Progressive Total Loss Settlements: Where Each State Actually Stands
Four states settled for a combined $135 million over the same practice — and every claim deadline has now passed. Three more states have certified classes with no settlement yet, and Illinois was refused certification. Here is the state-by-state picture.
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Reviewed by Leonard Goldberg, Editor · Last updated
The Practice at the Centre of Every Case
All of these cases allege the same thing. When Progressive declares a vehicle a total loss, it pays actual cash value. To determine that value it used valuation software — Mitchell WorkCenter / Autosource — which applied a "Projected Sold Adjustment" to the comparable vehicles used in the calculation.
Plaintiffs argued that this adjustment had no statistically defensible basis and systematically pushed valuations downward, so policyholders were paid less than the policy promised. Progressive settled in four states without admitting wrongdoing, which is standard and does not by itself establish that the practice was improper.
Case Details
Georgia: Brown v. Progressive Mountain / Bost v. Progressive Premier, consolidated No. 3:21-cv-00175-TCB (N.D. Ga., Judge Batten). New York: Volino v. Progressive Casualty Ins. Co., No. 1:21-cv-06243 (S.D.N.Y.). Alabama: Reynolds v. Progressive Direct Ins. Co., No. 5:22-cv-00503-LCB (N.D. Ala.). Arkansas: Knight v. Progressive Northwestern Ins. Co.
Every Settled State Is Now Closed
New York — $48 million. Class period July 28, 2015 to August 20, 2024. Opt-out deadline was November 19, 2024. A third payment wave went out on May 1, 2026.
Alabama — $30.75 million. Class period April 20, 2016 to May 21, 2025. Claim deadline was October 15, 2025.
Arkansas — $13.21 million. Class period August 4, 2017 to May 19, 2025. Claim deadline was October 25, 2025; payments issued April 26, 2026.
If you were in one of these classes and did nothing, Georgia and New York paid automatically. Alabama and Arkansas required a claim, and those windows are shut.
Where Something Might Still Happen
According to Progressive's own quarterly report to the SEC covering the period ended June 30, 2026, classes have been certified or preliminarily certified in Colorado, North Carolina and Ohio. Certification is not a settlement: there is no fund, no administrator, no deadline and no amount. It does mean those cases are advancing as class actions rather than individual suits, which is often what precedes a settlement — but it is not a promise of one.
Illinois went the other way. On April 15, 2026 a federal judge denied class certification against Progressive Universal Insurance Company, finding commonality and predominance were not satisfied because the named plaintiffs had chosen Progressive for reasons unrelated to the valuation method. That case continues as an individual claim.
Additional putative class actions are pending in further states according to the same SEC filing, which does not name them.
What These Actually Paid
These are not life-changing individual amounts, and that is typical of insurance underpayment class actions: the per-person shortfall is modest, the class is very large, and the aggregate is what makes the case worth bringing. If you are still inside a certified class in Colorado, North Carolina or Ohio, this is the order of magnitude to expect if a settlement eventually happens.
Timeline
- 1
November 19, 2024 — New York opt-out closes
The $48 million New York settlement moves toward distribution.
- 2
April 30, 2025 — Georgia objection deadline
The $43 million Georgia settlement is finalised. No claim form is needed; payments average about $173 and go out automatically.
- 3
June 2025 — Arkansas jury trial, then settlement
After a five-day trial the parties settle for $13.21 million rather than await a verdict.
- 4
October 2025 — Alabama and Arkansas claim deadlines
October 15 for Alabama, October 25 for Arkansas. These were the last Progressive total-loss windows requiring action from class members.
- 5
April 15, 2026 — Illinois certification denied
A federal judge declines to certify a class against Progressive Universal, and the case proceeds as an individual claim.
- 6
By June 30, 2026 — three states certified
Progressive's own SEC filing confirms certified or preliminarily certified classes in Colorado, North Carolina and Ohio. No settlement in any of them.
Three Things That Mislead People Here
Insurance class action coverage ages badly, and old articles keep surfacing as if they were current.
Any site offering a Progressive total loss claim form today
All four settled states are closed and the three certified states have no settlement to claim from. There is no live claim form for this practice anywhere right now.
Confusing certification with settlement
"Class certified in Ohio" means the case can proceed collectively. It does not mean money exists, and it carries no deadline you could miss.
Assuming your state settled because another one did
This litigation is state by state, with different class periods and outcomes — Georgia paid automatically, Alabama required a claim, Illinois was refused certification entirely.
Frequently Asked Questions
Can I still claim from a Progressive total loss settlement?
No. Georgia, New York, Alabama and Arkansas have all closed. Georgia and New York paid automatically without a claim form; Alabama's deadline was October 15, 2025 and Arkansas's was October 25, 2025.
I was in the Georgia or New York class and never got anything.
Both paid automatically rather than by claim, so payment went to the address on file. If you moved, the administrator may hold an undeliverable payment — contact the administrator for your state's settlement rather than a third-party site.
What is a Projected Sold Adjustment?
A downward adjustment the valuation software applied to comparable vehicles when computing actual cash value, on the theory that listed prices are negotiated down before sale. Plaintiffs argued it lacked statistical support and systematically reduced payouts.
My car was totalled in Colorado, North Carolina or Ohio.
Those classes are certified or preliminarily certified, which means the case is proceeding collectively — but there is no settlement, no fund and no deadline. If a settlement is reached, class members are notified; there is nothing to file in the meantime.
Does this mean Progressive did something illegal?
The settlements were made without admissions of wrongdoing, which is standard. Illinois declined to certify a class at all. What can be said factually is that Progressive resolved claims about this valuation practice in four states for a combined $135 million.
Do other insurers do the same thing?
Similar actual-cash-value litigation has been brought against other carriers, including State Farm and GEICO, over comparable valuation adjustments and unpaid fees. The specific software and adjustment names differ from case to case.
How would I know if a new settlement opens?
Class members of a certified class are notified directly by the court-appointed administrator using the insurer's own records — you do not need to register anywhere in advance, and any site asking you to sign up now to "reserve" a claim is not part of that process.
Separate from this case: were you injured in the last 2 years?
Class-action payouts are fixed amounts through an administrator. A personal injury claim is a different case — and often worth far more. Free estimate, no obligation.