Progressive Adjustments Undervalue Total Loss Vehicles, Class Action Says

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Progressive Projected Sold Adjustments Class Action Lawsuit Overview: 

• Who: Kiara Siebert filed a class action lawsuit against Progressive Select Insurance Co. 
• Why: Siebert claims Progressive uses bogus adjustments on valuation reports to undervalue the actual cash value of total loss vehicles
• Where: The class action lawsuit was filed in Maryland federal court 

Progressive undervalues the actual cash value of total loss vehicles by using valuation reports which apply deceptive adjustments, a new class action lawsuit alleges. 

Plaintiff Kiara Siebert claims Progressive’s evaluator, Mitchell International, applies bogus “projected sold adjustments” in order to lower the cash value of vehicles’ determined to be a total loss. 

“Through Mitchell’s valuation, Defendant systemically thumbs the scale when calculating the ACV of claimants’ loss vehicles,” the Progressive class action alleges. 

Siebert wants to represent a Maryland class of individuals who were insured by Progressive and received compensation for a total loss vehicle that had its actual cash value (ACV) determined by a Mitchell valuation report.

Siebert argues the “projected sold adjustments” applied by Mitchell are “deceptive and unexplained,” and “contrary to the used car industry’s market pricing and inventory management practices.” 

“Defendant has a duty to pay, and represent that they will pay, the ACV of a loss vehicle when adjusting total loss claims,” the Progressive class action lawsuit argues.

Progressive’s Projected Sold Adjustments ‘Not Based In Fact’

Further, Siebert claims the adjustments are “not based in fact” and are “contrary to appraisal standards and methodologies.” 

Siebert argues Progressive is intentionally “manipulating” data used to figure out the ACV of a vehicle determined to be a total loss, only explaining that it is done to “reflect consumer purchasing behavior.” 

“When valuing total loss claims for vehicles, it is improper for an automobile insurance company, such as Progressive, to undervalue and underpay the claims by manipulating the data used to determine the ACV of the vehicles,” the Progressive class action lawsuit says. 

Siebert claims Progressive is guilty of unjust enrichment, breach of contract, and breach of covenant of good faith and fair dealing. 

Plaintiff is demanding a jury trial and requesting declaratory relief along with actual, compensatory, statutory and punitive damages for herself and all class members. 

A similar class action lawsuit was filed against Progressive in October by policyholders claiming the insurer applies “baseless adjustments” to lower the actual cash value of total loss vehicles. 

Did you receive less compensation for your total loss vehicle than you expected? You may qualify to join a free total loss valuation lawsuit investigation.

Are you a Missouri resident who received a lower-than-expected total loss vehicle valuation by Liberty Mutual or Safeco? You may qualify to join a free total loss valuation lawsuit investigation.

The plaintiff is represented by Cary Joshi and James L. Kauffman of Bailey & Glasser LLP, Andrew J. Shamis of Shamis & Gentile PA and Scott Edelsberg of Edelsberg Law PA. 

The Progressive Projected Sold Class Action Lawsuit is Sibert v. Progressive Select Insurance Co., Case No. 1:22-cv-01179, in the U.S. District Court for the District of Maryland.

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