Progressive has agreed to a class action settlement with Colorado drivers who say the insurer underpaid them when their cars were declared total losses. The settlement site says total payments available are approximately $15,240,887. Only people who file a claim get paid, and the deadline is February 5, 2027.
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The case is Curran v. Progressive Direct Insurance Co., No. 1:22-cv-00878-SKC-TKO, in the U.S. District Court for the District of Colorado. The court still has to hold a fairness hearing before the settlement becomes final, and the date for that is January 6, 2027.
The plaintiffs allege Progressive “systematically paid its insureds less than the actual cash value of their vehicles for total loss claims,” according to the settlement’s questions and answers page. The mechanism they point to is the valuation report Progressive used. It applied a Projected Sold Adjustment, or PSA, to at least one comparable vehicle, which lowered the value of the car being replaced.
Which Colorado policyholders are covered
There are two classes, one for each Progressive company. The Direct class covers people with a Progressive Direct personal auto policy issued to a Colorado resident whose first-party property damage claim was submitted between April 12, 2019 and July 8, 2026. The Preferred class covers Progressive Preferred policies, with claims submitted from December 19, 2021 to July 8, 2026.
In both, Progressive must have declared the vehicle a total loss and paid based on a Mitchell valuation report in which a PSA was applied to at least one comparable car. The release of claims leaves out personal injury, medical payments and uninsured or underinsured motorist claims, so those rights are untouched.
A driver with a postcard or email notice from the settlement administrator, Verita, has the Claimant ID and PIN needed to file online. Anyone who owned a car that Progressive totaled in Colorado during those windows and has not seen a notice can look for the Total Loss Claim Number on their old claim paperwork and check the settlement website before February 5.
Progressive’s claim form is due February 5, 2027, but exclusion and objection requests are due three months earlier, on November 5, and the fairness hearing falls on January 6. The Settlement & Refund Recovery System explains the four-date rule for reading a settlement notice and walks through filing step by step.
Line up the Progressive notice dates with the Recovery System’s filing walkthrough →
How the payment is figured
Each person who files a valid, timely claim form is eligible for 68 percent of what the settlement calls the PSA Impact Amount. Per Progressive’s records, that amount is 2.75 percent of the car’s actual cash value for the Direct class and 2.25 percent for the Preferred class.
That formula is small compared with the full value of a car. Applied to the percentages on the settlement site, 68 percent of 2.75 percent works out to about 1.87 percent of actual cash value for the Direct class, and 68 percent of 2.25 percent is about 1.53 percent for Preferred. OpenClassActions illustrates the result for a $20,000 vehicle: about $374 for a Direct policyholder and about $306 for Preferred. The settlement site does not state individual amounts, because each depends on the car’s value in Progressive’s records, so those figures are an estimate, not a promise.
The site does not say what happens to money that nobody claims, or whether the $15,240,887 is a cap. It also does not say when checks would go out after final approval.
Fees and the January 6 hearing
Lawyers for the class say they will ask the court for no more than $4,572,199, which the FAQ describes as 30 percent of the funds made available, along with up to $200,000 in costs. Service awards of $10,000 for plaintiff Curran and $5,000 for plaintiff Rodriguez are also on the table. The FAQ says these amounts are paid separately by Progressive and do not reduce class payments, and the court may award less.
The fairness hearing is set for 10 a.m. on January 6, 2027 in Courtroom A641 at 901 19th Street in Denver, and the court may change the date without notice. A person who objects must send a written notice by November 5 and cannot also opt out. A person who opts out by the same date gives up the payment but keeps the right to sue Progressive on their own.
Filing a Progressive total-loss claim before February 5
The free route is the settlement’s official website. Online claims go through the claim portal and need a Claimant ID or Total Loss Claim Number plus a unique PIN, both printed on the postcard or email notice. Online filers have until 11:59 p.m. Eastern on February 5, 2027.
The paper route is to mail the signed form, postmarked by February 5, to Curran v. Progressive Settlement Administrator, P.O. Box 301132, Los Angeles, CA 90030-1132. The administrator’s phone line, 1-888-808-1463, takes requests for a claim form. Anyone who moves should tell the administrator, or the payment may not arrive.
Before filing, find the notice, the old total-loss claim paperwork and any valuation report Progressive shared. Such a report shows what the car was valued at and which comparable vehicles were used. The earlier deadline is the one to guard: a decision to opt out or object cannot be made after November 5.
Progressive’s February 5 date among other open settlements
A claim form left unfiled by February 5 is a payment never received, and each open settlement runs on its own calendar. MoneyPilot lists open class-action settlements and shows which ones may match you, and it files claim forms for you and tracks deadlines and payout status. It is a paid subscription service.
Track the Progressive claim date and other open settlements with MoneyPilot →
This article was produced with AI assistance and reviewed by The Financial Wire’s editorial team.
Warren Cohen is a finance writer based in Phoenix, Arizona, covering personal finance topics including credit, banking, and beginner investing. He earned his degree in business administration from Arizona State University and began his career working in consumer finance, where he gained direct experience with lending and credit systems. He now writes for personal finance websites and fintech platforms, focusing on clear, practical content that helps readers make informed financial decisions.
