Progressive Insurance Class Action Settlements: Colorado Claim Open

One Progressive settlement remains open for eligible Colorado drivers, while earlier total-loss cases in Michigan and Arkansas have closed.

Yes, there is an active Progressive Insurance class action settlement you can claim from if you meet specific Colorado vehicle criteria. The agreement in Curran v. Progressive Direct Insurance Company makes approximately $15,240,887 available for qualifying total-loss claims, with an online claim filing deadline of February 5, 2027.

Progressive Insurance Class Action Settlements: What Is Open

The Colorado total-loss agreement is the single Progressive Insurance class action settlement accepting claims right now. Drivers qualify only if their total-loss payment used a Mitchell valuation with a projected sold adjustment applied to comparable vehicles. Other actions involving Progressive have already concluded or stopped accepting new submissions.

Earlier total-loss agreements covering Michigan and Arkansas drivers have closed. Anyone who did not hold a qualifying Colorado auto policy cannot collect from the active $15.24 million fund. If you hold a covered claim, submit your form before February 5, 2027 at the official Colorado settlement website.

Readers exploring active resolutions across different industries can also review our coverage of the AT&T data breach settlement or browse broader class action lawsuits.

The Colorado Total-Loss Settlement

The Colorado lawsuit is Curran, et al. v. Progressive Direct Insurance Company, et al., filed under case number 1:22-cv-00878-SKC-TPO in the U.S. District Court for the District of Colorado. Approximately $15,240,887 is available in total through this claims-made framework. Progressive funds approved claims after the court enters a final judgment.

A total loss means the insurer decided the vehicle costs more to repair than it is worth and pays actual cash value instead. In this litigation, plaintiffs challenged Mitchell valuation reports that applied a projected sold adjustment to comparable vehicle prices. The lawsuits asserted that these adjustments reduced final payouts to vehicle owners.

Class counsel may request no more than $4,572,199 in attorney fees and up to $200,000 in litigation costs. Those fee requests are caps rather than approved awards, and the court requires them to be paid separately from class member payments.

Who Is in the Class

The settlement class includes Colorado residents whose personal auto policy was issued by Progressive Direct Insurance Company or Progressive Preferred Insurance Company. The insured must have submitted a first-party property damage claim that Progressive declared a total loss. Additionally, the valuation must have relied on a Mitchell report that applied a projected sold adjustment to at least one comparable vehicle.

Policy dates determine group membership:

• Progressive Direct policyholders must have submitted their total-loss claim between April 12, 2019 and July 8, 2026.
• Progressive Preferred policyholders must have submitted their total-loss claim between December 19, 2021 and July 8, 2026.

The settlement excludes Progressive itself along with its officers, directors, and employees. Class counsel, the presiding judges, and their immediate family members cannot participate. Eligible drivers who wish to exclude themselves or object must mail their requests postmarked by November 5, 2026.

What Claimants Could Receive

Approved claimants receive 68% of the projected sold adjustment impact calculated for their claim. Under Progressive Direct policies, this equals approximately 1.87% of the vehicle actual cash value. Under Progressive Preferred policies, the payment equals approximately 1.53% of the vehicle actual cash value.

On a vehicle with an actual cash value of $20,000, those formulas yield roughly $374 for Progressive Direct and roughly $306 for Progressive Preferred. Claimants who experienced multiple covered total losses receive separate payments for each qualifying vehicle. Progressive funds approved claims into escrow within 30 days after the court judgment becomes final, and the administrator issues distribution checks within 60 days following escrow funding.

Settlement checks remain valid for 180 days after issuance. You can learn more about general distribution logistics by checking our guide on how to claim settlement money. For questions regarding financial reporting after a payout arrives, see our overview explaining whether legal settlements are taxable.

Other Progressive Settlements: Michigan, Arkansas, Texas

Several other state-specific Progressive actions are closed or unverified. In Michigan, trade press reported in November 2024 that Progressive Marathon and Progressive Michigan agreed to pay approximately $61 million over fees omitted from total-loss payments. The Michigan claim deadline was December 6, 2024, so that resolution is closed.

In Arkansas, settlement-tracking websites reported an agreement of approximately $13.21 million involving projected sold adjustments. Trackers reported that administrators issued payments to approved Arkansas claimants on April 26, 2026, meaning that matter is also closed. Readers with past uncashed checks from older matters can consult our guide on finding unclaimed settlement money.

Settlement trackers have also reported a separate Texas personal injury protection late-payment Progressive settlement with a final approval hearing date of December 17, 2026. Because we have not verified the underlying terms or claim conditions of that Texas matter, treat it as unverified and monitor tracker notices for developments. You can also explore our index of other resolved settlements.

How to File and Spot Fake Messages

Eligible policyholders must submit a claim form online by 11:59 p.m. Eastern Time on February 5, 2027, or mail a paper form postmarked by that date. All official filings and claim forms are hosted directly on the Colorado total-loss claim portal. We do not have the date for the final approval hearing because it is posted separately on the important dates page of the official site.

Legitimate settlement notices originate directly from the court-appointed administrator. Real settlement administrators never ask a fee to release money. Do not click links contained in unsolicited text messages claiming to hold an insurance settlement.

Always enter the verified settlement address directly into your web browser.

Next Steps

If you owned a vehicle declared a total loss in Colorado between 2019 and 2026, review your original Progressive valuation paperwork to confirm if Mitchell applied a projected sold adjustment. File your claim online before the February 5, 2027 deadline at the Colorado total-loss settlement portal to secure your progressive insurance class action settlement payment.

Frequently Asked Questions

Is there a Progressive class action settlement?

Yes. The Colorado total-loss settlement in Curran v. Progressive Direct Insurance Company is currently open and makes approximately $15.24 million available for eligible policyholders.

What is the Progressive claim deadline?

Claimants must file online by 11:59 p.m. Eastern Time on February 5, 2027, or mail a paper form postmarked by that date.

How much will I get from the Progressive total-loss settlement?

Approved claimants receive 68% of the projected sold adjustment impact, averaging roughly $374 for Progressive Direct and $306 for Progressive Preferred on a $20,000 actual cash value vehicle.

Does this apply outside Colorado?

No. The active Curran settlement applies strictly to Colorado residents who met specific total-loss conditions, while earlier actions in Michigan and Arkansas are closed.

How do I know a Progressive settlement message is real?

Legitimate notices come from a court-appointed administrator and never demand upfront fees, so verify all details directly at the official settlement website rather than trusting unsolicited text messages.