The US residents who insured their vehicle through Progressive can claim the cash payment from the Reynolds v. Progressive class action. The claim deadline is approaching fast, so if you wish to file the claim, check your eligibility, claim process, and other details here.
Progressive Class Action Lawsuit Settlement
The lawsuit was filed against the Progressive Specialty Insurance and Direct insurance companies, alleging that they have paid less to insureds on their vehicles’ total loss claims than the actual value of the vehicle. The plaintiffs say the defendant paid less in the total loss claims by applying the Projected Sold Adjustment.
The plaintiffs say it is improper for the defendant to apply PSA when calculating the actual cash value of the vehicle. The defendant disagreed with the allegations; however decided to settle the lawsuit for $30.75 million.
The settlement administrator of the Progressive Class action lawsuit has begun sending the settlement notice to the class members on 01 July 2025. The claim process is going on for settlement, and the deadline to file the claim is 15 October 2025.
The final approval hearing was scheduled on 15 September 2025, but the settlement administrator has yet to update the decision on the settlement website.
Who can claim the Progressive class action settlement?
If you are wondering whether you could claim the Progressive class action settlement or not, you can check the eligibility requirements for the class members below:
- You have made the first-party claim on the Progressive Direct Insurance Company personal automobile policy to an Alabama resident, and the claim was submitted between 20 April 2016 and 21 May 2025. The company identified the total loss and applied the PSA on the claim.
- You have made the first-party claim on a personal automobile policy of Progressive Specialty Insurance Company to an Alabama resident during the class period 20 April 2016 and 21 May 2025. The company has applied the PSA to the total loss claim of your vehicle.
How much payout can you receive in the Progressive settlement?
According to the settlement agreement, the total payments under the settlement will be around $30,750,000. The PSA impact amount is 4.31% of the actual cash value for the class members, and the total PSA impact amount available is $3.75 million.
The administrator will cover the attorney fees not more than 22.5% of the funds, $10,000 service award for the two plaintiffs, $90,000 for class counsel before compensating the class members who have filed the claim.
Based on the available PSA amount, the class members with a valid claim can expect the 100$ payment of the PSA impact amount, so, based on the available funds, the average payment can be $533.
How to make a Progressive class action settlement claim?
If you meet the Progressive Class action settlement class members’ conditions and wish to claim the compensation, you can file the claim form in the following ways:
- Online:
- Visit the Reynolds v. Progressive class action settlement website at https://altotallossclaim.com/
- Next, click the “Start Your Claim” option and read the instructions to file the claim online.
- Next, enter your Unique ID and PIN you received via the settlement notice and log in to the portal.
- Once you log in to the portal, you can access the claim form and enter the valid details.
- After you enter all the details in the claim form, review it and submit the claim form.
- Offline: You can also submit the claim form through offline ways by signing the claim form you received through the postcard notice, or downloading the claim form from the settlement website. Afterwards, you can mail the filled-out form and send it to the following postal address before 15 October 2025:
- Reynolds v. Progressive Directs Ins. Co.
- Settlement Administrator
- PO Box 6490
- Portland, OR 97228-6490
The Progressive class action settlement payout process will begin after the claim deadline is passed, if the court has approved the settlement. You can expect the payout to be processed in 90 to 180 days after the claim deadline, or wait for the payment distribution update on the settlement website.
For now, the eligible class members should hurry as the deadline for the claim form submission is just three weeks away, 15 October 2025, so remember to file your claim.