Progressive Colorado Total Loss Settlement, $15.24M, Claim by February 5, 2027

If Progressive declared your car a total loss in Colorado, you may be owed a cash payment from a class action settlement worth about $15,240,887. The lawsuit says Progressive shaved money off the valuation of totaled cars using an adjustment it shouldn’t have applied, so insureds got less than their vehicle’s actual cash value. The claim deadline is February 5, 2027, and the deadline to opt out or object is November 5, 2026.

The case is Curran, et al. v. Progressive Direct Ins. Co., et al., Case No. 1:22-cv-00878-SKC-TKO, in the U.S. District Court for the District of Colorado. Progressive has not admitted wrongdoing in the materials I reviewed, and the court has not approved the settlement yet.

Progressive Total Loss Settlement at a Glance

Detail	Information
Case name	Curran, et al. v. Progressive Direct Ins. Co., et al.
Case number	1:22-cv-00878-SKC-TKO
Court	U.S. District Court, District of Colorado
Defendants	Progressive Direct Insurance Company and Progressive Preferred Insurance Company
Total available to the classes	About $15,240,887
Your payment	68% of the “PSA Impact Amount” on your total loss claim
Claim deadline	February 5, 2027 (online by 11:59 p.m. ET; mail postmarked by that date)
Opt-out and objection deadline	November 5, 2026 (postmarked)
Fairness hearing	January 6, 2027, 10:00 a.m., Denver
Settlement administrator	Verita, 1-888-808-1463

What Progressive Is Accused of Doing to Total Loss Payments

When an insurer totals a car, it owes the vehicle’s actual cash value. Progressive calculated that value from valuation reports that compared your car with similar cars for sale. The plaintiffs say those reports applied a “Projected Sold Adjustment” (PSA) that lowered the prices of the comparison vehicles. That pushed the payout down, and the lawsuit says it breached Progressive’s policies and its duty of good faith and fair dealing.

Progressive’s payment on your claim came from that valuation. The settlement puts a dollar figure on the PSA’s effect and pays back most of it.

Who Counts as a Class Member

You must have made a first-party property damage claim on a personal auto policy issued to a Colorado resident. Progressive must have decided your vehicle was a total loss and based your payment on a Mitchell Instant Report where a Projected Sold Adjustment was applied to at least one comparison vehicle. There are two classes:

Class	Insurer	Claim submitted
Progressive Direct Class	Progressive Direct Insurance Company	April 12, 2019 through July 8, 2026
Progressive Preferred Class	Progressive Preferred Insurance Company	December 19, 2021 through July 8, 2026

Progressive identified class members from its own claims data. If you’re on that list, you should have received an email notice, a postcard, or both. Your Claimant ID and PIN are printed on them.

How Much You Could Get on a Totaled Car

The payment isn’t a flat amount. It ties to your car’s value, and the notice sets the math:

• Progressive Direct Class: the PSA Impact Amount is 2.75% of your vehicle’s actual cash value in Progressive’s records, and you get 68% of that.
• Progressive Preferred Class: the PSA Impact Amount is 2.25% of that value, and you get 68% of that.

Run through the numbers, that works out to roughly 1.87% of actual cash value for the Direct class and 1.53% for the Preferred class. These examples are my own arithmetic from the notice’s percentages, not figures published on the settlement site:

Vehicle’s actual cash value	Direct Class payment	Preferred Class payment
$15,000	about $280	about $230
$25,000	about $468	about $383
$35,000	about $655	about $536

Your real payment depends on the actual cash value Progressive recorded for your claim, which may differ from what you remember being paid.

Attorneys’ fees don’t come out of your share. Class Counsel says it will ask for no more than $4,572,199 in fees, up to $200,000 in costs, and service awards of $10,000 for Michael Curran and $5,000 for Andrew Rodriguez. Progressive pays all of those separately, and the court can award less.

How to File a Progressive Total Loss Claim

You have two routes:

1. Online. Go to cototallossclaim.com, choose File a Claim, and enter your Claimant ID or Total Loss Claim Number plus your PIN. Submit by 11:59 p.m. ET on February 5, 2027.
2. By mail. Sign the claim form that came with your postcard, tear it at the perforation, and mail it. It must be postmarked by February 5, 2027, and sent to Curran v. Progressive Settlement Administrator, P.O. Box 301132, Los Angeles, CA 90030-1132.

If you didn’t get a notice or lost it, call 1-888-808-1463 or visit the settlement site to request a claim form. If you move, tell the administrator your new address, or your check may not reach you.

Your Options and Their Deadlines

Option	Deadline	What happens
Submit a claim	Feb 5, 2027	You get a payment if the court approves the settlement, and you release the covered claims
Exclude yourself	Nov 5, 2026 (postmarked)	No payment, and you keep your right to sue Progressive separately
Object	Nov 5, 2026 (postmarked)	You tell the court why you disagree and stay bound by the outcome
Do nothing	None	No payment, and you still release the covered claims

Two rules trip people up. First, you can’t do both: if you object, you can’t opt out. Second, doing nothing costs you the money without giving your rights back, because you’re bound by the settlement unless you exclude yourself.

To opt out, mail a signed written request to the P.O. Box above, postmarked by November 5, 2026. Include the case name, your full name, current address, phone number, and a clear statement such as “I request exclusion from the Settlement Class.” You can only exclude yourself, not a group.

Objections need a Notice of Intent to Object with the case name and number, your contact details and signature, your reasons, any lawyer’s details, and whether you or your lawyer plan to appear at the hearing. If you want to speak, write “Intention to Appear” on the letter. The FAQ page lists the extra items required for that.

What You Give Up by Staying In

You release claims against Progressive that arise from the facts in the lawsuit, including claims about how it settled your total loss claim. The release does not cover personal injury, medical payments, uninsured motorist, or underinsured motorist claims. The full terms are in the Settlement Agreement on the settlement site.

Timeline

Date	Event
Nov 5, 2026	Opt-out and objection deadline
Jan 6, 2027, 10:00 a.m.	Fairness hearing, Courtroom A641, 901 19th Street, Denver
Feb 5, 2027	Claim deadline

The notice says no benefits will be paid unless the court approves the settlement, and it doesn’t give a payment date. The hearing date or time can change without notice, so check the site before relying on it.

Other Progressive and Total Loss Settlements

Colorado is one of several states where drivers have sued over total loss valuations. Our coverage of related cases:

• Progressive Class Action Lawsuit, Multiple Settlements
• Progressive Class Action Lawsuits, $159 Million In Settlements, Eligibility, Deadlines And How To File Claims
• State Farm $15.6M Settlement: Total Loss Underpayment Claims

FAQ

I live in Colorado now, but my car was totaled elsewhere. Am I covered?

 The class is defined by a policy issued to a Colorado resident. If you’re unsure, call 1-888-808-1463 with your claim details.

Does taking Progressive’s original payment stop me from claiming?

 Nothing on the settlement site says it does. The class is built around people who already received a payment based on the disputed valuation.

How will I know how much I’m getting?

 The formula uses the actual cash value in Progressive’s own records, so the administrator can tell you. Check your notice or call the administrator.

Do I have to attend the hearing? 

No. Class Counsel answers the judge’s questions. You can go at your own expense, or send a written objection instead.

Do the lawyers’ fees shrink my payment? 

According to the notice, no. Progressive pays fees, costs, and service awards separately from the money made available to class members.

Who are the class lawyers? 

The court preliminarily appointed Carney Bates & Pulliam PLLC; Shamis & Gentile, P.A.; Normand PLLC; Edelsberg Law, P.A.; Jacobson Phillips PLLC; and Bailey & Glasser LLP. Michael Curran represents the Direct Class and Andrew Rodriguez represents the Preferred Class.

Update Log

• September 24, 2026: Article published. Claim deadline of February 5, 2027 and opt-out and objection deadline of November 5, 2026 confirmed on the official settlement website and in the notice.

Sources

• Official settlement website: cototallossclaim.com (Home, FAQ, and Important Dates and Deadlines pages)
• Court-authorized settlement notice, Curran, et al. v. Progressive Direct Ins. Co., et al.

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official settlement website (cototallossclaim.com), including its home, FAQ, and Important Dates pages, and the court-authorized settlement notice, as of September 24, 2026. Last Updated: September 24, 2026.

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.