$43M Georgia Progressive Total-Loss Settlement

$43M Georgia Progressive Car Insurance Total Loss Settlement

Published: April 29, 2025 · Updated: June 12, 2026

Status Paid Out · Awards Sent September 4, 2025 Final approval entered after the May 15, 2025 fairness hearing · no further claims accepted

Settlement Fund $43,000,000 ~$28,030,667 allocated to class members

Estimated Payout $173 (average) Pro rata share of the fund · individual amounts varied by claim file

Proof Required No No claim form · payments were automatic from Progressive's own claim records

Awards Have Been Paid Out

According to the official settlement website, awards in the $43 million Brown v. Progressive Georgia total-loss settlement were sent to class members on September 4, 2025, following final approval after the May 15, 2025 fairness hearing in Atlanta. Distribution was automatic — no claim form was required — using each class member's address and payment preference on file with Progressive (paper check by default, with PayPal, Venmo, or direct deposit available as electronic alternatives).

What the Settlement Resolved

The consolidated class action — Keddrick Brown et al. v. Progressive Mountain Insurance Co. and Michelle Bost et al. v. Progressive Premier Insurance Co. of Illinois, Consolidated Case No. 3:21-cv-00175-TCB — alleged that Progressive Mountain Insurance Company and Progressive Premier Insurance Company of Illinois systematically underpaid Georgia policyholders on first-party total-loss vehicle claims by applying a "Projected Sold Adjustment" to comparable vehicles when calculating actual cash value, in breach of the policies and the covenant of good faith and fair dealing. The court granted class certification on August 3, 2023 and preliminarily approved the $43 million settlement on February 18, 2025. New York drivers should look at the separate $48M Volino v. Progressive New York total-loss settlement, which is also paying NY class members automatically and recently sent its third payment round.

Who Was Eligible?

The settlement classes were defined by Progressive's own claim records. Eligible class members included:

• Georgia residents who made a first-party total-loss claim on a Progressive Mountain Insurance Company policy between October 11, 2015 and February 18, 2025.

• Georgia residents who made a first-party total-loss claim on a Progressive Premier Insurance Company of Illinois policy issued in Georgia between June 8, 2016 and February 18, 2025.

In each case, the claim had to be one in which Progressive applied a Projected Sold Adjustment to comparable vehicles when calculating actual cash value.

How Much Did Class Members Get?

Each eligible class member received a pro rata share of the $43,000,000 fund after court-approved fees and expenses (about $28,030,667 was allocated to class members). The average payment was estimated at roughly $173, though individual amounts varied based on each underlying total-loss claim file.

How Payments Were Sent

No claim form was required. Notices were mailed to all eligible class members on March 31, 2025 with each recipient's estimated award amount. After final approval, awards were sent on September 4, 2025 — either as a check mailed to the address Progressive had on file or as an electronic payment (PayPal, Venmo, or direct deposit) for class members who selected one on the official settlement website before distribution.

Haven't Received Your Payment? What to Check

• Confirm the address Progressive had on file at the time of your Georgia total-loss claim matches your current mailing address — checks were mailed to the on-file address, and any returned mail would have to be re-issued.

• If you selected an electronic payment, check the email account and PayPal/Venmo account tied to the payment preference you submitted on the settlement website, including spam and promotions folders.

• Visit the official settlement website — the administrator's contact page is the only place that can look up an individual award.

Scam warning: anyone calling, texting, or emailing offering to "release" or "expedite" your Brown v. Progressive settlement payment for a fee is not affiliated with the administrator. Real settlement administrators never ask for a fee, gift card, wire transfer, or Social Security number to send money that is already owed to you.

Key Dates

• Class period (Progressive Mountain): October 11, 2015 – February 18, 2025

• Class period (Progressive Premier): June 8, 2016 – February 18, 2025

• Class certification granted: August 3, 2023

• Preliminary approval: February 18, 2025

• Notice mailed to class members: March 31, 2025

• Exclusion / objection deadline: April 30, 2025

• Final fairness hearing: May 15, 2025 at 11:30 a.m. (Atlanta, Georgia)

• Awards sent to class members: September 4, 2025

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Looking for an Open Settlement Instead?

Brown v. Progressive is closed. For class actions that are still accepting claims right now, browse the current open class action settlements. New York Progressive drivers should see the $48M Volino v. Progressive NY total-loss settlement, which is paying automatically with no claim form.

Frequently Asked Questions

Have payments in the Brown v. Progressive Georgia total-loss settlement gone out?
Yes. According to the official settlement website, awards were sent to class members on September 4, 2025 following final approval at the May 15, 2025 fairness hearing. No claim form was required — payments were automatic.

Who was eligible for a payment?
Georgia residents who made a first-party total-loss claim on a Progressive Mountain Insurance Company policy between October 11, 2015 and February 18, 2025, or on a Progressive Premier Insurance Company of Illinois policy issued in Georgia between June 8, 2016 and February 18, 2025, where Progressive applied a Projected Sold Adjustment to comparable vehicles when calculating actual cash value.

How much was the average payment?
Each eligible class member received a pro rata share of the $43,000,000 fund (approximately $28,030,667 was allocated to class members). The estimated average payment was about $173, though individual amounts varied based on each total-loss claim file.

Did class members have to file a claim form?
No. Distribution was automatic. Eligible class members received a check by mail or an electronic payment (PayPal, Venmo, or direct deposit) using the address and payment information Progressive had on file.

What if I am a New York Progressive policyholder?
Brown covers Georgia only. New York drivers are covered by the separate $48 million Volino v. Progressive Casualty Insurance Co. settlement, which is also paying automatically and sent its third payment round on May 1, 2026.

For more class actions keep scrolling below.

Status Paid Out · Awards Sent September 4, 2025

Settlement Amount $43,000,000

Class Allocation ~$28,030,667

Estimated Average Payout $173

Claim Deadline None — automatic payment

Exclusion/Objection Deadline April 30, 2025 (passed)

Final Approval Hearing May 15, 2025 · 11:30 a.m. · Atlanta, GA

Awards Sent September 4, 2025

Case Title Brown v. Progressive Mountain Ins. Co. / Bost v. Progressive Premier Ins. Co. of Illinois

Case Number Consolidated Case No. 3:21-cv-00175-TCB

Court U.S. District Court, Northern District of Georgia