed they were underpaid on total loss vehicle claims, with the settlement representing roughly 54% of alleged compensatory damages plus pre-judgment interest.
Settlement Status: Final approval granted March 7, 2025
Claim Deadline: CLOSED (appeal window in progress)
Who Was Eligible: New York drivers who filed total loss claims since July 28, 2015
Compensation: After deducting attorneys’ fees and administrative costs, about $31.3 million distributed, averaging around $335 per policyholder
Payment Status: If the appeal window passes without appeal, at least $31,200,000 will be distributed to settlement class members, with checks dated November 4, 2025 or later
5. Michigan Total Loss Settlement ($61 Million) – FINAL APPROVAL GRANTED
The lawsuit alleged Progressive Marathon and Progressive Michigan breached insurance policies by failing to include sales tax, title fees, and registration transfer fees in actual cash value calculations when paying total loss claims.
Settlement Status: Final approval granted November 21, 2024
Claim Deadline: December 6, 2024 (CLOSED)
Who Was Eligible: Anyone insured under a Progressive Marathon automobile insurance policy in Michigan who received a total loss payment between July 18, 2013 and July 22, 2024, or anyone insured under Progressive Michigan who received a total loss payment from July 18, 2016 through July 22, 2024
Compensation: 45%, 55% or 65% of unpaid sales tax, title, or vehicle registration fees depending on attorneys’ fee approval amount
Payment Status: Settlement Administrator is reviewing claim forms for validity
How to File Claims for Active Settlements
Florida Debt Collection Settlement (Deadline: November 24, 2025)
Step 1: Verify you received billing-related or cancel-related emails from Progressive between 9:00 pm and 8:00 am local time from July 2, 2022 to May 16, 2025
Step 2: Gather evidence of emails including timestamps showing receipt during prohibited hours
Step 3: Submit claim form through settlement administrator’s website or mail paper claim form
Contact Information:
- Settlement Administrator: Frechou v. Progressive Direct Insurance Company c/o Kroll Settlement Administration LLC
- Address: P.O. Box 225391, New York, NY 10150-5391
- Phone: 833-621-8303
Ohio Data Breach Settlement (Deadline: February 18, 2025)
Step 1: Locate your unique class member ID from settlement notice mailed to you
Step 2: Visit ProgressiveSecuritySettlement.com or call (833) 739-0853
Step 3: Complete claim form online using your unique ID or download PDF claim form
Step 4: For out-of-pocket losses, provide documentation supporting claims up to $5,000
Contact Information:
- Website: ProgressiveSecuritySettlement.com
- Mail: Okonski v. Progressive Casualty Insurance Company, c/o Kroll Settlement Administration LLC, PO Box 225391, New York, NY 10150-5391
- Phone: (833) 739-0853
- Email: [email protected]
Georgia Total Loss Settlement (Final Hearing: May 15, 2025)
No Claim Form Required: Class members who do not exclude themselves will automatically receive a settlement payment
To Opt Out: Submit exclusion request postmarked by April 30, 2025
To Object: Submit written objection postmarked by April 30, 2025
Contact Information:
- Settlement Administrator: Brown v. Progressive Settlement Administrator
- Address: P.O. Box 4178, Portland, OR 97208-4178
- Email: [email protected]
- Phone: 888-604-7469
Legal Framework: Understanding the Allegations
Florida Consumer Collection Practices Act Violations
Florida’s Consumer Collection Practices Act restricts when debt collectors can communicate with consumers, prohibiting communications between 9:00 pm and 8:00 am.
The lawsuit alleged Progressive violated this statute by sending billing-related and cancel-related emails outside permitted hours, subjecting the company to statutory damages and attorney fees.
Data Breach and Negligent Security Claims
The lawsuit alleged negligent data security practices resulted in a data breach compromising personal information of approximately 350,000 people when third-party call center employees improperly disclosed access credentials to unauthorized individuals.
Claims included:
- Negligence in data security practices
- Breach of implied contract to protect customer data
- Violation of state consumer protection statutes
- Unjust enrichment
Total Loss Undervaluation Allegations
Multiple states alleged Progressive systematically undervalued total loss vehicle claims by using third-party software that improperly calculated actual cash value.
Projected Sold Adjustment (PSA) Controversy:
Plaintiffs argued Progressive used Mitchell International’s WorkCenter Total Loss software which applies a “projected sold adjustment” that improperly undervalues claims by accounting for haggling that no longer occurs due to online pricing transparency.
This practice allegedly results in an average underpayment of 6.5%, breaching auto insurance policies and violating state insurance laws.
Legal Claims in Total Loss Cases:
- Breach of contract (insurance policy provisions)
- Violation of state General Business Laws
- Violation of state insurance regulations requiring payment of actual cash value
- Unjust enrichment
Michigan Statutory Fee Requirements
Michigan law requires insurers to include sales tax, certificate of title fees, and vehicle registration transfer fees when calculating actual cash value for total loss payments.
The lawsuit alleged Progressive’s failure to include these mandatory fees violated Michigan automobile insurance policies and state insurance regulations.
What “Actual Cash Value” Means and Why It Matters
Insurance Policy Language
Most Progressive auto insurance policies promise to pay the “actual cash value” (ACV) of a vehicle in total loss situations. Progressive’s policies state ACV “is determined by the market value, age, and condition” of a vehicle at the time of loss.
The Valuation Dispute
The central dispute in multiple lawsuits involves how Progressive calculated market value:
Progressive’s Method: Used third-party software that applied adjustments estimating the impact of haggling on used car sales
Plaintiffs’ Argument: Online pricing transparency has made haggling obsolete, so adjustments artificially reduced payouts
Court Findings: Plaintiffs claimed applying Projected Sold Adjustments reduces base values contrary to appraisal standards and used car industry market pricing practices
Recent Court Rulings and Legal Developments
New York Settlement Approved
The court issued a Final Approval Order on March 7, 2025, after holding a Final Fairness Hearing on March 5, 2025, at which the court approved the settlement as fair, reasonable, and adequate.
Pennsylvania Class Decertified
In July 2025, the U.S. Court of Appeals for the Third Circuit reversed class certification in Pennsylvania, ruling that proving whether Progressive underpaid each class member is an individual issue incapable of proof on a class-wide basis.
This ruling creates a split between jurisdictions—New York allowed the class action to proceed while Pennsylvania did not, even though both cases involved identical allegations about the same valuation methodology.
Michigan Settlement Finalized
The court granted final approval of the Michigan settlement on November 21, 2024, with the settlement administrator now reviewing claim forms for validity.
What These Settlements Mean for Progressive Policyholders
State-by-State Outcomes Matter
The varying outcomes demonstrate that insurance class actions depend heavily on:
- State insurance regulations
- State consumer protection statutes
- Individual state court interpretations of class action requirements
- Specific policy language used in each state
Individual Claims Still Possible
Even in states where class actions were decertified or not filed, individual policyholders may still pursue claims if they believe they were underpaid.
Requirements for Individual Claims:
- Proof of policy coverage with Progressive
- Documentation of total loss claim and payment received
- Expert testimony on proper valuation methodology
- Evidence of underpayment compared to actual cash value
Broader Industry Implications
Similar lawsuits have been filed against other insurers using Mitchell International’s valuation software with Projected Sold Adjustments, suggesting industry-wide scrutiny of total loss valuation practices.
Understanding Settlement Administration and Payments
Payment Timeline
General Timeline After Final Approval:
- Court grants final approval
- Appeals period expires (typically 30-60 days)
- Settlement administrator processes claims
- Checks or electronic payments distributed
- Unclaimed funds may go to cy pres recipient or reversion
Why Payments Take Time
Settlement payments are delayed by:
- Appeals period allowing objectors to challenge approval
- Claims validation process to prevent fraud
- Calculation of pro rata shares based on valid claims
- Payment processing and mailing logistics
What to Do If You Don’t Receive Payment
If you believe you’re entitled to payment but don’t receive it:
- Verify eligibility: Confirm you meet all class definition requirements
- Check claim submission: Ensure claim form was submitted by deadline
- Update address: Contact settlement administrator with current address
- Review settlement website: Check for updates on payment status
- Contact administrator: Use official settlement website contact information
Opting Out vs. Objecting
Opting Out (Exclusion)
What It Means: You are removed from the settlement class and receive no payment, but retain the right to sue Progressive independently
When to Consider: If you believe you can recover more through an individual lawsuit or if you fundamentally disagree with the settlement
How to Do It: Submit written request for exclusion to settlement administrator by deadline specified in settlement notice
Effect: You are not bound by the settlement release and can pursue separate legal action
Objecting
What It Means: You remain in the settlement class but voice disagreement with settlement terms to the court
When to Consider: If you believe the settlement amount is too low, attorneys’ fees are too high, or settlement terms are unfair
How to Do It: Submit written objection to court and settlement administrator by deadline, including reasons for objection
Effect: You remain eligible for settlement payment, and court considers your objection when deciding whether to approve settlement
Doing Nothing
If you take no action and are a class member, you automatically receive settlement benefits (if any claim form is required, you must submit it) and are bound by the settlement release, meaning you cannot sue Progressive for the claims covered by the settlement.
Insurance Industry Context: Why These Lawsuits Matter
Valuation Software Under Scrutiny
The multiple lawsuits challenging Mitchell International’s valuation software highlight growing concerns about automated claims processing and whether technology-driven valuations adequately protect policyholder interests.
Consumer Protection Enforcement
These settlements demonstrate state attorneys general and private class action attorneys are actively enforcing:
- Insurance policy provisions
- State insurance regulations
- Consumer protection statutes
- Data security requirements
- Debt collection regulations
Regulatory Compliance Costs
Progressive’s combined settlement costs exceeding $159 million signal to the insurance industry that compliance failures carry substantial financial consequences.
Frequently Asked Questions
Q: Which Progressive settlement am I eligible for?
Eligibility depends on your state, policy type, and when you filed claims. Florida debt collection (July 2, 2022-May 16, 2025 emails), Ohio data breach (affected customers), Georgia total loss (Oct 2015-Feb 2025), New York total loss (July 28, 2015-present), and Michigan total loss (July 2013-July 2024) have different eligibility requirements.
Q: Can I participate in multiple settlements?
Yes, if you meet eligibility criteria for multiple settlements. Each lawsuit covers different claims and time periods.
Q: Do I need a lawyer to file a claim?
No. Settlement claim forms can be submitted directly by class members without legal representation. Class counsel has already negotiated the settlement on behalf of all class members.
Q: What if I already settled individually with Progressive?
If you previously released Progressive from the specific claims covered by a settlement, you may not be eligible to participate. Review your individual settlement agreement or consult an attorney.
Q: Did Progressive admit wrongdoing?
No. Progressive has not admitted any wrongdoing but agreed to pay settlements to resolve the lawsuits. This is standard in settlement agreements.
Q: Will this affect my current Progressive policy?
No. Participating in a settlement does not affect your current insurance coverage or premiums. The settlement resolves past claims only.
Q: What happens to unclaimed settlement money?
Settlement agreements typically specify that unclaimed funds may be distributed to cy pres recipients (charities or organizations related to consumer protection) or revert to Progressive.
Q: Can I still sue Progressive individually?
Only if you opt out of the settlement by the exclusion deadline. If you remain in the settlement class, you release your right to sue for the claims covered by the settlement.
Critical Deadlines Summary
| Settlement | Claim Deadline | Final Hearing | Status |
| Florida Debt Collection | November 24, 2025 | December 8, 2025 | OPEN |
| Ohio Data Breach | February 18, 2025 | February 25, 2025 | OPEN |
| Georgia Total Loss | No claim form required | May 15, 2025 | Awaiting Approval |
| New York Total Loss | CLOSED | Approved March 7, 2025 | PAYMENTS PENDING |
| Michigan Total Loss | December 6, 2024 | Approved Nov 21, 2024 | PAYMENTS PENDING |
Getting Legal Help
If you have questions about your eligibility for Progressive settlements or believe you were underpaid on an insurance claim:
- For Active Settlements: Contact the settlement administrator directly using contact information on official settlement websites
- For Individual Claims: Consult an insurance attorney in your state to discuss filing an individual lawsuit
- For General Questions: Visit official settlement websites for detailed FAQs and eligibility information
Important: Only use official settlement websites and contact information. Beware of scams requesting payment or sensitive personal information beyond what’s needed to verify class membership.
Last Updated: December 2025. Information based on court documents, official settlement websites, and verified legal sources. Settlement terms and deadlines are subject to court approval and may change.
Disclaimer: This article provides general information about Progressive Insurance class action settlements. It does not constitute legal advice. Consult with a qualified attorney for guidance specific to your situation.
About the Author
Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
Read more about Sarah