Progressive Insurance debt collection class action settlement (Florida residents)

Progressive Direct Insurance Co. agreed to a $500,000 class action lawsuit settlement to resolve claims it violated Florida law by sending late-night emails to collect debts.

The settlement benefits Florida residents who received a debt collection email from Progressive between 9 p.m. and 8 a.m. local time between July 2, 2022, and May 16, 2025.

According to the class action lawsuit, Progressive sent emails between 9 p.m. and 8 a.m. in violation of the Florida Consumer Collection Practices Act (FCCPA). The plaintiff in the case says she received emails from Progressive during these hours.

Progressive is an insurance company that offers car, motorcycle, boat, RV, home, renters, life and other types of insurance.

Progressive has not admitted any wrongdoing but agreed to a $500,000 class action settlement to resolve the FCCPA allegations.

Under the terms of the Progressive settlement, class members can receive a cash payment. Payments will be distributed on a pro rata basis, with each class member receiving a proportional share of the net settlement fund based on the number of valid claims filed. No payment estimates are available at this time.

The deadline for exclusion and objection is Nov. 7, 2025.

The final approval hearing for the Progressive settlement is scheduled for Dec. 8, 2025.

To receive settlement benefits, class members must submit a valid claim form by Nov. 24, 2025.

Who’s Eligible

Florida residents who, between July 2, 2022, and May 16, 2025, received a Florida debt collection email from Progressive between the hours of 9 p.m. and 8 a.m. local time to the individual’s residential address.

Potential Award

Pro rata cash payment

Proof of Purchase

N/A

Claim Form

NOTE: If you do not qualify for this settlement do NOT file a claim.

Remember: you are submitting your claim under penalty of perjury. You are also harming other eligible Class Members by submitting a fraudulent claim. If you’re unsure if you qualify, please read the FAQ section of the Settlement Administrator’s website to ensure you meet all standards (Top Class Actions is not a Settlement Administrator). If you don’t qualify for this settlement, check out our database of other open class action settlements you may be eligible for.

Claim Form Deadline

11/24/2025

Case Name

Frechou v. Progressive Direct Insurance Co., Case No. 24-000584-CA, in the Circuit Court of the 14th Judicial Circuit in and for Bay County, Florida

Final Hearing

12/08/2025

Settlement Website

ElectronicCommsSettlement.com

Claims Administrator

Frechou v. Progressive Direct Insurance Company
c/o Kroll Settlement Administration LLC
P.O. Box 225391
New York, NY 10150-5391
833-621-8303

Class Counsel

Christopher Gold
GOLD LAW P.A.

Mariya Weekes
MILBERG COLEMAN BRYSON PHILLIPS GROSSMAN PLLC

Defense Counsel

Zachary S. Foster
QUARLES & BRADY LLP