Brown vs Progressive Settlement: $43M Payout and Check Tracking

The Brown v. Progressive settlement is a $43 million class action resolution covering more than 151,000 Georgia policyholders who received total-loss vehicle payouts reduced by a deduction called the Projected Sold Adjustment.1ClassAction.org. $43 Million Progressive Settlement Resolves Georgia Total Loss Claim Lawsuit Payments went out in early September 2025, with an estimated average of about $173 per class member.2GA Total Loss Claim. Brown et al. v. Progressive Mountain Ins. Co. et al. Settlement

Who Was Covered

The settlement included two classes of Georgia residents insured by Progressive who received a first-party total-loss claim payment calculated using a Mitchell valuation report that applied a Projected Sold Adjustment to at least one comparable vehicle.3ClassAction.org. Order Granting Preliminary Approval of Class Action Settlement

  • Progressive Mountain policyholders with a qualifying claim between October 11, 2015 and February 18, 2025.
  • Progressive Premier policyholders with a qualifying claim between June 8, 2016 and February 18, 2025.

No claim form was required. Anyone who fit the class definition and did not opt out by April 30, 2025 was included automatically, and each person’s share was pro-rated based on the value of the totaled vehicle.4GA Total Loss Claim. Brown v. Progressive Settlement FAQ

When Payments Went Out and How to Track One

The settlement website lists a distribution date of September 4, 2025, with a related date of September 5, 2025.2GA Total Loss Claim. Brown et al. v. Progressive Mountain Ins. Co. et al. Settlement Checks were mailed to the address Progressive had on file for each policyholder. Class members who preferred electronic payment could arrange to receive their share by PayPal, Venmo, or direct deposit by contacting the settlement administrator, Epiq Class Action and Claims Solutions.4GA Total Loss Claim. Brown v. Progressive Settlement FAQ

Judge Timothy C. Batten of the U.S. District Court for the Northern District of Georgia granted preliminary approval on February 18, 2025,3ClassAction.org. Order Granting Preliminary Approval of Class Action Settlement and held a final fairness hearing on May 15, 2025.4GA Total Loss Claim. Brown v. Progressive Settlement FAQ After deductions for attorney fees, litigation expenses, and service awards to the named plaintiffs, roughly $28 million of the $43 million fund was set aside for direct distribution to class members.2GA Total Loss Claim. Brown et al. v. Progressive Mountain Ins. Co. et al. Settlement

What Progressive Was Accused Of

Keddrick Brown, a Progressive Mountain policyholder, filed the case on October 11, 2021 in the Northern District of Georgia (Case No. 3:21-cv-00175-TCB), and Michelle Bost, insured by Progressive Premier Insurance Company of Illinois, later joined as a named plaintiff.5GA Total Loss Claim. Brief in Support of Class Certification

Progressive’s policies promised to pay the “actual cash value” of a totaled vehicle. To calculate that number, Progressive used valuation software from Mitchell International, which pulled comparable vehicles from the market and adjusted for condition, mileage, and equipment. On top of those adjustments, Mitchell also applied the Projected Sold Adjustment, which reduced each comparable vehicle’s listed price by a percentage meant to reflect what a buyer might negotiate off the sticker at a dealership.6Top Class Actions. Progressive Schemed With Mitchell to Reduce Payouts for Total Loss Cars, Class Action Alleges

The plaintiffs called the PSA “illusory, unsupported, and wholly arbitrary,” arguing that many used-car dealerships do not negotiate on listed prices and that online pricing already reflects competitive market conditions.7ClassAction.org. Lawsuit Alleges Progressive Applies Unlawful Deductions to Total Loss Settlement Values in Georgia In Brown’s case, the PSA reduced the payout on his 2014 Dodge Charger by $830.50.8GA Total Loss Claim. Class Certification Order The complaint brought claims for breach of contract and breach of the covenant of good faith and fair dealing. Progressive settled without admitting wrongdoing.

Related Settlements in Other States

The Georgia settlement covers Georgia policyholders only. Progressive has resolved similar PSA cases elsewhere, and residents of other states may fall under a different deal rather than this one: