Progressive Direct - Total Loss Payments (Colorado) Class Action Settlement

Current Status

Claims are open. The deadline to submit a claim form is 11:59 p.m. Eastern Time on February 5, 2027 online, or a postmark by that date for a mailed form. The deadline to exclude yourself from the settlement or to object to it is earlier — November 5, 2026. The court granted preliminary approval and the settlement administrator has begun sending notice to class members; a final approval hearing has not yet been held, so the settlement is not final and no payment date has been announced. Class members who qualify should watch for a postcard or email carrying a Claimant ID, which is what opens the pre-filled claim form.

Quick Check: Are You in the Progressive Colorado Settlement?

A person is likely in the settlement if all four of these are true:

• The insurer: the auto policy was issued by Progressive Direct or Progressive Preferred to a Colorado resident.
• The claim: it was a claim for damage to the policyholder’s own vehicle, and Progressive declared the vehicle a total loss.
• The date: the claim was submitted on or after April 12, 2019 for Progressive Direct, or December 19, 2021 for Progressive Preferred, through July 8, 2026, the cutoff stated in the official settlement FAQ.
• The valuation: Progressive’s payment was based on a Mitchell valuation report that applied a “projected sold adjustment” to at least one comparable vehicle.

The last point appears in the total-loss valuation report, and most people will not remember it. Progressive’s records decide it, which is why qualifying class members are being sent a postcard or email with a Claimant ID.

Where to file: the official claim site is CoTotalLossClaim.com. Entering the Claimant ID (or the total-loss claim number) and the unique PIN from the notice there opens a pre-filled claim form; the postcard’s detachable form can also be signed and mailed back with prepaid postage. Without a Claimant ID, the same site lets a class member request another notice or a blank paper claim form.

What Changed Recently?

Progressive Direct Insurance Company and Progressive Preferred Insurance Company signed a class action settlement agreement resolving the Colorado total-loss case, and the court has since preliminarily approved it and authorized notice to the class. The lawsuit alleged that the total-loss software Progressive licensed from Mitchell International applied a downward adjustment called the projected sold adjustment to comparable vehicles, and that the adjustment left policyholders paid less than the actual cash value their Colorado auto policies promised.

Progressive denies the allegations. The agreement states 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 to avoid the costs and uncertainties of continued litigation after four years of the case.

The settlement also folds in a second, later-filed Colorado case brought against Progressive Preferred, which is why there are two settlement classes with two different start dates rather than one.

Who Qualifies?

There are two settlement classes, split by which Progressive company issued the policy. Both cover people who made a first-party claim for property damage to a vehicle on a personal auto policy issued to a Colorado resident, where Progressive determined the vehicle was a total loss and based its payment on an Instant Report from Mitchell in which a projected sold adjustment was applied to at least one comparable vehicle.