What Can I Expect for My Settlement? (Progressive)
Hello everyone,
I was involved in an accident last month where a distracted driver forced me off the road while I was riding my moped. My scooter was totaled after it was thrown into oncoming traffic, and I ended up getting seriously tossed down the street. The driver was working for Uber (possibly Uber Eats) at the time, and they have Progressive insurance. I suffered moderate injuries, including road rash, bruises, cuts, and limited mobility for a couple of weeks. Additionally, I incurred around $500 in property damage besides the loss of my scooter. Since the other driver admitted fault and it’s categorized as a commercial claim, what kind of settlement should I expect from them?
I’m not an insurance expert, but I can provide some general insights into what you might expect from a settlement in a situation like yours.
Medical Expenses: Given your injuries, Progressive will likely consider your medical bills, including anything related to your road rash and other injuries. If you had any doctor visits or treatments, be sure to keep track of those expenses.
Property Damage: Since your scooter was totaled, you could expect a payout for the fair market value of the scooter before the accident, in addition to any other property damage.
Pain and Suffering: Insurers often calculate a multiplier for pain and suffering based on your medical expenses. This can vary, but a common range is 1.5 to 3 times your medical bills, depending on the severity of your injuries and how they impacted your life.
Lost Wages: If you had to miss work due to your injuries, you might be able to claim lost wages as part of your settlement.
Settlement Offers: Ultimately, the settlement offer can vary widely. For your scenario, considering your injuries and property damage, you might see a settlement in the range of a few thousand to potentially $10,000 or more, depending on the total expenses, pain and suffering, and how Progressive evaluates the claim.
It’s always a good idea to keep thorough documentation of all expenses and consider consulting with a personal injury attorney to help navigate the process and ensure you receive a fair settlement.