What Can I Expect for My Settlement? (Progressive)
Hello everyone,
Last month, I was involved in an accident where a distracted driver ran me off the road while I was on my moped. My scooter was thrown into oncoming traffic and was completely totaled, and I was thrown down the street. The driver was working for Uber (or Uber Eats) at the time and is insured by Progressive. I sustained moderate injuries including road rash, bruises, cuts, and some soreness that limited my mobility for a couple of weeks. Additionally, I incurred about $500 in property damage apart from the total loss of my scooter. Since this is categorized as a commercial claim and the other driver has admitted fault, how much do you think I can expect for my settlement?
I’m sorry to hear about your accident; that sounds really tough. When it comes to settlements, there are several factors that can influence the amount you might receive from Progressive:
Medical Expenses: Since you mentioned moderate injuries with associated medical costs, these will be a key factor. Be sure to keep track of any medical bills, treatments, and rehabilitation costs, as these can significantly impact your settlement.
Property Damage: You mentioned about $500 of property damage on top of your totaled scooter. The total value of the scooter and any other property damage will be considered, typically at or near the full replacement cost.
Pain and Suffering: This is often a significant part of personal injury claims. The discomfort, emotional distress, and any long-term impact on your quality of life (such as limited mobility) can increase your settlement potential.
Lost Wages: If your injuries caused you to miss work, this can also be included in your claim. Keep records of any time off and lost income.
Insurance Policy Limits: The driver’s insurance policy limits also play a big role. If they have a low liability limit, your settlement may be capped at that amount regardless of your damages.
Given that the other driver admitted fault and the complexity of your situation, many people in similar circumstances might see settlements ranging from a few thousand dollars to tens of thousands, depending on the extent of injuries and damages. However, it’s essential to discuss your specific circumstances with a personal injury attorney who can provide tailored advice and help negotiate with the insurance company.
Make sure to document everything related to your injuries and damages to strengthen your claim. Good luck, and I hope you recover quickly!