If you’re hurt in a car accident caused by an uninsured or underinsured driver, you expect your insurance company, such as Progressive, to cover your losses through your UM/UIM (Uninsured/Underinsured Motorist) policy. Unfortunately, many victims are shocked to find that Progressive denies or undervalues their claims, leaving them with unpaid medical bills and no compensation for pain, suffering, or lost income.
This situation is frustrating, but you are not without options. Here’s what you should do if Progressive is delaying, denying, or offering far less than your UM/UIM claim is worth.
Step 1: Start Documenting Immediately
The moment you suspect your UM/UIM claim might be mishandled, begin documenting everything. Keep detailed notes on every phone call, including the name of the representative, the time and date, and what was said. Also, save all letters, emails, claim forms, and text messages exchanged with Progressive. These records may serve as valuable evidence if legal intervention becomes necessary.
It is very important to keep proper records — these documents will make your case strong if the insurance company ever says that you did not communicate.
Step 2: Focus on Medical Treatment
Many claim denials stem from insufficient or inconsistent medical documentation. That’s why it’s vital to follow through with all medical appointments, treatments, and referrals. Even if you’re feeling a bit better, do not skip any therapy or diagnostic imaging ordered by your doctor.
Insurance companies claim that if there are gaps in treatment, then your injuries are not that serious. Comprehensive and continuous medical documentation paints a clear picture of the toll the accident has taken—and justifies your demand for fair compensation.
Step 3: Don’t Be Pressured Into Accepting a Low Settlement
Progressive—and other insurers—are known to offer fast, low settlements in hopes that accident victims will accept out of desperation. These offers may come with pressure to sign a release quickly, which can waive your rights to further compensation.
To avoid taking a quick settlement, first seek advice from an experienced UM/UIM Attorney who understands these tactics and can help you get fair compensation.
Step 4: Contact a Car Accident Lawyer in Houston
If Progressive denies or undervalues your UM/UIM claim, your next step should be calling a Car Accident Lawyer in Houston who specializes in insurance disputes. At Orange Law Firm, we have a strong record of holding insurers accountable, especially in UM/UIM cases. Attorney Karan Joshi and our team have extensive experience in evaluating policies, challenging unfair denials, and maximizing client compensation.
Real Case Example: Denial Turned Into a Victory
One of our recent clients was rear-ended by an uninsured motorist. The crash left them with neck and back injuries, yet Progressive took over six weeks to respond. When they did, they questioned whether the injuries were even caused by the accident and offered only $4,500.
This client came to Orange Law Firm, and Attorney Karan Joshi took immediate legal action. After gathering detailed medical records and negotiating aggressively, we secured over $45,000—ten times the original offer. This outcome was only possible with strong legal representation.
Why Choose Orange Law Firm?
We Know the Insurance Industry Inside and Out
We’ve handled hundreds of UM/UIM cases and understand exactly how Progressive operates. We anticipate their tactics and respond strategically.
We Fight for Full Compensation
Whether you’ve suffered from whiplash, spinal damage, or long-term disability, we work to recover every dollar you’re owed. That includes compensation for:
- Medical bills
- Lost wages
- Ongoing therapy or surgery
- Pain and emotional suffering
- Loss of enjoyment of life
- Future healthcare needs
We Don’t Get Paid Unless You Win
Orange Law Firm works on a contingency fee basis, so there are no upfront costs. You only pay if we recover money for you.
What Happens After You Call Us?
When you contact our office at 713-885-9787, here’s what you can expect:
- Free Case Review: We’ll evaluate your accident, your injuries, and your insurance coverage to determine how strong your case is.
- Policy Review and Claim Analysis: Our team will analyze your Progressive UM/UIM policy, uncovering all possible coverage avenues and identifying any unfair exclusions.
- Strategy and Legal Action: We’ll create a customized plan to force the insurance company to deal fairly whether that means negotiating behind the scenes or filing a lawsuit.
- You Focus on Recovery: While we handle all interactions with Progressive, you can focus on healing and getting your life back on track.
Don’t Let Progressive Undervalue Your Claim
You’ve paid your insurance premiums for moments like this. It’s unacceptable for Progressive—or any insurer—to deny you fair coverage just to protect their bottom line. If you’re being mistreated or ignored, it’s time to fight back with a law firm that puts your interests first.
Call Orange Law Firm at 713-885-9787 today to speak with an Experienced UM/UIM Attorney and Car Accident Lawyer in Houston. Your consultation is free, and we’re ready to stand up for your rights.
