Idaho Progressive Insurance Lawyer
Car Accident Attorney Helping Clients with Progressive Insurance Claims in Idaho
Getting hurt in a car accident in Idaho can be devastating. You may realize immediately that you need significant medical attention and that you could be facing a long and arduous rehabilitation process during which time you will be unable to work and to earn a living. Even if the car accident in which you suffered harm resulted in more minor injuries, the entire experience can be a difficult and frustrating one. Where will you get the money to pay for your medical bills? What will you do about lost wages for time spent in the hospital or at home recovering from your injuries? In large part, these questions are just some of the reasons that drivers in Idaho are required to have auto insurance. In the event of a serious and debilitating accident, you should be able to rely on an insurance payout to cover your losses.
However, car accidents and insurance claims do not always work this way. Whether you are a longtime Progressive Insurance customer or if you are attempting to file a claim through Progressive because it is the other driver’s insurer, you will need help from an experienced Idaho Progressive Insurance lawyer. Negotiating with insurance companies is a complex process, and we want to ensure that you get the compensation you deserve. An advocate at Hansen Injury Law can get to work on your case today.
Getting the Facts About Idaho Car Accidents that Lead to Progressive Claims
Auto accidents happen more often than they should in Idaho. Whether you are driving in on urban or suburban roads in or around Boise, or if you are driving on open roads in rural Idaho, a serious motor vehicle crash can occur when another driver is negligent. Driver negligence takes many forms, including distracted driving, aggressive driving, drunk driving, and even drowsy driving. The following facts and figures from the Idaho Department of Transportation help to provide some context for car crashes in the state that can lead to Progressive claims:
- Motor vehicle crashes rose by nearly 9 percent in Idaho between 2014 and 2015;
- More than 24,000 car accidents occurred in Idaho in 2015;
- 216 car accident fatalities happened in 2015, which represented a rise in deadly crashes by more than 16 percent;
- About 64 percent of all Idaho auto accidents happen on urban roads;
- 78 percent of all fatal collisions occur on rural roadways;
- Impaired driving is a major cause of motor vehicle crashes, playing a role in more than 20 percent of all accidents and about 40 percent of all fatal collisions;
- In crashes caused by drunk driving, 77 percent of the victims either were the impaired driver or a passenger in the impaired driver’s car;
- Aggressive driving contributes to more than 50 percent of all collisions in Idaho and to nearly 80 fatal crashes in 2015; and
- Young drivers between the ages of 15 and 19 are disproportionately involved in motor vehicle collisions in Idaho at the rate of 2.6 times more than drivers of other ages.
To be clear, motor vehicle crashes happen with some frequency in Idaho, and it is important for injury victims to hold the responsible driver accountable. The first step typically involves seeking compensation from the insurance company.
What Should I Tell the Insurance Company?
If Progressive is your auto insurer, you will need to contact your insurance company after the accident in order to report it and to provide some basic information. However, when you make this call, it is important to recognize that the insurance company is never on your side. Whether you are a new Progressive customer or have been paying Progressive premiums for years, a progressive insurance adjuster is not in a position to advocate for your right to compensation. To be sure, Progressive, like other auto insurance companies, will be concerned about its bottom line. It will want to avoid paying out a claim if it is able to do so for its own business purposes.
As such, you do not want to provide the insurance company with any reason to deny your claim. While you will need to answer certain fact-based questions, you should not offer your opinion to the insurance company about anything that happened. Instead, you want to avoid offering any type of subjective information until you have spoken with an experienced Idaho car accident lawyer.
Insurance Requirements in Idaho
Under Idaho Code § 49-1229, all drivers are required to have auto insurance in at least the following amounts:
- $25,000 bodily injury for a single person in a single accident;
- $50,000 total bodily injury to two or more people in a single accident; and
- $15,000 property damage.
If you have never been involved in a car accident, these amounts might seem sufficient. However, medical bills often cost tens of thousands of dollars—and sometimes hundreds of thousands of dollars—after a motor vehicle crash. And for a severely damaged or totaled automobile, $15,000 simply will not be sufficient to cover losses. In such cases, the plaintiff may be able to file a lawsuit against the negligent party to recover additional damages even after receiving a Progressive payout. But many Idaho drivers do pay higher premiums in order to have additional coverage. As such, an insurance settlement may be enough to cover your losses.
Should I File My Insurance Claim through My Own Insurer or through the Other Driver’s Insurance Company?
Since Idaho is a “no fault” state, a car accident victim can file either with her own insurance (a first-party claim) or through the negligent driver’s insurance company (a third-party claim), regardless of whether Progressive is the injury victim’s insurance company or the negligent driver’s insurance company.
There are pros and cons to each type of claim, and you should not make a decision about how to file your claim until you consult with an experienced Progressive insurance attorney in Idaho about your case.
Contact an Idaho Progressive Insurance Lawyer
Do you need assistance with the Progressive claims process? An experienced Progressive Insurance lawyer in Idaho can help. Contact Hansen Injury Law today.