Progressive Colorado Total-Loss Valuation Settlement

This settlement resolves claims that Progressive underpaid Colorado policyholders on totaled vehicles because the Mitchell valuation software it used applied a downward “projected sold adjustment” to comparable vehicles, leaving payouts below the actual cash value the policy promised. Progressive denies the allegations and settled without admitting liability. Three limits decide whether this page is worth your time, and all three are narrower than the headline. First, the covered loss window already closed. Both classes close on the preliminary approval date, which the official settlement FAQ gives as July 8, 2026. Claims stay open to file until February 2027, but a vehicle totaled after July 8, 2026 is not in this settlement — and that is the case for anyone whose loss happened in the last three months. Second, only two Progressive entities count. The policy must have been issued by Progressive Direct or Progressive Preferred to a Colorado resident. Progressive writes Colorado business through other companies too, and those policies are outside both class definitions. The issuing company is on your declarations page, not on the app. The start dates also differ: April 12, 2019 for Direct but only December 19, 2021 for Preferred. Third, the $15.2 million is two capped pools, not one fund. The Settlement Agreement separately estimates $12,514,840 for the Direct class and $2,726,047 for the Preferred class, and the settlement is claims-made — Progressive funds only approved claims. Payment is 68% of a fixed percentage of your own vehicle’s recorded value: about 1.87% of ACV for Direct, about 1.53% for Preferred. On a $20,000 vehicle that is roughly $374 or $306. One thing genuinely cuts the right way: attorneys’ fees are paid by Progressive separately and do not reduce class payments. Practically, you need the Claimant ID and PIN from a mailed or emailed notice to file online, because Progressive’s own data decides the Mitchell valuation question. Claims close February 5, 2027 — but the deadline to opt out or object is November 5, 2026, far sooner, and the settlement has only preliminary approval so far.

Do I Qualify?

You may be eligible if:

• Your auto policy was issued by PROGRESSIVE DIRECT INSURANCE COMPANY or PROGRESSIVE PREFERRED INSURANCE COMPANY. These two entities are the whole class. A Colorado auto policy written by any other Progressive company is not covered, however the brand looked on your bill — check the issuing company on your declarations page
• The policy was issued to a COLORADO RESIDENT. There is no nationwide class here and no path in for a driver insured in another state
• It was a FIRST-PARTY claim for property damage to your own vehicle, and PROGRESSIVE DECLARED THE VEHICLE A TOTAL LOSS
• Progressive based its payment on an INSTANT REPORT FROM MITCHELL in which a PROJECTED SOLD ADJUSTMENT was applied to at least one comparable vehicle. Almost nobody can confirm this from memory — it sits in the total-loss valuation report, and Progressive's records settle it. This is exactly why qualifying class members are being mailed a Claimant ID
• The claim was submitted ON OR BEFORE JULY 8, 2026. Both classes close on the preliminary approval date, which the official settlement FAQ gives as July 8, 2026. THIS IS THE EXCLUSION THAT WILL CATCH THE MOST PEOPLE: claims are open to file until February 2027, but a vehicle totaled after July 8, 2026 is not in the settlement
• AND the claim was submitted on or after APRIL 12, 2019 if your policy was Progressive Direct, or on or after DECEMBER 19, 2021 if it was Progressive Preferred. The two start dates are two and a half years apart because a later-filed case against Progressive Preferred was folded in
• You do NOT need receipts, repair records or vehicle documents. Nothing has to be photocopied
• BUT you do effectively need the CLAIMANT ID AND UNIQUE PIN from your postcard or email notice to file online. Without them you must request a blank form and mail it, and the name, address and claim or policy number on it must MATCH PROGRESSIVE'S RECORDS
• WHO DOES NOT QUALIFY — read this first: anyone whose total-loss claim was submitted after July 8, 2026; anyone insured outside Colorado; anyone whose policy came from a Progressive entity other than Progressive Direct or Progressive Preferred; Progressive Preferred policyholders with a total loss before December 19, 2021; and anyone whose total-loss payment was not based on a Mitchell Instant Report carrying a projected sold adjustment
• ALSO NOT COVERED: injury-side claims. This settlement is about what Progressive paid for the vehicle. The release expressly carves out claims for personal injury, medical payments, uninsured motorist and underinsured motorist coverage — those are not released and are not compensated here
• EXCLUDED BY THE AGREEMENT: Progressive Direct and Progressive Preferred themselves; all present or former officers, directors, employees or legal representatives; Class Counsel; the Honorable Judges S. Kato Crews and Nina Y. Wang and their immediate families; and any policyholder who timely opts out

No receipts — but this is not a document-free claim, and the distinction matters. Nothing has to be photocopied: the Settlement Agreement asks for no repair records, no vehicle documents and no purchase paperwork. What it does require is credentials from your notice. Filing online needs a Claimant ID and a PIN. Per the official settlement FAQ, the electronic claim form asks for a Claimant ID or the total-loss claim number, plus a unique PIN. Both appear on the postcard notice mailed to class members and in the email notice. The Settlement Agreement requires the website’s home page to carry a Make A Claim button that returns a claim form already pre-filled from Progressive’s records, with an electronic signature step. The postcard is the easiest route. It arrives with a detachable claim form already completed with your name, the date of loss and your unique Claimant ID, return-addressed with prepaid postage. Sign it and mail it back. Why this page is marked proof-required even though nothing is photocopied. A class member who never receives a notice is not shut out, but has more to supply. The Settlement Agreement directs the administrator to send a blank claim form on request when no Claimant ID is available. A blank form cannot be filed online — it must be mailed by the claim deadline, and it must carry your name, the name you used at the time of the loss if it was different, your current address, and the claim number or policy number from the total-loss claim. The agreement states that those details must match Progressive’s records for the claim to be eligible. Your paperwork is not the proof — Progressive’s data is. The Mitchell question is decided for you. The hardest part of the class definition — whether your payment rested on a Mitchell Instant Report with a projected sold adjustment applied to at least one comparable vehicle — is something almost no policyholder can verify unaided. Progressive’s records answer it, which is the practical reason the mailed Claimant ID functions as the gate. One chance to fix a defect. If a timely form is unsigned, illegible or missing the claim or policy number, the administrator sends a letter and allows 30 days from the date of that letter to cure. Paragraph 9 gives a single opportunity; after that the claim is not eligible for payment.

What Happened?

Michael Curran sued Progressive Direct Insurance Company in the U.S. District Court for the District of Colorado, alleging that the total-loss valuation software Progressive licensed from Mitchell International applied a downward adjustment called the projected sold adjustment to comparable vehicles, and that the adjustment left Colorado policyholders paid less than the actual cash value their auto policies promised. The case is Curran, et al. v. Progressive Direct Insurance Company, et al., No. 1:22-cv-00878-SKC-TPO.

A second, later-filed Colorado case was brought against Progressive Preferred Insurance Company and is folded into the same settlement. That is why there are two settlement classes with two different start dates — April 12, 2019 for Progressive Direct and December 19, 2021 for Progressive Preferred — rather than one class.

Progressive denies the allegations. The executed Settlement Agreement records that Progressive maintains it complied with the governing Colorado laws and regulations and with the terms of its policies, and that it entered the settlement without admitting liability, fault or wrongdoing of any kind, or that the case was suitable for class treatment. The company agreed to settle after roughly four years of litigation to avoid further cost and uncertainty.

The parties executed the Settlement Agreement and filed it with the court on July 1, 2026 as Document 216-1. The court granted PRELIMINARY approval and authorized notice to the class. Both class definitions close on the date the preliminary approval order was entered, and the official settlement FAQ gives that date as July 8, 2026 — which is why the covered loss window is already shut even though claims are open.

Verita Global, formerly KCC Class Action Services, is the court-approved settlement administrator, and the official settlement website is www.CoTotalLossClaim.com. Verita's own public settlement directory lists the case as Curran, et al. v. Progressive Direct Ins. Co., et al. with a claim deadline of 5 February 2027. The administrator is mailing postcard notices and sending email notices using contact data Progressive supplied, and the website carries Spanish translations of the mailed notice, the long-form notice and the claim form.

THE SETTLEMENT IS NOT FINAL. A final approval hearing has not yet been held, no final approval has been granted, and no payment date has been announced. Under the Settlement Agreement the claim deadline falls 30 days after that hearing, which places the hearing shortly before the February 5, 2027 cutoff; the scheduled date is posted on the important dates page of the official settlement website. Class counsel must file the final approval motion and the fee application before the November 5, 2026 objection deadline, and the administrator must post the fee application to the website when it is filed.

Progressive has settled comparable total-loss valuation cases in other states, including a $43 million Georgia settlement and the $48 million New York Volino settlement. Both are past their claim deadlines. Other insurers are resolving similar claims now, which is why the related settlements below are worth a look if this Colorado class does not fit you.

How to File Your Claim

1. CHECK THE THREE DISQUALIFIERS BEFORE ANYTHING ELSE. (a) Was the policy issued by Progressive Direct or Progressive Preferred specifically — not another Progressive entity? (b) Was it a Colorado policy and a first-party claim on your own vehicle? (c) Was the total-loss claim submitted on or before July 8, 2026, and on or after April 12, 2019 for Direct or December 19, 2021 for Preferred? If any answer is no, this settlement does not cover you
2. WATCH FOR THE POSTCARD OR EMAIL. The court approved a notice program and the administrator is mailing postcard notices and sending email notices to class members Progressive could identify from its own records. The notice carries a CLAIMANT ID, and that ID is what opens the pre-filled claim form. Progressive's data decides the Mitchell valuation question, which is why the notice is the practical gate
3. FILE ONLINE at the official settlement website, www.CoTotalLossClaim.com, which is administered by Verita Global (formerly KCC Class Action Services). Enter the Claimant ID — or the total-loss claim number — together with the unique PIN from your notice. That opens an electronic claim form already populated from Progressive's records, with an electronic signature step
4. OR MAIL THE POSTCARD BACK. The postcard notice has a detachable claim form already filled in with your name, the date of loss and your Claimant ID, return-addressed with prepaid postage. Sign it and mail it. For most class members this is the shortest route
5. NEVER GOT A NOTICE? You are not shut out, but the route is narrower. Use the same official website to ask the administrator to re-send your notice, or to send a BLANK claim form. A blank form cannot be filed online — it must be completed and MAILED by the claim deadline, and it must carry your name, the name you used at the time of the loss if it was different, your current address, and the claim number or policy number from the total-loss claim. The Settlement Agreement requires those details to MATCH PROGRESSIVE'S RECORDS for the claim to be eligible
6. ONE FORM COVERS EVERY TOTALED VEHICLE. The Settlement Agreement provides that a claim form from a class member with more than one qualifying claim counts as a claim form for each one. You do not file repeatedly — a separate payment is calculated per covered total loss
7. PICK HOW YOU WANT TO BE PAID. The form asks for an email address if you want a link to electronic payment options. Leave it blank and you are paid by physical check. This election has no effect on whether your claim is valid or on how much you receive
8. THE URGENT DATE IS NOVEMBER 5, 2026 — NOT THE CLAIM DEADLINE. If you want to keep the right to sue Progressive yourself over an underpaid total loss, a signed request for exclusion must be POSTMARKED by November 5, 2026. Objections are due the same day. Those deadlines fall months before the February 5, 2027 claim deadline and they cannot be cured late
9. FIX A DEFECTIVE FORM WITHIN 30 DAYS. If a timely claim form is unsigned, illegible or missing the claim or policy number, the administrator mails you a letter and you have thirty days from the date of that letter to cure it. Paragraph 9 of the Settlement Agreement gives you ONE opportunity — miss it and the claim is not eligible for payment
10. SUBMIT BY 11:59 P.M. EASTERN ON FEBRUARY 5, 2027 online, or mail with a postmark no later than that date. Colorado is on Mountain Time, so the online cutoff lands at 9:59 p.m. local
11. Visit the official claim form: https://www.cototallossclaim.com/

How Much Will I Actually Get?

THE $15,240,887 IS NOT A COMMON FUND, AND IT IS NOT ONE CAP. This is the single most misread number on the page. Paragraph 8 of the Settlement Agreement sets up TWO SEPARATELY ESTIMATED PER-CLASS POOLS: about $12,514,840 available to the Progressive Direct Class and about $2,726,047 available to the Progressive Preferred Class. The headline figure is just those two added together. Each cap governs only its own class — a Preferred claimant has no access to the much larger Direct pool. IT IS ALSO A CLAIMS-MADE SETTLEMENT, NOT A LUMP SUM. Progressive funds the claims that are approved and nothing more. Nobody is paid a share of $15.2 million; the figure is an estimate of what is AVAILABLE to be claimed if every class member filed. ONE PAYMENT PATH, NO ELECTION TO MAKE. There is no flat cash tier, no voucher and no stacked benefit here. Paragraph 8 provides that every class member who files a valid, timely and complete claim receives SIXTY-EIGHT PERCENT (68%) OF THE PSA IMPACT AMOUNT for his or her class, and Paragraph 8(d) states in terms that this is the ONLY payment class members are entitled to under the agreement. Nothing you tick on the form trades one benefit for another. THE FORMULA IS A FIXED PERCENTAGE OF YOUR OWN VEHICLE'S VALUE. The agreement does not recalculate the adjustment car by car. For the PROGRESSIVE DIRECT CLASS the PSA Impact Amount is 2.75% of the Actual Cash Value Progressive recorded for the totaled vehicle (the Valuation_ACVAmt field in Progressive's data). For the PROGRESSIVE PREFERRED CLASS it is 2.25%. Apply the 68% share and a Direct claimant recovers roughly 1.87% of the recorded ACV; a Preferred claimant roughly 1.53%. WHAT THAT MEANS IN DOLLARS. On a vehicle Progressive valued at $20,000, that is about $374 in the Direct class and about $306 in the Preferred class. On a $10,000 vehicle, roughly $187 and $153. These are illustrations computed from the agreement's own percentages, not figures quoted by the court or the administrator. NO PRO RATA HAIRCUT AND NO TOP-UP. Because each payment is computed from that claimant's own recorded vehicle value, a heavy claim rate does not shrink your payment — and a light claim rate does not enlarge it. The unclaimed remainder simply is never funded. CUMULATIVE ACROSS VEHICLES, NOT ACROSS CLASSES. A class member with more than one covered total loss is paid separately for each one, and a single claim form covers them all. But a given policy sits in the Direct class or the Preferred class, so the 2.75% and 2.25% rates are never combined for the same vehicle. ATTORNEYS' FEES DO NOT COME OUT OF YOUR PAYMENT — a genuine point in this settlement's favour. Paragraph 15 provides that fees, costs, service awards and the cost of notice and administration are paid by Progressive SEPARATELY FROM AND IN ADDITION TO the money available to class members, and that the amount owed to class members WILL NOT BE ADJUSTED OR REDUCED AT ALL as a result of them. Class Counsel may seek no more than $4,572,199 (30% of the total made available to the classes) plus no more than $200,000 in costs, and the class representatives may seek service awards capped at $10,000 and $5,000. Every one of those is a ceiling on what can be REQUESTED — the court has awarded none of it yet. NOTHING IS PAID YET AND NO DATE HAS BEEN ANNOUNCED. The court granted PRELIMINARY approval only. A final approval hearing has not been held. If the court grants final approval and the judgment becomes final, Progressive funds approved claims into escrow within 30 days and the administrator issues payment within 60 days after that. Checks are valid for 180 days; a reissue can be requested within 30 days of the void date, after which uncashed money returns to Progressive.

Last reviewed: October 8, 2026 | Information verified from court records and official settlement documents.

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